vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 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: IN

Complaint narrative:
Since XX/XX/XXXX-XX/XX/XXXX Fedloan Servicing has been taking an extra XXXX $ out of my account each month on top of the XXXX $ that Im supposed to pay when they switched my plan to a 10 year plan instead of the 20 plan I have applied for and have no record of it on their end. I had to take days and hours of going through my Banks EFT department to provide the transactions to Fedloan Servicing to prove to them by showing the ACH Transaction Detail their CompanyID and Trace Number that they were in fact taking money out of my account and not applying it to my loan. I spoke to 4 different individuals and no body could tell me their companyID number nor provide me any comfort or anybody to talk too. On top of the fact, they let interest rack up and made my total balance higher making it even more difficult to pay. This is absolutely the most insane event I have ever experienced in my entire life. How does a company take money from a broke, college graduate and can nobody explain to me where the money is going to from within their organization when it should have been going to my student loan balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately.Therefore you are to present to me with a certificate in testimony that the alleged accounts listed in Facts 9,10, are in fact compliant and not subterfuge ( Copied from the Affidavit )

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 2019-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: RI

Complaint narrative:
I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and two of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of one of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts. 
I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.

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 2019-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had previously complained to Equifax about a fraudulent/erroneous address of XXXX XXXX XXXX appearing on my credit report. XXXX refused to remove it by simply ignoring my complaint. On XX/XX/2019, I submitted a complaint to the CFPB concerning this fraudulent/erroneous address of XXXX XXXX  XXXX and Equifax responded on XX/XX/2019 by stating that the address of XXXX XXXX XXXX had been DELETED ... ..Equifax LIED ... .They NEVER DELETED the fraudulent/erroneous address of XXXX XXXX XXXX and the address IS STILL ON MY CREDIT REPORT. Is there any way to insure that this fraudulent/ erroneous address of XXXX XXXX XXXX is PERMANENTLY removed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX/XXXX XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and two of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of one of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts. 
I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Account doesn't belong to me. Company hasn't sent me any type of documentation to confirm.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These are not my accounts or inquiries Hello I'm a XXXX and I'm very busy. I have so many inquiries and collection accounts that doesn't belong to me I need them removed please. How can a collection agency put information on your credit and you never signed anything with them? This is all illegal. There's no names of these agencies. They talk very unprofessional. They cant proof this is mines. I contacted the three credit bureaus several times and no answer to a solution. They say its the collection agency the collection agency says its the credit bureau INQUIRIES XXXX Inquiry : XXXX/XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXX of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXX  XXXX  llDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX XXXXDate of XXXX : XXXX Inquiry : XXXX XXXX XXXX XXXXXXXXDate of XXXX : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX EQUIFAX XXXX : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX TRANSUNION XXXX : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXXXXXX, XXXX, VA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX  of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX, XXXX  XXXX, NY XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, WI XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXXtDate of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, GA XXXX | ( XXXX ) XXXX ACCOUNTS Balance {$450.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX XXXX {$560.00} XXXX XXXX : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX XXXX {$470.00} XXXX XXXX : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Balance {$270.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Balance {$270.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX : not available

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I co signed on this car with my ex with XXXX. My ex defaulted car got repoed. I made an offer to settle the debt that was owed after auction for {$3000.00}. They accepted that term and was suppose to update my report to " charged off settled '' status. They have yet to do that they keep reporting it as open with a pass due balance of XXXX something dollars I have emailed and called them several times and they keep giving me the run around while they continue to ruin my credit. I have two letters one where they accepted my agreement and the 2nd one where it shows I paid it and that they will update it to charged off settled. I paid this debt XX/XX/XXXX. When I dispute it they send the same wrong info to the credit reporting agency.

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 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity bank has called me daily 4 or 5 times a day. They have resorted to calling my daughters, son, boyfriend and his mom to get my info. They reported in XXXX that they did a charge off and yet still called me. The last I heard from them was the end of XXXX. Before that it was from XXXX am until XXXX pm. It was usually unknown number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InstaMortgage Inc.
State: TX

Complaint narrative:
Good Day My husband and I are veterans and applied for a VA IRRRL with Arcus lending because we received a letter in the mail stating that we qualified for the refinance. Since starting the process communication with the loan officer has been very scarce. We keep getting the run around, and are being told various different information that isn't true. They told us we could save 2 months of mortgage payments and get our escrow money back, they said our loan had been approved but then we received a email stating it was still in the approval process. We started the process in XX/XX/XXXX and they said we would be able to close in XX/XX/XXXX, it is now XX/XX/XXXX and we still don't have a closing date or any updated information about the status of our loan. I've tried to get in contact with the company and no one is available. Every number goes to a recording that says to leave a detailed message. I've called and texted the loan officer and I have not heard back from him. This company has all of our information ran a credit check and everything and now I feel as though I need to ensure our identities haven't been stolen. The manor in which this company conducts their business is unprofessional, and as veterans I feel as though we have been taken advantage of. The loan officer says he is part of a veterans mortgage company but in no way shape or form have they helped us. They just promised a lot of stuff and haven't followed through and now I am concerned about my person information that was sent to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: NY

