vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The dealers here XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are doing frauds theyre sending false advertising The XXXX credit cards XXXX XXXX XXXX are calling asking your social security number fake wed page with fake numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OR

Complaint narrative:
CFPB reference number XXXX Have no option to use US Bank NATO Bill pay account from USA Treasury pay.gov with reference company ID There is also a reference DUNS Number for all my VISA Cards

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 2019-05-07 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:
I have contacted Experian several times about having " XXXX '' removed from my credit report. The debt was paid and has been removed from the other two creditors. It has been seven years and now should be removed. They refuse to remove. I would like the item removed.

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 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
All of the credit reporting agencies ( XXXX, XXXX, XXXX  ) except TransUnion have removed a student loan that was full of fraud until it was finally approved for XXXX Discharge in 2013 and closed. TransUnion refuses to delete or remove the loan. They also continue to re-post a phone number disconnected 3 years ago. 

How can I get TransUnion to remove the student loan, an old disconnected phone number, and old addresses? All of the other credit reporting agencies have done this voluntarily.

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 2019-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
They offer me to erase the loan because was paid in the court because the XXXX XXXX XXXX XXXX was paid the loans of students because they have a lawsuit and theyre erasing the loan for the student I received the offers to remove that loan but was not removed theyre taking the loan in other federal account loans please remove that loan they offer me that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: MO

Complaint narrative:
I'm demanding that the 3 major credit bureaus either provide me with some type of signed contract with these companies they are reporting on my credit files, or block, remove / delete them immediately and permanently. During my incarceration it seems that my identity has been compromised and therefore I'm asking for these accounts to be removed, # 1 XXXX XXXX {$290.00}, # 2 XXXX XXXX XXXX {$250.00}, # 3 XXXX XXXX, # 4 XXXX XXXX  {$530.00}

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
Consumer complaint received 2019-05-07 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: MO

Complaint narrative:
I'm demanding that the 3 major credit bureaus either provide me with some type of signed contract with these companies they are reporting on my credit files, or block, remove / delete them immediately and permanently. During my XXXX it seems that my identity has been compromised and therefore I'm asking for these accounts to be removed, # 1 XXXX XXXX {$290.00}, # 2 XXXX XXXX XXXX {$250.00}, # 3 XXXX XXXX, # 4 XXXX XXXX   {$530.00}

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 non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
CFPB reference number XXXX Have no option to use Wells Fargo NATO Bill pay account from USA Treasury pay.gov with reference company ID and DUNS Number

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 2019-05-07 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: MO

Complaint narrative:
There's unknown accounts on my report inwhich is unknown to me. These accounts has to belong to someone with a similar name to mines, and the fact that I'm a XXXX this could be the possible reason for the mistake. Or although it has no association to me whatsoever. So with all respect I'm demanding that these frivolous fraudulently accounts be taking off my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 )  XXXX XXXX {$230.00}

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
Consumer complaint received 2019-05-07 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX engaged in an act of consumer fraud, attempting to sell my wife and I services on the basis of information that was not factual. When I attempted to reconcile the issue with XXXX, I was repeatedly told the issue was resolved when in fact it was not. I informed them to cease all activity on my account. They suspended my ( the owner 's line ) and my wifes lines, but kept the bill going for 3 phones under my XXXX XXXX XXXX daughters name. How this is legal I have yet to understand. 

In the end, I submitted a complaint with the Delaware State Attorney General 's Office regarding the fraudulent business practices while deciding whether to pursue holding the company accountable in Arbitration or Small Claims. 

XXXX continued to send me bills of varied amounts. It then appeared that XXXX XXXX turned the account over to a collection entity. With so many different numbers being presented to me, the fact that the company repeatedly lied, and not knowing the details of their claim I submitted notification that I was disputing the debt and requested detailed information regarding it. 

