vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR ALL THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT

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 2020-05-14 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2019 a charge of XXXX was made to my credit card. I called the company and they cancelled the old CC number and issued a new number and I was told that the fraudulent charge would be cancelled. It wasn't. A new CC was issued and the fraudulent charge was added to the new card. 
I called the company 's security again around XXXX XXXX and I was advised to skip any more payments. I skipped a payment and then I received a letter dated XXXX advising me that the payment was past due, so I paid a double minimum due payment. I called the the company 's security again and I was told that the original security representative had made a mistake and the time period for resolving the problem would take another 90 days. It's been about 90 days, and I am still having to pay the minimum due each month.

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 2020-05-14 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 was made aware of several accounts on my credit report that are in negative standing today XX/XX/2020 because I was denied from getting a personal loan. The reason why I didn't know that these accounts were appearing on my credit is that none of them belong to me. All of these accounts were opened in my name without my permission but I have no information about who opened these accounts. I did not benefit anything from these accounts such as money, goods, services, or any other benefit and I have never made any payments towards any of these accounts. I do not have a relationship, contract or agreement with any of the companies listed on this report and I have already filed a police report regarding all of these unauthorized 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 2020-05-14 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 was made aware of several accounts on my credit report that are in negative standing today XX/XX/2020 because I was denied from getting a personal loan. The reason why I didn't know that these accounts were appearing on my credit is that none of them belong to me. All of these accounts were opened in my name without my permission but I have no information about who opened these accounts. I did not benefit anything from these accounts such as money, goods, services, or any other benefit and I have never made any payments towards any of these accounts. I do not have a relationship, contract or agreement with any of the companies listed on this report and I have already filed a police report regarding all of these unauthorized 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 2020-05-14 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: LA

Complaint narrative:
I wanted to start building my credit because I am close to the age where I am going to start wanting to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had i paid for it and had the account closed. I decided to pull my credit and there are a couple of uknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX {$130000.00} XXXX XXXX {$140.00} XXXX {$87.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$14000.00}

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 2020-05-14 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: LA

Complaint narrative:
I wanted to start building my credit because I am close to the age where I am going to start wanting to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had i paid for it and had the account closed. I decided to pull my credit and there are a couple of uknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX {$130000.00} XXXX XXXX {$140.00} XXXX {$87.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$14000.00}

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 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am making extra payments that are supposed to be applied to principal but they are waiting 5-6 days to post it, while that's happening interest is accruing on a principal balance that is higher than it should be. Leaving me to make more money because they aren't processing my payment they day the receive it. In addition, they allow for Bi-weekly payments to be made for your mortgage payment which I am enrolled for, but they again wait to apply this payment until the second payment is received. Which again lets more interest to accrue on a higher principal balance than it should be, leading me to pay more and them to take advantage of me by not applying the payment right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: AR

Complaint narrative:
I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX {$570.00} XXXX   XXXX {$1000.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX / {$8900.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was paying my bill monthly until I lost my job, and my income was very slim. I called them about it and said I could pay an amount of XXXX monthly and that I wanted to close my account to help keep the interest from overloading me. and they said they would not accept it so I said you will if you want your payment, because that is all I have.this is my paypal account. and I want to get it straightened out so I can get it off my credit. I can pay XXXX a month until I get it paid off and that is the best I can do. All I want is to get to get this straight and I am not asking a whole lot but that is what I can afford, and you can look that I was paying every month until last year. Can you please help?

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 2020-05-14 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: CT

Complaint narrative:
Credit bureaus did not verify inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Service Center, Inc.
State: PA

Complaint narrative:
Collection Service Center is reporting a debt that has been paid. I have attempted to remedy this with the Collection Service Center phone service but they have unprofessionally refuse to fix their mistake. I have attempted both of the phone numbers listed, XXXX and XXXX and XXXX has rudely hung up on me several times. 

