vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have never done business with the companies. This Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I have already filed a FTC and Police report over these same companies.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 2019-12-03 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 went to try to lease a car today XX/XX/19 and when they did the credit check I was told that I was not approved because there were some accounts reflecting badly on my credit report. None of those accounts belong to me. I suspect that they were opened by my aunt since she has the same name as me. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts. I did not make any payments or purchases with any of these accounts and I have never had any written/verbal contract with any of these companies. I have already gone to file a police report regarding these unauthorized accounts.

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 2019-12-03 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 went to try to lease a car today XX/XX/19 and when they did the credit check I was told that I was not approved because there were some accounts reflecting badly on my credit report. None of those accounts belong to me. I suspect that they were opened by my aunt since she has the same name as me. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts. I did not make any payments or purchases with any of these accounts and I have never had any written/verbal contract with any of these companies. I have already gone to file a police report regarding these unauthorized accounts.

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 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I recently pulled my credit report from all three credit bureau 's. After reviewing my reports I noticed a collection account listed that I had no knowledge of. The collection company name was listed as Diversified Consultant. The company says there is a bill in the amount of {$1100.00} owed by me. The company also say 's this collection was placed in XXXX of XXXX. After checking my own personal records and files I was not able to find documentation of any contracts, bills, with my name or social etc, supporting this claim. 
I reached out to the company per certified mail on XX/XX/XXXX which they received on XX/XX/XXXX. The company has since removed the collection from only my XXXX  account, but are still reporting it on the XXXX  as well as my XXXX  account. Please assist me in getting this negative inaccurate account removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: CITIBANK, N.A.
State: RI

Complaint narrative:
I have gotten a new credit card from CitiCards after it merged with MasterCard. A few weeks later, on XX/XX/XXXX I received a text message about a fraud alert on my account. I have called and found out that there were fraud charges made in my account since XX/XX/XXXX. I confirmed that these were in fact fraud and was given a new credit card number. Upon receiving my credit card and checking my balance online, I found that charges on my old card continued until XX/XX/XXXX even though I called on the XXXX. The total amount of fraud charges from XX/XX/XXXX through XXXX was {$2900.00}. After my call, I was only credited {$1400.00} and remaining balance of {$1500.00} was left under investigation. Its been 2 months and now investigation is closed and Im being told that I have to pay this amount because citi somehow identified that Ive made those charges. I dont have any receipts or any paperwork to prove that I didnt make these fraud purchases and I didnt make them either. I rarely spend this much money on a monthly basis. Please help me to resolve this issue. I would appreciate anybodys feedback and Im very disappointed with citicards services especially because Ive been a card member for many years.

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 monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2019 verbal agreement on recorded line through Capital 1 to take XXXX $ payments directly from my account ACH, until payment is completed. 

Payments stopped by Capital 1 at the end of XX/XX/2019. There was no XXXX payment take. I checked with XXXX XXXX  and this was not stopped by me but by the creditor. 

On XX/XX/2019 I was served with a complaint on behalf of Capital 1 with attorney XXXX XXXX. 

I responded with evidence from my bank showing the automatic withdraw checking from my account. It showed from XXXX to XXXX. It showed that there was payments being taken out and that there was no stoppage from me at all. 

We had a pre trial on XX/XX/2019 and it was offered to re start the payments or a settlement of {$1300.00} could be made We were made aware that if there is a contatrctual agreement that the payments would be added and taken off the account till the balance of XXXX. 

Capital 1 not only broke the agreement, but then is trying to sue us for the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am unable to get a copy of my credit report. I have not been able to receive a copy of my TransUnion credit report for years and decades. When I am able to login, TransUnion refuses to allow me to update my address or other personal information, claiming that they are just not really sure if it is really me. The latest thing that TransUnion has said is that they have postal mailed a copy of my credit report to a long-ago previous address. Their response, to postal mail my credit report to a long-ago previous address, is ludicrous and criminal. TransUnion won't let me see my credit report, but they do eagerly send it to strangers who are living in places where I lived long ago. I have told TransUnion that I have a new address. They said they mailed my credit report " to the address they have on their record ''. They refuse to allow me to update my address or other personal information on my credit report. I am the only, only person who has any authority to say what my address is. TransUnion refuses to allow me to report my address, and also postal mails my credit report, which I haven't seen, to strangers who are living in apartments where I previously lived. This is one example of how TransUnion encourages and assists in fraud, identity theft, criminal activity, and corruption.

