vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Goodyear closed account due none use of available credit ; contacted and explained that system does closing automatically. However, never notified either electronically or US Mail ; no notice in any prior agreements of this practice, furthermore, I fine this practice to be Discriminatory based on the system review of XXXX score and or other identity profile information such of Race and Veteran status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX has reported student loans that I held with them is delinquent during XXXX which is incorrect. I have contacted the company and they stated I need to dispute with the credit bureaus which I have done on 4 separate occasion. I have also submitted documentation of my account from the company 's website showing that the accounts have never been delinquent. As these are federal student loans had they been delinquent additional actions would have been taken by the company. The account shows the following : In XX/XX/XXXX paid as agreed, XX/XX/XXXX 90 days past dueXX/XX/XXXX 120 days past due, XX/XX/XXXX 150 days past due, XX/XX/XXXX 180 days past due,XX/XX/XXXX 180 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX no data submitted, XX/XX/XXXX no data submitted, XX/XX/XXXX paid as agreed. This same reporting was done on all 7 of the accounts that I had open at that time with " Dept of Ed/XX/XX/XXXX'' Accounts beginning with XXXX. I do not have anywhere else to contact, the bureaus state I must work with the creditor and the creditor states I must work with bureaus. I have been attempting to correct this error for more than 3 years and am at a loss as to what to do next. This issue has cost me several thousands of dollars in increased interest associated with the impact this has had on my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NJ

Complaint narrative:
I am a victim of identity theft and breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the 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 2020-11-09 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: NJ

Complaint narrative:
I am a victim of identity theft and breach of information. The information listed below appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and breach of information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: TX

Complaint narrative:
I am a victim of identity theft. I have reported to all three credit bureaus that fraudulent charges were made with my information. XXXX XXXX XXXX XXXX has not removed the account. I have contacted and disputed this account 4 times. The balance is {$24000.00}. I have never did business with this company. This account shows up as closed. I want to file a complaint on all four parties. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NJ

Complaint narrative:
I am a victim of identity theft and breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the 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 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
The amounts was {$140.00} claim id # ( Dispute ID : XXXX in the amounts of {$37.00} {$30.00} {$73.00} I was told that a error occurred on the XX/XX/2020 and it was final. My account was debited on XXXX/XXXX/2020. This is them commenting fraud I have a email. They are saying the email was a mistake. Which is not true. Chime is trying to hold on to funds. I spoke with agents on Saturday informing me that the error accrued and me account will be funded back. Now chime is refusing to do so. I will like to Sue.I have a email stating that no error occurred. I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion ha sthe XXXX  account as a balance showing that is incorrect posting of this account as this is posted with XXXX  as a XXXX  balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
I've been trying ever since XXXX the XXXX to get my mortgage documents. 
Homebridge Mortgage keeps telling me their sending it out and that I will receive it within 72 hours but I've never received any documents or papers since XXXX the XXXX. I've called 6 times within that time frame. Ive asked to speak with the CEO to get this resolved, they gave me someone in office and they stated the same info about sending within 72 hours. Still I have nothing! Please help me get this resolved asap, thank you for your service!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NC

Complaint narrative:
THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
I sent Credit Consulting Services Inc debit validation letter after I seen a ding on my credit report. I never received a letter from this company to collect a debit. I wrote C.C.S on XX/XX/20 They received it with certified mail on XX/XX/20 They sent a letter back XX/XX/XXXX with just the Original creditor name XXXX XXXX XXXX XXXX and Balance of {$1400.00} Still Credit Consulting Services Inc didnt not provide Validation on this bill. 
I sent Credit Consulting Services Inc a second Response letter on XX/XX/20 and they received it on XX/XX/XXXX which I asked to send copies of Ink signature and copies of any HIPAA authorization. I still have not received any letter from credit Consulting Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO 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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO 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 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a purchase for an XXXX product with a special promotion for {$2900.00} with no interest fees if its paid in full in 24 months. Within Barclay bank promotion, If purchased is over XXXX, I have 24 months to pay it off with no interest. On XX/XX/XXXX, My account got charged three interest charges purchase of {$900.00}, {$76.00}, {$73.00}. I had call Barclay, multiple times, requested complain submission to a higher management but my calls had been dropped, and they do not want to make any responsibility towards 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 2020-11-09 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: AES/PHEAA
State: MD

Complaint narrative:
I have been making payments towards Public Service Loan Forgiveness for many years and I re-certify my qualified employment often ( at least once a year ). I also have been careful to ensure my loan payments have all been eligible ( IDR ). While I am very grateful that I am now able to log in and actually see which payments have counted towards my repayment I also see that entire 12 months of qualified payments with an eligible employer ( University of XXXX- System ) have not been counted ( XX/XX/XXXX through XX/XX/XXXX ). I raised this twice with my loan servicer both over the phone and via chat ( XX/XX/XXXX ). I have sent the signed employment certification 3 times that includes those missing 12 months. The loan servicer responses continue to neglect including those 12 months. I am so close to discharging two loans. I need your help in getting this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 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: TX

