vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I had credit card company called for payment gave the company the correct info for payment which was already on account company calls back a month later stating that they close my account for none payment had company info they stated that they put in the wrong info. I then asked that can I make the payment and be able to use my credit card they stayed no I will I have to have my credit ran again. Didnt want my credit ran again asked can I pay off the balance, they changed a XXXX dollar balance to a XXXX dollars balance which I feel was not my fault. Then the calls started I should only have to pay the XXXX dollars which is was less then what I owed on the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I used XXXX XXXX credit to make a purchase for furniture and the credit is serviced by Comenity Capital Bank of XXXX Ohio. The minimum payment requirement was XXXX dollars per month. But I have been paying XXXX dollars per month and the bank has been charging me excess interest. My last payment in XX/XX/XXXX showed a balance of about XXXX dollars then they sent me a balance for XX/XX/XXXX payment of XXXX dollars. Although I have been making payments almost 3 times the minimum amount. I don't understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX credit card is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX credit card is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
I made a payment via Moneygram on XX/XX/2019 at the XXXX XXXX, GA location inside of Walmart to go to XXXX XXXX XXXX XXXX for the total amount of XXXX. The amount that was supposed to be paid to XXXX XXXX XXXX XXXX was XXXX. The payment was returned by Moneygram and we don't understand why. The amount was debited from our Debit card and I will attach proof of that showing it. XXXX XXXX stated that it was returned. I decided that before I dispute the transaction that I would file a complaint. I am not pleased with this issue and I want it resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Sent multiple letters off stating that I was involved in identity theft. Even sent the police report and asked if the creditor would remove the false account but they never took action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Sent multiple letters off stating that I was involved in identity theft. Even sent the police report and asked if the creditor would remove the false account but they never took action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There are inaccuracies on my credit file that have been trying to resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
It takes multiple complaints against American Express to gradually, step by step, begin to resolve a long standing issue with the company. One of the reasons is that American Express is extremely secretive about its practices.

For over two years American Express was claiming that it was mailing some materials to me and they were returned to American Express as not deliverable. It took me a 6 hour chat with American Express representative earlier this year to trace down one source of the problem : American Express was not using United States Postal Service 's first class mail to send the materials to me, so even when it started to use my correct mailing address, the mall was not delivered to me. It appeared that American Express utilized some private package carrier and that private package carrier was not servicing my address. American Express should have realized the first time a parcel was returned back to it that the reason for return was that the mail carrier of American Express choice was not servicing my address. 

Prior to XX/XX/XXXX I mailed a letter to American Express that specified my full correct mailing address and the fact that the mail sent to that mailing address must be sent via United States Postal Service. Shortly after I sent my letter to American Express, I received my American Express credit card in the mailer a copy of which is attached. That mailer was the only correspondence related to my American Express credit card account ( other than the American Express responses to my CFPB complaints ) that I ever received from American Express by mail.

It appears that American Express has not corrected my mailing address on my account in XX/XX/XXXX after it had received my written instructions to do that and it continued to utilize services of a private mail carrier that was not servicing my address. 

As of today I have not received the {$50.00} refund of my credit balance I had on my American Express credit card account at the time I closed my account despite the fact that I requested again to correct my mailing address during a chat session I had with an American Express representative on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The following accounts listed on my Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX XXXX, {$5000.00}, XXXX XXXX, {$3400.00} and XXXX XXXX XXXX, {$500.00}. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX  XXXX XXXX XXXX, XX/XX/2019. I never missed an on-time payment with XXXX XXXX XXXX. The missed payment with XXXX XXXX XXXX  is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There are inaccuracies on my credit file that have been trying to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I setup a new account yesterday in order to freeze or unfreeze my credit reporting then logged off and attempted to log back in to check my ability to access the account. 
Unfortunately I could not log back in to the account and after three attempts was locked out. I waited 30 minutes and attempted again without success. ( Twice ) I then called the Equifax help line and after answering 8 security question about my history + SSN, DOB they said they could not grant me access to my account. I asked for the supervisor and she said they could not help me because I was using the wrong browser, i.e. XXXX XXXX XXXX and said I had to use XXXX. This company seems to be very backwards in technology and would ask you investigate their web site for cross-platform access by all the common browsers. 
Still don't have access to my account and am very frustrated with this company. I do have access to the other two credit reporting agencies without any problem but not Equifax.

