vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-14 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: PA

Complaint narrative:
I opened a student loan in XXXX 2013 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have NOT found any help. Not to mention how did {$4500.00} go to {$5100.00}?

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 2018-01-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I opened a student loan in XXXX 2013 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have NOT found any help. Not to mention how did {$4500.00} go to {$5100.00}?

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 2018-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a Kohls store credit card that I make monthly payments on. I had gone thru financial hardship and was unable to make a few payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: IL

Complaint narrative:
In Between XXXX XXXX, 2017 and XXXX 2017 My identity was stolen. An unknown individual obtained services through XXXX WITHOUT my authorization in the Amount of : {$1900.00}. Allied Collection Services located in XXXX XXXX, NV is seeking to collect on this debt. But it is not mines. I have taken the necessary steps to dispute this fraudulent activity with all three credit Bureaus, Filed a police report and also Filed a extensive report with Federal Trade Commission. I have submitted a copy of my police report to the collection agency listed above and I have also submitted a written a certified statement to them as well. I am also seeking to find out if the named collection agency in even licensed in the state of Illinois.

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 2018-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Everytime I try to get a credit card im never approved im asking to dispute all of my debits and try to figure out how and why I ca n't get approved for anything please help XXXX email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: GA

Complaint narrative:
I have sent in multiple letters to this company regarding verification of this debt and have n't received proof of debt nor a contract The credit bureau continues to input this account on my report as verified and I do n't have any proof nor does the company have any contract with me i have sent certified mail to this company requesting proof and no response this is ruining my credit i would like the credit bureau to remove this inaccurate information Account : XXXX XXXX XXXX Amount {$500.00} Date : X/XX/17

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 2018-01-14 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: PA

Complaint narrative:
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$4100.00}?

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 2018-01-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$4100.00}?

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 2018-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/2018 Schools First blocks access by external app to make electronic payments on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: GREAT LAKES
State: PA

Complaint narrative:
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay and they are saying that I am 180 days late for 5 months in a row and 150 days late 120 and 90 days late this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$50000.00}????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NC

Complaint narrative:
An account which I previously owned with Discover Card has been closed since XXXX 2017. Following closure of the account, I received multiple telephone calls to both my home telephone and cell phone. In fact, I receive 6-8 calls in one day at my home, which equates to one call per hour during an 8-hour shift. 

Since Discover Card has received no response from me, its customer service has began calling my place of work. These telephone calls to my office have been very disruptive as well as embarrassing. Additionally, I did not authorize Discover Card to call my place of business or cell phone. 

I also sent written notification to Discover Card to cease and desist from all forms of communication with me. 

I stopped paying on the account due to illegal over the limit fees. There is no way that I could have incurred over the limit fees when I had not used the credit card in 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I was deceptively charged for a recurring service that I never signed up for, or was not made aware that I signed up for. 

I received ZERO communication via email, regular mail, or via phone from Experian that I had a recurring service from them and was being charged to my XXXX XXXX credit card. 

I had no access to the service either, as again, I never received ANY communication from them, so I never received a username and password or any instructions on how to access the recurring service. I, to this day, have not used the service they signed me up for, and since it 's just a website with a credit report on it, never received anything from them, nor did they incur any costs since nothing was ever delivered. 

I did, on a one time basis, access my credit report in XX/XX/XXXX, after the XXXX hack. That charge was for {$4.00}. I assume that they signed me up for the recurring service then, and deceptively did not CLEARLY state I was signing up for a service. 

I discovered the issue last year in XX/XX/XXXX when I reviewed my XXXX XXXX credit card statements and realized the recurring charges. I initially attempted to contact Experian, but could not reach them after being on hold over the phone for over an hour. So I then sent a dispute to XXXX XXXX XXXX. After several weeks ( was traveling to see family over XXXX ) with no response from XXXX XXXX, I contacted them again to dispute the charges. Yesterday, I finally received several emails from XXXX XXXX indicating that the charges would be rebilled to my account. 

I then contacted Experian again this morning by calling XXXX and was on hold for over 1 hour and 30 minutes ( I have a screenshot to prove it ) and was finally able to get a customer service agent on the phone. 

