vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-29 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: NC

Complaint narrative:
Credit bureau refuses to remove/delete negative items even after I submitted a FTC identity theft 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 2019-06-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Contacted Experian concerning inquiries and the correct spelling of my name. 
Explained to Experian that my name is incorrect and was told they can change it because its being reported by a creditor. 

Also wanted to dispute inquiries but was told I couldnt I had to dispute with the creditor and zi couldnt dispute with them. 

Also contacted Experian about a fraud alert and a personal statement that I didnt make to be removed was told they cant make that request also.

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 2019-06-29 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: FL

Complaint narrative:
I can't apply for ANYTHING, every letter I get says " unable to verify your identity ''. 

I never asked for a security freeze so I don't know why the credit reporting agencies won't give anyone my information. 

My life is basically on hold, this is unfair. I have great credit but no way to take advantage of it.

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 2019-06-29 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: FL

Complaint narrative:
I can't apply for ANYTHING, every letter I get says " unable to verify your identity ''. 

I never asked for a security freeze so I don't know why the credit reporting agencies won't give anyone my information. 

My life is basically on hold, this is unfair. I have great credit but no way to take advantage of it.

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 2019-06-29 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: IL

Complaint narrative:
I received a letter of response that didnt address anything that the complaint was about. I instead received a letter that was basically an untruthful cover the company response. XXXX clearly didnt read the complaint but instead attempted to justify the lies, incorrect information, and false impersonation of your staff. On XX/XX/XXXX I called and gave my social security number so I didnt refuse to give my account number. The issue of an employee misrepresenting themselves as a manger and claiming to call me about a false investigation was never addressed. I have received several calls since XX/XX/2018 so the attempt to use something from XX/XX/2018 is a ridiculous cover up. I have called and asked for months to have the number for Credit Protection! I even had one person  tell me someone will co tact me in regards to it! XXXX the fake manager stated he was investigating the matter as he saw. The refusal and lies need to be properly addressed. I had agents state there was no credit protection and the phone call from XX/XX/XXXX is proof of that.

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 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I reached out to Transunion two times already to delete fraudulent accounts they manage to not delete the last one, which is a XXXX store card that is a result 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 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I called XXXX XXXX XXXX to get cable and WiFi and they never gave me services and XXXX is not even available in my area. They are trying to charge me for services I never received. Ive called 7 times and every time theyve kept me on the phone for 40 plus minutes only to hang up or disconnect the phone right before Im transferred to supervisor. I would pay the debt if it were mine. However not only did I not get services, my name is incorrect and I waited 3 weeks without services because they said they would come out. Please remove this. I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: VA

Complaint narrative:
After an internal investigation, XXXX XXXX XXXX concluded I was indeed a victim of opportunistic identity fraud and requested this fraudulent line of credit be removed. Correspondence was sent from XXXX to Experian and XXXX requesting the removal of this trade and all things associated with it which includes those inquiries. I myself have also submitted documents and still it remains.

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 2019-06-29 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:
I CHECK MY CREDIT. I NOTICE THESE ACCOUNTS ON MY REPORT WHICH ARE FRAUDULENT. I AM A DISABLE YOUNG MAN I DON'T EVEN KNOW ABOUT CREDIT MY FATHER IS TRYING TO TEACH ME WHATS CREDIT ALL ABOUT, BUT AS MY JOURNEY TO GROWING TO BECOME A MAN. I REALIZE THAT I'M A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 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: DISCOVER BANK
State: VA

Complaint narrative:
After an internal investigation, Discover Financial Services concluded I was indeed a victim of opportunistic identity fraud and requested this fraudulent line of credit be removed. Correspondence was sent from Discover to XXXX and XXXX requesting the removal of this trade and all things associated with it which includes those inquiries. I myself have also submitted documents and still it remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 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: VA

Complaint narrative:
After an internal investigation, XXXX XXXX XXXX concluded I was indeed a victim of opportunistic identity fraud and requested this fraudulent line of credit be removed. Correspondence was sent from XXXX to XXXX and Equifax requesting the removal of this trade and all things associated with it which includes those inquiries. I myself have also submitted documents and still it remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: FL

Complaint narrative:
I can't apply for ANYTHING, every letter I get says " unable to verify your identity ''. 

I never asked for a security freeze so I don't know why the credit reporting agencies won't give anyone my information. 

My life is basically on hold, this is unfair. I have great credit but no way to take advantage of it.