Also there should be federal rule that we the consumer should have the choice which credit reporting agency we want to use. This regional selective option should not be but use of any of at least the three major ones should be selected by the consumer.

Will need to refer this to our congressman. This is not consumer friendly. For example, If someone has a dispute with the only credit reporting agency a loan company uses there can adverse problems with making a purchase during that period even though the other two agencies show good credit and are accessible. I think it was a cop-out that the supervisor said we needed to use a XXXX platform to access our account and ask you look into this. I will pursue breaking up the regional credit reporting agency limitations by financial loan institutions with my Congressman We the people should be able to choose which credit reporting agency should be used. 
Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There are inaccuracies on my credit file that have been trying to resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NC

Complaint narrative:
I HAVE MOVED FROM XXXX XXXX BACK TO XXXX  I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX   HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I HAVE MOVED FROM XXXX XXXX BACK TO XXXX  I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX   HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE MOVED FROM XXXX  XXXX XXXX TO XXXX  I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX   HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Innovis
State: NC

Complaint narrative:
I HAVE MOVED FROM XXXX XXXX BACK TO XXXX I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX  HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/20 I filed a fraud charge in my Capital One card. I have received my new card. Even though I have a {$500.00} limit and only {$450.00} against it, they will not allow me to use my card until the investigation is over which could be 90 days. I made a payment on my card on XX/XX/20 for {$50.00}. I should have access to this credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I HAVE MOVED FROM XXXX XXXX BACK TO XXXX I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: NC

Complaint narrative:
I HAVE MOVED FROM XXXX XXXX BACK TO XXXX I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I asked several times for lvnv Funding to verify my 2 debts. Lvnv Funding has continously sent me blank statements saying that it was verification. I asked if they would delete if paid. They said no. I recently removed dispute comments from all of my credit reports, to start the mortgage process ... ..I took a significant hit on my points. Less than 2 weeks later ... .LVNV funding has decided to ruin my life a little more and put the comments back. This is rediculous!!! Now to remove the comments again ... .I 'll have to take another hit on points. I want these 2 accounts they hold deleted!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have been following up with Equifax via internet and over the phone after my lender was unable to pull my report. I am also unable to pull my report, and they are asking me to verify various pieces, which I am able to provide most or all details related to some situations that are from 2002. Despite this they are wanting me to send in my social security card with my driver 's license before they will verify what the issue is ( address, matching name, etc ). I escalated, explaining this could potentially cause me to lose a home, current the only workable home, since this report is a required part of the process. My lender has my other two reports, XXXX and XXXX, and did not have any issues pulling them. I am not comfortable sending this documentation, especially since they will not tell me the reason why. Please advise how I can get a copy of my credit report to forward to my lender, so I can make an offer on this home. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Goal Structured Solutions, LLC
State: OH

Complaint narrative:
Launch services took over another student loan I had with no notice, phone call or email. I pulled my credit report and was completely appalled that I had so many late payments. I called and they told me if I got caught up, they would remove them immediately. I just went to apply for a car, and they are all still there. 

I have sent letters after letters trying to investigate and validate the late payments and I am not receiving any replies. I know they have 30 days and they are not complying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
TO WHOM IT MAY CONCERN : TRANSWORLD SYSTEMS AMOUNT : {$2200.00} DATE OPENED : XXXX XXXX I Recently received a copy of my credit report, and I noticed this collection that I did not authorize and of which I do not have knowledge. 
Please be advised that by law no collection can be placed on my credit without my authorization. I am requesting that these collection be removed immediately from my credit report. 
Please send an updated copy of my report after this inaccurate information has been removed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have been with Victoria Secret for years. There is a negative remark on my report from a time I went into the store to make my payment, as I was cashing out. The clerk said her computers were messing up, but assured me it went through. I believed her. I just went to apply for a vehicle last week, and it's still there. I have called and talked to many supervisors and they said they can't help me. Look at my history with them, NO LATE PAYMENTS. This was not my fault

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV funding never provided me a dunning letter. I tried several times to get them to provide proof of the debt with them and they have not been able to provide proper proof. I also recently had dispute comments removed from my credit report and LVNV funding has placed them back on there without my consent. I demand that this account be removed from my credit reports asap

Company response to consumer: Closed with explanation