vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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: NY

Complaint narrative:
I have about three student loan accounts open that at the time were with XXXX XXXX or XXXX as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted XXXX XXXX about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted XXXX and its sister company XXXX XXXX countless times in the last few weeks to correct the error and they keep passing me around to one another. XXXX tell me to talk to XXXX XXXX, XXXX XXXX  or FSA told me that I need to submit documentation. XXXX has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.

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 2020-06-18 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: NY

Complaint narrative:
I have about three student loan accounts open that at the time were with XXXX XXXX or XXXX as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted XXXX XXXX about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted XXXX and its sister company XXXX XXXX countless times in the last few weeks to correct the error and they keep passing me around to one another. XXXX tell me to talk to XXXX XXXX, XXXX XXXX  or FSA told me that I need to submit documentation. XXXX has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: NY

Complaint narrative:
I have about three student loan accounts open that at the time were with XXXX XXXX or XXXX as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted XXXX XXXX about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted XXXX and its sister company XXXX XXXX countless times in the last few weeks to correct the error and they keep passing me around to one another. XXXX tell me to talk to XXXX XXXX, XXXX XXXX  or FSA told me that I need to submit documentation. XXXX has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.

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 2020-06-18 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: DISCOVER BANK
State: PR

Complaint narrative:
I've contacted DIscover various times to payoff balance. I was offered to payoff balace for a discount which I am willing to do. I am calling doscover and they just send me to another " special division '' ad then the line just hangs up. 

I want to resolve issue and pay off any balance if there is actually a balance to pay off due to Statute off limitations and the fact that Discover also againtst FDCPA contacted an unrelated third party regarding an alleged debt. They left a voicemail and it is in my posession. 

Thank you and Discover should erase any negative remarks from my credit report. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: TX

Complaint narrative:
A company named XXXX XXXX XXXX is reporting an active account on my credit report that is currently reporting delinquent, and damaging my credit rating. This account does not belong to me, and I have never done business with this company. I have contested the account at the credit bureaus three times, but the credit bureaus continue to falsely verify the account belongs to me. I've even contacted XXXX XXXX XXXX directly, and they confirm that they do not have my name in their system, and have no record that I have an account with them. Despite all of this, this delinquent account that does not even belong to me, remains on my credit report and continues to hurt my credit scores.

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 2020-06-18 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: TX

Complaint narrative:
A company named XXXX XXXX XXXX is reporting an active account on my credit report that is currently reporting delinquent, and damaging my credit rating. This account does not belong to me, and I have never done business with this company. I have contested the account at the credit bureaus three times, but the credit bureaus continue to falsely verify the account belongs to me. I've even contacted XXXX XXXX XXXX directly, and they confirm that they do not have my name in their system, and have no record that I have an account with them. Despite all of this, this delinquent account that does not even belong to me, remains on my credit report and continues to hurt my credit scores.

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 2020-06-18 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 explanation
Consumer complaint received 2020-06-18 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: The CBE Group, Inc.
State: TX

Complaint narrative:
There is a account that appeared on my credit as XXXX XXXX and I disputed it XX/XX/2019 and it was removed. It next appeared as XXXX XXXX same account disputed it and it was deleted in XXXX of 2019. Now its been sold to CBE group and theyre back on my credit. I will like to report this account that keeps being sold and negative on my credit as it has been deleted multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$1400.00} XXXX XXXX {$2700.00} USDEPTED XXXX {$4200.00} XXXX XXXX {$2700.00} USDEPED XXXX {$4200.00} XXXX  XXXX {$4200.00} XXXXDOFED XXXX {$4200.00}

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 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
My primary residence loan was sold from XXXX XXXX  to The Money Source ( TMS ) in XX/XX/2019. 
Since then, TMS has notified me & billed me for an ~ {$1800.00} Escrow shortage and began billing this XX/XX/2019. I have notified that this balance is inaccurate as neither my insurance nor my property taxes have increased to a sum of {$1800.00}. 

I have requested for summary on three occasions spanning several months, however, TMS has no provided such and has given no timeframe to do so. I have paid in good faith for XXXX, XXXX, & XXXX, totaling XXXX {$480.00}, and still not received any information to support this claim. 

TMS appears to be content with charging me additional money on my mortgage without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On or about XX/XX/2020 I tried to establish an account online with PNC bank. After getting through most of the procedure, I was thrown out of the process and given information to contact XXXX XXXX. I did that, but could not understand how the information I received prevented me from establishing the account!!!!! I still don't. 

