vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am a consumer with us bancorp and I was trying to activate my VISA debt card  though XXXX XXXX  and what I was hearing from every rep on the phone they are allowed to activate their cards though email and text but as for me I am being treated unfairly how I do my debt card activation and putting a verbal password on my account so no ONE like a fraudster won't access my account though my personal information and getting my statements on my email when I get like my paycheck and what is my breakdown for the mouth but US Bank refuse to send my activation code to activate my VISA card though email refuse me to get my statements and refuse me to put a verbal password on my account for security and refuse me to access my account online on my XXXX XXXX to see what my account number is and I am not happy how us bank treat me as a consumer who does not know what I am doing on my account.

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 2018-05-20 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: MI

Complaint narrative:
I currently have a payment agreement with district courts in Michigan of {$40.00} a month with XXXX XXXX. They are reporting incorrectly that I have missed a payment and my balance has increase {$75.00} dollars and has listed this account as a collection account in the remarks when it is PAID AS AGREED. They have been paid each month as our agreement yet continues reporting inaccurately.

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 2018-05-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I currently have a payment agreement with district courts in Michigan of {$40.00} a month with XXXX XXXX. They are reporting incorrectly that I have missed a payment and my balance has increase {$75.00} dollars and has listed this account as a collection account in the remarks when it is PAID AS AGREED. They have been paid each month as our agreement yet continues reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: Receivables Management Partners, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX is falsely reporting information under two different reporting names ( XXXX XXXX XXXX and Rmpsvcs ) for one DUPLICATE account, that I owe {$490.00}. I do not owe this account and it is not mine. I am entitled to a fair and accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: MI

Complaint narrative:
XXXX XXXX XXXX  is falsely reporting information under two different reporting names ( XXXX XXXX XXXX and XXXX ) for one DUPLICATE account, that I owe {$490.00}. I do not owe this account and it is not mine. I am entitled to a fair and accurate credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 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: MI

Complaint narrative:
XXXX XXXX XXXX is falsely reporting information under two different reporting names ( XXXX XXXX XXXX and XXXX ) for one DUPLICATE account, that I owe {$490.00}. I do not owe this account and it is not mine. I am entitled to a fair and accurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX Dear Consumer Financial Protection Bureau, I am one of the first student loan holders who signed up for PSLF in XXXX. As a XXXX XXXX XXXX XXXX, after paying my loans for 10 years, my loans have been accruing interest and they are growing at an exponential rate. XXXX  XXXX is not counting at least 10 months of payments. My loans should be forgiven now, but if I have to pay them for another year the interest on my loans will have accrued another {$20000.00} to {$30000.00}. At this point they are up to {$150000.00}. Over the last three years, my loans have grown from {$110000.00}, to {$130000.00}, to {$150000.00}. What will they be in another year? I am aware that when my loans are finally forgiven, I will have to pay taxes on them as though they were income. 

The problem started when I went back to XXXX school in the fall of XXXX, when my loans were with XXXX. I did not take out more student loans, but instead charged my tuition to credit cards. When I enrolled in school, my student loans went into automatic forbearance. Once I discovered this, I called XXXX, cancelled the forbearance, and got them to flag my account so that it would not go into automatic forbearance every time I enrolled in a new semester. 

Then XXXX took over from XXXX, but unbeknownst to me, the flag on my account did not transfer. I continued to make my regular payments every month, but when I called to find out how many payments remained on my account, the clerk told me that the payments I made while my account was in automatic forbearance would not count. 

In the letter they sent me it says I only made three payments in the year from XX/XX/XXXX, however I made a payment every month the entire year. Then for some reason it says I only make 11 payments the following year. When I signed up for PSLF, I was told that I needed to make 120 payments. I have made 120 payments, but now I am told they dont all count. How could I have possibly known that? Please help me get all my payments counted. It will make a huge difference to the amount I will have to pay in taxes on this income that I will have never seen. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 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: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX continues to report that I owe {$8900.00} to XXXX. This is not my account and I do not owe this account. I have disputed this information several times. This company is violation the Fair Credit Reporting act and I am entitled to a fair and accurate credit report,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Services Association
State: SC

Complaint narrative:
Received an alert about a new collection account added to credit report XX/XX/XXXX that was not on report prior to then about collection on water bill that it said was placed in collection XX/XX/XXXX yet as stated earlier was not on credit report. I was not aware of this nor believe I owe this since I have never received any notification regarding this either via with a phone call or a letter. I moved out of the state in XX/XX/XXXX and put in a change of address yet still never received any notification forwarded to me. Never had opportunity to dispute or pay IF I really owed. Question required to proceed was company or collection agency who tried to contact you. I chose the collection agency on credit report even those they have not tried to contact me or I could not proceed with complaint since required field

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: MI

Complaint narrative:
XXXX XXXX continues to report that I owe {$8900.00} to XXXX. This is not my account and I do not owe this account. I have disputed this information several times. This company is violation the Fair Credit Reporting act and I am entitled to a fair and accurate credit report,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: MI

Complaint narrative:
XXXX XXXX continues to report that I owe {$8900.00} to XXXX. This is not my account and I do not owe this account. I have disputed this information several times. This company is violation the Fair Credit Reporting act and I am entitled to a fair and accurate credit report,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Just trying to access my files on a third-party app to help me with budgeting my expenses

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: SC

Complaint narrative:
I applied a gold delta skymiles credit card from American Express on XX/XX/XXXX. The offer is in 3 months spend XXXX  dollars will offer XXXX  skymiles points. Spend on delta air will give XXXX  dollars statement credit.

