vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 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: Harris & Harris, Ltd.
State: TN

Complaint narrative:
Harris LTD is saying that I owe XXXX in utilities and this was all paid in bankruptcy and is not owed so they need to remove this immediately because it is paid out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: Federal Student Loan Doc Prep LLC
State: NJ

Complaint narrative:
It was advertised as LOAN FORGIVENESS SERVICE under the XXXX Umbrella. Spoke to a man named XXXX XXXX XXXX Ext # XXXX. Had me on the phone for over an hour. I explained to him I was sick for a few years LOST EVERYTHING & I HAD FILED BANKRUPTCY. Well he took all my information ect. He gave me all the right choices???? He put me on HOLD 15 MINS. Came back to the phone and OFFERED ME A 20 YEAR PLAN. Sounded real nice during that time I asked him WHATS THE CATCH. HE EXPLAINED TO ME SINCE I FILED BANKRUPTCY I WOULD MAKE A PERFECT Client???? XXXX told me the sooner I pay for the PLAN IN FULL. I COULD JUST REPORT MY EARNING EVERY YEAR FOR NEXT 20 and at {$500.00}. IT WOULD BE IDEAL. I MADE MY 1ST PAYMENT FROM MY CHECKING ACCT # XXXX FOR {$250.00} ON XX/XX/XXXX. Once payment went thur XXXX told me that a person named XXXX or XXXX would be getting in touch with me. 5 days later I WAS INFORMED THAT I WAS DENIED FOR THE LOAN FORGIVENESS PROGRAM. I CALLED SEVERAL TIMES JUST TO BE TOLD THAT THEY a Document Company. I WENT BACK AND FORTH WITH THE WOMAN NAMED XXXX XX/XX/XXXX XXXX ; XXXX XXXX, SHE TOLD ME XXXX IS OUT OF THE OFFICE AND WOULD CALL ME AFTER THE HOLIDAY???? WELL ITS XX/XX/XXXX NO REFUND OR PHONE CALL. THIS COMPANY IS A SCAM AND I WANT MY {$250.00} BACK. I DIDNT NEED THEM TO FILE ANY PAPERWORK ON MY BEHALF I COULD HAVE DONE THAT FOR FREE. THEY ADVERTISED AS A LOAN FORGIVENESS COMPANY. HOW MANY OTHER PEOPLE ARE OUT THERE????? PLEASE HELP ME GET MY MONEY BACK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12 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: OH

Complaint narrative:
I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS XXXX, DOB XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. 
I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.

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 2020-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: CO

Complaint narrative:
In XXXX of 2019 I noticed a debt for {$620.00} on my credit which i believed was mine I thought speedy cash had bought one of my old debts and sold it to Ad Astra Recovery Services. I contacted Ad Astra Recovery Services and after several attempts of giving my full name, nothing came up in their system. I gave my social and the rep said the account popped up but DID NOT tell me that the account was under someone elses name and continued to let me make a payment. The payment was for {$120.00}. Confirmation number-XXXX. After realizing it was not my account, I called back to get my money back and inform them of the mistake. I was told i needed to mail them an FTC report and dispute letter to get my money back. I completed all of this and when i called again they said they transferred the account back to speedy cash for fraud review and I would need to contact them. After contacting them i was again told that i can not get my money back. The issue im having is this representative at Ad Astra played blind to obvious fraud and let an innocent person make a payment on someone elses debt and i want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
1. I have paid off two Citi cards on XX/XX/2020, one for {$270.00} and the other for {$110.00}. I paid a total of {$380.00} and paid by phone. The lady from Citibank took my money and told me that both cards were closed, apparently neither card was closed. Because Citi Card continues to debit my bank account. I believe Citi cards deceive and discriminate against XXXX cardholders. Because we are XXXX cardholders, Citibank Cards do whatever they like to make false statements to continue debiting our bank accounts, took our money from our bank account. 

2. And also from the last statement I received from Citi Card, I  did not see Macys transition statement from my account that is deception and false and fraud statement.

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 2020-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX Three DEBT COLLECTION ATTEMPTS BANK AMERICA CREDITCARD. see XXXX  attatched. XX/XX/XXXX XXXX {$6.00}, XXXX limit balance {$0.00}. XX/XX/XXXX last reported. Date Closed IS BLANK STILL LEFT OPEN WITHOUT MY CONSENT OR KNOWLEDGE. ( 3 ) Three calls to collect today XX/XX/XXXX came from BANK AMERICA HARRASSERS XXXX XXXX XXXX XXXX. BANK AMERICA COLLECTION ATTEMPTS TO COLLECT DEBT NOT OWED. XXXX AT BANK AMERICA confirmed my social not even in her system. WHY WASN'T THIS CLOSED YEARS AGO? WHY IS BANK AMERICA REPORTING INCORRECT INFORMATION TO XXXX? WHY ISN'T XXXX  RESOLVING?

