vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
Today XXXX, XXXX was the most recent date of contact from Hillcrest Davidson Associates in XXXX TX. I spoke with XXXX XXXX XXXX and a XXXX who both stated that they were managers. XXXX XXXX XXXX started using obscene language until I asked to speak with a manager. XXXX was very rude to me but did not use obscene language. I asked for them to stop before I ended the call. They refused to let me speak with anyone higher up nor anyone in customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: KS

Complaint narrative:
I attended XXXX University, XXXX, KS to receive my XXXX degree. I have been paying on my student loan since 2006. We were making our payments and expected that some of the money would be applied toward the principle of the loan. The loan service company kept increasing my payment amount. We kept making payments. I taught at a high risk school XXXX XXXX  for 5 years and applied for the loan forgiveness. This was never applied to my loan from my school district and they said my loan didn't qualify. A few years later, I got sick with XXXX and again the loan amounts kept increasing. We were trying to juggle payments of medical expenses with the expense of my school loan. I then asked for a forbearance time on the loan. At this time, we found out that no monies has ever been applied to the principle of the student loan. It is still the exact same amount that it was in 2006 when I started making payments to this loan. When I have asked them about why there is no money being paid to the principle they said the loan terms can not be changed. I told them that doesn't even make sense. When you apply for a car loan or house loan you pay interest and principle with gradual reduction of interest amount and more money being applied to the principle throughout the age of the loan. They said nope, that is not how this loan works. They have no intention of this loan ever being paid off. The only thing they are interested is the interest. They keep increasing the payments of interest. That is the only thing that keeps changing with the loan. I have told them I am not interested in making payments to them until they stop charging me interest and apply the money to the principle. I have previously paid off a student loan for my first degree and was paid off within a couple years. This is ridiculous. There will never be any resolve to this. Also, when the president proclaimed to stop interest on student loans, again their response was that my loan did not qualify and that I still need to keep making their outrageous payments. This loan is due to a XXXX  degree that I can no longer use. I am no longer able to teach due to XXXX treatments and health issues. I need some help due to my illness and also resolving the issue that all that money we paid for 15 years and the money my school district paid for loan forgiveness that was not applied to the loan. This is all fraud. This loan is through American Education Services. I feel they have been fraudulent and I have paid excessive interest amounts. This loan should have been paid off years ago if they had stuck to the original terms and percentages. They say the terms can not change, yet they have changed the terms to higher and higher percentages and no money has ever been applied to the principle. There are 2 parts to the loan. Loan 1, XXXX, {$11000.00} and Loan 2, XXXX, {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I NOTICED THAT AN ACCOUNT WAS REPORTED ON MY CREDIT FILE BY CONNS WITH THE PAST DUE AMOUNT OF XXXX OPENED IN XX/XX/XXXX. I HAVE INFORMED CONNS THAT THIS ACCOUNT DOES NOT BELONG TO ME AND IS A DIRECT RESULT OF IDENTITY THEFT YET THEY STILL REPORT ONTO THE MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called and chatted on multiple occasions. Most recent interaction XX/XX//2020. I was issued a credit due to a dispute. I received confirmation the dispute was resolved in my favor. Credit Card refusing to refund my money.

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 2020-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently applied for a credit card and notice that my Capital One Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my Capital One Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION SERVICES IS REPORTING A BALANCE OF {$670.00} ONTO MY CREDIT FILE THAT I AM NOT RESPONSIBLE FOR. THIS ACCOUNT IS A RESULT OF IDENTITY THEFT AND DO NOT BELONG TO ME. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX - Chase ( Marriot ) and Chase ( Amazon prime ) credit card.

I call these bank asking for help during Covid-19 hardship to ask for interest rate reduction or forgiven during pandemic and they totally refused even with escalation to managers.

According to Chase, the bank is offering Covid-19 " help '' for customers which are having hardship situations due to pandemic.

However their help is looks more like an scam where they offer to deffer the minimum payment for three months without fees, nor reporting to Credit report agencies.

To my family and I, this is not acceptable and incurred in more debt since they denied interest rate reduction or forgiven in order to avoid more debt.

The scam is pretty simple, if customer don't pay the minimum payment and the bank charge interest over interest, any customer will in trouble worse than before.

This is unacceptable during Covid-19 pandemic specially knowing that banks such as XXXX XXXX and others offers better HELP by not charging fees and zero interest rate during families hardship than this Chase bank scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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:
YOUR COMPANY is continuing to report fraudulent accounts on to my credit file that they maintain. XXXX  with a past due amount of {$670.00} opened XX/XX/XXXX and XXXX XXXX XXXX opened XX/XX/XXXX with a past due amount of {$670.00} do not belong to me. I am a victim of identity theft and these account are a result of such.

