vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-30 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: PA

Complaint narrative:
I have an extremely common name and am very concerned because I know there is a very bad guy born on the same day with the same name as me. I found this out when an apartment complex did a background check on me and got my information mixed up with his. Today, I found an associated address that is not mine on my Equifax Credit Report today using their TrustedID XXXX XXXX. It took Equifax a long time to send me the email to activate this service and it is currently in a " processing '' status. I need to have this address removed and lock my credit reports. Here 's the wrong address not associated with me in any way " XXXX XXXX XXXX, XXXX XXXX, MISSOURI, XXXX ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30 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: TX

Complaint narrative:
filed police report houston pd # XXXX violates my fcra act hippa remove stuff that are not mine Id theft victim

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 2017-09-30 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: TN

Complaint narrative:
Sent communication to XXXX XXXX reporting..no response. disputed classification of debt accounts. XXXX is a credit card ... XXXX mortgage is our XXXX Mortgage ... XXXX mortgage is XXXX back is real estate mortgage ... Car note is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX Bank loan is a real estate loan, it is wrongfully reflected on the credit analysis. Credit analysis groups it with credit card account XXXX revolving ) ... that is the error. 

XXXX XXXX XXXX XXXX for the car note is misspelled account. 

Credit inquires is wrong ... XXXX XXXX we bought a car and financed it. 
There were several inquires on XXXX XXXX within the same day, same hour, requested by XXXX XXXX. This should be grouped together as a single inquiry as we were shopping interest rates ... XXXX XXXX advises it is for XXXX purpose car purchase. Please amend to show XXXX inquiry. 

The XXXX collections ... this payment was delayed due to medical code error on the bill. Medical office resubmitted to insurance company. It was for a XXXX XXXX operation total cost of XXXX was over XXXX XXXX. This was a billing error by medical provider. Paid when agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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:
filed police report houston pd # XXXX violates my fcra act hippa remove stuff that are not mine Id theft victim

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 2017-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX & spoke to a rep by the name of XXXX & she assured me that NO ONE from Experian verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XX/XX/XXXX. I also contacted the XXXX XXXX Federal Court on the same day & was also told that NO ONE from Experian verified any type of bankruptcies.

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 2017-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted XXXX XXXX on XXXX XXXX, 2017 & spoke to a rep by the name of XXXX & she assured me that NO ONE from TransUnion verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XXXX XXXX, 2017. I also contacted the New York Federal Court on the same day & was also told that NO ONE from TransUnion verified any type of bankruptcies.

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 2017-09-30 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
While organizing the bank statement I noticed ( finally ) a recurring charge I did not recognize. This is a CareCredit card. This was originally started by my husband back in XXXX and I believe it was a type of home loan. Unable to access anything about the card, company, representatives, I can not be certain. I am ashamed of myself that I never even noticed it. I am XXXX and now my daughter is helping me. 

I have exhausted every method to get information from CareCredit/Synchrony -- payments are recurring to XXXX XXXX XXXX. That is all I get for information. This has actually been continuing on for 6+ years! 

I did manage to get a little peek at account numbers they were helping themselves to. The original account was open when my husband was alive using a totally different account # than what I can pull up now. I did stop the account however it just kept on taking money along with extremely high interest for over 4 years. The total taken out of my checking account with the partial report I generated was close to {$6000.00}. That is without the interest! I am in disbelief that there is absolutely no way to view any information. The Synchrony " sign on '' page is almost like it is fake. They know nothing of your account when you try to get help. I am on a fixed income and it is my hope that you will be able to stop these companies that do anything they want. I am very happy I finally noticed it. The charges went from {$12.00} - {$25.00} - {$75.00} - {$130.00} and up. Oh, forgot about the late charges in fine print at the last line. Obviously you never, ever pay it down and if you are not really focused like myself, your money just dwindles away. 
Charges for interest if the entire amount is not paid by the " promotion '' window of time, they charge 29 %, RETRO from when you first got the loan! It was over {$16000.00}. I believe. Please let me know if you take these guys in by their ... just do n't forget to grab all of my money first! 

If you need to ask more questions, please let me know.

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 2017-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
Im desperate and hoping you might be able to assist me. I am a XXXX-year-old XXXX mom struggling to put my daughter through college as well as pay off my own grad school debt. I was looking forward to having my debt forgiven under PSLF in XX/XX/XXXX after working in public service and paying my Federal Stafford Loans under the IBR program faithfully since XX/XX/XXXX. 

