vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I purchased a vehicle from XXXX XXXX on XX/XX/XXXX with an extremely high interest rate which I assumed was due to my credit score. The vehicle was stolen on XX/XX/XXXX. The police found the car and returned to XXXX and they sold the vehicle. After the vehicle was sold, my Gap insurance kicked in and XXXX advised that vehicle was sold and I had to pay remaining balance. I reached out to Customer Care several times to settle balance and to inquire about the interest rate and was offered no assistance which is when I requested to speak to a manager. I was given the run around and was told several times that a manager would reach out to me and no one ever reached out.

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 2021-02-10 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: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX account # XXXX. My address is XXXX XXXX XXXX XXXX XXXX, Florida. On XX/XX/21, I contacted XXXX XXXX XXXX XXXX to advised the credit that the information reported to the credit bureau is not correct. The account had charge off and report an balance. Due to the fair credit reporting act companies are not allow to report charge off with an outstanding balance to the credit bureau.

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 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My account had multiple charges that I didnt authorize.Ive disputed these charges with my bank and the fees were not reversed.

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 2021-02-10 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: WA

Complaint narrative:
I am writing this statement to expunge the following information off of my profile. The items that I need expunged are already listed in the report. I'm a victim of identity theft and did not make these charges. I'm asking that these items be expunged so that my credit report can be up-to-date and correct. I've already reported to the Federal Trade Commission and printed out copies of my affidavit I would really appreciate it if these items get deleted expeditiously.

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 2021-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: NM

Complaint narrative:
I can not seem to lower my interest in payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
On XX/XX/2020 I requested a Validation of my debt with Arcadia Recovery Bureau and sent it on XX/XX/XXXX XXXX XXXX XXXX which they received on XX/XX/ 2020 at XXXXXXXX XXXX and sent them a XXXX letter on XXXX2020 which they also received on XX/XX/ 2020 at XXXX XXXX  and today is XXXX I have not received a single response from them. I requested a validation for the debt and also requested the HIPPA release in which to my knowledge a 3rd party collector is not suppose to have anything regarding medical records. I will send documentation and proof of everything I have sent to them but it's been over 4 months and I think this is negligence on their part to not respond letters. 

I have sent the 2 letters which I sent with both certified receipts and tracking numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company keeps on reporting false information on my credit report. They are claiming I owe a balance that I never had from the beginning. I have never done business or mad e an transaction with this company and yet they continue to report false information on my credit report. I have demanded them to remove the information that they reported. They refuse to send documents supporting them on why they are reporting false information on my credit report. At this point they are in violation of fair reporting credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -CAPITAL ONE BANK USA NA # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: WA

Complaint narrative:
Being charged for a XXXX debt on the other side of the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: IA

Complaint narrative:
So today, I pulled my consumer credit reports with XXXX and TransUnion and I immediately noticed a host of FCRA violations in regards to the DEPT OF ED/XXXX accounts being reported without my permission. Lets take a look at section 15 U.S. Code 1681 and see

what Congress has to say about this section : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings

: ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Now lets look at another section of the FCRA 15 U.S. Code 1681b and see whats being said in that section : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a Consumer, a couple things stood out. First I never provided written instructions as is required under 15 U.S. Code 1681b to any Consumer Reporting Agency to furnish my reports, and by doing so without that permissible purpose, you have damaged my reputation and infringed upon my right to privacy as a federally protected Consumer.

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 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I received a call from phone number XXXX on XX/XX/XXXX at XXXX CST. I did not answer. The person calling left me a voicemail stating his name was XXXX XXXX with XXXX XXXX XXXXXXXX and that he was calling about a pending judgment against me that was going to be filed with my county court clerk. 

I called back at XXXX and XXXX immediately answered. He tried to verify me by both my married name and my maiden name. I have not gone by my married name since XXXX. I asked him what this was concerning and he proceeded to tell me that there was a judgment against me for a credit card. I told him that I have never had a credit card with the company he mentioned. 

