vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland mortgage is paid in full student loans are n collections addresses are incorrect social security numbers wrong numerous credit cards ran

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: GREAT LAKES
State: MO

Complaint narrative:
XXXX XXXX is paid in full student loans are n collections addresses are incorrect social security numbers wrong numerous credit cards ran

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: Colony Brands, Inc.
State: IL

Complaint narrative:
This company continues to report 2 unauthorized accounts on my credit report. Ive even tried to pay this debt that isnt even mine however, the company says they do not even own it anymore. The debt was apparently sold to a collection agency. The major issue with this is # 1. The collection agency is no longer in business # 2. Why is the original creditor still reporting a balance on an account they no longer own. The original creditor will not deal with me since they sold the debt. So they expect me to deal with a phantom collection agency. This is becoming ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: MicroBilt / PRBC (formerly CL Verify)
State: IN

Complaint narrative:
Sent a request to MicroBuilt to place a freeze and suppression on my consumer file as well send me a copy of my full consumer report. Have not heard anything back. Please see attached file and fulfil my request immediately thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: TX

Complaint narrative:
In XX/XX/2018 I filed a dispute against XXXX XXXX XXXX. The dispute was validated and removed the ac ch int from my report. Now the account is back on my report with a different credit bureau ( XXXX  ). Also the start date was changed which re starts the statute of limitations. Which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used my XXXX  debit card to pay for a transaction on XX/XX/19 for {$130.00} XXXX uses my chase bank account as backup funding. This charged caused my chase account to go into a negative. That {$130.00} was then refunded but XXXX kept the refund instead of sending it back to my chase bank account. All XXXX could do was send me a bank letter. In the end, I was charged a total of 12 overdraft fees on my chase bank account totaling to {$400.00} and now I am going through a financial hardship and unable to pay my rent. I tried to explain the situation to chase and offered to send them the XXXX bank letter. But they just refused to refund me any overdraft fees and ignored my request to send the letter. I let them know the financial hardship this caused and I have been a customer for a very long time but they did not have any regards. As per XXXX money, chase bank led in profits for making the most in atm and overdrafts fees last year. This experience goes to show you how much they care for their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
We deposited a check by mobile deposit. According to the written policy, we were allowed to deposit checks for up to {$7500.00} per day. The amount of the check was {$6900.00}. This was a payment from a commercial customer paying for electrical services. The bank put a hold on this check for 10 business days, which because of weekends and a holiday is almost 2 weeks. This has resulted in incredible hardship for our business as this is 2/3 of our monthly cash flow. According to our customer, the funds cleared their account within 24 hours. So the bank has been using our money for nearly 2 weeks. By phone, they said it was a computer generated hold and there is nothing they can do. The branch manager says they are powerless to change it. I do not believe that a hold on cleared funds can not be lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
BARCLAYS BANK DELAWARE is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to BARCLAYS BANK DELAWARE along with a notarized affidavit claiming fraud. BARCLAYS BANK DELAWARE is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like BARCLAYS BANK DELAWARE to close their files which have any information with my name & social on it ...

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 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
Dear Representative, I joined Experian to monitor my cred it scores. But it seems they only want to keep billing me more : first {$1.00} free trail then {$4.00} to see more info. then they wished to bill me {$29.00}. I need for them to cancel my subscription immediately! Please credit my credit card for these charges. I was led to think {$1.00} was good for 30 days.

This seems to be some kind of misinformation concerning the free trial to monitor you three scores for all three credit bureaus. Not honest.

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 2019-01-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX  XXXX along with a notarized affidavit claiming fraud. XXXX XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX XXXX to close their files which have any information with my name & social on it ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 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: Colony Brands, Inc.
State: NY

Complaint narrative:
I had a XXXX XXXX of XX/XX/XXXX and my boyfriend is helping me with my credit. When we checked my credit report we noticed 5 credit cards that I never applied, used or signed for that have been closed and charged off. All of the credit cards have the same address and 4 of them were closed on the same day. Which doesn't make any sense. When I have tried to ask questions, or complain, I keep getting the run around, the companies are not found as seperate companies. Even on this site to complain the individual names don't come up. They only come up as XXXX XXXX XXXX.