The customer service agent I spoke with is named 'XXXX ' on team 'XXXX ' within the customer service center. This agent said that they could not remove the charges. I then spoke with his manager 'XXXX ' (  agent # XXXX ) and she would not remove the charges either. 

The charges total {$170.00}. The charges occurred from XX/XX/XXXX - XX/XX/XXXX. Please see the attached screenshot of the charges from my online XXXX XXXX account.

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 2018-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A random inquiry appeared on my credit report. I contacted Equifax several times to inform them, it was not my acct. They never removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: PA

Complaint narrative:
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay and they are saying that I am 180 days late for 5 months in a row and 150 days late 120 and 90 days late this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$50000.00}????

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 2018-01-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay and they are saying that I am 180 days late for 5 months in a row and 150 days late 120 and 90 days late this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$50000.00}????

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 2018-01-14 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: GA

Complaint narrative:
I have sent in multiple letters to this company regarding verification of this debt and have n't received proof of debt nor a contract The credit bureau continues to input this account on my report as verified and I do n't have any proof nor does the company have any contract with me i have sent certified mail to this company requesting proof and no response this is ruining my credit i would like the credit bureau to remove this inaccurate information Account : XXXX XXXX XXXX Amount {$500.00} Date : X/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: GA

Complaint narrative:
I have sent in multiple letters to this company regarding verification of this debt and have n't received proof of debt nor a contract The credit bureau continues to input this account on my report as verified and I do n't have any proof nor does the company have any contract with me i have sent certified mail to this company requesting proof and no response this is ruining my credit i would like the credit bureau to remove this inaccurate information Account : XXXX XXXX XXXX Amount {$500.00} Date : X/XX/17

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 2018-01-14 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: I.C. System, Inc.
State: PA

Complaint narrative:
I never did business with XXXX XXXX, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on 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 2018-01-14 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I never did business with XXXX XXXX, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX refuses to delete this account from my report, after they told me they will remove, once the account is paid in full., since the account was charged off/closes. I paid the account in full, so now they are saying they will leave the account on my report for seven years. that was not our agreement. My XXXX XXXX XXXXXXXX account is paid in full and closed, so please remove it from my report. Also, i have my XXXX XXXX XXXX XXXX account with XXXX, that was charges off/ closed, that i am currently making monthly payments on to XXXX, and I was told the same agreement once that account is paid in full, which I believe will be XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I referred several friends the XXXX cobrand credit card in XX/XX/XXXX, and as the terms described, I was supposed to obtain XXXX bonus points, but only XXXX XXXX points arrived. Following their terms, I waited for 12 weeks, and contacted XXXX at XX/XX/XXXX, and XX/XX/XXXX, and gave them the names to whom I referred the credit card. They said they opened a case but never gave me any resolution. I thought it was abnormally long waiting time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: Commercial Acceptance Company
State: PA

Complaint narrative:
I never did business with Commercial Acceptance CO, they 're reporting inaccurate information on my report stating that i owe them XXXX dollars which i do n't recall borrowing from any credit card or any company. I really will appreciate if they take the negative item off my report, If they are n't able to remove this negative reporting that 's really affecting my family live, i will like them to provide full verification and contract that proof that i owe them this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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:
XXXX XXXX charge me for a charge that was not mine sent the police report that my items were stolen that a laptop and XXXX so my pw was saved on it violation or cra, ncac for credit unions XXXX showing incorrect amount costing me a loan usage and XXXX line of credit not showing with no balance making my usage of credit high

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 2018-01-14 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: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
I never Borrowed the amount of money this law firm from XXXX XXXX is trying to get, they are reporting inaccurate amount of fees and penalty on my credit report stating that i owe them XXXX which i never borrowing from any credit card company. i disputed this account directly with the with this law firm, i never got any original contract, no supporting document, they only send me a copy of purchases made on that account but no proof that i own this company but the derogatory marks remained on my report. If they are n't able to remove this negative that 's really affecting my family live, i will like them to provide full verification and contract of this debt.

Company response to consumer: Closed with explanation