vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I have have attempted to repair my credit score for the last 3 years regarding a paid collections. I called XXXX in regards to my cell phone did not work properly in late XX/XX/XXXX. I was advised to pay extra on my bill to see if the system would repopulate somehow for my service to work. That did not work and so I changed providers in early XX/XX/XXXX. I paid the early termination fee and then in XX/XX/XXXX, I contacted XXXX in order to paid was turned out to be termination fees that I had gone to collections. The charges were over 200 dollars and I had paid another XXXX dollars to " satisfy '' the account. After the fees of XXXX dollars was paid, the derogatory mark still has been reporting to the three credit agencies. I can contacted XXXX, XX/XX/XXXX, to only have their representative tell me " it will only be on there 7 years '' as if this is not a big issue.I have had to pay more on interest rates over the last 3 years, due to having to explain each time why the collection, I.C system, still should on my report. I have reached out to I.C systems and was told that only XXXX can remove the report by simply contacting to do such. I have contacted XXXX, as recently as XX/XX/XXXX ( XXXX XXXX with 52 minute call duration. 16 mins spent on hold ) -XX/XX/XXXX ( XXXX XXXX with a 42 minute call duration on the first attempt was hung up on ). I will seek damages since my credit score has not been seen less than adequate due to this.

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 2018-05-02 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: CA

Complaint narrative:
To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with XXXX XXXX XXXX XXXX for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca 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 2018-05-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with XXXX XXXX XXXX XXXX for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 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: CA

Complaint narrative:
To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with XXXX XXXX XXXX XXXX for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca 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 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: NY

Complaint narrative:
I am a victim of identity theft.

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 2018-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: NJ

Complaint narrative:
Telephone number XXXX XXXX have been calling numerous times a day for about 3 weeks. This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK, XXXX XXXX Nelnet XXXX XXXX XXXX NE XXXX XXXX XX/XX/XXXX Regarding a Reported Delinquency To Whom It May Concern, My name is XXXX XXXX XXXX and my account number is XXXX. Thank you for this opportunity. Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards earlier this year, and I was over a month late with a payment. I had a XXXX XXXX XXXX, and my wife was seriously sick till now, but she getting better. 

Am the only one still working and providing for my family, wife, and kids. 
I have made all the late payment and my account now is in good standards, but the credit report still showing the late payment, and they are refusing to take it off, that is hurting my credit so bad, I when from XXXX now to XXXX. 

Am in the process of buying a home, found a home sign contract, now my credit is hurting me, the late payment that was reporting XX/XX/XXXX. 

I had been carrying a sizable balance for several months when I finally paid off the full balance of the late payment XX/XX/XXXX of this year. When I received my statements in XX/XX/XXXX and XX/XX/XXXX, I simply discarded them without even opening them because I assumed they would show a XXXX   balance with no payment due. It never occurred to me that there would be a finance charge from the last month that carried a large balance. 

I realize in retrospect that I should have anticipated that finance charge, and I wish I had taken a moment to just open and read those statements. That was a big mistake, and I can assure you it wont happen again. From now on, I will always open every piece of mail that I receive from anyone. 

my records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with the past two monthly payments since getting caught up. 

Thank you very much for your consideration, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TN

Complaint narrative:
There was a unauthorized Hard Inquiry made on my Credit by Discovery Card on XX/XX/XXXX. This Hard Hit was made totally at their own Discretion and DEFINITELY not authorized by me. As I understand this is a common practice by Discover Card when browsing through one of their sites. They believe most people aren't keeping tract of their Credit Score and are seeking to use personal information for their own purposes. This is a huge misuse and invasion of privacy running Credit Checks without the person 's authorization. I had already applied for a Discover Card a few months ago. Why would I authorize another hit when I already did so on XX/XX/XXXX and was refused?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Unifin Inc.
State: WI

