vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-29 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: Ditech Financial LLC
State: CA

Complaint narrative:
DiTech is reported late months eventhough we went through a Chapter XXXX bankruptcy. They have not removed any of the items from the chapter XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : have made. It is the result of identity theft. 
XXXX XXXX XXXX OPEN XXXX {$2400.00} XXXX XXXX XXXX OPEN XXXX {$4300.00} XXXX XXXX OPEN XXXX {$260.00} XXXX XXXX OPEN XXXX {$660.00} XXXX XXXX OPENS XXXX {$1000.00} XXXX XXXX XXXX OPEN XXXX {$1000.00} XXXX XXXX OPEN XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX  XXXX is a result of identity theft there are multiple accounts attached totaling three ( 3 ) accounts. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX as well as XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp
State: NV

Complaint narrative:
I took out and repaid a loan more than two years ago. Lending Club won't stop mailing me offers for new loans. I've emailed their unsubscribe email they include on their mail offers, but that has done nothing to dissuade them. I don't want anymore loans, nor anymore mail from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for this card using the promotional flyer issued in flight that clearly states there is no annual fee in the 1st year. Also it comes with XXXX mile once a transaction is made within 30 days. I fulfilled both, yet I see {$99.00} annual fee assessed and no XXXX mile given to my account. I called 2 weeks before upon seeing this 2 weeks ago and I was told it will be taken care. Two weeks passed and I see the statement still showing the annual fee assessed and no XXXX miles issued to my plan. Hence I called today and spoke to the same customer service agent and she says there is change is in terms in XX/XX/2020 that voids both of these promotions. This is cheating the customer and is fraud. Upon raising this she said, there no promotional code applied which is a lie, I used the code that was had written in the flyer. The card was issued before the terms were changed hence it should not be applied. Even if you were to apply the change in terms after the card was issued when the promotion was in effect, the customer should be given the choice to walk away due to this cheating practice or due to the falsified promotion you offered. I asked that the account be closed, and no annual fee be assessed. You denied that request also and stated the annual fee will still be assessed. I will be raising this as complaint to the federal trades commissioner also shortly.

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 2020-02-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Texas Guaranteed
State: VA

Complaint narrative:
Consumer complaint narrative I received a letter from the Trellis Company on XX/XX/XXXX claiming that I owe { {$18000.00} }. They went on further to say that I defaulted on this obligation ( I dont owe them ) I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe { {$18000.00} ) and they will garnish my wages to resolve the issue, which is Not right. I had my loan From Virginia Bankruptcy Court XXXX Dischrged, XX/XX/XXXX which The company was XXXX. Plus XXXX  did not show up in court in XX/XX/XXXXfor the {$10000.00} loan so Judge GRANTED me FULL DISCHARGE OF CHAPTER XXXX liquidation of Assets to me. 

Now, 5 years later I get letter from these Trellis Company and wage garnishment to XXXX XXXX in XXXX Va to garnish my wages and didnt say what date the loan was I had with them Trellis ( I have no loan with them ). This money laundering and target consumers of bankruptcy is illegal. I am a single mom and have no money, to go after these thugs,. Please help. Virginia Bankruptcy Court of XXXX said loan was discharged and trellis isnt named on court papers so they are threatening me and my company. 

What Trellis sent to XXXX is some made up number, and There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: KS

Complaint narrative:
In XXXX of 2017, I was stated to have missed 11 student loan payments because I had 11 different student loans from them at the time. It was stated that all 11 payments were 90-119 days late. This is not true. XXXX operates in a way that you pay a certain amount each month which THEY, not the individual making the payment, spread across the various loans that you have. That means that I only missed the 1 payment and not 11 separate payments. It also does not add up that the " 11 payments '' were all that late considering that every months payment after that was perfectly on time so I would not have had anything left to catch up on. I have contacted XXXX and they had me file a dispute but the dispute simply said that they found nothing incorrect. After calling them multiple other times, they then said that the issue was with the credit reporting agencies. I tried to contact XXXX, XXXX, and Experian to see what they can do but I have yet to get any answers about what can be done.

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 2020-02-29 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: SC

Complaint narrative:
I do not want a fraud alert, that only hurts the consumer and doesn't protect against anything. 
Three months ago I contacted Equifax, XXXX, and XXXX   concerning unauthorized inquiries, that stem from someone usage or attempted usage from the compromised social security number instituted from the dark web, no accounts were opened but inquiries were listed, Equifax upon contact agreed to remove the ninety one inquiries on Equifax, sixty eight on XXXX, and 51 on XXXX   subject to that correspondence, as of this date, they haven't removed a thing, I just want them to honor their statement and remove the ninety one subjected inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AZ

Complaint narrative:
In XXXX of XXXX I paid my XXXX mortgage paymet payment via phone and payment was confirmed verbally by an employee on the phone. Two weeks later the money was still in my bank account so, I phoned PRMI to find out what happened. They stated that the routing number of my check by phone had been transposed wrong and they verbalized their error and were unable to take my payment by phone at that time as my payment was now late. I attempted to speak to corporate to try to resolve the issue and get back on track however ; they hung up on me. I later paid it through my XXXX account as I usually do and they reported me to the credit bureau for their mistake. I am concerned about a mortgage company not being up to date on routing numbers and this proves that their billing practices need improvement as we know routing numbers are common knowledge and this should not have even happened in the first place. I am again having issues with PRMI as I made my XX/XX/XXXX payment through my XXXX  bill pay and the did not accept payment. I phoned XXXX  and I have a proof of payment and their decline of my payment. How can a mortgage company refuse payments? I am concerned as they are affecting my credit by not accepting my payment and then reporting me to the credit bureau this is unfair and very concerning.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: SC

Complaint narrative:
I do not want a fraud alert, that only hurts the consumer and doesn't protect against anything. 
Three months ago I contacted XXXX, Experian, and Transunion concerning unauthorized inquiries, that stem from someone usage or attempted usage from the compromised social security number instituted from the dark web, no accounts were opened but inquiries were listed, XXXX  upon contact agreed to remove the ninety one inquiries on XXXX, sixty eight on Experian, and 51 on XXXX   subject to that correspondence, as of this date, they haven't removed a thing, I just want them to honor their statement and remove the ninety one subjected inquiries.

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 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
It appears XXXX put my account in collections. They used Southwest Credit Systems to make a collection. I never knew about or received any notification about the {$130.00} owed. I would have paid it once i knew about hte payment. I did pay it this month when i first found out about this payment directly to Southwest Credit Systems. However, this has negatively affected my credit report and i am looking to purchase a home in the next couple of months. I would like to request that XXXX and or Southwest Credit Systems to take this off my credit report for all 3 major credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: U.S. BANCORP
State: OR

Complaint narrative:
I spoke with Supervisor XXXX in card services on XX/XX/XXXX. He explained that if I paid {$13.00} to bring my account to {$400.00}, the savings account that had {$400.00} would be transferred and the card and the account would be closed. On XX/XX/XXXX20 I go into into a branch to find out that the account isn't closed, I'm given an 800 number to call. I called the number and the rep transferred me to XXXX also a supervisor in card services. He explains the card and account will not be closed until after I pay {$400.00} and then wait until after XX/XX/XXXX so I have to pay the interest on a cash advance of {$50.00} ( plus a {$10.00} fee ) that was done in XXXX. After all this is done the account will be closed and the {$400.00} will be mailed to me. The issue I have is ; I did what I was told by XXXX in good faith and now the new supervisor is unwilling to follow the commitment in good faith that I understood.

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 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/2020 XXXX  report a " hard pull '' from Citibank Na. This  was not initiated by me. I submitted a dispute with XXXX. 

I wrote to Citibank informing them I had not applied for a credit card. No acknowledgement of my letter has been received. 

Today I received notice from XXXX  that a credit card had been opened in my name.