The debt verification letter was written on XX/XX/XXXX and mailed on XX/XX/XXXX via USPS Priority Mail with Tracking. According to USPS the letter was Delivered, Individual Picked Up at Postal Facility  XXXX XXXX ( see attachment ). To date, over 2 months later, I have received no reply to my request for verification. 
XXXX XXXX failed to provide debt verification. I am taking this to small claims and continuing to pursue action with other regulatory agencies. I learned today that there has been an amount of {$1100.00} posted to a major credit bureau claiming this was a collections account. XXXX billed for services not rendered. XXXX engaged in deceptive business practice. XXXX FAILED TO RESPOND TO MY REQUEST FOR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or about XX/XX/2019, I initiated a fraud dispute with American Express concerning multiple fraudulent charges made to my account in XXXX and early XXXX of 2019. I was asked to submit an affidavit declaration of fraud form which I complied with and advised that I would receive an update concerning my dispute within 10 business days including a provisional credit to my account. On XX/XX/2019, I received an email advising me that my dispute had been denied because American Express had determined the charges to be valid. Since I know that I did not authorize any such charges, I asked American Express to send me copies of any documents used by them to substantiate the denial of my claim. As of todays date, my requests for such information has been denied. Notably, my subsequent research revealed that American Express has engaged in this unlawful behavior with Serve prepaid customers before. I was referred to as a down-market customer, and my requests for resolution has been ignored. Ive filed a small claims lawsuit which is pending for a XX/XX/2019 hearing. Most disturbingly, however, when I advised them that I have filed a lawsuit my account was suspended. As American Express is well aware, it is against federal law to retaliate against a customer for filing a fraud claim. American Express has flouted the law on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
pennymac charging higher escrow portion than they ate entitled to, pennymac who receives a copy of my bill states my property taxes are XXXX .they afre not they are XXXX per year .spoke with XXXX but because she was having trouble answering question and copped and attitude conversation quickly deteriarated.considering penny ac has XXXX  XXXX already twice borrower or borrower reps entitled to full explanation until borrower understands, under plausible questioning thiis XXXX was not equiped to answer why what would escrow shortage figure have been if base on correct property tax figure pmi wen t down homeowners only increased 20.EXTREMELY DISSAPOINTED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
On XX/XX/2019 I was checking my credit report on XXXX XXXX, and there is an account in collections on there. I check the account because I was unaware that I owed this alleged debt. I have never received any written communications nor telephone calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This account was not open by me and I have contacted the company and told them this was not me and the account was opened during a time when I moved and somehow someone got my personal information but I have never had a XXXX XXXX card and would like this taken off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
they take small amounts towards the loan and a huge amount for their interest which makes it hard and a long time to pay off the loan they are reporting me owing much more then I borrowed on my credit which is hurting my credit I have tried to talk to them to take more towards the loan and less in interest with no success I feel this is unfair lending and a trap for XXXX to get consumers locked in a long term loan ... PLEASE HELP

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: CA

Complaint narrative:
Despite repeated atttenpts to contact this less than par collection outfit they have refused to provide any proof of this so called debt and since XXXX rly have charter for a cable company Im confused where this debt may have come from. This collection agency has litteraly hundreds of xo plainys for the same issue and without being able to provide and signatures this becomes extortion not collection.