Complaint narrative:
This company repeated calls me various times a day never leave a voicemail and when I call back they won't disclose who they are to me. They immediately ask for my information and then they sent me 2 different people personal information in the matter of minutes via email. When I called to inform them they said stop the scheme I'm trying to commit because they cant5help me amd that they will always report to my credit report as negative. I informed them that thats bad practice then they transferred me to a " manager '' the manager dismmissed what I said about the othwr associates I spoke to amd dissmissed what I said about the company sending me other people information that wasn't mine. The manager only concern was to receive a payment from me. I informed the manager that I did not feel comfortable because how the associates spoke to me and the fact that I now have their other customers information that they sent me. The manager then said oh well and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IA

Complaint narrative:
Last summer ( XX/XX/2017 ) I reported my debit card lost or stolen and US Bank sent me another card. Then later we noticed that charges were on my account from XXXX XXXX - and when I called about them they were attached to the debit card I reported lost or stolen. It was never canceled - so they canceled that card and I disputed the charges. I received a statement in XX/XX/XXXX showing a XXXX balance. Then then next thing I know I started getting a call from a collection company saying I owed like {$140.00}. US Bank charged me back for half of the disputed charges because they said the claim was over 120 days old and they couldn't do anything about it. 
After fighting and talking to someone on the XXXX XXXX they told me to contact my local branch we I did - he had no luck and we are back to square one. I have been fighting this since XX/XX/XXXX. We posted on XXXX our issues US bank called and said they would look into it. Never heard back then my local branch manager called and said they put it back on him and he couldn't do anything. Basically sorry about your luck. In the meantime - my local brand manager said he would close our savings for me - ( I didn't ask him to ) and then charged me a {$38.00} forced closed fee. I have about {$200.00} worth of fees locally and still in collections and can not get an answer from anyone. If the debit card had been canceled/closed when I called none of this would be going on. Now its my credit on the line along with all of these fees.

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 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/18 I was searching for travel tickets trough American Express travel program. I planned to use points to purchase tickets, since I have a large amount of points available. I found a travel itinerary that was exactly what I was looking for. It said that they had 9 tickets left and I needed 5 tickets. When I tried to book it, it gave me an error and told me to search for another ticket. I tried to connect with the chat support online and got disconnected twice. I called the customer services and they offered me the same travel itinerary for XXXX points more for each ticket. I argued that it was not fair that they advertised one price online and wanted me to book the same itinerary for a much higher amount. I chatted online with 2 people and spoke with 3 people  over the phone. I spent almost 3 hours on the computer and phone. I didn't book the travel tickets through them as they didn't honor the prices they posted. I am a customer for years and have a business Platinum account ; yet they were unable to honor what they advertised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My husband had opened a money market account with XXXX XXXX XXXX in XX/XX/XXXX. It is a POD account. He had passed away on XX/XX/XXXX. I had not gotten notice of the transfer of ownership to me, as the POD, so on XX/XX/XXXX, I wrote XXXX XXXX XXXX a letter and sent the XXXX XXXX Minnesota office his death certificate. A couple weeks later I received everything back with a letter that this account has to go to probate. 
I then sent the letter and death certificate with tracking to Utah where I was told it was the estate department. 
It has now been weeks, and I still did not hear anything and still can not access the account. I called the XXXX XXXX XXXX Utah branch and they told me I had to speak again back to Minnesota. I talked to Minnesota on XX/XX/XXXX, and they told me I had to send them the letter again and had to have it notarized. I have never heard of such run around for a transfer of ownership that can take just an hour or two to complete. I do not know what their problem is, but I have had to deal with a long time illness and death of my husband and his funeral and find this incompetency unjustified. I want access to my money and move it out as I do not trust XXXX XXXX XXXX. I figure they do not want my money and business as the POD of my husbands account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: PA

