vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22 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: Student Loan Financial Assistance
State: MI

Complaint narrative:
Student Loan Financial Assistance called about my son 's student loans. He had some personal issues and dropped out of college and wasn't working. This company Pretendending to be a government agency said no problem they can set up a repayment plan. {$110.00} for 4 months the {$77.00} a month for 9 months. After about 7 months I received a letter from a collection agency because Student loan Financial Assistance wasn't paying on my son 's school loans. That's when I realized i was scammed. They even had control of the id and password at https : //myeddebt.ed.gov/borrower/leftMyAccountMenuLoginAction.action. I emailed them and said i no longer want to pay into there payment plan. That was about a month ago. Now again they are E-mailing my Son. They want to help him get on a payment plan. We haven't contacted them and won't be. I did ask them to send my money they got from me back ... nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Amazon Prime Store Card issued by Synchrony bank has been charging me a Security fee without my permission. 

This has been going on since i opened the card XXXX of this year.

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 2019-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I submitted my monthly payment on XX/XX/XXXX and used my bank account information for the payment. On XX/XX/XXXX my payment got rejected for an unknown reason. when I contacted the customer service on XXXX the person told me that my bank account rejected my payment. I call my bank right after that call and the representative from my XXXX XXXX XXXX bank confirmed that no transection was submitted from citizen bank. Then I tried multiple times to make payments online and for an unknown reason, the citizen bank online service blocked my XXXX   XXXX XXXX checking account numbers. 
I called again on XX/XX/XXXX and after explaining the details the representative submitted my payment again. 

The payment amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I applied to rent an apartment at XXXX in XXXX XXXX while it was still under construction in XXXX of 2019. My application was denied and I never moved in. A few months later I noticed that I had a collection on my credit report for a security deposit for XXXX. I have disputed this item and had it removed from my credit report several times only to have Transworld Systems Collection Agency continue to put it back on my credit report. I am tired of disputing it and want it removed for good. I dont understand how they think I should pay a deposit for an apartment I never lived in. If their story is that the amount was to hold the unit, that would also be senseless because again, the building was still under construction at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This account was resulting from identity theft and disputed and removed previously now its cycling back on my credit reports. I would like the account to be deleted from all three of my credit reports. XXXX, XXXX and 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 explanation
Consumer complaint received 2019-11-22 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: NV

Complaint narrative:
I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if Experian is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by Experian. 

According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and Experian has refused me that right. I made a call to Experian XX/XX/XXXX and was denied my right by a rep name XXXX. 

Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors. 

In XX/XX/XXXX a law was passed stating that medical bills and bankruptcys can not show on someones credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does whatsis right under the law.

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 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONEMAIN FINANCE CORPORATION
State: NJ

Complaint narrative:
I took out a personal loan from One Main Financial back in XXXX. I was making monthly payments up to XX/XX/XXXX, when I decided to file a chapter XXXX bankruptcy due to hardship, and that the balance of the loan was part of the chapter XXXX. 
Following the discharging of the chapter XXXX, I was monitoring and realizing that One Main Financial has not closed and removed its information, the loan was still open. So, I called to advise One Main Financial that the loan was part of the chapter XXXX bankruptcy discharge, the answer I was given " That's the way our information it is going to remain in your credit reports. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX. 

According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and XXXX has refused me that right. I made a call to XXXX XX/XX/XXXX and was denied my right by a rep name XXXX. 

Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors.

In XX/XX/XXXX a law was passed stating that medical bills and bankruptcys can not show on someones credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does whatsis right under the law.

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 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX. 

According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and XXXX has refused me that right. I made a call to XXXX XX/XX/XXXX and was denied my right by a rep name XXXX. 

Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors. 

In XX/XX/XXXX a law was passed stating that medical bills and bankruptcys can not show on someones credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does whatsis right under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I contacted XXXX which I have never done any business with and they advised me that they didnt have me in their data base to see why the placed this on my credit history.

