vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
XX/XX/2019 I decided to set up automatic payments with Discover Card to ensure I was not as risk of submitting late payments. I utilized Discover 's instant messaging interface on the website. Upon indicating to the Discover customer service representative about my intent ( I have documentation of the correspondence ), the website timed my account out, therefore, indicating to me the customer representative set up my automatic payments. Unfortunately today I received a notification via XXXX XXXX that Discover issued a negative report against my credit score. Upon attempting to resolve this with Discover by paying the balance immediately, I was lied to by customer service agent XXXX XXXX who indicated it was illegal to make such corrections and disputes to previously submitted reports. I was also given information that Discover representatives indicated would not help my situation however would get me off of the phone. Before Discover sent the report to the collection department Discover did not attempt to contact me via phone nor text to indicate I was a past due amount on my account. I believe as a customer for 11 years, in excellent standing Discover should have at least followed up regarding the automatic payments, attempted to contact me before reporting to collections, and not lied to me in hoping to qualm by attempts to rectify the situation. It appears this might have been done maliciously in an attempt to accrue interest on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I have had my car loan done XXXX of 2017. XXXX and XXXX I was reported 30 to 60 days late for a returned payment that I was unaware of from my bank Sandtander the loan company that financed my car didnt once inform me until I called in about a warranty question right now I am on time I already have a 23 percent but they wont remove the late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
I filed for Chapter XXXX in XX/XX/2018 and the debt that was owed to XXXX XXXX was included in my case, XXXX # XXXX. XXXX XXXX did not send a representative to the Meeting of the Creditors and I was granted a XXXX in XX/XX/2018. Earlier today I received notification from XXXX XXXX that a collection was added to my credit report in the amount of {$560.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have no recollection of these charges. 

TransUnion criminal report. Court XXXX. XXXX XXXX Citation : XXXX. Date:XXXX Wrong name. Citation do not match with anything on my MVR. 

Court ID : XXXX. XXXX XXXX Citation :  XXXX. Date : XXXX. 
Wrong name. Citation do not match MVR.

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 2019-08-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Rejected overdraft protection on new checking account as I have never in my life overdrafts an account..agent was persistent and acquiesced ... was never explained as a line of credit on any way shape of form and credit union actually established an unauthorized line of credit..they reviewed the call and refuse to remove it from my credit report..I closed the line immediately oupon learning it was an actual credit line. Was improperly established through tactics that were misleading and I did not give authorization to establish a line of credit..have the recorded calls to verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$21000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b,  12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$21000.00} -This is not my 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 2019-08-08 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$21000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$21000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: GA

Complaint narrative:
Rejected overdraft protection on new checking account as I have never in my life overdrafts an account..agent was persistent and acquiesced ... was never explained as a line of credit on any way shape of form and credit union actually established an unauthorized line of credit..they reviewed the call and refuse to remove it from my credit report..I closed the line immediately oupon learning it was an actual credit line. Was improperly established through tactics that were misleading and I did not give authorization to establish a line of credit..have the recorded calls to verify 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 2019-08-08 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Rejected overdraft protection on new checking account as I have never in my life overdrafts an account..agent was persistent and acquiesced ... was never explained as a line of credit on any way shape of form and credit union actually established an unauthorized line of credit..they reviewed the call and refuse to remove it from my credit report..I closed the line immediately oupon learning it was an actual credit line. Was improperly established through tactics that were misleading and I did not give authorization to establish a line of credit..have the recorded calls to verify 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 2019-08-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX of 2018, I was a victim of Identity theft. I filed a valid police report via the FTC website, wrote a letter and supplied the appropriate documentation required by the FCRA. 

I sent the letters via certified mail, faxed and uploaded copies each containing copies of my FTC report, my credit report with the fraudulent items highlighted as well as a written statement and proof of my identity. 