I spent XXXX dollars from XX/XX/XXXX to XX/XX/XXXX. And was waiting for the skymiles points, they didnt give me the points. Till XX/XX/XXXX I talked with the assistant online. They set up a case for me. After this, I asked and talked with them 4-5 times, they gave me same answer the case is investigating, wait till next statement. 
Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I am trying to reopen the previous CFPB claim : XXXX Citi resolved the problem last time and corrected their mistake to removed the records from my credit report. But Citi reported the wrong record to credit bureau again. 

This problem has ruined my credit for many years, during which Citi corrected their mistake twice after long-time communications. But Citi reported the mistake for the third time. 

I attached the result and their response last time, and my current credit report. 

I had a Citi credit card in XXXX. Citi charged me an annual fee in XXXX XXXX for the coming year so I closed my account. I was told by Citi that they would remove the fee because I have closed my account. However Citi did not removed the fee and did not sent me any communication and sent the balance to collection agency in XXXX. I started the dispute process in XX/XX/XXXX, and after many many communications, Citi admitted the mistake and agreed to write off the balance. Citi also told me to contact their CBR department to correct the credit report. I faxed the dispute to CBR in XXXX, XXXX. But Citi has not corrected the report up to now. I contacted them again in XX/XX/XXXX after I found out during my mortgage application. Citi is not correcting the error.

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 2018-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and Pressler, LLP of XXXX, NJ is a debt collector/law firm, they buy up credit card debt for pennies on the dollar and than file in superior court and have he constable serve you with out trying to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: BARCLAYS BANK DELAWARE
State: AK

Complaint narrative:
I pulled my credit due to a recent fraud situation and found several credit inquiries that I did not authorize. I wrote letters to the companies and did not ever get a response back. These are not my inquiries and they need to be removed from my credit report. It is negatively impacting my ability to get credit and I will seek legal action if it is not resolved immediately.

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 2018-05-20 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: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I pulled my credit due to a recent fraud situation and found several credit inquiries that I did not authorize. I wrote letters to the companies and did not ever get a response back. These are not my inquiries and they need to be removed from my credit report. It is negatively impacting my ability to get credit and I will seek legal action if it is not resolved immediately.

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 2018-05-20 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: CA

Complaint narrative:
My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to Experian, XXXX and XXXX, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing them

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 2018-05-20 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: CA

Complaint narrative:
My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to XXXX, Transunion and XXXX, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing them

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 2018-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to XXXX, XXXX  and Equifax, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 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: CA

Complaint narrative:
Sent disputes to all three credit bureaus, asking for accounts to be verified, on who they spoke to, name of the person. Did not verify with no one, just sent letter back that says verified, tried to disput again, continue to receive letters stating they will not reinvestigate, even though they never provided me the information

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 2018-05-20 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: CA

Complaint narrative:
Sent disputes to all three credit bureaus, asking for accounts to be verified, on who they spoke to, name of the person. Did not verify with no one, just sent letter back that says verified, tried to disput again, continue to receive letters stating they will not reinvestigate, even though they never provided me the information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: CA

Complaint narrative:
Sent disputes to all three credit bureaus, asking for accounts to be verified, on who they spoke to, name of the person. Did not verify with no one, just sent letter back that says verified, tried to disput again, continue to receive letters stating they will not reinvestigate, even though they never provided me the information

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 2018-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Wrote Chex system a letter to remove accounts that did not belong to me. Removed some accounts but left XXXX XXXX, which I never had a account with them. Said it was verified but never told me on who they spoke to, and not other information

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 2018-05-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On several occasions including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested Transunion send me copies of the original documents I signed with XXXX XXXX XXXX and XXXX XXXX. Under section 609 of the Fair Credit Reporting Act, I am to receive these items within 30 days or any disputed items is considered UNVERIFIED and must be deleted.

Transunion has never sent me any documents from any requests I have asked for. According to the FCRA, Transunion must have copies of all original documents in their files. At a consumer 's request, copies should be sent to the consumer within 30 days.

At this point Transunion has violated the FCRA and has not verified the above accounts and they should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: NJ

Complaint narrative:
have been trying to remove a {$14000.00} plus credit card from report that is not mine

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