vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-03 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-09-03 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-09-03 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied online for a 5 year moratorium of offers of credit and fromally mailed in permanent opt-out on XX/XX/18. On XX/XX/18, I received a credit card offer from Chase for a XXXX XXXX XXXX XXXX XXXX. the Invitation number is XXXX XXXX XXXX. i have called the banks on other offers, but I just get the XXXX treatment, so I felt it is important to do a formal complaint.

The other identifying numbers are XXXX XXXX XXXX XXXX XXXX XXXX   with offer code XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
There are several companies involved in my dispute : XXXX XXXX XXXX ( which turned out to be a scam ), XXXX, XXXX, and now XXXX. A very long story short : I was enrolled in the Public Service Loan Forgiveness program ( so I thought ), and was misled by the first three companies who told me that all of the payments I was making ( including in the Standard Plan were part of the necessary qualifying plan. XXXX claims they will only count 11 payments I have made toward the program instead of the 5 years worth that should be counted. It even states directly on the XXXX   website that the Standard plan is a qualifying plan for PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FM

Complaint narrative:
During 2016 it shows two missed payments in XX/XX/XXXX and XX/XX/XXXX. I do not have any delays on my payments since I have my capital one credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
On 2009, my XXXX year old daughter and I inquire at XXXX College ( formerly XXXX XXXX College ) about their XXXX XXXX   XXXX ( XXXX ) course. The person on Admission explained to us that there are Government grants that they can help my daughter to get into the Program. Next thing I knew, they made me sign some papers without disclosing to me anything, but as a parent of the student because If they disclose that I will become a co-signer or will owe some, we will not proceed. Couple of years later, I started receiving Invoice from a company called ECMC that I owe them from XXXX College. Because of my Ignorance at that time, i made few payments of $ 300-350, then when I miss some payments, ECMC wrote me a letter saying, just make a payment of {$100.00} per month for twelve months, the loan will be finished. So, I did gave my bank information and they were taking automatic payments for one year.  Later on, I received Invoice or bill from company XXXX and said, it was sold to them. I started to keep wondering, how did this ever happened well in fact i never signed anything from the school. I heard about loan forgiveness from a lot of companies soliciting on my phone until I encountered and speak with a representative from " XXXX XXXX '' Company and they promised that they will help me convert this loan to " loan forgiveness from President Obama. So, I pay them {$500.00} processing fee and have been arranged to pay {$35.00} per month but I must pre-qualified or apply every year. Now, they were saying I got denied and must start paying {$280.00} per month. I said to myself, that's it, this is not my loan, I was not disclosed and provided documents that explains I owe this loan which is now {$35000.00} plus. I called and ask help from our Congress maker Mr. XXXX XXXX that handles Federal Level / Department of Education Issues or Complaints and Mr. XXXX XXXX and XXXX told me to follow the process. Please help me get this unauthorized loan that was just passed on to me because I was just a parent who not knowingly aware what I was signing at that time. Over this years that I was so stressed, worried and overwhelmed with this problem, I became sicker as a XXXX XXXX year old mom. My XXXX XXXX XXXX was getting worse and thinking I will just die with this problem.

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 2018-09-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On or about, XX/XX/2018 the record shows I mailed XXXX XXXX Notice of Lawful Affidavit with attachments, dated XX/XX/2018 by CERTIFIED MAIL NO. XXXX XXXX XXXX XXXX XXXX as verified by Affidavit of Mailing : TO : XXXX XXXX, ( a living man ) CHIEF FINANCIAL OFFICER NAVIENT CORPORATION XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX After acceptance of four mailings, XXXX XXXX refused to send a rebuttal on behalf of himself and or NAVIENT CORPORATION in XXXX DELEWARE. There has been no adjusted and or settlement, nor a notice of dishonor from a qualified third party excusing him refusal, in the ten ( 10 ) days following the second, third and fourth mailing. 

Therefore, based on the foregoing facts, I certify that XXXX XXXX and or NAVIENT CORPORATION in XXXX DELEWARE, has dishonored and I declare lawfully through nonresponse, has thereby agreed and has accepted the presentment along with the obligation per public policy. 