I have called multiple times and each time they give me a different excuse. Either they never received the letters, or they claim the Drivers Licence was illegible ( which it was not because a supervisor confirmed that it was legible and properly attached to my file. ) I spoke with the supervisor XXXX ID # XXXX and another ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: IL

Complaint narrative:
I have called and written disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, and all the required documents asked of me with no assistance. The accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  are fraud accounts and do not belong to me!!!!!! There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given. There are also three inquries where someone attempted to get cards in my name from XXXX  XXXX & XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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 canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2019 I contacted Experian about removing a freeze. I was told multiple times that the cost would be {$20.00} for XXXX XXXX with the info for my pin. They charged me {$32.00}, and sent me something I never asked, a credit report. I was a member and get reports for free, why would I order one when all I asked for was the info to unfreeze my account. I called, now they charged me another {$20.00} to XXXX XXXX my info again. They clearly stated they would investigate and depending on the investigation may refund my money

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 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing my credit report I discovered several fraudulent accounts.

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 2019-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I work for the XXXX XXXX, and have been pursuing public service loan forgiveness. In XX/XX/XXXX I recertified my employment, and was told I had made forty-six qualifying payments as of that month ; I believe this one is correct. In XX/XX/XXXX I recertified again, and was told I had made forty-five qualifying payments, somehow even fewer than the year before. 

I appealed this in XX/XX/XXXX, and I have received no official communication about it from the servicer. When I call they tell me that it is still being reviewed. At this point it has been eighteen months, and after my most recent call I was told that my situation is not a priority. I have bank statements showing that I did make these payments because I am enrolled in autopay. If I have to make those payments again it could cost me {$10000.00}, so it is a priority to me. 

As someone who works in XXXX XXXX, perhaps most concerning is that there is no official process used when a review is requested. Its all very vague and undefined, and feels like a violation of my due process rights under the Constitution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I have reviewed the letter that Frist Point Collection Resources emailed me and that bill is not mine. I first want to start off by saying I do not live at XXXX XXXX  XXXX XXXX nor have I live there in 2017. In 2017 I was staying in XXXX, North Carolina. Secondly I never received services XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
So Im a XXXX XXXX graduate of 2018 and I now and dealing with Sallie Mae, these people have no intentions of being able to make my payments easier for me. My monthly payment is twice as much as my rent and I am unable to make that payment, I work two part time jobs to make ends meet and I try to at least pay XXXX towards my loans. Since then Sallie Mae has ruined my credit score, I just want an payment based on my income to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi This is my second complain against the company first issue never resolved. i spent hours with the companies to remove the hard inquiry which is due to fraud. My info was taken from XXXX  illegaly. XXXX and XXXX corrected fraud reports immediately but Transunion have not done anything. My credit score dropped because 3 different companies inquired my report without my authorization. Which I called TransUnion to remove. I explained to them that I spent hours talking and writing to those companies without result. I got punished for FRAUD? Wow what a company who just there to do nothing if customer not paying. My credit score is down because of that.

Note my complain stay until company not taking the time to correct and possible will file suit ....

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 2019-08-08 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: PA

Complaint narrative:
After reviewing my credit report I discovered several fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing my credit report I discovered several fraudulent accounts.

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 2019-08-08 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Account was frozen due to " unusual activity '' and kicked into the fraud division. 
3rd time this has happened to me in the last 18 months. 
Each time I have to call in and identify myself thru the automated service line before being transfered to the Fraud dept people. 
This time they are having one live representative ask for three bits of personal data before they will " release '' the account. 
They refused to say what charge or activity is leading to these Frauds, nor will they allow me access to the account online to see what charges or payments have posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
my account was frozen, I tried to vacate the judgement but was not able to gather enough information about this account in question or the credit card that was past due. I learned that there was old addresses on file that they had, the firm claimed they sent certified letters to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
i have struggled to pay the monthly payments for the last few years. I recently had XXXX and lost my job. it took a few months to find a job and its been hard catching up. I attend XXXX XXXX and they recently was found guilty of fraud. I got this loan because i showed proof i was a student there. 
So i feel i would have never taken this loan out if i wasn't in school. my life has been ruined since this loan. If XXXX failed me then everything tied to them should be forgiven and refunds

Company response to consumer: Closed with explanation