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 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CBA of GA, Inc.
State: GA

Complaint narrative:
These accounts do not belong to me. Please review the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
On XX/XX/19 at XXXX I answered a phone call from southwest credit systems group llc out of XXXX Texas , called from XXXX. I verified what is my address with the woman on the line. She proceeded to try to collect 45 dollars from a toll from a few years ago. I asked her to please verify the debt and she spouted off more personal information and told me I will receive a " ticket/citation '' from the company if I dont pay and it's like {$200.00}. I asked her like from the police and she said yes a ticket just like the ones they give you. I tried to press her on if it was a civil or criminal issue and what will the citation be for surely not from the city and she deceptively assured me it's just like.those I have to call the parent company to talk.about the tickets and citations given out though. I got transferred to a manager and she tried to verify my information as the last woman did and when I gave her the address of XXXX like I gave the first woman she said it's not what they have on file. She then told me.she couldn't discuss the account with me bc I didnt verify the info correctly. I asked why the first rep did and she didnt have an answer. So the first person i spoke with gave out handfuls of personal and account information to somebody that improperly verified. Alot of information. That's not okay. I asked for a copy of the call.amd was sent to another executive 's line. They are not verifying that the people they speak to are debt holders and giving away alot of personal information. Please help us from these unsafe tactics I hope no one else has called in and just been given random account and personal information that's dangerous and illegal via the cpfb. Thank you guys for everything yall.do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I had a 44 month auto loan. My second acct with Westlake Financial Svcs in XXXX. My auto was repped 3 times. The 2nd time in around XX/XX/XXXX they reported again. I got a deferment in XX/XX/XXXX/XX/XX/XXXX and paid interest. My note was {$290.00} mo. And I paid {$400.00} XX/XX/XXXX bc of deferrals and my loan matures in 90 days. Had home repairs in XX/XX/XXXXso I skipped payment. They repossed on XX/XX/XXXX claiming I was two months behind. Thus, the beginning of this dispute.. Wanted me to pay {$1500.00} to get auto back. I spoke to XXXX XXXX at XXXX about the car. I initially thought it had been stolen. They advised that 1. Had NSF fees of {$100.00} and I paid with a bank card. I was told when repossessed 2nd time they didn't apply that fee although it was listed to recover auto and 2. They advised they had collected {$1000.00} more in interest than the loan said in the beginning and finally they wanted {$3000.00} to for car. I'm done will hatchet lender. Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
These accounts do not belong to me. Please review the attached document.

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 2019-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased Insurance policy through Bank of America 15 years ago with XXXX XXXX XXXX XXXX XXXX   never filed a claim & all payments were deducted from my account monthly & I just received a cancellation letter from XXXX XXXX XXXX XXXX XXXX that the policy will terminate on XX/XX/2019 period. That is corporate fraud, Bank of America has told me they have nothing to do with the cancellation & whatever money I am out is too bad because of XXXX XXXX XXXX XXXX XXXX can cancel at any time they so desire, They simply generate enough revenue for a period of time & cancel whenever they choose.

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 2019-06-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Hello. I recently turned in a 2016 XXXX XXXX to the XXXX XXXX XXXX dealer in XXXX Florida after I completed my lease. I made my final payment in XXXX and on XX/XX/XXXX a day before my lease was due to be turned in I went into the dealership and the keys were given to one of the sales guys that sold a vehicle to us the weekend prior. He assured me that the keys were going to be turned into the person responsible for the lease returns. I get a call from GM Financial two weeks which is the finance company for the car on XX/XX/XXXX asking me where the car was. I told them that I had left the car at dealership as per contractual agreements. Apparently the dealership had not done their due diligence and did not do as they were supposed to. I received a letter from GM Financial this week stating that my car was repod and therefore it will get sold at auction and I'm going to be responsible for whatever fees and payments come about that. The car was repod from the dealership and I don't understand how this is any fault of mine. I find that unlawful as I turned over the lease as I was supposed to and the dealership should be responsible for any fees. They didn't even record the car the day that I turned it in. They're saying that they have XX/XX/XXXX as the date that I turned in the car. I should have nothing to do with that. I didn't receive any type of notification other than that call from GM Financial on XX/XX/XXXX that my car had not been turned in. The dealership is giving me the run around but GM Financial is stating that they will proceed with the steps to take after a car is repod. Do you have any advise for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018, after receiving a letter from XXXX about our lease, we spoke to a sales person who discussed incentives for us to return our vehicle early and get into a new lease. We were told we would have to cover the mileage but they would take care of our last ( 2 ) payments, disposition fee and wear and tear of our current lease. 

On XX/XX/2018 We agreed to the terms, ended our lease of our XXXX XXXX early and were placed in a new vehicle. We were told the excessive mileage would cost a little over {$900.00} and to expect a bill in the mail. 

On XXXX XXXX I was hospitalized and required to have an emergency XXXX. During recovery in early XXXX, I received a notice that my total lease liability was now {$1800.00}. I called XXXX immediately so that they could correct the error. They said they had no knowledge of the agreement and that they had only waived the disposition fee but the rest was my responsibility. Though I wanted to argue there was nothing I could do so I agreed to pay it but could not do so immediately because I was on XXXX but could pay them in full as soon as I received my taxes. 

They agreed to this and called every other week for an update on when the amount would be paid off. I asked if I could at least do a payment plan but they refused. Had I been able to make payments I would have been able to remain in good standing. Sometime in XXXX, they began reporting to my credit that I was late for payment when really it was the {$1900.00} that needed to be paid in full ( my monthly payments were {$200.00} ). My fico dropped from XXXX to XXXX which had a downstream effect on my other financial obligations. 

In XXXX as soon as I was off of XXXX, I paid them in full. On the advice of one of the customer service reps, I called back 5 times throughout the month of XXXX pleading for a good faith adjustment to remove the late payment information but they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NH

Complaint narrative:
In XX/XX/XXXX, I completed my XXXX degree program. At that time, I set up automatic payments of {$120.00} every quarter with the XXXX  loan servicer - Heartland ESCI. According to the agreement to come out of educational forbearance, my first payment was due on XX/XX/XXXX and the payment would be automatically withdrawn from my bank account. I made the XX/XX/XXXX payment and again in XX/XX/XXXX before I noticed that Heartland ESCI was marking my credit report as 180 days late. 

I contacted Heartland ESCI and the representative advised that I needed to enter a rehabilitation program for {$40.00} per month in order to get the late payments removed after 9 months. At the time, I did not realize that this was incorrect since I was not in default and was making my payments on time so I agreed. 

After doing some research, I realized that the information she gave me was incorrect so I called Heartland ESCI again on XX/XX/XXXX. The supervisor apologized for the woman who placed me on the rehabilitation program incorrectly ( she advised that no one at Heartland is authorized to do this!?! ) and advised she would remove me from it. However, she then suggested I put my loan in forbearance. I told her I do not want to do that because I'd much rather pay the loan. 

When I asked her why I was receiving late payments when I have been making my payments on time and according to the original agreement ( quarterly payments of {$120.00} ), she explained that the late payments are from XX/XX/XXXX when I was with a previous loan servicer ( XXXX ), but because I went on an in-school deferment shortly after, Heartland is reporting them now. 

This is a clear violation of the FCRA. Heartland ESCI has incorrectly reported 180 day late payments on my credit report from XX/XX/XXXX - XX/XX/XXXX for late payments that occurred in XX/XX/XXXX. I am attempting to purchase a home and I would like for these late payments to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is not following FCRA laws and regulations. They are reporting XXXX   XXXX on my credit and shouldnt be. I sent a validation letter and they sent me a response saying it was verified. Who verified it? I received no proof, nothing. I then sent a second letter and within a week they said its verified? Once again no proof. I asked for proof a consumer contract with my signature on it and they ignored me not following section 609 or 611. Ive contacted XXXX  and they cant show proof either so why is this on here. Experian needs to fully investigate this and not just press a button on a computer and show me the proof of there finding like I asked for or immediately delete

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 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
A NEW COMPLAINT! 
American Express keeps pulling the same unprofessional mess by holding my money that is credit back to my account. They keep my money tied up unnecessarily for ten days or more. They are holding {$510.00} and {$120.00} when it was credit back to my account. The employees talked revolting and show they are power hungry. The manager said to me ; she didn't care if I filed a complaint through theF.T.C. American Express talks down to consumers. This company has a high disregard for XXXX and Veterans. If a company is giving a XXXX Vet a hard time, imagine what they are doing to the regular consumers. They are robbing others and me. They must be shut down or locked up. Are they too big to fail?

Company response to consumer: Closed with explanation