On XX/XX/2020, I called PNC directly. I guided through the process quite professionally by a representative. But, again, was told that it could not be completed because of some reason. The rep could said she did not have the information, but that I would receive a letter in the mail detailing the reasoning. I am awaiting this letter know. 

There are basically two complaints I have the process used to establish the account. 
Online : I'm over XXXX. Some of the questions asked are so far in the past, it would be amazing for me to remember the phone number, address, or whatever. Some things do shade a little light. But one on the questions about an old address, was totally wrong. None of them were my old address. 
In general this process allows for picking-and-choosing who you want as a customer. Last week I established 2 new accounts with 2 different banks. The process wasn't exactly smooth, but it worked. 
I do comparisons on almost everything and PNCs virtual wallet was an excellent choice for me. But, to not be able to tell me, immediately, why I'm rejected is suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: GA

Complaint narrative:
Equifax has reported incorrect information on my credit file from XXXX XXXX/XXXX  trying to collect on this account I do not owe. This company never sent me any information and I want this account remove immediately. Equifax and XXXX properties and broken the law 15 U.S. Code 1692g.Validation of debts. This company did not send me anything or verify anything. This company purchased a debt that I don't owe and I want it removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I advised XXXX to cancel my subscription to XXXX  XXXX! On XX/XX/20 XXXX sent me an email stating the card number on file was invalid and they needed me to upgrade the card number! The reason the card number was changed was because of fraud! I advised XXXX again several times to cancel my subscription and I never gave them my new card number! Eventually about a month later after also advising capital one several times of the situation, somehow XXXX got my new card number and billed me on XX/XX/XXXX {$74.00}. Since then I have been in constant contact with both companies and provided them with all the details requested! On XX/XX/XXXX I was advised by capital one the case was closed and I will be credited the full amount! Capital One also sent me a letter dated XX/XX/XXXX to again advise me the case was closed in my favor, there's nothing more I need to do, even if more information was provided! Then on XX/XX/XXXX capital one reopened the case they closed on XXXX, because XXXX contacted them on XX/XX/XXXX, claiming they showed no car policy! That is an absolute lie! I have been fighting this since XX/XX/XXXX. I want Capital One to apologize for giving out my new card number without my authorization and for reopening the case they closed! I can send you the information needed, if you want! Capital One case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: DE

Complaint narrative:
True Accord/XXXX  continue to harass me on a collection debt i never authorized from XXXX for {$1100.00} back some years ago. I have disputed this debt as fraud numerous times since the start and i continue to get emails from True Accord requesting payment on a fraud account. I have also requested a cease and desist many times and my information removed deleted from all collections files and collection agencies since -the validity of this collection has been disputed many times as Fraud and i request written notice that such request has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
When trying to make payments to catch up loan and pay off, a representative advised that they increased my credit ( cause it was a flex loan ) and I advised that I did not request that! They illegally increased my credit to process a payment toward the loan ; therefore causing me to incur more debt and longer payoff time. 
Since they illegally increase credit and then used that credit to make a payment on the account, then I was not able to catch up payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX closed my account after being opened for 30 days or less. Stated that they sent a letter explaining the reason, which I haven received as yet. The problem is, this company has caused by credit score to decrease drastically and I'm currently in the house buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: CA

Complaint narrative:
I tried to refinance my car today XX/XX/20 however, I was unable to do so because my credit report came back with about seven accounts in negative standing. I didn't know these accounts were on my credit report because none of them belong to me. I am not responsible for any of these accounts nor did I benefit anything from them being open in my name such as money, goods, services or any other benefit and I never contributed to payments made towards these accounts. I don't know who these accounts belong to but I never gave anyone permission to open them in my name therefor I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. The accounts were opened with these companies which I am not affilated with in any way. 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 2020-06-18 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:
I tried to refinance my car today XX/XX/20 however, I was unable to do so because my credit report came back with about seven accounts in negative standing. I didn't know these accounts were on my credit report because none of them belong to me. I am not responsible for any of these accounts nor did I benefit anything from them being open in my name such as money, goods, services or any other benefit and I never contributed to payments made towards these accounts. I don't know who these accounts belong to but I never gave anyone permission to open them in my name therefor I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. The accounts were opened with these companies which I am not affilated with in any way. 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