Complaint narrative:
I am a victim of identity theft. I have reported to all three credit bureaus that fraudulent charges were made with my information. XXXX XXXX XXXX XXXX has not removed the account. I have contacted and disputed this account 4 times. The balance is {$24000.00}. I have never did business with this company. This account shows up as closed. I want to file a complaint on all four parties. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: Nelnet, Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft and/or breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and/or breach of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I simply would like to remove the freeze placed on my account. I have attempted to do so online to no avail, therefore I contacted Experian via phone and each time, the call was disconnected. 

I am unable to utilize my credit due to a lack of unavailability on their part. It is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 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: NJ

Complaint narrative:
I am a victim of identity theft and/or breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and/or breach of information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
i started a lane bryant credt card last year. my issue is i cant keep contacting them to make a payment over the phone. i have yet gotten my credit card since opening this account, it has ben well over 30 days. as they also told me they couldnt give me any information on my account over the phone because the address was incorrect. thye woud not allow me to fix it so i could get my statements as well as my card. now im tryig to get a loan for school and now i cant because i cant pay this back do to lane bryant credit company. if theres any way you could help i would love that

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-09 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: NJ

Complaint narrative:
I am a victim of identity theft and/or breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and/or breach of information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX needs to be removed from Experian report. It is over seven years old

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NJ

Complaint narrative:
I am a victim of identity theft and/or breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and/or breach of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity Bank operated a store credit card for Wayfair, Inc. Earlier this year, Comenity was marketing its credit on the Wayfair site offering promotional terms ( no payments until 2021, for example ) to lure customers in. I also signed up and used the card to make purchases on Wayfair 's site. A months later, I received a notice from Comenity that it was closing down the Wayfair store credit card program and a Comenity credit card representative told me check back soon because Comenity would allow us to move the credit amount ( {$2000.00} credit limit in my case ) to another Comenity Store card account that they offer ( such as XXXX ). Later Comenity sent a letter telling that their rep had lied to me about that possibility and that Wayfair customers would NOT be able to transfer the credit limit to another account. But they misled us about closing the account. They would keep the account " open '' for the sake of collecting payments but were revoking the {$2000.00} credit limit. They then reported to the credit bureaus that they had " closed the account due to a settlement or charge-off ''. However, this is false - they did not offer a settlement and are still collecting for the full amount of the debt. Because they lied to the credit bureau, my credit score has plummeted because their actions caused my credit utilization score to rise to 331 %, because they did not in fact offer any sort of settlement on the account. 

I believe that Comenity conspired with Wayfair by offering promotional a payment plan because it knew full well that it intended to close the program down a few months later. This bait and switch program sold a credit card account and offered instead something else entirely - a predatory loan that hurts our credit. Comenity did send a letter confirming that their representatives tell mistruths about the credit card closure, but only offered an apology. Nothing more. There was no settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The credit issuer Comenity Bank issued a BJ 's Perk card based on application I submitted. I was able to make a handful of charges. Then suddenly without notice, the card was abruptly closed and future charges declined. 

The bank gave out a cookie cutter response that it is related to credit scoring. However, I find that to be incorrect, and even a lie and a bunch of horse XXXX XXXX. 

Why would they approve the card, allow about {$2000.00} to charge to it, I make normal payments, then they close without due process. It cause irreparable damage to my scoring, and an embarrassment at the points of sale. 

Further more, I am being duly denied of my discounts offered by the use of the card, and many other collateral losses. 

I demand reprimand to this card issuer, or the reopening of the Elite Mastercard subject of this complaint. 

My complaint reference to the bank is dated XX/XX/2020 reference No. XXXX, spoke with XXXX ID No. XXXX senior advisor. 

Furthermore, I requested a transactional letter detailing the events, but they were not willing to provide any documentation related to my file other than a computer generated generic letter with the lame excuse they continue to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
XX/XX/2020 Credit opened with XXXX 's by someone under my name, home address, SSN. 
Contacted XXXX 's Fraudulent department. 

XX/XX/2020 XXXX 's XXXX. Credit opened with XXXX 's for {$2400.00} by someone using my name, home address, and SSN. 
XXXX XXXX 's XXXX Fraudulent department. 

XX/XX/2020 Checking account opened with Alliant Credit Union by someone using my name, home address, and SSN. 
Contacted Alliant Credit Union Fraudulent department.

Company response to consumer: Closed with explanation