They are : 1.- XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$410.00} charge off 2.- XXXX XXXX/XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$450.00} charge off 3.- XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$460.00} charge off 4.- XXXX XXXX- open XX/XX/XXXXand closed XX/XX/XXXX {$230.00} charge off 5.- XXXX XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$130.00} charge off All at 1XXXX XXXX XXXX, XXXX  WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: AR

Complaint narrative:
OnXX/XX/XXXX I received an email from the XXXX XXXX stating my account had been locked due to multiple failed attempts to access the account. I call as directed and confirmed it was not me trying to access my account. I have not made any charges on the account in over a year. It was confirmed that no charges had been made on the account. I was unable to locate my credit card at the time so the account was closed and another opened. I recently received a credit alert. So, I checked my credit report to find TransUnion and XXXX  had dropped my credit score tremendously. Upon reviewing it I realized there were two incorrect reports. Both stated I had an increased balance on the military star card. Yet, both had a previous change of account reported by the XXXX XXXX. I contacted the XXXX XXXX. I was told they only reported a change of account. I then disputed the increased balance with TransUnion on XX/XX/XXXX stating there was an account change and the previous balance was transferred to the new account. I receive a response on XX/XX/XXXX stating the investigation was complete and the information was accurate and would remain on my credit report. There was no new charges my balance did not increase had they contacted the XXXX it would have been confirmed. I was not able to submit a dispute with 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 2019-01-23 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: AR

Complaint narrative:
On XX/XX/XXXX I received an email from the XXXX XXXX stating my account had been locked due to multiple failed attempts to access the account. I call as directed and confirmed it was not me trying to access my account. I have not made any charges on the account in over a year. It was confirmed that no charges had been made on the account. I was unable to locate my credit card at the time so the account was closed and another opened. I recently received a credit alert. So, I checked my credit report to find XXXX  and Equifax had dropped my credit score tremendously. Upon reviewing it I realized there were two incorrect reports. Both stated I had an increased balance on the military star card. Yet, both had a previous change of account reported by the XXXX XXXX. I contacted the XXXX XXXX. I was told they only reported a change of account. I then disputed the increased balance with XXXX  on XX/XX/XXXX stating there was an account change and the previous balance was transferred to the new account. I receive a response on XX/XX/XXXX stating the investigation was complete and the information was accurate and would remain on my credit report. There was no new charges my balance did not increase had they contacted the XXXX  it would have been confirmed. I was not able to submit a dispute with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2019, American Express set me with a pre-set limit on my card of XXXX without advanced notice. They did this to me while fully aware my balance at the time was XXXX. Now it shows I am over my limit. I have never had difficulty making my payments on time, but a leak in my home caused me to fall behind. I am XXXX  past due and as of today XX/XX/2019, I am 13 days past due. I called American Express on XX/XX/XXXX to get an understanding as to why my limit was preset without any advance notice and why they set the limit less than what my balance was. I expressed to them that this isn't consumer friendly and it was an unfair practice. I spoke to about 3 different people who were of no help. I finally called again and spoke to someone else and that person was very rude. She was aggressive and spoke over me the whole time. I decided to do a cease and desist and for my card to be closed out of frustration. Prior to her reading the required disclosures, I told her to hold off on closing my card until I spoke with a manager. She told me a manager would call me back. About an hour later, I got a notification that my card had been closed. The rep who closed my card did not have consent to do so. She didn't follow compliance and she violated federal regulations. She didn't read the required disclosures. I called back and asked to speak to a manager again. Still no manager to speak to. I was promised a call back the next day, XX/XX/XXXX, and I got no call back. I called American Express back to reopen my card and there was no resolution. My card is still closed. This morning, XX/XX/XXXX, I woke up to a threatening letter from them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Hello, My name is XXXX XXXX XXXX ( at that time my name was : XXXX XXXX XXXX XXXX. I changed my name because i got married ). I have XXXX babies and the XXXX of XXXX of them were covered by the government insurance because of my low income. When my XXXX  baby ( XXXX XXXX XXXX XXXX ) was born in XX/XX/XXXX, at XXXX XXXX Hospital at XXXX, kentucky, he got certain medical issue and the hospital kept him fews days to make him better. the hospital charged me for that while i was covered by the insurance. I went to the hospital to complain for that issue and they contacted the insurance company and they told me that everything was ok and i dont have to worry about that. They fixed some bills but fews months later i noticed that they fixed everything except one. They told me they Will fix it also but unstead i got collection mark of XXXX $ from GLA collections ( XXXX XXXX XXXX   ) on my credit report a until now. I called them to explain that it was a mistake they told me they can not do anything to remove that. I dont know what to do and that situation affect my credit score because i have a derogation mark. 

