vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 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: MN

Complaint narrative:
My payments more than doubled this year. I tried to set up a new payment plan that the FedLoan CSR said would save me {$100.00} but that was in XX/XX/XXXX and now it is XX/XX/XXXX and my payments have not gone down. 

I applied online and selected an option to pay {$5.00} in order to forbear my loan payments until the new Income Based / Contingent Repayment plan was processed. Unfortunately, that forebearance was never processed and my {$5.00} was never refunded. 

When I last spoke to FedLoan in XX/XX/XXXX, they said the IB/CR plan application was still pending. I don't understand how or why it should take that long let alone now going on 5 months! 

I was also unemployed for two months. FedLoan said they could lower my payment to {$0.00} while being unemployed. They never did this. 

FedLoan makes it very difficult to apply for new payment plans. They tell you that you have to apply with printed paperwork half the time! Sometimes they let you do it online but in my experience the application just waits and never processes! I've also noticed that the CSRs do not know all the details of the online applications or the repayment options because they tell you stuff that turns out no to be true. 

I need help asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Someone is using my information and has an bank of America account in my name and also doing fraudulent transactions

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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Attached below is proof that XXXX XXXX XXXX XXXX responded to the CFPB complaint and informed that they have contacted the bureaus to have this account and hard inquiries deleted from my credit report. XXXX has denied receiving the request from XXXX XXXX and neglect to delete unauthorized/ fraudulent accounts and hard inquiries disputed from my credit report or not even reviewing these serious matters.

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 2019-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a credit score of XXXX or better. A charge to a forgotten XXXX credit card was never billed for 3 months. My husband found the charge while making payments on another account. We were never notified about the original charge of {$10.00}, that ballooned to {$23.00} in 3 months. The charges were eventually dropped with XXXX, but the damage is done with my credit. 
I now have a XXXX score. That is not fair. I've worked very hard to maintain any and all of my accounts.

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 2019-06-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a credit score of 815 or better. A charge to a forgotten XXXX credit card was never billed for 3 months. My husband found the charge while making payments on another account. We were never notified about the original charge of {$10.00}, that ballooned to {$23.00} in 3 months. The charges were eventually dropped with XXXX, but the damage is done with my credit. 
I now have a XXXX score. That is not fair. I've worked very hard to maintain any and all of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: American First Finance, Inc.
State: SC

Complaint narrative:
My identity was stolen and I have no knowledge of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY 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 non-monetary relief
Consumer complaint received 2019-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
my certified mail has yet to get signed for ( see attachment ) I used the address on the XXXX XXXX report and it's not a good address per the history on the usps

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 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
There is a missing payroll check that the IRS is seeking-I am wondering if I cashed it because it's not on a statement. I get no response to calls and emails. My contact is 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 2019-06-04 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX ; Unknown : 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 non-monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Due to previous fraud and or my personal information being exposed. I am requesting for the information of my current Employer, to be removed from being visible on my credit report. This is not acceptable for my job employer to be exposed on my credit report. Please removed immediately from all 3 credit bureaus. As I observed when checking my credit report for unauthorized activity.

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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Due to previous fraud and or my personal information being exposed. I am requesting for the information of my current Employer, to be removed from being visible on my credit report. This is not acceptable for my job employer to be exposed on my credit report. Please removed immediately from all 3 credit bureaus. As I observed when checking my credit report for unauthorized activity.

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 2019-06-04 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: NJ

Complaint narrative:
I reached out to the credit bureau and they said it came from XXXX XXXX and then XXXX XXXX said that they don't have any record of the bko in their system

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 2019-06-04 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reached out to the credit bureau and they said it came from XXXX XXXX and then XXXX XXXX said that they don't have any record of the bko in their system