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 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a e-mail, stating that the loan I applied for ( on line ) on XX/XX/XXXX, was denied. There was no name or amount given. They indicated that they accessed my credit report. I Did Not Apply for a loan from this Organization. My Social Security Number and Identity were Stolen around XXXX. I Suspect, this attempt to obtain a loan, is from one of the Thieves, that stole my Social Security Number. I want this Organization to know that they Fraudulent obtained my Credit Report. This better not impact my Credit Report, or I will Sue them for Identity Theft. I did ask them to send me a copy of my application, they refused. Please address this matter, as soon as possible. I'm not sure if this Organization are the Scammers, Themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
We had closed our account with a cell phone company in XXXX of XXXX. All contract and billing requirements were met. In XXXX of XXXX ( 8 months after closing this account ) our credit card was charged for a phone that had not been returned. We disputed this charge with the cell phone company, but to no avail, and with our credit card company. 
Unfortunately, 8 months after the fact, we could not find the receipt for the phone return. 
We felt that since the cell phone company billing showed that it had been 8 months since our last business transaction, no charge should have been approved without a new contract. The credit card company upheld the billing stating that an investigation had been performed, and the original contract of XXXX was acceptable. As a result, we had to pay {$350.00} for a phone that had been return, 8 months after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC
State: OH

Complaint narrative:
I got a new cell phone number in XX/XX/2019. The person who had this number prior is named XXXX. The debt collectors continue calling looking for XXXX. I have told them repeatedly that I am not XXXX, I do not know XXXX, and to stop calling me. They ignore these requests. This has been reported prior. I want this company fined and calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fifth Third Bank, XXXX XXXX  XXXX XXXX, XXXX, Michigan XXXX. I as a new customer to the bank visited this branch to open a new checking account. Fifth Third is now offering a {$250.00} promotion bonus new account  opening with terms and conditions with a qualifying account. I did all the research on available accounts to choose. On Wednesday, XX/XX/2020 I went opened an account named Free Checking that has no minimum balance requirement. Its the best one for me to choose to avoid any fees. I spoke with a Rep, her name is XXXX XXXX XXXX to open the new account. I made it very clear to her, I wanted the Free Checking account. And not the one called Essential Checking which has minimum balance requirement and monthly fees. She assured me that I was set up with the Free Checking account. This was not the case, she lied and as I was sitting at her desk. She purposely opened the account named Essential Checking without my acknowledgement and authorization. Receiving an email from 5/3 corp telling my new account Essential Checking is opened. I showed her the email on my phone. And she said its worded wrong and don't worry about it. I was told from her I was all set, and she did not give me any documentation of the new account I have. She purposely lied and gave me a account I did not want. I drove to another branch in XXXX, Michigan and asked the manager what exactly account do I have. I was told the Essential Checking. Furious I was of the corrupt behavior that I was lied to. The manager there closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CO

Complaint narrative:
In XXXX of 2019 I noticed a debt for {$620.00} on my credit which i believed was mine I thought speedy cash had bought one of my old debts and sold it to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and after several attempts of giving my full name, nothing came up in their system. I gave my social and the rep said the account popped up but DID NOT tell me that the account was under someone elses name and continued to let me make a payment. The payment was for {$120.00}. Confirmation number-XXXX. After realizing it was not my account, I called back to get my money back and inform them of the mistake. I was told i needed to mail them an FTC report and dispute letter to get my money back. I completed all of this and when i called again they said they transferred the account back to speedy cash for fraud review and I would need to contact them. After contacting them i was again told that i can not get my money back. The issue im having is this representative at XXXX XXXX played blind to obvious fraud and let an innocent person make a payment on someone elses debt and i want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: MO

Complaint narrative:
I have been contacted by UCB ( United Collection Bureau ) 10+ times by phone and each time during my work hours of XXXX-XXXX and each time I have made them aware I am at work and unable to communicate. Each time an associate apologizes and states they will note the system to not call me during these hours. I have advised them they are harassing me and that I want it to stop. The last supervisor I spoke with told me the calls would not stop during this time or any time of the day until I paid and if I did not pay or set up an arrangement that a warrant would be sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: TX