Can you please 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 2019-01-23 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: TX

Complaint narrative:
In XXXX  of XX/XX/XXXX I had my loans transferred to XXXX because as a XXXX XXXX XXXX, I wanted to work towards loan forgiveness. Up until this point, I had no issues with my income based repayment applications being processed and I made timely payments. Since working with them, i have received conflicting information regarding my application status. Forms that were to be mailed to me were not. They claimed to have not received one form but inexplicably received the other. Most recently, I entered a doctoral program. I initially wanted to continue on my IBR and requested to continue to pay. they denied it and said i had to pay {$1400.00} which I could not afford. I then reapplied for in-school deferment while the situation was rectified. I was told in XXXX that I would receive a form in XXXX and all would be well. I received the form in XX/XX/XXXX immediately faxed it back - was told that it would be taken care of immediately only to find that {$1400.00} had been deducted from my account that I did not have money for and could not afford. The website does not allow you to remove bank account information from the profile as it states. I have just had horrific customer service, representatives who know absolutely nothing and they have now created a financial hardship for me and my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: MA

Complaint narrative:
Good morning, I have been finally reviewing all my Best Buy bills, and I realized that I have been charged for a Debt Protection program I never signed up for. ( I believe it Started XX/XX/2009 and I have been charged {$35.00} a month ) I can hardly make payments as it is, so I know I would never agree to this service.

In the past I've always had a hard time logging into Best Buys online statements, because it's never been user friendly. I'm finally able to break down all my charges to see a fee that does not belong there. I have assumed it was interest charges in the past.

I contacted Best Buy, and they referred me to XXXX XXXX XXXX. XXXX XXXX XXXX stopped the service and said they would review my case. They never reviewed it, because I was denied before I got the paper work. My rejection letter came in before the paperwork to fill out.

I would like to know how a charge would start appearing without my consent. I also read online that other parties were affected, and might be part of the data-breach from years ago.

Also Best Buy refuses to respond to my emails!!!!!!!!

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 2019-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have a co-signer in my loans, my father, who has never co tributes to my loans repayments and had been unemployed for the last 2 years. Hes nearly XXXX. Im married with no children. My husband and I have a home together at a fixed rate of 4.2 % interest and a mortgage of {$2200.00} a month. Our combined income is {$160000.00} - {$170000.00} a year depending on over time my husband is eligible for. I have one other payment I make on a car for {$280.00} a month.  However Navjent wont release my co-signer because of my debt to income ratio. My greatest and only debts are my loans! This is propsterous and they wont tell me what income I would need to qualify for realsing my co-signer. Whats more, I cant refinance and consolidate until hes released. Ive tried several time with other browsers and internally with navient and thats the repsonse I get. One of my loans for has an interest rate of 13.25 %! I believe they are willing my and jnkwly denying my request to prevent me from qualifying for refinancing options with no reasons for denyin. My request for advising me on the qualifications I would need to get it approved. Every time I apply they pull my credit so I cant just keep trying - tried in XXXX and XXXX with no change in response or favorable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding and Resurgent have been trying to claim I owe them money for a collection account that I don't know where it came from. After an entire year of sending certified letters monthly asking to send validation of said account they only come back with a letterhead from there company, each and every time. I can not trace this debt on any of my credit reports. LVNV has failed to provide any sort of validation linking this said account they are trying to collect on to my ssn. I have also submitted a complaint with the SC XXXX. I've sent numerous certified letters to this company every month for an entire year. I am asking for this account to be deleted once and for all from my credit reports as they have failed to provide any accurate information linking said account to my ssn let alone an agreement bearing my signature.

Company response to consumer: Closed with explanation