Further, XXXX XXXX ( a living man ) and or NAVIENT CORPORATION in XXXX DELEWARE, agree that their refusal to send the written confirmation or a notice of dishonor from a qualified third party, in no way negates the fact that said case is settled and closed, that he nor their agency has no capacity to pursue on said case, and that further pursuit of case is agreement that XXXX XXXX ( a living man ) and or NAVIENT CORPORATION in XXXX DELEWARE, collectively owe Principal ( a living man ) in excess of {$500000.00} ( XXXX XXXX XXXX dollars ) and that he may take all necessary steps to secure his claim to the debt owed to him and to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've have several inquiries showing on my TransUnion credit report that I don't recognize. These items are listed below : XXXX XXXX plus 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 2018-09-03 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: IL

Complaint narrative:
Have a fraud report number XXXX. Involving XXXX   account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX XXXX. Removed by other CRA s. Review Documentation, fraud accounts must be removed ASAP according to FCRA guidelines.

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 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AN " EXTENDED FRAUD ALERT '' ALONG WITH A FALSE STATEMENT WAS PLACE ON MY CREDIT REPORT WITHOUT MY PERMISSION!!

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 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
AN " EXTENDED FRAUD ALERT '' ALONG WITH A FALSE STATEMENT WAS PLACE ON MY CREDIT REPORT WITHOUT MY PERMISSION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AN " EXTENDED FRAUD ALERT '' ALONG WITH A FALSE STATEMENT WAS PLACE ON MY CREDIT REPORT WITHOUT MY PERMISSION!!

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 2018-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX has been reporting to the equifax credit agency under the given account # XXXX for a " credit card '' in the amount of XXXX, the information provided prompted me to inquire directly with the company, and their response to me is that they acquired XXXX XXXX in 2003, and as of 2003, credit information related to XXXX ceased being reported to credit reporting agencies by the bank and that it appears that someone is false reporting this debt under the XXXX entity 's name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
A wedding ban was purchased XX/XX/XXXX from XXXX XXXX, first biweekly payment made XX/XX/XXXX. Final payment made XX/XX/XXXX. Credit report pulled last summer which shows inaccurate information being reported. Identity theft has been filed, fraud alert placed with all 3 credit agencies. Deletion report came back and has been attached. A few months ago my ex received a visit from a woman exposing XXXX XXXX as the company and inform my ex of a judgement being placed. Just last month, a woman approach another address looking for unknown female. She was advise, person doesnt live at this address. She came back on another occasion and approached an ex inside a vehicle asking for the same person again. She returned and reached the homeowner who threaten to call the cops if she comes by again for harassment. The security cameras shows the woman came back again, ring the door bell and taped a letter/note on the door and left. Home owner comes home from work to a letter stating all personal credit information for someone who doesnt live in the home. The information got expose amongst the entire family because he brought concerns that I was unaware of. This information has been posted on social media as well. My consumer rights has been violated by this debt company. XXXX XXXX XXXX, Sterling Jeweler and XXXX XXXX has violated the FDCPA. Ive been accused of a purchase I didnt make. Ive attached proof of purchase that was made and payments made to pay off. Ive attached deletion from XXXX XXXX   and other companies from the identity theft. Ive suffered a huge embarrassment with this false exposure when Ive followed the steps of identity theft.

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 2018-09-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MIDCOUNTRY FINANCIAL CORP
State: FL