About a year ago, I discovered that my type of Federal Stafford Loans were discontinued in XX/XX/XXXX,  and the newer type of Stafford Loans are the only ones eligible for public service forgiveness. I had no idea that this was the case, and was never informed of this by my loan servicer, AES. Back in XX/XX/XXXX, the website clearly stated that Stafford Loans were eligible. When I called AES in XX/XX/XXXX, I was told that I would become eligible if I consolidate my loans, but that the clock would be reset and Id have to make another 120 payments before my loans would be forgiven. I immediately consolidated my loans, and they are now serviced by XXXX XXXX. 

I dont know where to turn. Im heartbroken over this, especially after dedicating the past 10 years to public service as a XXXX where I knew I would make less money but would be making a difference in my community. Now I am seriously concerned that I will end up spending my retirement in poverty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX CLOSED DUE TO ILLEGAL PREDATORY LENDING PRACTICES. THERE ONE OR MORE EDUCATION LOANS APPEARING ON MY CREDIT REPORT Date Closed XXXX/XXXX/2010

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: DISCOVER BANK
State: NM

Complaint narrative:
Discover card keeps sending my XXXX year old daughter credit card offers. I have called twice over the corse of two months and they just tell me that her information must be incorrect. I need to file a report, They keep sending out offers It is illegal and I want them to stop. I would appreciate your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30 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: PA

Complaint narrative:
X/XX/2017, {$20.00} I believe I should be able to request a credit freeze without cost, as I never asked experian, XXXX or any other company to collect and sell my financial data. I believe opting out of this service, reporting my financial data to creditors, a service I was enrolled in without consent, should not come at a cost. XXXX offers a free credit freeze so it is certainly possible. I have attempted to contact credit bureaus to express this belief without success 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 2017-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX card claimed they would give me a XXXX welcome bonus after I spent {$4000.00} in 3 months. I have already completed it in XXXX and have n't received their rewards up to now. I made several calls to their customer service, but still no updates, which they promised would give me a feedback on XXXX XXXX. I made another call today, they say they can do nothing to help and do not want to give me a timeframe of when they can fix it. I do n't think they really want to pay the rewards. If they do n't give the deadline, they can even pay it after 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: TN

Complaint narrative:
Experian Credit Bureau was notified that XXXX XXXX XXXX was wrongfully remarks as revolving acct ... .It is properly address as a real estate mortgage. The wrong classification damages the XXXXredit score. XXXX 2017

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 2017-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My loans are in an income based payment plan. My husband and I re-certified and a customer service agent informed us that if we sent in my husbands paystubs by the end of the week, the low payments would continue at we would stay on the payment plan. This was in early XXXX. Unfortunately, this was not true. After calling in multiple times and receiving different information, we were told that it would be processed the week of XXXX. We were also told to put our loan in forbearance while the IDR was being processed. We were also told to just not pay XXXX and take auto debit off. We also received multiple emails with different payment amounts over the last few weeks. 

Once it was processed, the effective date was XXXX. This caused two problems : 1. A lapse in IDR caused around {$9000.00} in interest to capitalize. 

2. Our XXXX payment is over {$1000.00}. 

Nelnet 's practices are both unfair and deceptive.
Nelnet should have all the respective documents so I will not be submitting any. Lastly, when you call Nelnet, they inform you " If you received multiple statements, please disregard the second one. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I made a purchase on Victoria 's Secret credit card back between XXXX XXXX. I returned the item which should have taken the charge off of my account and brought the balance to {$0.00}. Instead I started receiving calls that I owe {$25.00}. I explained that I returned the item and stopped receiving calls for a while. Then I started receiving repeated calls and texts to my cell phone from condemnity bank several times a day, repeatedly. Finally my attorney sent a letter asking for the calls and texts to stop. They stopped for a little while but shortly started again. They call back to back from cell phone to house phone. They send several letter in a loud pink envelope saying I owe over {$100.00}. A large increase from the {$25.00} dollars that they wrongfully accused me of previously. 

