vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted disputes to Equifax XX/XX/XXXX and various complaints afterward with the assistance of a credit repair company. I have never received a response to all my disputes or a report. This is a gross violation of my consumer rights. I am asking the CFPB to investigate Equifax in reference to my file ... 

INQUIRIES XX/XX/XXXX XX/XX/XXXX unauthorized XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XXXX not mine XXXX not mine XX/XX/XXXX XXXX XX/XX/XXXX XXXX not mine XX/XX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XX/XX/XXXX XXXX not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 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: NY

Complaint narrative:
At the time of my identity death gain access and believe all my personal information including my Social Security number to open up accounts without My permission and authorization I hope this report it would help. Put a stop to this issue from ever occurring

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 2019-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a XXXX 's credit card ( from XXXX XXXX XXXX XXXX  ), which had a credit balance of {$21.00}, and the company/bank sent me a refund check for the same amount in XX/XX/2018. Unfortunately, I misplaced the check. 

In XX/XX/2018, I received a letter from the bank saying that the check has been cancelled as it has not been encashed, and I should call them to confirm my address so that they could send a replacement check. I did that, and they said that they will have to investigate ( not sure why? ), which would take 1 - 2 billing cycles. 

Two months passed, and instead of receiving a replacement check, I received a similar letter again, saying the exact same thing, in XX/XX/2018. I called them back, and they again asked for 1-2 billing cycles. 

Since then, I have chatted with them online two times, and each time they say that it will take 1 billing cycle to resolve the issue. The amount remains unpaid to me to this date. 

Note : Fed up with their bad customer service, I have closed the credit card with them.

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 2019-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I purchased a new 2019 XXXX XXXX  in XX/XX/XXXX, put money down gave them all my info and in XX/XX/XXXX  received my first bill which I promptly paid. In XX/XX/XXXX I got a call that my XX/XX/XXXX payment was due I said I had not received a statement and was told they would promptly send me another, I didn't.

Saturday the XX/XX/XXXX received another call saying I am now 2 months in arears I explain I haven't. received a statement for XX/XX/XXXX or XX/XX/XXXX I say send me a statement then they say first I must pay the 2 months owed, I say send me a statement and I will, they say no send a payment today. We discuss that point for a while then I inquire why am I not getting the statements, they list the address they are sending and I is horrifically incorrect ( part of my name as part of the adress0, it had been correct for the first monthly bill and " somehow '' got changed. I don't know if there is any recourse but at least I want to go on record saying how rudely, incompetently, how atrociously

GM finance operates. If there any questions about my statements or description here please contact GM, I am
sure they have a recording of these conversations.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 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: GA

Complaint narrative:
The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2019 someone tried to buy a car at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: FL

Complaint narrative:
XXXX has still not been deleted from my reports.

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 2019-02-09 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: FL

Complaint narrative:
XXXX has still not been deleted from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I keep receiving calls from Midland Credit Management about a debt they say I owe. I spoke to them numerous times and explained that the person they are looking for is my uncle who has the same name. They get nasty and then ask me for my social security number and other personal information. When I explain its not me they say they will remove my number but the calls start again in a few weeks. I don't know how to get them to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.

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 2019-02-09 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: GA

Complaint narrative:
The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.

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 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive had fraud reported from other credit reporting companies based on information that was breach by Equifax. Ive called Equifax mutliple times from XX/XX/19-XX/XX/19 but every time I call I am told the systems are down call back in one hour. The customer service representatives cant even tell me the last time their systems worked. I was also not allowed to speak to a supervisor. How can I fix this issue with fraud when the credit report company is the problem???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: NY

Complaint narrative:
At the time of my identity death gain access and believe all my personal information including my Social Security number to open up accounts without My permission and authorization I hope this report it would help. Put a stop to this issue from ever occurring

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 2019-02-09 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: NY

Complaint narrative:
At the time of my identity death gain access and believe all my personal information including my Social Security number to open up accounts without My permission and authorization I hope this report it would help. Put a stop to this issue from ever occurring

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 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: FL

Complaint narrative:
The results of me trying to inquire on my credit I come to find out that my personal information including my Social Security number has been compromised to open up Fraudulent accounts I was advised by the credit bureaus to Submit this form I hope that by doing so it will bring it to a end

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 2019-02-09 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: NY

Complaint narrative:
On XX/XX/2019 someone tried to buy a car at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.

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 2019-02-09 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: NY

Complaint narrative:
On XX/XX/2019 someone tried to buy a car at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: NY

Complaint narrative:
On XX/XX/2019 someone tried to buy a car at XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.

