vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
FEDLOAN is reporting my account inaccurately as if I am required to make payments and citing payments made in the past versus the statement that they should be making according to the law which is " Paying as Agreed '' I am deferred due to the fact that I am currently attending University and their error is negatively affecting my credit rating and job opportunities as I am close to graduation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: PA

Complaint narrative:
Constant repeated calls, inflated amount owed nearly doubled, offered settlement with no negotiation. Lost my job due to XXXX took 6 months to get unemployment check but they didnt want to hear that. Very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: IL

Complaint narrative:
Identity theft. I did not take out this loan.

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 2021-12-24 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: IL

Complaint narrative:
Identity theft. I did not take out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: IL

Complaint narrative:
Identity theft. I did not take out this loan.

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 2021-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX lied about amount of payment. They said they will change it after threats of taking the truck back but they had already sold my trade in. I was going to contact Attorney but then the wrote a new contract with the right monthly payment. Its been 2 months and Ally financial still does not have new contract. XXXX actually paid my last month payment but Ally broke their contract by not applying my first payment to the proper month. My first payment due date was XX/XX/21 I made payment XX/XX/21. After 5 attempts of reaching out verbally a emailed 2 times. Every associate from Ally has lied and said it will be taken care of in 2 days. I now have paid late fees and have to deal with this on my credit report. I feel they both are in Breach of contract Ally Financial and XXXX XXXX of XXXX Ks. Can anyone help?

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 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is reporting my account inaccurately as if I am required to make payments and citing payments made in the past versus the statement that they should be making according to the law which is " Paying as Agreed '' I am deferred due to the fact that I am currently attending University and their error is negatively affecting my credit rating and job opportunities as I am close to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My students loans that are listed under XXXX are reporting missed payments. Please remove ALL missed payment listed for every XXXX account that I have on my credit report. These late payments were due to billing error, and according to usc15 1666b these late payments must be remove.

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 2021-12-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Service Finance Holdings, LLC
State: CO

Complaint narrative:
This is a reply to XXXX. 

I am simply asking for a copy of the contract for the goods and services that SFC has alleged were provided. SFC is using my credit to extort money from me for goods and services that SFC admits to not even having a contract for. I believe that someone has either falsified information for SFC to have paid the contractor for goods and services that were never completed or approved by me or SFC made a gross mistake by funding the loan for goods and services that were never provided as agreed upon.

I have contacted my local contractors board and they want to see the contract that was supplied to SFC.

All I am asking is for a detailed bill of what SFC alleges that I owe them for. The contractor should have provided a project scope and a signed off letter of completion from the home owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I attend XXXX XXXX XXXX XXXX from 2011 and was unable to complete the program due to lack of resources. The school falsify certified my eligibility to benefit from its training and charged excessive loans. And in the following year, the school was closed due to fraud. I was aware this year that this loan could be discharge due to its lack of merit. I have already paid XXXX in loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was falsely mislead by CAPITAL ONE BANK d/b/a CAPITAL ONE. On XX/XX/2021, I filled out an application for a Platinum Secured Card from CAPITAL ONE. Once I filled out this application, it was approved and the application then became an instrument of value and was sold. Due to this fact, I should be able to have a zeroed out balance at the end of every billing cycle and should have an open-end credit plan pursuant to 15 USC 1602 . I was informed by CAPITAL ONE that I would need to make a security deposit in order to receive the card ( as advertised on their website ), so I made a deposit in the amount of {$200.00} on XX/XX/2021. I apologize about being ignorant of the law, but that is no longer the case. It is unlawful for CAPITAL ONE to have taken the {$200.00} in order to give me a credit card ; taking cash within a consumer credit transaction is illegal ( 15 USC 1605 ). Once I put in my application and it was approved, I extended my credit to CAPITAL ONE and should have received an open-end credit plan without having to make a security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Additional options to communicate. Written has been attempted as well. Only provided option by phone though that was earlier issue. Hearing impairment. Earlier attempts have failed. Identity theft report to Bank of America occurred when individual used phone to dial in automated system to change address, led to an overpayment several times and caused a refund that then they used to negate my account. Since I still owe and have failed to resolve. See attachments.

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 2021-12-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Multiple accounts in collections that are reported as open accounts showing balances. This is heavily decreasing my credit score and preventing me from being able to get car loans or credit cards. The amounts are more than the original credit card balances and bills and the accounts should be closed and have {$0.00} balance on my credit report. I have attached screenshots from my equifax, XXXX, and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX  which is the name of the doctors office I have been a patient at for several years is reporting a collection in the amount of {$270.00} that I know nothing about. I have not had a lapse in insurance coverage. I am currently working for The State of Florida since XX/XX/2014 with no lapse in insurance. Before that I worked for XXXX XXXX XXXX XXXX XXXX  now known as XXXX XXXX XXXX XXXX for 15 years with no lapse in coverage. 

I have filed a dispute on the XXXX XXXX website which they send the response to me that the collection is verified. I am a person who pays ALL my bills on time as my credit report shows. My insurance premiums are deducted from my payroll. I am currently a patient with XXXXXXXX XXXX XXXXXXXX. When I question them they have no idea what I am referring to. 