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 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today XX/XX/XXXX went online to dispute the incorrect personal information and it says This request can not be processed online

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 2019-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
First, we had many phone conversations with people from Navient to tell us what payments had been paid with Salle Mae before they took over the student loan. They never could tell us the payments. It was a loan for {$36000.00}. XXXX. But when Navient took it over, it was {$5000.00} more. We asked Navient to send a record of the payments that had been made from the beginning of the loan which was with Salle Mae in XXXX before Navient took it over in XXXX. We received a payoff adjustment form which makes no sense with no dates. This form came from XXXX XXXX XXXX XXXX in XXXX, AZ. Another issue we have is the balance on this loan seems astronomically high after paying on it for so many years. The way they figure the payments makes it difficult for one to see if the figures are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This account was paid in full I still have a current active policy with XXXX   XXXX. This company is trying to collect on monies not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Todays date is XX/XX/2019. And I was just billed by Transunion for XXXX . Now I did not sign up for any service whatsoever. I exercised my right according to what they advertised to me to get a free credit report around a month ago it must have been. So I can only assume that they automatically signed me up for monthly credit reporting, which I repeat I DID NOT sign up for, nor do I remember being notified that I WOULD be signed up for any such service. I dont even have enough credit history to have a fico score generated yet. I have found that I am not the only person who has been tricked into something like this, and according to them, the only way to unsubscribe to this service is to wait for absurd amounts of time on hold before I can speak to someone at transunion who will be able to help me with this. While I will be doing this tomorrow, as they are now closed, I am filing this complaint because I see this as a violation of my rights and in all honesty, a theft of my money. As a result of this complaint, I would like transunion to refund me my money. That is my primary motivation for filing this complaint. XXXX , I do not care about, but the principle of letting this go does not sit right with me. Let me know please what else you might require of 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 monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
I received correspondence in reference to a debt in which is not owed to me at my address. I attempted to contact the debt collector two times, in which I was hung up twice by two unprofessional employees. I called a third time, and mentioned I wanted an address to send information about a lawsuit against the company to, in which the woman transferred me to their quality assurance number, which was just a recording. When I called the second time, the man mentioned that he would remove my phone number from their calling list. When I called the first time, the woman must have put my phone number on their records without my explicit permission after telling her that I do not owe the money to them. 

I have never had cellular service with XXXX in my name. Which is the original creditor mentioned in the correspondence. I was requested to send in a fraud packet to XXXX. 

This company is persistent that I pay them, when I do not owe the debt to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today XX/XX/XXXX went online to dispute the incorrect personal information and it says This request can not be processed online

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 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Today XX/XX/XXXX went online to dispute the incorrect personal information and it says This request can not be processed online

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I refinanced my car loan with another institution and paid off the original loan. That was in XXXX. I have called the original institution because 2 months later my loan still shows as open. My credit score dropped XXXX points because it looks like I have 2 car loans. I called again today and they told me to bring them my credit report to show that it is still open. I cant go because they close when I left off work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: NV

Complaint narrative:
There are a few accounts, inquiries and addresses that don't belong to me. Please remove 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 explanation
Consumer complaint received 2019-11-22 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: NV

Complaint narrative:
There are a few accounts, inquiries and addresses that don't belong to me. Please remove 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 explanation
Consumer complaint received 2019-11-22 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: NV

Complaint narrative:
There are a few accounts, inquiries and addresses that don't belong to me. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 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 have 24 active hard inquiries to my Transunion report. I am an identity theft victim and Transunion keeps lying to me and telling me I can not dispute the extremely large number of fraudulent inquiries. I called once again tonight on XX/XX/19 and was hung up on after verifying my information multiple times and blocked from speaking with the fraud department like I asked for. For the third time, I am submitting my police report and screenshot of 24 hard inquiries, most of which are fraudulent, to Transunion and asking for the correction to be made.

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