Complaint narrative:
I am a XXXX XXXX of XXXX XXXX university XXXX college located XXXX XXXX XXXX at the XXXX XXXX, I have been receiving my refund from the school, but after the last payment on XX/XX/2018, so I have written to both the school officials and the financial aid, but no response. Please I need my money because I have gone through pain and suffering, I have been delinquent on credit card and had several late payment on rent.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX not mine XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXXXXXX XXXX XXXX XXXX not mine XXXX-XXXX   XXXX not mine XXXX-XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX/XXXX XXXX not mine PUBLIC FILINGS US BKPT CT IL XXXX BK CHPT XXXX inaccurate COLLECTIONS XXXX XXXX XXXX XXXX not mine CREDITORS XXXX XXXX XXXX   XXXX not mine

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 2020-03-12 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: AES/PHEAA
State: NC

Complaint narrative:
The government is garnishing my check twice make it very difficult to pay my bills ... ..I am working for a non for profit company for 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was under a forbearance plan when my account got transferred to PHH Mortgage. I was told that no bad credit reporting and no late payment charges was going to take place while I was on the plan. When I got transferred I started to receive harassing calls and was told i needed to pay all my payments at once or go on a repayment plan right away. I was without a job and had no money to pay. I managed to pay for al the payments and then after a year PHH bills me for inspections and other fees when the inspection took place I was no longer behind on my mortgage. I demand that all those assessment fees be taken off my account or credited. PHH failed to follow my forbearance plan prior to the account transfer to them, they also failed to give me assistance and demanded I pay all my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: CA

Complaint narrative:
There are erroneous inquiries that I did not authorize on my Transunion credit report. I filed a police report, put a freeze on my Transunion report and a statement of fraud on my report and provided the police report to Transunion and they still have not removed the inquiries. 

I PREVIOUSLY FILED A COMPLAINT : XXXX Transunion 's response was that a dispute process had to be followed. 

I did all this previously and no action was taken by Transunion to delete the inquiries. File # XXXX in XXXX of 2019. 
A police report was filed, a fraud alert place on my credit report, and a case created with Transunion. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. 

According to the Fair Credit Reporting Act these inquiries are to be deleted immediately and you have failed to do so. 


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 non-monetary relief
Consumer complaint received 2020-03-12 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: TX

Complaint narrative:
information inaccurate on credit report. FTC violation. Must be removed does not belong to me. 

XXXX XX/XX/XXXX {$2800.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
information inaccurate on credit report. FTC violation. Must be removed does not belong to me. 

XXXX XX/XX/XXXX {$2800.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$99.00}

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 non-monetary relief
Consumer complaint received 2020-03-12 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:
information inaccurate on credit report. FTC violation. Must be removed does not belong to me. 

XXXX XX/XX/XXXX {$2800.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$99.00}

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 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I booked a ticket using my chase sapphire card on XX/XX/XXXX using the chase travel service for XX/XX/XXXX to travel from XXXX to XXXX. The country issues a travel ban on the XXXX and I have been trying to reach them since then i have been on hold for 6 hours today, XXXX hours yesterday and was hung up without being connected. Today I reached out to the dispute team to let them know what is happening and was told they cant dispute the charge as it has not been cancelled and gave me the same number to cancel which is not going through. XXXX can't cancel as this is a third party ticket even though they have a full refund policy for the tickets right now due to the COVID situation. And chase is not willing to help people in distress. No channel to reach out for escalations either. I spent {$2400.00} ( points+cash ) on the transaction the itinerary number is : XXXX. I am on extremely sensitive timelines and i still wasnt offered any relief, no helpline no email address for sending my concern nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation
State: FL

Complaint narrative:
Global Credit Collection Corp No. Account XXXX No Credit Card *******XXXX  Amount XXXX XXXX  XXXX/ XXXX credit Card This company is charging me a debt that is not mine, has personal information mine but I have never made purchases with this credit card,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: FL

Complaint narrative:
XX/XX/XXXX Three DEBT COLLECTION ATTEMPTS XXXX XXXX CREDITCARD. see EQUIFAX attatched. XX/XX/XXXX XXXX {$6.00}, XXXX limit balance {$0.00}. XX/XX/XXXX last reported. Date Closed IS BLANK STILL LEFT OPEN WITHOUT MY CONSENT OR KNOWLEDGE. ( 3 ) Three calls to collect today XX/XX/XXXX came from XXXX  XXXX HARRASSERS XXXX XXXX XXXX XXXX. XXXX  XXXX COLLECTION ATTEMPTS TO COLLECT DEBT NOT OWED. XXXX AT XXXX XXXX confirmed my social not even in her system. WHY WASN'T THIS CLOSED YEARS AGO? WHY IS XXXX XXXX REPORTING INCORRECT INFORMATION TO EQUIFAX? WHY ISN'T EQUIFAX RESOLVING?

Company response to consumer: Closed with explanation