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 2019-02-09 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:
My total loan is for {$360000.00} with the company XXXX, Nelnet. The loan is from when I attended XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX, however I did not see that listed as an option. The lowest payment they gave us through IBR and extended payment is {$2300.00}. We can not afford this monthly payment. Consolidating the loans would still be about XXXX and would hurt my credit as we are trying to move. They go off my gross salary and do not take into account our bills or my other student loans, or taxes. They refused to see my salary after taxes and after our bills. They refused to help us with a payment lower than XXXX. The most we can afford is $ XXXX. They kept trying to get us to do foreberance which does not help the situation. I have a contract job and my salary will not increase, ever. The loan will also collect more interest with foreberance. They refuse to help us and now the loan will go into default due to not being able to make the payments. I dont think they should force people into foreberance where the company will make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX checked my balance and charged XXXX cents with XXXX remaining in my available balance. 

SunTrust charged me a XXXX overdraft fee when my account was in a positive balance. Then claimed it was for an item that posted 3 days later. I have attached screenshots to show that they illegally took funds from my account and charged me a fee

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 2019-02-09 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: FL

Complaint narrative:
The results of me trying to inquire on my credit I come to find out that my personal information including my Social Security number has been compromised to open up Fraudulent accounts I was advised by the credit bureaus to Submit this form I hope that by doing so it will bring it to a end

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 2019-02-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I sold my corporate owned business on XX/XX/XXXX. My credit card processing company threatened me with {$490.00} cancellation fee, my actual processing fee of {$59.00}, {$20.00} fee, and an additional {$200.00} fine/fee. When we discussed this issue on the phone the lady I spoke with threatened me, that she would put this corporate bill on my personal credit report, basically extorting me out of my money. I paid the {$490.00} dollars even though it was not my personal debt for fear of her ruining my personal credit, which is exactly what she threatened to do. She said if you do not pay this today by XXXX I will ruin your credit score and it will drop into the 400 range and no one will ever loan you anything again. This happened on XX/XX/XXXX. I have the email of the company and of the individual that extorted a corporate bill, to use against me personally. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GreenSky, LLC
State: FL

Complaint narrative:
I had a one time service come out for pest control and that was paid. Two years later an account shows up on my credit and they contact me to start making payments. This is from the actual company and not a collection agency. I contact them and they tell me I owe {$1700.00} and scare me into making payments even though I tell them I do not know what this is, I did not want my credit affected as I am trying to buy a home. My son talks to me and I decide to contact them again because I do not owe this bill and they scare me so I make more payments. My son then has me get a copy of the contract and they send me a contract with verbiage blacked out in the body of the contract and tell me its for my protection. It also has a signature that looks similar to mine but you can tell it is not. Also the initials are electronic and I never signed any of this or agreed to it. I have called mulitple times to resolve and they are very mean and upsetting. This is affecting my credit and I do not know what to do. My son helped me dispute on credit im not sure if that will help. If they are doing this to me they must be doing it to others. Please help me I do not know where to turn next. I feel they are taking advantage of me because of my age. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: IL

Complaint narrative:
Equifax & XXXX  are delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax & XXXX have failed the to respond within the 30-days outlined by the FCRA. The items I initially disputed should be removed from my credit report. Please investigate my concerns ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Husband 30 years still employed XXXX XXXX XXXX XXXX XXXX. Daughter attends college I XXXX XXXX fill out loan applications. First year PSLF is offered I believe XX/XX/2007 I submit all paperwork for husband who is qualified for daughters loans. Loans are transferred everything is good, first wave of PSLF comes due submit paperwork and we are denied because I XXXX XXXX name is first on the application and his is second..Daughter has also now been a member of the XXXX XXXX XXXX XXXX XXXX for two years now she has been paying for 5 years her school loans in my name she applied for PSLF as well once again my name in first position. She has paid thousands of dollars toward her loan, her loan has remained exactly at the same amount. We have contacted ombudsman never have been contacted back, every contact via telephone has been different, every written correspondence never responded to. I have never been so frustrated in my life, we are not stupid people and have never dealt with such corruption and still not sure why

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I received a letter from Cottonwood financial on XX/XX/2019. Cottonwood financial claims they have investigated my claim and came up with the resolution that it belongs to me. They are stating they have internal loan records. I spoke to the representatives on the website and can not get a hold of anybody. I need all documentation that cottonwood financial has because I have never seen it nor have I applied with this company. I am a victim of identity theft and can provide documentation.The letter provided to me has a number that is disconnected. Please send me all the information that is bearing my signature and all documentation is attached to my name.

Company response to consumer: Closed with explanation