vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: IL

Complaint narrative:
I was told that I needed to sign up with the company for a loan forgiveness plan. I have been paying the company American Financial Benefits Center since XXXX and none of the money paid went to paying off my loans as I was told it was. XX/XX/XXXX until XXXX of XXXX I have been paying {$99.00} to AFBC for nothing. The first 9 months of the plan I was paying them {$190.00}, totaling in about {$4500.00} I have paid to the company for absolutely nothing.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Credit inquiry on report that i do not recognize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: VA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX/XXXX  XXXX which has been deleted by XXXX   and XXXX  . XXXX  and XXXX  have both completed their research and determined that XXXX/XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account USAA FSB XXXX which has been deleted by XXXX and XXXX . XXXX  and XXXX  have both completed their research and determined that USAA FSB was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It Many Concern : I bank with Wells Fargo. It appears I do not have any problem with any account being paid except my XXXX account. I go to XXXX at the beginning of each month, and schedule the payment. When I am finished with XXXX, I go to my account online with Wells Fargo, and it has come into my account, and it is a pending charge waiting to be paid. The amount is subtracted and shows waiting for the next days end. When I check it a couple of days later, it is not there, it has been removed, the pending is gone, and the money returned. After seven days, all of a sudden, the bill is in and it has been taken out. This has been going on for a year now. This month I did not check it, and it cost me because they did not pay it when it came in. They deleted it and returned the money. There is something wrong with this. 

Sincerely, 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 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: IN

Complaint narrative:
I have tried multiple times to contact optimum outcomes for the incorrect information on my XXXX, XXXX and XXXX credit reports. I want the information fixed it is hurting my ability to apply for new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Chapter XXXX Bankruptcy was filed XX/XX/2011. It should also be removed from my credit report either way as enough time has passed per the law that it should no longer show up on my credit report and give me a negative rating.

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 2019-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was balance billed for a medical bill and was told that all prices would be for in-network pricing. Date opened was XX/XX/XXXX and was reported on XX/XX/XXXX. I settled the price with the medical office and they still sent my information to collections. The name of the debt collection office is Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Credit inquiries that i do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I currently have XXXX American Express Membership Rewards points that are frozen. I called and inquired about my account on XX/XX/XXXX, and was told by a customer service representative that I was under a spend review, which subsequently locked my ability to transfer points to an airline or hotel partner. It seemed to occur after I had initiated a transfer to XXXX XXXX in the order of XXXX or so points. On the phone, the representative assured me that the process would take between 8-10 weeks, which is absolutely ridiculous for a consumer facing company with ample resources. On XX/XX/XXXX, I attempted to perform a rewards point transfer and was again denied. After calling in again to find out what the issue was, I had no resolution until I escalated to a supervisor. However, my issue is still unresolved and my points are unusable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase bank advertises several credit cards offering rewards mileage promotions. They unceasingly target and lure the customer. 

Then the cards take several hours over several days or weeks to obtain with unceasing and repetitive questions about credit or your address or other info, that is submitted to chase 6 or 7 times to even obtain the card. This has required hours in person at the bank, online, and on the phone- they want to torture you before issuing the rewards earning credit cards. 

Now with the cards in hand, I have ''rewards points '' I am trying to redeem for air travel. For the past 3 days chase.com has given several error messages and will not redeem any rewards points ''please try again later ''. Meanwhile, the ticket prices go higher and higher. 

On phone today, the chase agent was incompetent, lethargic and abusive and could not process the request timely. She said she has no record of any attempt, another defect in chase.com rewards system, if so. 

THUS, I was lured into wasting hours of my time to obtain the credit cards which earn air mileage rewards. Now, I can not redeem without wasting another five or six hours. 

The whole thing by chase.com is a XXXX of the public with the sky mileage scheme, they never intend to allow redemptions or will allow only with many hours of effort by the consumer. This is consumer fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CA

Complaint narrative:
Credit inquiries that i do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit inquiry on credit reports that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: MI

Complaint narrative:
I applied for a small loan for under {$1000.00}. I was approved for {$700.00} from XXXX XXXX XXXX I was not told that there was an interest rate of 780 % before accepting the loan. I received the loan on XX/XX/XXXX, the loan balance has increased to {$910.00} as of XX/XX/XXXX. The first due date is XX/XX/XXXX in the amount of {$240.00}, and the second payment is due on XX/XX/XXXX for {$230.00}. In the span of the loan, it will cost {$2900.00} with payments due every 15 days. This clearly is not affordable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit inquiry on credit reports that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank will not let me change my address and phone number. I have attempted to change it on the web sites and it won't work. I have been on the phone with them for hours and they won't change it. 

They gave me a website to go to to verify my information ( XXXX ) and it won't work. I wasted 2 hours trying to get it to work and shot 60 videos to upload ( did not work ). 

The manager told me my emails were no good, my telephone numbers were no good and that I had to send in copies of a state id, passport, social security card, a local bill etc. 

Then the manager said my address was not listed in the three credit bureau files ( a lie ). I have copies from all three credit bureau files and the address has been changed since XX/XX/2018. 

I have never had such a difficult and aggravating time changing an address as this company has made it. I have on three occasions  attempted to change the address and phone number only to be denied the right to do so. This is unacceptable and unprofessional.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I contacted Portfolio Recovery ( PR ) about the Date of first delinquency ( DOFD ). PR respond as stated that the DOFD was XXXX XXXX. PRA states that I did not notify them about the discrepancy. Enclosed is a copy of the certified letter PRA received. Below is PRA response to CFPB. PR reports the DOFD to XXXX  as XX/XX/2012. The DOFD is inaccurate. PR is in violation of my reporting rights. 
PRA STATED -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PRA has no record of a response or a dispute being received in relation to its initial notification letter. PRA furnished information relating to your account to the consumer reporting agencies in accordance with industry guidelines including but not limited to the date of first delinquency which was XX/XX/2012. 