First Fed Credit Control is the agency listed on my credit report that is handling this for XXXXXXXX XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
Received bank account information and promo from multiple banks on our address for an unknown individual ( XXXX XXXX ) not associated with our address or anyone in our household or next of kin, friends etc..

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 2021-12-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Since XX/XX/XXXX, Experian has reported two fraudulent debts added to my credit report by XXXX XXXX XXXX. Despite disputing these debts, Experian has not provided adequate proof of this debt and refused to remove it from my credit report. The debts are as follows : XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1500.00} I have requested proof of this debt from Experian and XXXX XXXX XXXX and received no proof. In addition, XXXX XXXX XXXX continues to report this debt on my Experian credit report, using unethical tactics to negatively impact my credit score, tactics such as adding {$1.00} to these fraudulent debts, then removing {$1.00} and periodically flagging the accounts. Over the last 6 months, I have disputed this debt several time through Experian 's dispute process, the most recent results of this investigation being completed on XX/XX/XXXX. Again, these debts remain on my credit report and continue to damage my credit worthiness, despite Experian not providing me with verified documentation that this debt belongs to me, proof that corresponds with my name, date of birth and social security number.

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 non-monetary relief
Consumer complaint received 2021-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Multiple accounts in collections that are reported as open accounts showing balances. This is heavily decreasing my credit score and preventing me from being able to get car loans or credit cards. The amounts are more than the original credit card balances and bills and the accounts should be closed and have {$0.00} balance on my credit report. I have attached screenshots from my XXXX XXXX, and transunion reports.

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 non-monetary relief
Consumer complaint received 2021-12-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Multiple accounts in collections that are reported as open accounts showing balances. This is heavily decreasing my credit score and preventing me from being able to get car loans or credit cards. The amounts are more than the original credit card balances and bills and the accounts should be closed and have {$0.00} balance on my credit report. I have attached screenshots from my XXXX, experian, and XXXX reports.

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 2021-12-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently disputed this account due to inaccuracy and it was REMOVED from XXXX, Experian, and XXXX. 

The account just reappeared on my credit reports, which now its reporting 90 days of late payments, when the account has been CLOSED prior to XX/XX/2021. 

How does a CLOSED account report late payments? The account is not OPEN, which continues to make this INACCURATE reporting violating the FAIR CREDIT REPORTING ACT. 

This account continues to report inaccurately and MUST be REMOVED from my credit report immediately.

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 2021-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: INTEGRAL RECOVERIES, INC.
State: CA

Complaint narrative:
I received a letter today trying to collect a debt against " XXXX XXXX '' by the debt collector company integral recoveries. My name is actually XXXX XXXX XXXX. 

The debt is owed to the state of Utah. I've never been in Utah. I have no business with anybody in Utah and i would not have any reason to owe that amount. It is clearly a case of mistaken identity. 

I tried to contact the company, but all of their telephones are unresponsive and they do not provide any email mechanism to get in contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently disputed this account due to inaccuracy and it was REMOVED from XXXX, XXXX, and Transunion. 

The account just reappeared on my credit reports, which now its reporting 90 days of late payments, when the account has been CLOSED prior to XX/XX/2021. 

How does a CLOSED account report late payments? The account is not OPEN, which continues to make this INACCURATE reporting violating the FAIR CREDIT REPORTING ACT. 

This account continues to report inaccurately and MUST be REMOVED from my credit report immediately.

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 2021-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently disputed this account due to inaccuracy and it was REMOVED from Equifax, XXXX, and XXXX. 

The account just reappeared on my credit reports, which now its reporting 90 days of late payments, when the account has been CLOSED prior to XX/XX/2021. 

How does a CLOSED account report late payments? The account is not OPEN, which continues to make this INACCURATE reporting violating the FAIR CREDIT REPORTING ACT. 

This account continues to report inaccurately and MUST be REMOVED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover card closed my accounts even with perfect payment and even paying before payment dates just to keep the accounts healthy. It is wrong and should be illegal to close someone's account without valid reason especially when the account is being taken care of better than most customers. This feels discriminatory as I am of XXXX descent. This resulted in lowering my credit score which therefore harms my chances of being approved for credit at good interest rates. Closing my account also lowered the average age of my credit itself. This alone is an erroneous report on my credit report as I do have over 2 years of credit history with Discover. Discover should reopen my account or delete my account altogether. This just isn't fair in the middle of COVID 19. In addition, I also have perfect credit history with all my other credit card companies. In fact, they are all paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Currently have a medical bill that was paid by my insurance company. I have mailed in disputes with the Credit bureau with no success. I'm currently in the process of trying to buy a house and really need these items removed. I also included other accounts that are reporting incorrect that need to removed from my Credit Report.

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 non-monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
During Covid, around XX/XX/2020, I was sent an email from XXXX saying that I was able to extend possession of an internet router until it was feasible to send back. Without warning, I was sent a bill for the entire balance of the router. In XXXX of 2020, I returned the router to the store. There was no other outstanding balance in the account. I heard no more from XXXX, and was told by an employee that the bill would be discharged. I have since been sent mail from a debt collectors agency trying to get me to pay for the router that I returned. 

I have attached the emails from XXXX, as well as the letter I was sent from the debt collectors. Please advise as to what I can do in this situation.

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