He proceeded to tell me that I did have a credit card with that company. I told him I did not and that I wanted proof that I owed this debt. He said he didn't have to prove anything to me and that all they had to do was prove it to the courts. I told him ( again ) that I wanted him to provide me with proof that I owed this debt and he said he would provide it to my lawyer. He then asked me if I had a lawyer. I told him no I did not have a lawyer because I believed XXXX was making false and bogus claims. He told me that he hoped I was right because I was going to get sued. I asked him when the card was supposedly opened and he said he didn't know. He again said that the county court clerk was going to get the judgment today ( XX/XX/XXXX ). I told him I would call the credit card company directly to find out what the debt was about to which he responded " good luck '' and hung up. 

I do not owe this debt. I have never had a card with the company he was referencing. When I asked for proof, I was denied. I looked up XXXX XXXX  XXXX. They have a website : https : /XXXX/ On the website there is no address for them. No description of who they are. 

I HAVE NEVER HAD A CREDIT CARD WITH THE COMPANY MENTIONED AND I DO NOT KNOW WHY I WAS THREATENED IN THE MANNER THAT XXXX XXXX WITH XXXX XXXX XXXX THREATENED ME. I WAS TRYING TO BE FAIR AND HONEST BY ASKING FOR MORE INFORMATION ABOUT THIS DEBT. I WAS REFUSED ANY TYPE OF INFORMATION, WRITTEN OR VERBALLY. HE DID NOT HAVE ANY INFORMATION TO PROVIDE ME. HE COULD NOT TELL ME WHEN THIS CARD WAS SUPPOSEDLY OPENED. AND HE WOULD NOT PROVIDE WRITTEN PROOF. HE THREATENED ME. ALSO, DEBT COLLECTORS ALWAYS STATE IN THEIR PHONE CALL " This is an attempt to collect a debt, and any information obtained will be used for that purpose. '' MINI-MIRANDA. THIS WAS NEVER STATED IN OUR COMMUNICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/20 {$800.00} unauthorized transaction through XXXX to XXXX found the name XXXX XXXX Contacted him through XXXX  and asked to send back money through his account and claimed he didnt know what I was talking about XXXX/XXXX/20 {$800.00} was transferred into my chase account while they did research Chase closed my account after denying my claim twice after I have called to dispute again. So hard to get copies of my statements. 

I do not have a record of ever disputing a payment. This was an unauthorized transaction. Im a XXXX  in california who lost their job. I would not be spending {$800.00} this is rent money to me. I would just like your help on getting this back so I can then cancel my account with Chase since their customer service and fraud protection was so poor. 
Thank you for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My identity has been misused and there are now fraudulent accounts reporting on my credit report. There is a credit card that has been maxed, a loan for a vehicle and a bunch of unauthorized inquiries. This is truly hindering and it is making my process to gain personal funding very difficult. This goes against the FCRA guidelines and I need these accounts removed from my credit report as soon as possible. I have submitted proper documentation to verify my identity along with the pdf file of my complaint through the FTC. The report number is # 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 2021-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have been repaying my student loans since I graduated in XXXX through the Income-Based Repayment Plan ( IBR ), which requires annual recertification and submission of documents to demonstrate my income, upon which my payment is re-calculated annually. My student loans are serviced by Nelnet and are due for re-certification on XX/XX/XXXX. I attempted to recertify on XX/XX/XXXX through their website, at which time I received a message that I was ineligible for the IBR and to call the servicer. I called and was told that my income is too high to qualify for the IBR and instead, I would need to start paying in a standard term repayment plan, which would cause my payments to be approximately {$1400.00} per month. They are currently {$280.00} per month and I can not afford an increase of more than {$1100.00} per month. Moreover, my income has not changed significantly to warrant such a high payment, and my eligibility should not have changed either, as the IBR only requires a partial financial hardship ( which a standard repayment amount would be ). I advised that this could not be correct and was placed on hold for a length of time so the person I was speaking with could confirm that what she told me was correct. After that time, she confirmed I was no longer eligible for the IBR but could articulate why, other than to say that my loans were no longer eligible but gave no explanation. I spoke with an account supervisor, who told me I was ineligible for IBR as well but that based on my income, my new payment amount would be approximately {$950.00}. He could not tell me why the amount was different or why my eligibility changed either, but then he re-ran the numbers, admitted me made an error in his calculation and that my new payment would be {$530.00} per month. During a 75 minute conversation, I was given three different payment amounts and no explanation for why I am no longer eligible for the IBR. I feel the information is incorrect and unsubstantiated but I do not know how to get good information or what to trust. I feel this is an annual occurrence with Nelnet and that they have no idea how to properly service my loans or provide accurate information. I am very concerned that they will deny my IBR re-certification, causing me to go into a standard payment plan that I can not afford and also causing my interest to capitalize, which happens if my payment plan changes. This will cause significant financial harm to me and my family if it happens and I am looking for help to deal with the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
I disputed this account with Aargon last month and I have received nothing from them at all. this is a violation of the FDCPA and FCRA. They have to send me information if I request it as they are reporting on MY CREDIT. PLEASE HELP 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 2021-02-10 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: GreenSky, LLC
State: CT