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 2020-02-29 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-02-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ACS Education Services
State: VA

Complaint narrative:
Consumer complaint narrative I received a letter from the XXXX XXXX on XXXX claiming that I owe { {$18000.00} }. They went on further to say that I defaulted on this obligation ( I dont owe them ) I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe { {$18000.00} ) and they will garnish my wages to resolve the issue, which is Not right. I had my loan From Virginia Bankruptcy Court XXXX Dischrged, XX/XX/ which The company was ACS. Plus ACS did not show up in court in XXXX  for the {$10000.00} loan so Judge GRANTED me FULL DISCHARGE OF CHAPTER XXXX liquidation of Assets to me. 

Now, 5 years later I get letter from these XXXX XXXX and wage garnishment to XXXX XXXX in XXXX Va to garnish my wages and didnt say what date the loan was I had with them XXXX ( I have no loan with them ). This money laundering and target consumers of bankruptcy is illegal. I am a single mom and have no money, to go after these thugs,. Please help. Virginia Bankruptcy Court of XXXX said loan was discharged and XXXX isnt named on court papers so they are threatening me and my company. 

What XXXX sent to XXXX is some made up number, and There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: GA

Complaint narrative:
After reviewing my XXXX  Credit Report my account status displays as closed with an error in number sequencing with late payments the account is satisfied the company stated once paid the tradeline will be removed the update status is XX/XX/2020, according to the FDRA the tradeline is compromising my payment history is reporting illegally compromising my credit score affecting my creditworthiness which interferes with obtaining and establishing ongoing credit.

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 2020-02-29 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: GA

Complaint narrative:
After reviewing my XXXX  Credit Report my account status displays as closed with an error in number sequencing with late payments the account is satisfied the company stated once paid the tradeline will be removed the update status is XX/XX/2020, according to the FDRA the tradeline is compromising my payment history is reporting illegally compromising my credit score affecting my creditworthiness which interferes with obtaining and establishing ongoing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
RE ; Experian Credit Report I have had several Unauthorized Credit inquiries and have contacted Experian and The Creditors Via Phone and US Mail To No Avail they have not corrected the situation and I'm reaching out to get help with this matter. 

Unauthorized Credit Inquiries List Below : XXXX XXXX XXXXl XX/XX/2019 XXXX XXXX/XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX I would Like a Copy of My Authorized OK to Pull my credit. 

Thank you 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 2020-02-29 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: KS

Complaint narrative:
In XXXX of 2017, I was stated to have missed 11 student loan payments because I had 11 different student loans from them at the time. It was stated that all 11 payments were 90-119 days late. This is not true. XXXX operates in a way that you pay a certain amount each month which THEY, not the individual making the payment, spread across the various loans that you have. That means that I only missed the 1 payment and not 11 separate payments. It also does not add up that the " 11 payments '' were all that late considering that every months payment after that was perfectly on time so I would not have had anything left to catch up on. I have contacted XXXX and they had me file a dispute but the dispute simply said that they found nothing incorrect. After calling them multiple other times, they then said that the issue was with the credit reporting agencies. I tried to contact XXXX, Transunion, and XXXX  to see what they can do but I have yet to get any answers about what can be done.

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 2020-02-29 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: KS

Complaint narrative:
In XXXX of 2017, I was stated to have missed 11 student loan payments because I had 11 different student loans from them at the time. It was stated that all 11 payments were 90-119 days late. This is not true. XXXX operates in a way that you pay a certain amount each month which THEY, not the individual making the payment, spread across the various loans that you have. That means that I only missed the 1 payment and not 11 separate payments. It also does not add up that the " 11 payments '' were all that late considering that every months payment after that was perfectly on time so I would not have had anything left to catch up on. I have contacted XXXX and they had me file a dispute but the dispute simply said that they found nothing incorrect. After calling them multiple other times, they then said that the issue was with the credit reporting agencies. I tried to contact Equifax, XXXX, and XXXX  to see what they can do but I have yet to get any answers about what can be done.

Company response to consumer: Closed with explanation