Complaint narrative:
I have submitted my identity verification multiple times ( XXXX, XXXX, XX/XX/2019 ) Yet, my accounts have not been updated. When I call they say that they have not received. I have attached my i.d and social for verification. Please have the bureaus update my information so that when I try to get credit I have no issue. I am only XXXX years old and I am trying to build responsible credit but this discrepancy has been holding me back for 6 months. Please help

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 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I disputed this account named XXXX XXXX XXXX  on my credit that does not belong to me and I got a pre-made letter that says, " Account information disputed by consumer, meets FCRA requirements '. 
I would like for the credit reporting agencies to adhere by my request : Dear Credit Bureau ( XXXX, Transunion, and XXXX ), Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed this account named XXXX XXXX XXXX on my credit that does not belong to me and I got a pre-made letter that says, " Account information disputed by consumer, meets FCRA requirements '. 
I would like for the credit reporting agencies to adhere by my request : Dear Credit Bureau ( Experian, XXXX, and XXXX ), Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OR

Complaint narrative:
On Tuesday, XX/XX/19, we went to the US bank branch in XXXX, OR to open a new bank account and add 3 employees to a central credit card account. On XX/XX/19, we discovered that these accounts were opened as separate credit cards as opposed to sub cards of the central account. I immediately called US Bank to find out why this happened and to fix the problem. They told me that they could combine the cards back, but not until XXXX. They were not able to explain to me why this happened in the first place. The branch manager ( in XXXX ) was not able to find out why either. Today, XX/XX/19, the 3 employee cards would not work. When I called in to find out why, we were told that minimum payments needed to be made on the three cards and that it would take a day for those payments to post. This all stems from the main complaint that US Bank fraudulently opened these three cards as separate accounts instead of placing them in the central billing.

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 monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I co signed on this car with my ex with XXXX. My ex defaulted car got repoed. I made an offer to settle the debt that was owed after auction for {$3000.00}. They accepted that term and was suppose to update my report to " charged off settled '' status. They have yet to do that they keep reporting it as open with a pass due balance of 7000 something dollars I have emailed and called them several times and they keep giving me the run around while they continue to ruin my credit. I have two letters one where they accepted my agreement and the 2nd one where it shows I paid it and that they will update it to charged off settled. I paid this debt XX/XX/XXXX. When I dispute it they send the same wrong info to the credit reporting agency.

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 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I co signed on this car with my ex with XXXX. My ex defaulted car got repoed. I made an offer to settle the debt that was owed after auction for {$3000.00}. They accepted that term and was suppose to update my report to " charged off settled '' status. They have yet to do that they keep reporting it as open with a pass due balance of XXXX something dollars I have emailed and called them several times and they keep giving me the run around while they continue to ruin my credit. I have two letters one where they accepted my agreement and the 2nd one where it shows I paid it and that they will update it to charged off settled. I paid this debt XX/XX/XXXX. When I dispute it they send the same wrong info to the credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I co signed on this car with my ex with XXXX. My ex defaulted car got repoed. I made an offer to settle the debt that was owed after auction for {$3000.00}. They accepted that term and was suppose to update my report to " charged off settled '' status. They have yet to do that they keep reporting it as open with a pass due balance of XXXX something dollars I have emailed and called them several times and they keep giving me the run around while they continue to ruin my credit. I have two letters one where they accepted my agreement and the 2nd one where it shows I paid it and that they will update it to charged off settled. I paid this debt XX/XX/XXXX. When I dispute it they send the same wrong info to the credit reporting agency.

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 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
last calls were today, I received five calls. They are attempting to collect a debt my son owes. My son doesn't live here. He's XXXX and qualified and applied for the emergency room charges at the hospital and they approved him. For some reason this group refuses to STOP calling me. I could only select one option and that was repeated calls, but they call before XXXX and as late as XXXX. They have been calling for several months now. Prior to this I received collection letters and I had to repeatedly return them and clearly wrote NOT AT THIS ADDRESS to no avail. I tried call the number they call me on, it answers, tells you to wait, cycles back over and over and finally disconnects. There's no way for me to block them on my cell phone either. This never was my son 's phone number, it was an emergency contact ( mom ) number. Please make them pay a fine or something, they are really aggressive and crossing the line over and over. I am on the do not call registry too, however I know that may not involve this case.

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