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 2019-12-03 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Attached to this complaint is a police report from the XXXX Police Department in regards to fraudulent and unauthorized checking accounts and credit inquiries listed on my Chex Systems Consumer Report. The following checking accounts was open fraudulently, are fraudulent checking accounts and not my accounts : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX. All of the credit inquiries listed on my Chex Systems Consumer Report is fraudulent and unauthorized.

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 2019-12-03 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: OH

Complaint narrative:
I have never done business with the companies. This Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I have already filed a FTC and Police report over these same companies.XXXX  XXXX, XXXX XXXX., XXXX XXXX XXXX , XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: OH

Complaint narrative:
I have never done business with the companies. This Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I have already filed a FTC and Police report over these same companies.XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
All of my student loans are on auto-pay with the option set to assign any overpayments to the principal. I've contacted Navient multiple times regarding the my loan payments not being allocated properly which results in me paying more in interest and not paying down my principal as it should.

When I first contacted Navient about this issue, they stated this was caused because my loans were all in billing groups and therefore causing some loans not to receive payments. I asked that all my loans be separated so payments would be allocated properly. Still, Navient continues to apply my payments improperly by moving my due date instead of allocating overpayments to the loan principal, resulting in additional interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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:
I was made aware of four accounts today XX/XX/19 on my credit report that do not belong to me. These accounts were opened by someone named XXXX XXXX without my permission. I was not part of anything involving these accounts nor did I benefit anything from them being open without my permission such as money, goods, services, or any other benefit. I also never made any payments towards these accounts nor purchases. Im not sure why or how that person got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting my credit reputation cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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 was made aware of four accounts today XX/XX/19 on my credit report that do not belong to me. These accounts were opened by someone named XXXX XXXX without my permission. I was not part of anything involving these accounts nor did I benefit anything from them being open without my permission such as money, goods, services, or any other benefit. I also never made any payments towards these accounts nor purchases. Im not sure why or how that person got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting my credit reputation cleared up.

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 2019-12-03 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: PA

Complaint narrative:
On or before XX/XX/XXXX and XX/XX/XXXX respectively, I sent dispute letters to XXXX, Equifax and XXXX  requesting verifiable proof ( an original Consumer Contract with my Signature on it ) in accordance to the Fair Credit Reporting Act, Section 609 ( a ( ( 1 ) ( A ). Information on my credit report does not belong to me and the credit agency did not remove the accounts from my credit report. The credit report agencies has not verified or removed questionable accounts on my credit report. This is causing me stress, high interest rates, and loss in employment opportunities. And opportunity to obtain a mortgage loan to move into a save community to raise my daughter. In XX/XX/XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. As well as XXXX  announced a data breach and I believe I am a victim. I am requesting XXXX XXXX  dollars for pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: MN

Complaint narrative:
Attached to this complaint is a police report from the XXXX Police Department in regards to the fraudulent accounts listed on my Experian credit report. The following accounts are all fraudulent, unauthorized and not my accounts : 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 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ross Financial Recovery Group
State: CA