Evidence : I am enclosing evidence from XXXX XXXX ( Original Debtor ) the records reveals the DOFD was XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: NY

Complaint narrative:
I went to my bank to get a loan for XXXX school and was declined. I have been with XXXX XXXX for 10 years and they still denied me because of items on my credit that are not mine. Im asking that you remove those items. This is holding me up from getting a loan for school. XXXX XXXX, The XXXX XXXX XXXX XXXX, XXXX XXXX  ( its two of those ), XXXX XXXX and XXXX XXXX. I also saw some addresses that I have never lived at. My only address is XXXX XXXX XXXX, XXXX NY XXXX. Please also remove these addresses as they are not mine:XXXX  XXXX XXXX, XXXX , SC XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX , XXXX, GA XXXX. There is also a bankruptcy showing on my credit and Im not sure how that is possible, I have never filed for bankruptcy. My family dont believe in unpaid debts. Please have this bankruptcy removed as well. I spoke with US Bankruptcy court and they do not show a record of bankruptcy under my social. The Bankruptcy attorney advised me to contact XXXX   XXXX  and they also verified that I do not have a bankruptcy. I'm doing this on my own behalf and need your assistance if possible. I have also contacted the police here in XXXX and the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: NY

Complaint narrative:
I went to my bank to get a loan for XXXX school and was declined. I have been with XXXX XXXX for 10 years and they still denied me because of items on my credit that are not mine. Im asking that you remove those items. This is holding me up from getting a loan for school. XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ( its two of those ), XXXX XXXX and XXXX XXXX. I also saw some addresses that I have never lived at. My only address is XXXX XXXX XXXX, XXXX NY XXXX. Please also remove these addresses as they are not mine:XXXX XXXX XXXX, XXXX , SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX , XXXX, GA XXXX. There is also a bankruptcy showing on my credit and Im not sure how that is possible, I have never filed for bankruptcy. My family dont believe in unpaid debts. Please have this bankruptcy removed as well. I spoke with US Bankruptcy court and they do not show a record of bankruptcy under my social. The Bankruptcy attorney advised me to contact XXXX   XXXX  and they also verified that I do not have a bankruptcy. I'm doing this on my own behalf and need your assistance if possible. I have also contacted the police here in XXXX and the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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 went to my bank to get a loan for XXXX school and was declined. I have been with XXXX XXXX for 10 years and they still denied me because of items on my credit that are not mine. Im asking that you remove those items. This is holding me up from getting a loan for school. XXXX XXXX, The XXXX XXXX XXXX XXXX, XXXX XXXX ( its two of those ), XXXX XXXX   and XXXX XXXX. I also saw some addresses that I have never lived at. My only address is XXXX XXXX XXXX, XXXX NY XXXX. Please also remove these addresses as they are not XXXX XXXX XXXX, XXXX , SC XXXXXXXX,XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX-XXXX,XXXX XXXX XXXX , XXXX, GA XXXX. There is also a bankruptcy showing on my credit and Im not sure how that is possible, I have never filed for bankruptcy. My family dont believe in unpaid debts. Please have this bankruptcy removed as well. I spoke with US Bankruptcy court and they do not show a record of bankruptcy under my social. The Bankruptcy attorney advised me to contact XXXX XXXX and they also verified that I do not have a bankruptcy. I'm doing this on my own behalf and need your assistance if possible. I have also contacted the police here in XXXX and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: WA

Complaint narrative:
I attempted to file a dispute with Transunion and XXXX about an item on my credit file showing incorrect dates that affects the time limits as to how long the debt remains on my credit report. The collections account in question shows the wrong first date of delinquency which in turns allows for the item to remain on my credit report for a total of 9-years. I have records I received from the collection agency that shows the last day of payment on the account being XX/XX/XXXX and no subsequent payments made on the account thereafter. After the account was past due for 30-days no other payments were made on the account which would have put the date of first delinquency at XX/XX/XXXX. Transunion and XXXX has listed the date of first delinquency as XX/XX/XXXX, which is incorrect. This date is exactly 2-years after the correct date of first delinquency. Attempts to provide evidence for this has not worked as Transunion and XXXX  does not allow me to upload supporting documentation on their website. I attempted to dispute this information after receiving my free credit report from the website XXXX and transunion and XXXX has refused to let me dispute the collections account and instead made me pay for their service which costs {$19.00}. After purchasing their credit monitoring service to file a dispute, I am still not allowed to file a dispute with supporting documentation. The incorrect information concerning the first date of delinquency remains on my credit report with Transunion and XXXX. The collections account in question should be removed from my credit file on XX/XX/XXXX not XX/XX/XXXX. 

XXXX XXXX XXXX intentionally supplied the credit reporting agency with false information in order to extend the date of the debt on my credit file. This activity is fraudulent and in violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: ID Analytics, Inc.
State: IL

Complaint narrative:
I received a denial letter on XXXX XXXX, 2019, from XXXX XXXX for a car loan, due to information supplied by XXXX credit reporting bureau. The credit score they supplied for me was 70 points below the other 3 reporting agencies. My husband 's score was 110 points lower than the other 3 agencies. I have no idea who this company is or how they are authorized to report on my credit status. From the information I have XXXX XXXX is the only Bank using this company. They are definitely not using the industry standard for Credt Scores. They have made up their own numbers ( XXXX ) and they are affecting my credit score and my ability to get credit. They also listed something about not having my phone number long enough. I have had the same phone number for 40 years. How can I stop them from lowering my credit score that we have worked the last 40 years to establish?

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