Complaint narrative:
To CFPB I am writing to dispute and Complaint about Negative Unverfied and anauthorize, Collection Company Highly negative impact on my personal credit report Erroneous collection reporting to all 3 credit Repositories, XXXX XXXX  and XXXX intentionally places by the Collection Company XXXX XXXX, on or about XX/XX/XXXX, for unpecefied amount This companies hires 3 party Collections companies that as employed harrasment tactics to try and collect anauthorize unverfied debt, they claim I owe Unspecified amount but yet I was never informed of this alledge unverfied Accounts, XXXX XXXX employed Predetory Collection practices continue phone calls no proof of contract or Signiture or application no Verification of debt was ever sent to my home via USPS the Fair Debt Collection Practice Act 15USC 169q2 ) Sec809 ( b ) that there claim is disputed and validation Letter was sent to XXXX XXXX Certified Mail In XX/XX/XXXX.the Letter stating It was not a request for Verification or proof of mailing address but a request for Validation made pursuant to the above name title and Section please note this unverfied Collection has impacted my good credit standings severly damaged to and lowering my Credit score severely I am XXXX Military Veteran this is a Hardship to my self and my family trying to obtain financing because of the Detrimental Collection placed on my credit file by XXXX XXXX , Relevant to this hurtfull continued Phone harrasment to my self and family members they continue there Phone calls and frequently change there Collection tactics, My family And I feel Violated by Predetory acts, with no regards to privacy a Defamation act tactics very stressful event on my consumer rights to challenge such a flagrant disregard they listed a Derogatory And mark my credit reports as a Collection, With prior notification or veryfying this claim, XX/XX/XXXX to XX/XX/XXXXone year and they never legally provided proof in writing to my residence.I am Requesting that they contact the 3 CRAs Repositories XXXX, XXXX, And XXXX  And emedietely Delete this erroneous entry in my credit report.. thank you for letting me post this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MS

Complaint narrative:
I took out 2 checks in the amount of {$240.00} each, I paid them both back twice, borrowing the same amount each time. I could not pay them back and I have been asking repeatedly and told by customer service that if I waited that I could set up a payment plan through collections but instead the company is calling my friends, and even my spouse who was not on the referrals list so they should not contact him at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: TX

Complaint narrative:
Experian continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 

I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via certified letters and by following their disputing process online as well. 

Experian has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated. 

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Experian is refusing to delete this information 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 non-monetary relief
Consumer complaint received 2018-09-04 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: OH

Complaint narrative:
I have tried getting this issue with TransUnion resolved since XX/XX/18. As a result of TransUnion completely ignoring my dispute I have gone to the FTC regarding the fraudulent collection account reporting on my credit file belonging to XXXX XXXX XXXX XXXX partial account number XXXX, TransUnion blocked the last four numbers of this account. This is my official Identity Theft Report for TransUnion. I have attached all required documents to this complaint that the FTC states. The included documents are as follows. Identity Theft Report, Drivers License, Social Security Card, Proof of Residency, FCRA 605B and, TransUnion 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 2018-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
i have written this company on multiple occasions asking them to validate this debt and they have not done so, I have reached out to the credit reporting agencies with proof that this debt has not been validated even at my request with certified proof of receipt, this company is reporting that I have an account with them in the amount of a XXXX dollar credit limit which I have never signed a contract with them for any account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have had a hard time logging into and receiving customer service from my credit card company. Several months ago, I tried using the online chat to discuss my issue with their representative. Every time I would ask my question about a late fee, my chat would be discontinued. It was so frustrating. 

After the third time, I finally submitted a request to cancel my card, explained why I was having a problem and then requested someone - anyone- to PLEASE contact me because I couldn't get through to a human being. 

I got a notice a month later that there was a late fee of {$20.00} applied to the account. 

Fine, I tried to go online to pay the account - but I don't have my credit card anymore so I can't put in the number to access the account. 

I tried to call, when I put in my social security number and zip code, they can't find my account! 

They connected me to an actual human being and she couldn't hear me. As soon as she got on the line she just kept saying " Hello? Hello? Hello? '' I have small children at home. This is ludicrous - how can a business operate this way? 

Today, I got ANOTHER notice from the card company and they've applied another {$20.00} fee. 

I tried once agin to use the chat tonight to talk to the account representatives - SAME THING HAPPENED where they connect, tell me they are reviewing my question and then disconnect without helping me at all! 

So {$40.00} in fee for a card I've canceled, can't use and can't contact the credit card company about! 

This is such a horrible scam I am ashamed and outraged I fell for this credit card company at all.

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