vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have informed all 3 credit bureau 's XXXX, XXXX, and Experian that my Chapter XXXX Bankruptcy has incorrect information such a the court is listed as Federal and US BKPT Ct GA XXXX. Also it has been brought to my attention that the clerk 's office does not report any information to the credit bureua 's.

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 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA IDTheft Department is Not Open on Weekends or at Night When Most Theft Occurrs. Reporting IDTheft Timely is NOT AVAILABLE. Criminals Do Not Sleep. USAA DOES NOT PROVIDE ACCESS FOR ADEQUATE PROTECTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: CITIBANK, N.A.
State: CT

Complaint narrative:
a single fraudulent transaction occurred on my Citibank Mastercard by the unauthorized use of the account information. No card was lost and all cards are in my possession. Citibank has placed a hold on my account and is restricted the use of the card. They wanted to issue a new card which I declined. They have said I must call and authorize each individual use of the card every time I want to use it. 
This is a violation of the Fair Credit Billing Act - Chapter 4, Section 161 ( d ) which states " a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error ''.

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 2020-06-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$400.00}, {$0.00}, {$3200.00}, {$530.00}, {$750.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.

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 2020-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
The bank won't connect with the app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: MS

Complaint narrative:
Message left on my phone regarding a debt owed by someone else. 
I have had this same number 15 years!!! 
Last call was XX/XX/2020 There are numerous complaints against this company for attempting to scam people out of money by making fraudulent debt claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$400.00}, {$0.00}, {$3200.00}, {$530.00}, {$750.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested in 2018 from XXXX XXXX attempting to collect an alleged debt owed to XXXX when they had repurchased the debt that XXXX XXXX provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. As well proof of original debt including but not limited to date of last payment made on account and details for the alleged debt. 
I never received any of the information requested. 
After disputing the information, The credit bureaus failed to confirm the date of alleged debt well exceeds 7 years and refuses to correct the inaccurate information and continues to treat the matter as a current debt every time the account is resold even though this is past 7 years and has been disputed by me.

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 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I previously had a store account with Macy 's. I had fallen behind on payments however in XXXX of XXXX, I paid off my entire bill for {$140.00} using the automatic bill pay function from my bank. This was the entire balanced that showed on the account at the time that the payment was made and this was the amount that was reflected on the e-bill sent to my credit union by Macy 's subsequently, and unbeknownst to me at the time Macys tacked on a late fee during the same month but after the bill had been paid. I tried clearing up the fee in the past because I had paid off the entire principal balance. I got the run around from everyone that I talked to. Recently, I looked into my credit and saw that Macy 's had tacked on a ton of subsequent charges after the initial late charge. Thus the principal balance owed went from {$0.00} after I paid the entire balance to around {$32.00} after Macy 's tacked on a late fee and it continued to climb from there. The Balance due now stands at around {$290.00} dollars. This entire amount is comprised of late fees and interest on top of the late fees. On or around XX/XX/XXXX I called Macy 's to try to settle the account. I was told that the account had been sent to an internal collections department. I asked the department if I could pay the principal balance from when the company tacked on the first late fee and interest charge. The collections department said no without any explanation as they were trying to force me to pay over {$250.00} in drummed up charges and late fees. I then asked if I could settle the account. I proposed to settle the account for around {$75.00} to {$100.00} which was more than reasonable considering I had originally paid off the full balance of the card. The representative said that the company wanted at least {$200.00} which was wholly unreasonable and unconscionable given the account was previously paid in full. I stressed that I really wanted to make good and pay the account but could not in good faith pay all that excess money. Since XXXX I have been trying to settle this account through various means and communicative channels. Macy 's has essentially made my life XXXX. The worse part is that I just graduated law school and I am preparing to be an attorney. This account is impacting my ability to be admitted to practice law because it makes me appear as if I am financially irresponsible. I am trying to find a reasonable solution and while it may seem dramatic, Macys is literally ruining my life and career prospects.

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 2020-06-29 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: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
RentDebt Automated Collections have been reporting this account as if it is an open account when it is closed in the hands of a Debt Buyer. They are reporting it as an installment account with a one-payment term and a Past Due Balance. They have reported to one of the Credit Bureaus a Maximum Delinquency date of XX/XX/XXXX but the reality is they obtained this account XX/XX/XXXX. The information RentDebt has reported for 4 years has caused financial setbacks due to this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education
State: MD