Complaint narrative:
Repeated phone calls and voicemails all day when I answer they dont say anything but if I call back goes straight to voicemail, contacting family members daily and letting them know I have debt that needs to be paid, been trying to contact XXXX extension XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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:
I applied at XXXX XXXX XXXX today XX/XX/19 and when they called me back to tell me if I passed the credit check I was told that I did not qualify to rent there because I had several inquiries and accounts in negative or below average standing. I had no idea about these accounts because none of them belong to me. I did not open any of these accounts/inquiries nor did I give anyone permission to open them in my name. I have already filed a police report regarding these suspicious accounts on my report. I did not benefit anything at all from these accounts nor did I take part in any purchases or payments towards any of the accounts. I have never had any type of relationship or contract with any of those companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03 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 applied at XXXX XXXX XXXX today XX/XX/19 and when they called me back to tell me if I passed the credit check I was told that I did not qualify to rent there because I had several inquiries and accounts in negative or below average standing. I had no idea about these accounts because none of them belong to me. I did not open any of these accounts/inquiries nor did I give anyone permission to open them in my name. I have already filed a police report regarding these suspicious accounts on my report. I did not benefit anything at all from these accounts nor did I take part in any purchases or payments towards any of the accounts. I have never had any type of relationship or contract with any of those companies.

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 2019-12-03 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 applied at XXXX XXXX XXXX today XX/XX/19 and when they called me back to tell me if I passed the credit check I was told that I did not qualify to rent there because I had several inquiries and accounts in negative or below average standing. I had no idea about these accounts because none of them belong to me. I did not open any of these accounts/inquiries nor did I give anyone permission to open them in my name. I have already filed a police report regarding these suspicious accounts on my report. I did not benefit anything at all from these accounts nor did I take part in any purchases or payments towards any of the accounts. I have never had any type of relationship or contract with any of those companies.

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 2019-12-03 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: AES/PHEAA
State: MD

Complaint narrative:
Complaint # 1 : Recertification and refund In XX/XX/XXXX, I received a notification from Fed Loan Servicing stating that it was time for me to recertify my IBR ( Income Based Repayment ) plan. The letter explained that I needed to send in a " completed application and all supporting documentation within 10 days of XX/XX/XXXX '' or else my " monthly payment will increase to {$1200.00}, first due on XX/XX/XXXX ''. 

I submitted my income recertification in XXXX or XXXX, and on XX/XX/XXXX they debited my account for {$1200.00}. This was 4 months before they were supposed to begin charging me the new payment. I called in multiple times to complain about this and while they updated my payment to reflect my income certification, they continued to take the larger amount before the scheduled XXXX date. I asked them to go back to my prior payment of {$930.00} until XXXX as they promised in their documentation, and only got passed from phone operator to phone operator and no resolve. 

Additionally, I requested they refund me the payment difference for XXXX since it did not reflect my recertification or the date they stated in the documentation, and they said it would take up to 90 days to address. I never received any further communication on the matter and never received the refund. 

Complaint # 2 : Length of time of on qualifying plan Last year I complained to Fed Loan Servicing and submitted a complaint about them to the CFPB because they miscalculated my qualifying payments. For 6+ months they said I only had a handful of qualifying payments rather the five years they later recalculated. I told them, that recalculation was incorrect and that I have been on a qualifying plan since before XX/XX/XXXX. They said they have no record of that because another servicer handled my loan back then. Aren't they legally responsible for having all of my documentation as a debt collector? There should be documentation on file as to when I enrolled in IBR and through what servicer. 

Complaint # 3 : Amount taken each month For the XXXX tax year, I made roughly {$110000.00}. In calculating my IBR, I am paying more than 12 % of my income on these loans. Is that a correct calculation? And how did my payment increase by {$270.00} this year when my salary only increased by a couple of thousand?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/2019 I received two international transfers of XXXX Euros each into my account at JPMorgan Chase. It was sent by the XXXX government owned railroad ( XXXX ) and represented XXXX payments. Chase has publicly waived all fees and charges in connection with such payments but charged me anyway. The Euro value on XXXX was reported XXXX and they paid me XXXX a charge of almost 3 %, or {$440.00}. This is related to my earlier complaint ( XXXX ) where Chase reimbursed me the charge of {$420.00}. In connection with these wires, I have been totally stonewalled and the person assigned ( XXXX XXXX ) has refused to call me back or send a promised letter ..

Company response to consumer: Closed with explanation