Below I have provided evidence that this has been paid and that I have attempted to fix the issue with Collection Service Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: MD

Complaint narrative:
My complaint is with Earnest/XXXX  who I recently refinanced my loans with. I was informed on XXXX ( Friday ) that my payment via autopay was rejected even though this is the same account that was used to receive a refinancing bonus. When I went to make a payment online, I was charged twice the amount. There is no option on their website to alter the scheduled payment amount, which I find to be preposterous. I was debited twice the amount from my account the following Monday. The website also stated that my autopayment discount would not be applied to my loans. As of XX/XX/14, I still have not received the second payment and I was informed by a customer service representative that their systems do not allow them to update autopayment accounts online. She asked that I submit paper form with the same information I have already submitted online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: VA

Complaint narrative:
Credit Bureaus are the biggest fraud against people in this country. Why do bad information rather pay off or keep showing up on credit reports while good reporting disappear. Why is Equifax still consider a reputable reporting agency when it allow a massive data breach. Equifax, XXXX   and XXXX are totally discreditable agencies. I do what they do I would be arrested for fraud. Why is my credit score 70 points different between the three? These agencies need to be investigated and regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-05-14 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: GA

Complaint narrative:
Experian and XXXX  are displaying a serious delinquency of 60 days or greater in violation of the of the FCRA. 

Backstory : I was entitled to the post 9/11 GI Bill and the school, VA Education Office, and VA DMC reported a BAH ( basic allowance for housing ) overpayment of XXXX which they sent to collections in XXXX of XXXX during their internal retroactive audit. I graduated in XXXX. According to the VA, the school I attended allegedly adjusted a course I was enrolled in which led to the BAH overpayment. They VA are fixing their internal process issues as they have antiquated notification systems. I had paid it immediately when XXXX via XXXX XXXX notified me of the account with no will for evasion. 

On topic, this was an overpayment and not a loan, so it is erroneously being reporting as a collection because I never agreed to borrow that money. An overpayment doesn't constitute money borrowed and legitimately can't be reported as collections for debt. 

I am handling the details of the VA 's failure with the state via constituent reporting to the offices of the Senator -- but it will take time. I contacted Experian and XXXX  multiple times and they have not corrected disputes via their online system given the details that this was an overpayment nor have they responded proactively. XXXX  shows my normally " very good '' score so I do not have any issues with them. 

I feel this is a direct violation of the fair credit reporting act as it is a false identifier of my credit and is causing me financial burden. 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 2020-05-14 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: MS

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX  XXXX {$14000.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$500.00}

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 2020-05-14 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: MS

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$500.00}

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 2020-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
For the past year, since XX/XX/XXXX, I've tried several attempts to call and get any information I can about this debt. I have talked to them twice. Once to let them know the vehicle was totaled, second time to call and resolve the debt. They said they would give information to my insurance company and my insurance company can let me know what is left to be owed. My insurance said that is not their job that they have no idea of the amount we owed left on the loan they could only tell us what the value of damage what and what the vehicle was worth. I've sent several emails, didn't get a response. I've made multiple phone calls which lead to being told, I didn't have an account with them, couldn't find my account, account was closed and due to being closed I couldn't make a payment. In XX/XX/XXXX I emailed and attempted to call to settle the debt in full and no luck. They have it on our credit report that it was settled in bankruptcy. We were discharged from bankruptcy in XXXX XXXX. We got our truck loan in XX/XX/XXXX so there is no way it could have been included in bankruptcy. Our credit lawyer brought this to their attention by disputing it and after 30 days we got no change or update in verification. We have never received any papers from them in the mail. Our insurance company has sent us all the paperwork and copies from them. Now they are taking us to court for refusal of payment, when they have refused our payment, refused our phone calls and emails to get information and the total debt owned to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2020, and in XX/XX/2020, I had unauthorized charges on my account. 

XX/XX/2020 XXXX XXXX XXXX More details {$310.00} XX/XX/2020 XXXX XXXX XXXX More details {$310.00} XX/XX/2020 XXXX XXXX XXXX More details {$700.00} XX/XX/2020 XXXX XXXX XXXX More details {$700.00} I disputed these with US Bank and had the card closed. 

However, US Bank refuses to investigate the unauthorized charges. 

They claim I was refunded by the merchant for the unauthorized charges, but that is NOT TRUE. I even sent them a follow up, but they ignore all correspondences. 

They even ALLOWED the merchant to continue to charge my card in XXXX, despite US Bank knowing these are fraudulent charges. They refuse to investigate 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 monetary relief
Consumer complaint received 2020-05-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR ALL THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation