vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ascendium Education Group
State: TX

Complaint narrative:
Company calls me 5-10 times a day on my work phone although Ive made it clear that its a work phone and not my personal. They have also called my boyfriends parents repeatedly after I and they have asked them to stop. Today they have called me twice XX/XX/20 at XXXX and at XXXX where they lie and say they are trying to verify employment ( but dont say for who ) and they need me to call back. She rarely says this is an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was a victim of identity theft, a Macys account was placed on my credit due to this incident. I contact Macys numerous times, sent them copy of police report .. disputed item and they refuse to remove item. They are unable to sent the verification and still tell me that item belongs to me and its verified. This account has been damaging to my credit and I need to get it 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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from 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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from 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 non-monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Bristlecone, Inc.
State: NY

Complaint narrative:
I never Attend any college in Florida and I never finished high school

Company response to consumer: Untimely response
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX {$56.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX  XXXX {$190.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$950.00} XXXX  XXXX  XXXX {$660.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
We recently started trying to purchase a home. Well when the lender requested the credit report Equifax would not pull up. We called the company to remove this fraud alert and the company stated that hey could not find me. That I also had to send in personal information via fax. Well we did a week goes by and still nothing. The house we wanted is now under contract with someone else because Equifax could not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ftc violations : XXXX XXXX XXXX XXXX dept of ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act

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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc violations : XXXX XXXX XXXX XXXX dept of ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act

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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Several years ago I/we had ID theft. We place freezes on the three major credit bureaus. Now I am trying to temporarily lift the freeze in order to secure a new mortgage. 
XXXX  & XXXX  have been great. Experian is a not so cooperative. 

I have tried multiple times to follow Experians online credit unfreeze process and it all ends in an error. The end result is for the consumer to call Experian. After working through all of the automated prompts their system instructs, the end result is a recording that says I need to send copies of my personal ID 's - Drivers License, SS Card, Utility bill, etc. via US Postal Service to them. Talk about a recipe for ID Theft! " Yes, send copies of all this stuff that we tell you to hold close and don't give to anyone '' Experian DOES have an option to upload documentation via secure server, just not for credit freeze/unfreeze issues. 

Experian also does not allow for ANY option to talk with a human operator or case worker.

Why is it that I am beholden and held hostage by a " for profit '' company that I did not ever sign up for their services? They have been granted " immunity '' from the federal government to exercise their freedom of " lack of customer service ''. 

I would ask that if a company like Experian is allowed to exert so much control over a consumers financial lives, then that company MUST offer a more robust customer service experience. But ultimately I would like the free market to decide which credit bureau survives or not, the the consumer/business ' decide!

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 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This complaint is in regards to CFPB complaints # XXXX & # XXXX. 
On XXXX XXXX 2019 I filed a complaint against Citi, # XXXX. The respondent, Ms. XXXX, claimed she was unable to contact me and labeled me a deadbeat which is discriminating. I immediately closed my account with CITI based on Ms. XXXX unjustified actions. 

On XXXX XXXX 2019 I filed another complaint against Citi, # XXXX. Ms. XXXX contacted me, was friendly and cooperative, and assisted me in determining the validity of two charges totaling approximately {$37.00}. Once confirmed I paid them with her over the phone but still questioned why I wasnt contacted about upcoming monthly payments. 

Ms. XXXX kindly waived the late fees but her letter dated XXXX XXXX 2019 indicated my account was being reported as 60 days overdue with the credit reporting companies even though she never mentioned this when we spoke. It appeared to be retaliatory for me closing my account. 

If Ms. XXXX had done her job and returned any of the TWO phone calls I made to her and had been as cooperative and helpful as Ms. XXXX, none of this would have happened and it was all over approximately {$37.00}. 

I am sure Citi noticed there are no late payment reports on my credit reports when they opened this account in XX/XX/2019 and for them to ruin my credit over {$37.00} after intentionally ignoring my phone calls and labeling me a deadbeat is unacceptable. 

Along with this complaint, I am also filing a complaint with the PA State Attorney Generals Office against Citi.

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 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank XXXX North Carolina, Was Neglectful in protecting my money. For todays money was being withdrawn from my account in the amount of {$9000.00}. I was not alerted and they did not put a freeze on what was going on with a fake debit card. I have never owned or used a debit card. Checks are being used with forgery and the bank is refusing to return any money due to 60 days up and not me not reporting. I did not know what was happening due to the fact that I was not receiving any kind of statements or male of any kind. Im still working with the post to start service. This bank was negligent and this is my retirement Im XXXX And I need my money returned. I live alone and Im finding out that I have identity stolen, bank fraud, mail been intercepted. TD Bank has been less than helpful they have been cold and callous they refused to even dispute all the things that I told him too. I am treated As if I did this I am the victim. Approximately 15,000 has been taken from my account police reports have been made. Credit bureaus have been contacted. TD Bank was neglectful with any alerts as their ads will say that they will protect our money. They did not protect my money it should have seen in two days {$9000.00} was being removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ftc violations : XXXX XXXX XXXX  XXXX dept of ed XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a  consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
last XX/XX/2019. On my own I write because I disputed an account on my credit and I did not receive any response. Then I received a letter letting me know the account will be removed. At this time on XX/XX/XXXX, the account continues on my credit report and I try to removed but do not have reponse or deleted the account. SYNCB/SAMS continues on my credit report even they agree to deleted on XX/XX/2019.

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 2020-03-09 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a phone call from Transworld Systems Inc. on XX/XX/2020. The automated voice message was from someone called XXXX requesting that I call phone number XXXX. The message said they were trying to collect a debt. The message said I should call them. I do not owe any money to this entity. They are also reporting false information on my credit report. I do not have any outstanding balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: AZ

Complaint narrative:
I have never been contacted by this company or did business with this company and now they on my credit report. There has been no communication they have given me by mail or phone. This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a notification that there was a XXXX XXXX account in collections reporting on my credit report. 

On XX/XX/XXXX, I immediately contacted all 3 credit bureaus to dispute the XXXX XXXX account as identity theft and a fraud alert was placed in my credit file. 

On XX/XX/XXXX, I received a letter from XXXX XXXX stating I am not responsible for this account as it was the result of identity theft, and they notified XXXX, XXXX, and TransUnion. 

By XX/XX/XXXX, XXXX  and XXXX had promptly removed any record of that account from my credit reports. 

I received a notification on XX/XX/XXXX that TransUnion is still reporting the fraudulent account on my credit report, hindering me during the underwriting process for my mortgage. I spoke to 5 dispute representatives on XX/XX/XXXX from XXXX to XXXX - each one would not provide any resolution to this matter. XXXX XXXX stated TransUnion was required to remove this collection account once receiving notification, and they had 24 hours to do so. This should have been removed by XX/XX/XXXX, as XXXX and XXXX  had removed them. I now have to send them another round of additional documentation that this account is fraudulent.

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 2020-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXX advised us they could lower my mortgage. They took our information and charged us XXXX a month for the lowered payment but never paid freedom mortgage my lender. Now I am being evicted from my home..XXXX XXXX XXXX XXXX advised us we we not quick enough with paperwork they dropped the account but still accepted payments they never paid. They advised us to speak to our lender after asking us not to talk to our lender for 8 months. We have lost XXXX and our house because of this operation. And there is no help for a XXXX  father who lost his job and now must move.

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 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2020 a transaction for {$830.00} was charged to my account in error. The account number on the check is the same as mine except for one digit. I informed the bank, Fifth Third, of  the error on XX/XX/2020 and was directed to contact the Dispute Department. They seemed to be treating this as potential fraud when in reality it is a mistake. I contacted their Dispute department again this morning, XX/XX/XXXX, but they still have not resolved the problem. A similar problem with this bank occurred a few years ago. 

They acknowledge that is an account number problem, but they seem to have some bureaucracy in place that prevents them for providing reasonable customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

US DEPT ED XXXX {$1700.00} XXXX  XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$5500.00} DPT ED/XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX {$56.00} XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$190.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$660.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$2100.00}

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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

US DEPT ED XXXX {$1700.00} XXXX  XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$5500.00} DPT ED/XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX {$56.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$660.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$2100.00}

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 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This terrible awful bank decided to close my debit card without even notifying me. On, XX/XX/2020 I requested via phone call that checking ending in XXXX and savings ending in XXXX be closed. The remaining balance should have been sent via ACH transfer with completion no later than XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time my identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw a outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

DPT EDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$840.00} XXXX  XXXX {$1900.00} XXXX XXXX {$840.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX   XXXX {$280.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$770.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$180.00} XXXX   XXXX {$340.00} XXXX XXXXXXXX {$1100.00} XXXX   XXXX {$13000.00} XXXX XXXX XXXX {$1000.00} CES XXXX {$4900.00} XXXX XXXX XXXX {$740.00}

Company response to consumer: Closed with explanation