I also received several different threatening voicemails. They often call from anonymous or unknown numbers. ( See attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PROSPERITY BANCSHARES, INC.
State: OK

Complaint narrative:
On XXXX XXXX, I made a withdraw from prosperity Bank for a little over XXXX dollars I believe. After my withdrawal I received my account Balance with a lower balance. Which was ok. I was expecting another direct deposit that day from my second employment. On Sunday XXXX XXXX XXXX, my Balance reflected as a little over XXXX dollars. I went ahead and did some transactions. Mid Monday XXXX XXXX my account was negative. I was confused and frustrated. I have paid so much money in fees especially overdraft fees with prosperity Bank. The bankers are not helpful and can never answer questions. I always have issues logging online to view my account so I can better manage it. I am always calling customer service with no successful results. I keep paying fees that could be avoided if only I can get help. Its frustrating and I think this Bank is not trustworthy. This is why the cfpb was created for banks like this. Do n't open an account with prosperity Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
My dispute is with a collection company under XXXX XXXX they have never notified me I only noticed when it was put on my credit report when I called them asking what this debt was she said it was from XXXX XXXX XXXX I informed her that I did not know what this bill was have never received any type of XXXX and that I had been with XXXX XXXX XXXX up until just this past XXXX of XXXX she then read me the address which was XXXX XXXX and I have not lived there and almost 4 years and change of address took care of that problem had they had sent me anything I know nothing about this debt when I asked for a email or a copy she said that I would have to get online and go to a file number which is XXXX but in order to access the information I would then have to give her my current information as my current mailing address my current phone number and I asked her why she would not already have this if this was a legitimate debt from XXXX XXXX XXXX so I have no idea what this {$260.00} is she 's talking about she wanted to give me a 25 % discount to pay off immediately I told her I was n't paying anything until I knew what I was paying she 's in sternly said I told you it 's an XXXX XXXX XXXX bill and I said well and I told you that I paid off my contract and for the last year I was month to month so I should n't no way have jeopardize a contract with XXXX XXXX XXXX or they would have told me before XXXX of this year when I cancelled so I honestly do n't understand why these people can do this and harass and be rude and I would like this cleared up and I do n't know this debt please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30 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: PA

Complaint narrative:
XXXX/XXXX/XXXX, {$20.00} I believe I should be able to request a credit freeze without cost, as I never asked XXXX, transunion or any other company to collect and sell my financial data. I believe opting out of this service, reporting my financial data to creditors, a service I was enrolled in without consent, should not come at a cost. XXXX offers a free credit freeze so it is certainly possible. I have attempted to contact credit bureaus to express this belief without success 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 2017-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC
State: TX

Complaint narrative:
I have requested verification and validation of debt per my right under the FDCPA section 809 a and b yet this company refuses to provide. I also requested them to cease telephone communication yet their auto dialer still calls me several times a day. This debt is not mine and I am demanding proof of this debt. I also disputed this debt yet its not showing as such. This is a violation of the FCRA. I also do not believe this company is bonded to collect in my state. The last four of my ssn are XXXX and my date of birth is XXXX/XXXX/XXXX. Please send proof of this debt to XXXX XXXX XXXX XXXX, TX XXXX. If I must I will seek legal advice to protect my rights. If my rights are violated in anyway I will seek actual and statutory damages against you and your client.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Hello, I had a federal loan for {$10000.00}, last year I was going through a divorce and was n't working full time, just doing odds and ends to make money. It was a rough time for me. I was contacted by Navient and they suggested to put my loan in a deferment until I could get into a position to repay my loan. I have not heard anything from them since. 

Yesterday, I received a letter from a collection agency showing a balance of over {$25000.00}. I had no idea what it was for, so I contacted them and they told me that Navient had Consolidated my loans in XXXX and then charged my student loans are in XXXX. The woman told me the balance at the consolidation was {$10000.00}, yet when it was charged all the balance was over {$25000.00}. This entire time I have been under the impression my loans were being placed on hold. I am not sure where to turn from here. I have never been offered any type of payment plans like I have read about today. 

How can a loan go up so much in XXXX year? Is this even legal? I know when I spoke with them and they said they were going to put it in deferment status the balance was still right under the {$11000.00}. With no attempts to contact me how is this possible? 

Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
The card was XXXX XXXX XXXX. The packaging stated, '' Use your XXXX XXXX XXXX in the U.S. anywhere XXXX debit cards are accepted, including online. '' Nowhere on the outer packaging did it state that the card needed to be registered in order to make online purchases. While attempting to use the card to purchase blinds from XXXX, my card was refused because it could not be verified. A call to XXXX told me I had a {$0.00} balance and the funds could not be replaced for up to 12 days and it is my responsibility to check to see if the funds have been restored. ( as though I have nothing else to do. ) This problem could have been avoided, if the card included a sticker stating card must be registered for online purchases. I finally found the info on registration, deeply embedded on a miniscule pamphlet inside! I question XXXX 's membership in the FDIC for what clearly appears to be deceptive practices. I also resent the {$3.00} purchase fee XXXX charges, it should ease the use of purchasing not complicate it. Thank for listening.

Company response to consumer: Closed with explanation