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 2019-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/19, unauthorized money was transferred from my savings account into my checking account at a location in New York ( XXXX ). CapitalOne failed to inform me of such breach. I was made aware of such fraud when I physically went into one of the branches near where I reside ( XXXX XXXX, MD  ). I closed those compromised accounts and opened new ones. I ordered new checks ( {$27.00} ) and called the 5 vendors to whom I bounced checks to not because of insufficient funds but because of a hold on my checking account. On XX/XX/19 I physically went into a CapitalOne Branch near where I work ( XXXX VA  ) to withdraw money and was then made aware that there was fraud on my new accounts. Once again CapitalOne failed to inform me of such breach. I was informed that someone went into a CaptialOne Branch ( XXXX NY ) on XX/XX/19 and withdrew {$3100.00}. Presumably the same person attempted to withdraw {$2700.00} at another location on XX/XX/19. The teller at the second location suspected fraud and called the police. Once again I had no idea this was happening and CapitalOne failed to notify me. This has put unnecessary stress on me. I've had to change my direct deposit twice with my HR department and since enrolled with another banking Institution. It is worth noting Ive been a customer of XXXX XXXX/CaptialOne for about 30 years. I've had to enroll in XXXX ( XXXX XXXX monthly expense ). I've had to miss several days of work to address these banking issues and to address additional problems with bouncing of check ( s ) at the MVA. The investigator at MD MVA told me that they have been receiving lots of fraud coming out of New York with regards to CapitalOne. It is my opinion that CapitalOne is negligent at best and if not complicit in a cover up of data breach of their system. I believe CaptialOne should justly compensate me for time off work, undue stress and all the headaches and financial burden that come along with Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
There was a mistake made at XXXX XXXX and I worked with them to resolve it and they closed my acct. Then these collection agencies, Portfolio recovery associates started to threaten me and reported it to XXXX  who destroyed my credit rating. Now they say I need to get a credit card to help my credit score and try to get me to sign up for one or my credit will be destroyed! I checked it through XXXX XXXX and it goes down more each week. They also have a debt from XXXX XXXX XXXX which I told them was clearly not mine but they will not remove it. Someone, XXXX XXXX or XXXX gave out my phone number to these collectors and I get threatening calls 24 hours day. Portfolio Recovery told me they are coming to my house to seize property and even take my car and they don't care if XXXX XXXX closed the acct or not that they have the right to collect by any means necessary. XXXX XXXX is allowing these agencies to use their website hurt my credit which use to be XXXX and now in the 600 's. Nothing I say to them is working and I stopped answering all calls now because they have so many different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 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: CA

Complaint narrative:
Despite repeated atttenpts to contact this less than par collection outfit they have refused to provide any proof of this so called debt and since XXXX XXXX have charter for a cable company Im confused where this debt may have come from. This collection agency has litteraly hundreds of xo plainys for the same issue and without being able to provide and signatures this becomes extortion not collection.

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 2019-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have hard inquiries on my credit report that's not mine and unauthorized and would like to have them removed asap. It's so many dates that it's unreal that type of stuff could happen

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 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Calls and hangs up when my employers answers, left threatening voice mail messages, when employer answers phone will ask for a person that does not work there, calls repeatedly throughout the workday. Repeated phone calls disrupts business operations and prevents legitimate customers from being able to reach Employer. Overall unwarranted and unsolicited and excessive harassment. Have been told to stop calling and will not stop calling the workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
In XX/XX/XXXX I filed chapter XXXX bankruptcy I included Monterey collection services they were sent notice this has been a long court case they are stating that I owe XXXX on XXXX dollars and half has been paid, they have ignored all bankruptcy proceeding and I am currently due back in court with them on XX/XX/XXXX for them to answer for this account making threating phone calls and threating to destroy my credit. They were served this month with legal actions in regards to this and they are able to look up all bankruptcy information. 

they have this as an open account that they will not be collecting on due to my bankruptcy. by law, they are not to contact me or attempt to collect a debt that is in bankruptcy. disputed this with the credit bureau also. because they continue to report it as a debt. I would like for them to acknowledge that they received all documents pertaining to this bankruptcy and they did not shoe for the creditors meeting to speak against so it's in the process of being discharged,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I took a stress test at my cardiologist 's office on XX/XX/2017. The charges for the XXXX  test procedure were submitted to and covered by my XXXX XXXX XXXX Federal Employees Program medical insurance. I received a copy of the Explanation of Benefits provided by XXXX to cover the cost of the procedure. The XXXX XXXX XXXX provider of the service was a XXXX XXXX XXXX  " preferred provider '' and, as such, was required to accept the amount indicated by XXXX as payment in full for the services rendered. XXXX XXXX and XXXX XXXX paid their portion and I paid the patient portion in full. The doctor 's office has attempted to collect an additional {$790.00} from me that I do not owe. I have received numerous calls and letters from them, their internal collections department and an outside collections agency. Each time, I have submitted letters disputing the validity of this debt and provided them with copies of my XXXX XXXX XXXX Explanation of Benefits, which clearly states that I am not responsible for any additional amounts. This have been going on for nearly two years and I am suffering a great deal of stress and anxiety because of the ongoing dispute.

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 2019-05-07 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: MO

Complaint narrative:
I have hard inquiries on my credit report that's not mine and unauthorized and would like to have them removed asap. It's so many dates that it's unreal that type of stuff could happen

Company response to consumer: Closed with explanation