Complaint narrative:
I sent a dispute/goodwill adjustment letter about my 90 day late payments from my student loans due to not understanding my loans coming out of deferment and my fiance becoming XXXX. My loans show up as 4 separate loans and it didn't make sense to consolidate. So I now have four 90 day late payments on my report which brought my credit score down over 200pts. I have since found a career in the XXXX  field that I originally borrowed the student loans for and with the birth of my XXXX XXXX ... I am now trying to get approved for a morgage. I wrote a letter explaining my hardships with a copy of my daughter 's birth certificate, asking for my 90 day late payments to be removed. I offered to set up automatic payments. I would be happy if they merely just removed ONE of the late payments from my 4 loans. Student loans have made it impossible to secure a future for myself and family. When I called to check the status, I was advised it was denied because the information is accurate. I want my children to grow up and go to college and establish careers without the worry of an honest mistake ruining any chance they have of the All American Dream of home ownership and security. I am not asking to have my late payments to be completely wiped away ... but some sort of compassion now that I am out of school ... advancing in my career and embracing fatherhood!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Last spring I needed to check my credit score to get approved to rent an apartment while at college. I was told that experian gave a free, one time report which was all I needed. Nowhere that day did I want to become a member, especially since I was unaware they were extracting {$24.00} a month for an account I had no idea was running. Very rarely do I check my credit activity because I don't use much banking. Recently, I got recent credit activity and they've been taking that {$24.00} a month since last XXXX. I've tried countless times to cancel my account and they have never gotten in touch with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went to the XXXX/XXXX branch of Chase Bank in XXXX today ( XX/XX/2018 ) hoping to open an account. I explained that I had just sold my house and was about to move back to Oregon and that my current bank ( XXXX XXXX ) doesn't exist in Oregon, hence I thought it best to get an account in a national bank, because the wire transfer I'm about to receive is quite large ( 6 figures ). I showed my ID, provided proof of address ( home I own ), and my SS number. Suddenly I was asked to provide my residency card, since I had innocently mentioned that I was from XXXX. I don't carry my residency card with me, because it's expensive ( {$450.00} ) and really hard to renew if lost. I even showed my debit card from my other bank as proof that I'm clearly here legally and have been for the past 15 years, but it wasn't enough. No other bank has ever asked me to show my residency card when opening an account. Unless Chase asks for birth certificates from applicants who are citizens, this is a discriminatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I made a deposit in the amount of {$1100.00} dollar on XX/XX/XXXX that was supposed to be put into my Savings account. I filled a deposit slip out and informed the teller that I did not know my account number. I received notification of account activity and proceed to find that funds were missing from my Reserve account with PNC. After further investigation, I found that the writing on the deposit slip with account number were not my own hand-writing. The teller took the liberty to fill out the deposit slip account number without my consent and put the amount into the incorrect account. Resulting in the amount being placed into my checking account without my knowledge. 

I contacted PNC Corporate on XX/XX/XXXX, when the issue came to my attention. I spoke with XXXX, XXXX and XXXX XXXX in the retail relations. They informed me that issue would be risen to the branch manager and the teller would receive coaching. I do not feel that this is satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: CA

Complaint narrative:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my brother/sibling, under his name, on XX/XX/XXXX is still being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my brother/sibling, XXXX XXXX. I did not cosign this auto lease. I was simply used as a reference by my brother/sibling. It is NOT a joint account. XXXX XXXX XXXX fraudulently opened the account under my name. According to my brother/sibling, XXXX XXXX, the auto lease is incorrectly being reported as a joint account and should be reported as my brother/sibling ( XXXX XXXX ) being the only individual responsible for this account. 
I contacted XXXX XXXX XXXX and asked them to remove the account from my credit profile. According to XXXX XXXX XXXX, they can not see the account being reported under my name and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into the fraudulent XXXX XXXX XXXX account. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the account. ( Do not send me anything via US mail. ) If you find the account referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this account was not FRAUDULENT being reported and that it belongs to me, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT account reporting. 
Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Debt for {$1600.00}, i have no idea what this is or who did this ... this is not my account, Ive already reported with the XXXX ... planning to also contact a lawyer

Company response to consumer: Closed with explanation