Complaint narrative:
Attending the University XXXX XXXX  from fall XXXX I took out four ( 4 ) FFELP Stafford subsidized and six ( 6 ) FFELP Stafford unsubsidized loans totaling {$66000.00} from the Utah State Board of Regents. After completing my XXXX. in XXXX, I began paying the debt back. To my amazement I'd learned that Utah sold my loans to my loan service provider-XXXX, More amazing was in XXXX my loans were consolidated and sold back to the Utah Board of Regents and my interest rate was adjusted 2 % higher. ALL DONE WITHOUT ANY NOTIFICATION OR MY CONSENT. For almost 16 years I've made payments on time every time despite a bout with XXXX, a very nasty divorce ( lasting almost 4 years leaving me penniless ). About two years ago I heard of the two Federal loan forgiveness programs ( XXXX  and public service ). For 20 years i've XXXX  in XXXX XXXX XXXX  and match the criteria forforgiveness perfectly. After my third attempt to apply to the program ( Utah lost my paperwork twice ) I was told that the loans were consolidated and were no longer under the federal umbrella. I was told 'tough ' you're a rich XXXX  from DC and I was going to have to pay them off. I learned about two weeks after the phone conversation that my loans were bought AGAIN .... BY THE SAME LOAN COMPANY! I feel this THIRD refinance had to do with my request for forgiveness and gave them to raise my interest another point. My last payment is due XX/XX/XXXX ( I'll be XXXX yrs old - did I mention I plan to retire next year? ) Since beginning payments in XXXX I've never been notified about anything or have I signed any kind of agreement. In XXXX the financial aid office did not provide counseling or provide updates or information other than I the paperwork i signed agreeing to the loans. i challenge them to provide documents. Thanks for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested in 2018 from XXXX XXXX attempting to collect an alleged debt owed to XXXX when they had repurchased the debt that XXXX XXXX provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. As well proof of original debt including but not limited to date of last payment made on account and details for the alleged debt. 
I never received any of the information requested. 
After disputing the information, The credit bureaus failed to confirm the date of alleged debt well exceeds 7 years and refuses to correct the inaccurate information and continues to treat the matter as a current debt every time the account is resold even though this is past 7 years and has been disputed by me.

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 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested in 2018 from XXXX XXXX attempting to collect an alleged debt owed to XXXX when they had repurchased the debt that XXXX XXXX provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. As well proof of original debt including but not limited to date of last payment made on account and details for the alleged debt. 
I never received any of the information requested. 
After disputing the information, The credit bureaus failed to confirm the date of alleged debt well exceeds 7 years and refuses to correct the inaccurate information and continues to treat the matter as a current debt every time the account is resold even though this is past 7 years and has been disputed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Amsher collection services collecting for : XXXX XXXX/XXXX-charging and now collecting for wrongful fees & charges. 
I called customer service inquiring about service. 
The Representative took it upon herself to mailed out equipment to my address. 
I NEVER CONNECTED. 
I RETURNED ALL BOXED EQUIPMENT BACK I NEVER ACCUMULATED ANY SERVICE FOR GOODS NOTHING

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
around XX/XX/2019 i had fees waived an because of the fees my credit limit went down from {$4400.00} to {$3000.00} an once the fees was waived my limit didnt go back to my original limit.i yall to them on XX/XX/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 2020-06-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: NC

Complaint narrative:
I was unlawfully charged XXXX By the Department of U.S Education. 

I contacted the department of U.S education on XX/XX/2020 via certified mail ( XXXX XXXX XXXX XXXX XXXX ) with a notarized affidavit attached. 

I have yet to hear a response Validation of the assumed debt owed its been 30 days. 

Title 31 U.S.C sec. 3123 Title 31 U.S.C sec 5103 Title 18 U.S.C sec 8

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was denied right away and I dont know why?

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 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear to whom it may concern, My name is XXXX XXXX, I have been trying to report about inaccurate accounts in my credit report but the credit bureau has always intended to avoid their responsibility and none of my request has been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this investigation withins 30 days. 
**Name Reported** _XXXX, XXXX , T this name is incorrect, My only correct name is XXXX XXXX. Please delete it!!! 
**Address Reported** _ XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX , OH XXXX These address are incorrect, I have attached proofs of my current address below.! 
**Employment info** PRIME This employee is not belong our business so please delete it!!! 
**Credit Card** _ XXXX XXXX XXXX XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX Opened Date XX/XX/XXXX The account balance show {$11000.00} when the amount past due is {$7700.00} **Collection** _ CHLD SUPP VA Opened Date XX/XX/XXXX How can there by $ 428 monthly payment in a charge off account. The balance is XXXX $ and past due amount is {$40000.00} in Transunion while the balance is XXXX $ and past due amount is XXXX in Equifax report. Delete it immediately!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
**Collection** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This charge off account is not mine please delete it as it is not belong to me, you have to provide me full documentation VIOLATION COUNT XXXX [ XXXX XXXX. XXXX ] ( a ) There are several items on my report that are not legally allowed on my report **Credit card** _XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account is not mine. I do not have any financial obligation with them. Please delete it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
I have been getting multiple calls from the bank with rude customer service with each call. I have gotten 6 calls in one day from this bank. I told them I was aware that the balance was due but I was out of work due to Covid-19. The woman I had spoken to was very disrespectful towards me with the last phone call. I also gave them specific times they can and can not call as I have just returned to work and I can not be on the phone while at work as my job involves personal care of others. Any time I would speak she would speak louder over me so I could not explain my situation. I asked if they would settle the payment they said I was not eligible for that and they would not wave any fees as they had done that for me 1 time in the past as I was out of work due to a serious medical condition. Every time they call me I get 3-4 calls a day from many different numbers and each time they are very rude. Even calling when there was a note put in by a supervisor not to call me at the certain times I had specified but they continued to call any ways.

Company response to consumer: Closed with explanation