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 2020-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I have ask Midland Credit Management for Debt validation and they have yet to show me any proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16 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:
YOUR COMPANY is continuing to report fraudulent accounts on to my credit file that they maintain. XXXX with a past due amount of {$670.00} opened XX/XX/XXXX and XXXX XXXX XXXX opened XX/XX/XXXX with a past due amount of {$670.00} do not belong to me. I am a victim of identity theft and these account are a result of such.

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 2020-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently applied for a credit card and notice that my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.

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 2020-05-16 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: GA

Complaint narrative:
I recently applied for a credit card and notice that my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my XXXX XXXX Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently applied for a credit card and notice that my XXXX XXXX Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.

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 2020-05-16 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: CA

Complaint narrative:
I submitted an identity theft and police report to XXXX, XXXX   and Equifax and they still have not processed anything. I am a victim of identity theft and there is a XXXX XXXX loan and a XXXX XXXX credit card that do not belong to me showing on my report. Please help me remove these items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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 submitted an identity theft and police report to XXXX, Transunion and XXXX  and they still have not processed anything. I am a victim of identity theft and there is a XXXX XXXX loan and a XXXX XXXX credit card that do not belong to me showing on my report. Please help me remove these items off my report.

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 2020-05-16 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 submitted an identity theft and police report to Experian, XXXX  and XXXX  and they still have not processed anything. I am a victim of identity theft and there is a XXXX XXXX loan and a XXXX XXXX credit card that do not belong to me showing on my report. Please help me remove these items off my report.

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 2020-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I was trying to transfer money through XXXX from my TD account to my daughters XXXX XXXX account. Due to an error with regard to an email address, the money in the amount of {$500.00} was diverted to a XXXX XXXX account which can not be accessed. Within minutes I called TD Bank who said there was nothing they could do and the money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: FL

Complaint narrative:
Credit breau keep reporting old child support that is still in litigation since 2016 I do not owe this debt this debt is not settled in the Court of law. I did not sign a contract with Child Support and they can not produce anything with my signature stating that I'm responsible for such debt. Futhermore this debt was obtained by Fraud for I was not present when this debt occured. The Children that this debt is based upon are not my kids and I haven't neither do I attend to take responsibility for kids that are not mine. If this credit reporting agency continues to report this inaccurate information on my credit report I will be forced to take the next stept which is file a law suite in Federal Court because they are violating the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-16 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2020 I applied for an auto refinance with Ally. I was approved for the loan on XX/XX/2020, and I received approval email communications from " XXXX '' and " Ally '', along with welcome documents from Ally in the mail the following week. I also received the monthly statement and payment coupon from Ally for my first payment, and I made the first payment already ( it was mailed in check # XXXX ).  On XX/XX/XXXX, I received a letter from Ally saying that they cant do loan as agreed because they were unable to verify my vehicle 's mileage. This is absolutely false - I feel this is just a " Bait & Switch '' tactic on their part, and the vehicle mileage is just an excuse.Please see below regarding mileage verification : 1 ) During the loan application process, I uploaded an image of my vehicle odometer to the loan portal. This image was taken on the same day as the loan application, and it has a date and time stamp on it. The loan agent ( XXXX XXXX ) also viewed the mileage image I had submitted and said it was acceptable. 

2 ) During the loan document signing process, I signed a DMV mileage verification form, certifying that the mileage stated is correct. This form carries legal consequences if the mileage information stated is false. I would never risk legal issues with the State of CA, by misstating my vehicles mileage. 

As Ive already provided Ally an image of the odometer, and well as signing a legal California DMV document verifying the mileage is correct, Im unsure as to what exactly Ally needs to verify vehicle mileage. And if verifying the mileage really was an issue, why would it come up nearly 4 weeks after the loan was approved, and Ive already made my first payment? I feel this has nothing to do with being unable to verify my cars mileage. It is just a bait and switch tactic on the lenders parts. At this point, the loan is not showing up on my credit report, and the previous lender for my vehicle has been paid off. My car and loan are in complete limbo. Please help. Thank you in advance for your 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 2020-05-16 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:
On XX/XX/2020 I applied for small business loan but was only approved for a small amount because of negative accounts on my credit report. These accounts don't even belong to me and I've already tried clearing it up with the bureaus and the companies directly. They verify they are inaccurate and tell me they will be removed in their next billing cycle but nothing has been done yet. This is a huge setback for me as a small XXXX XXXX with XXXX XXXX. I  need these removed instantly so I can reapply for relief funding to save my business. The accounts that do not belong to me are XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX  XXXX XXXX   XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/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 2020-05-16 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX  XXXX XXXX   XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX

Company response to consumer: Closed with explanation