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 2019-06-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reached out to the credit bureau and they said it came from XXXX XXXX and then XXXX XXXX said that they don't have any record of the bko in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I applied for an Amex XXXX card last year around XX/XX/2018 under a promotional term to earn XXXX points after account opening and spending {$3000.00} in the first 90 days. I spent more than {$3000.00} during the first 90 days and confirm my promo eligiibility and spent thresholds with an Amex customer service rep via chat. The rep confirm my eligibility and meeting the spent requirements and I was assured to earn the bonus. I never received my bonus. I contacted Amex again on month 5 and a phone rep promised to perform the research and get back to me. I have never received a call, email or secured message from Amex. Eight months into my account, I open a secured chat line again to inquire about the prior two case submitted. A rep performed the review and said I am ineligible because I did not report my case on a timely basis and confirm that based on his review, I did spent over $ XXXX within the first 90 days but there is nothing he can do.. I am upset at the bait and switch tactic at American Express. I paid a {$95.00} annual fee for the benefits and bonus opportunity but was never able to realized it due to deceptive and misleading advertising by Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted several disputes to the 3 major credit bureaus ( XXXX, XXXX, and Transunion ), as well as the secondary company XXXX. I know that under the FCRA, they are to properly and thoroughly investigate any and all disputes. I have received a letter from XXXX stating that they DID NOT verify the account that I am disputing, a bankruptcy in California. This account was removed from XXXX records on XX/XX/2019. Yet, Transunion has sent me a letter marked XX/XX/2019 stating that they have verified this same account through XXXX, the same company that has removed this from my consumer record. I currently have a CFPB dispute against XXXX for the same reason. 

Transunion clearly states on their website that they use XXXX to verify public records. So if XXXX did not and could not verify this account, how did Transunion verify it if they use XXXX? 

This is a clear and present violation of my FCRA rights, and this shows that Transunion did not properly and thoroughly investigate and verify the disputed account in question.

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 2019-06-04 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: ID

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX ; XXXX  XXXX ; 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 2019-06-04 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: ID

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX XXXX ; XXXX 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 2019-06-04 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: AR

Complaint narrative:
I have attempted to resolve this issue with Experian for several months. Experian continues to violate the Fair Credit Reporting Act by reporting a bankruptcy on my credit report after they have failed to provide 100 % accurate verification. Experian has not provided who or what means of verification they received to continue to report this inaccurate information to my credit file. I spoke with the local courthouse and they informed me through letter that they did not report any information to consumer reporting agencies. This inaccurate reporting is causing a major hurdle to my current financial well being and I would like this matter resolved promptly.

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 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan! BOTH are FDCPA violations! 

Jefferson Capital put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. 

I called and asked for verification and proof that I was sent notification regarding this alleged debt and they were unwilling or couldnt verify it. I told them it was within my rights and was a FDCPA violation and XXXX said they didnt have to notify me or send me anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stuart-Lippman and Associates, Inc
State: CA

Complaint narrative:
This resulted from a Payroll dispute with a XXXX XXXX XXXX, in XXXX. 
I resigned from the agency in XXXX, and received my final paycheck. 
I was contacted by them 4 months later ( XXXX ) saying that I was paid too much, ( Overpaid ) and owed them {$340.00}. 
I disputed this with them, at the time, as my pay was correct and did not hear from them again. 
The agency that I worked for went out of business a short time later, and closed. 
Prior to closing, they sold this false debt claim to a collection company, ( Stuart Lippman & Associates XXXX XXXX XXXX XXXX # XXXX XXXX, Ariz XXXX XXXX ), who listed it on my credit report. 
I Disputed this Collection immediately with all 3 Credit reporting agencies. 
After investigating, XXXX and XXXX removed it from my record. XXXX  did not. 
They say they can't remove it, until Stuart Lippman & Associates retracts the claim. After seeing the numerous complaints on this  company from the XXXX, I avoided all contact with them. 
I have disputed this 3 times with XXXX, and just re-disputed it again. 

This act by XXXX XXXX was recently part of a CLASS ACTION Lawsuit against XXXX, of which I was a member, for their improper payroll practices to their employees. XXXX Settled that lawsuit, with thousands of their Agents, ( me included ). As a result, XXXX Paid me an additional {$420.00} in back pay owed to me, as settlement of the Class Action suit, in XXXX. 
Despite the settlement, Stuart Lippman & Associates kept the Collection on my file.

My original Agency can no longer be contacted, as they went out of business. 
This Erroneous/False collection claim has prevented me from making a major purchase, as it was the reason for my recent credit denial. 
I am seeking your assistance in removal of this from my record, as has already been done with the 2 other credit reporting agencies.

Company response to consumer: Closed with explanation