Complaint narrative:
I needed my bathroom fixed up so i asked for an estimate from XXXX XXXX XXXX XXXX XXXX and they came to my home gave me an estimate and i agreed to it. The person i dealt with was XXXX XXXX he told me they needed adeposit to hold the great discounted deal they were giving me. I gave him a deposit to hold my deal with the agknowlagement that i did not want the loan to go through until my mortgage refinance that i was trying to get at the time, went through. XXXX agreed he would not put the loan through until I got my mortgage Refinance. that was on XX/XX/2020. I kept having to delay the bathroom install because my refi was taking a long time. Fianlly I cancelled the check i gave XXXX because the refi process was takeing too long and i didnt know when I could get my bathroom done. When i called to cancel the job because of these circumstances they sent another gentleman, XXXX XXXX to my home on XX/XX/2020 because they insisted that they would wait as long as it took to keep my buisness. When XXXX XXXX came here i again gave him a deposit to keep my discounted bathroom deal and again insisted that the loan can not be put through intil my mortgage refinance was completed and XXXX XXXX agreed. The paperwork I signed was to hold my discounted deal and to see if I qaulified for the loan for the bathroom while i waited for my mortgage refi to go through. I was lead to believe this by XXXX XXXX. I now have a XXXX $ line of credit taken out by XXXX XXXX XXXXXX/XX/XXXX in my name for the cost of the bathroom. I did not even get my mortgage Refinance yet and now I have a XXXX $ loan on my credit report ; which has caused my credit to plumett and its making it even more difficult to get my home refinanced. I am currently in a adjustable rate mortgage and its going up.This underhanded manuver could cause me to lose my home. Please can anyone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Currently have a mortgage with amerihome which services loan for escrow payment of insurance and taxes. Amerihome montage company did not pay home owners insurance in a timely manner and my policy was cancelled.Escrow account at time of payment due had surplus funds covering this payment..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hello, I have sent multiple emails to Mastercard -XXXX XXXX  that the address listed in my file was incorrect and that I was not receiving billing information related to the Credit Card. In addition, during the Covid19 pandemic, I strategically did not use this card that has a XXXX credit limit because I did not want to be in debt because of the lost of income during the pandemic. 

However, Mastercard-XXXX XXXX reporting that I was late 30 days for the month of XXXX and 60 days late for the month of XXXX {$630.00}. The credit limit is {$15000.00} however they reported a late payment of {$630.00} although I have been an oustanding Client for 4 years.

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 2021-02-10 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: TX

Complaint narrative:
TransUnion says it has investigated the below dispute. XXXX says they charged-off XXXX on my credit report. This was a secured credit card of XXXX that they retained. Unknown and not communicated to me was the XXXX fee that they said I owed. After finding this out the fee was paid. This has been going on since XXXX. XXXX  will not return my calls. 

Please help, Thanks, XXXX XXXX Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Details Account Details Payment Status Account Number XXXX**** Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type revolving Loan Type SECURED CREDIT CARD Balance {$0.00} Original Amount {$1100.00} Original Charge-off {$1100.00} Credit Limit {$1000.00}

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