vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I paid my balance in full with the credit card company back on XX/XX/20 of@XXXX. I am now getting charged interest of {$7.00}. I don't understand where they think I owe this money. I paid my balance over a month ago and they want me to pay interest charges due in 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 monetary relief
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: KEYCORP
State: CT

Complaint narrative:
XXXX has XXXX XXXX which allows us to add on our utility bills to our credit and increase our credit. I called them Numerous times to find out why my bank isnt working. They said to contact the bank and theyve said its On XXXX side Ive been very patient and asked numerous time to no avail. I want this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have an alleged debt with Navient. Multiple private student loans. The last action by me on the loans was XX/XX/2020. 

Navient has included various false information about my loans over the last 5 years. First, they claimed that I was making intermittent payments on the loans so that the statute of limitations would be extended even though I was not. Then, they coded my loans as federal, not private, and therefore the charge off is still active even though the statute of limitations for my state is 4 years, and should be over now. 

I am unable to get a mortgage because of this. I have called them various times, they refuse to work with me and won't give me information about the coding of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: CT

Complaint narrative:
I have my student loan account on my transunion report 3 times with the same start date and balance all under diffrent companies. It was not sold and was a government loan. Im paying on it .one of the accounts reflects this. Triple reporting is unethical and against the law.

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 2020-06-06 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: GA

Complaint narrative:
I have disputed inquiries on my credit report, however the companies and credit bureau continue to report these unauthorized inquiries

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 2020-06-06 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: CT

Complaint narrative:
I have a inquiry from XXXX XXXX on my report i dont recognize yet i received a letter from transunion stating they verified it. I dont see how that was possible

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 2020-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Since XX/XX/2019 Bank of America has reported a new charge off every month so my account is now showing 14 charge offs. Additionally, I am paying as agreed with their collection agency after trying many times to work out a deal with them. There was only one charge off. I reported this and received a letter stating that the investigation was closed and the information was correct. This is the pinnacle of UNFAIR credit reporting and I request that you require them to accurately report that there was one charge off in  XX/XX/2019. Absolutely show my past due amount in fact, I am also paying as agreed.

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 2020-06-06 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: GA

Complaint narrative:
I have disputed inquiries on my credit report, however the companies and credit bureau continue to report these unauthorized inquiries

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 2020-06-06 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: GA

Complaint narrative:
I have disputed inquiries on my credit report, however the companies and credit bureau continue to report these unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: Westlake Services, LLC
State: GA

Complaint narrative:
This item with Westlake Financial in the amount of {$4800.00} is reporting on my credit report. I sent validation to Westlake financial no response. The company that used Westake called XXXX XXXX has closed down. I received documentation a a while back from company which states vehicle was in another person 's name. I threatened to take XXXX XXXX to court and they provided me with this documentation I have. The credit bureaus has stated it was verified. I did not receive any documentation from the credit bureau nor Westlake financial for this debt supposedly owed. I have attached a contract that is NOT in my name. XXXX XXXX is a fraud company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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:
XXXX XXXX XXXX XXXX XX/XX/2019 IS SHOWING A 30 DAY LATE. THIS COMPANY FAILED TO VERIFY THE 30 DAY LATE. THE 30 DAY IS UNVERIFABLE.

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 2020-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I received a letter in the mail from " Credit Collection Services '' XXXX XXXX XXXX XXXX, MA XXXX stating I owed {$150.00} to a creditor " XXXX XXXX  ''. I checked my credit bureau and do not owe money to anyone and do not do business with the creditor listed above. The letter seemed shady. Very little information given but listed a self-service website, call center number and play to mail the stub and check. Phone number listed : XXXX and Mail address : CCS Payment Processing Center XXXX  XXXX XXXX, MA XXXX This is clearly a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian has Experian boost which allows us to add on our utility bills to our credit and increase our credit. I called them Numerous times to find out why my bank isnt working. They said to contact the bank and theyve said its On Experian side Ive been very patient and asked numerous time to no avail. I want this fixed

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 2020-06-06 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: CO

Complaint narrative:
Since XX/XX/2019 XXXX XXXX XXXX has reported a new charge off every month so my account is now showing 14 charge offs. Additionally, I am paying as agreed with their collection agency after trying many times to work out a deal with them. There was only one charge off. I reported this and received a letter stating that the investigation was closed and the information was correct. This is the pinnacle of UNFAIR credit reporting and I request that you require them to accurately report that there was one charge off in XX/XX/2019. Absolutely show my past due amount in fact, I am also paying as agreed.

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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Paid off my Lowes account 3 months ago and they have not reported it paid. I have copies of the bank statement that they cashed the check. This is slowing my credit from being restored.

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 2020-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PNC Bank N.A.
State: CT

Complaint narrative:
I received a letter in the mail from " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, MA XXXX stating I owed {$150.00} to a creditor " PNC Bank ''. I checked my credit bureau and do not owe money to anyone and do not do business with the creditor listed above. The letter seemed shady. Very little information given but listed a self-service website, call center number and play to mail the stub and check. Phone number listed : XXXX and Mail address : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, MA XXXX This is clearly a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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:
This item with XXXX XXXX in the amount of {$4800.00} is reporting on my credit report. I sent validation to XXXX financial no response. The company that used XXXX called XXXX. XXXX has closed down. I received documentation a a while back from company which states vehicle was in another person 's name. I threatened to take XXXX XXXX  to court and they provided me with this documentation I have. The credit bureaus has stated it was verified. I did not receive any documentation from the credit bureau nor XXXX XXXX for this debt supposedly owed. I have attached a contract that is NOT in my name. XXXX XXXX is a fraud company.

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 2020-06-06 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:
This item with XXXX XXXX in the amount of {$4800.00} is reporting on my credit report. I sent validation to XXXX XXXX  no response. The company that used XXXX called XXXX. XXXX has closed down. I received documentation a a while back from company which states vehicle was in another person 's name. I threatened to take XXXX XXXX to court and they provided me with this documentation I have. The credit bureaus has stated it was verified. I did not receive any documentation from the credit bureau nor XXXX XXXX for this debt supposedly owed. I have attached a contract that is NOT in my name. XXXX XXXX is a fraud company.

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 2020-06-06 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:
It baffles me that I am repeatedly battling the same problems with the credit bureaus in regards to them reporting fraudulent information on my credit files ... .I have a fraud alert on my credit files for a reason!!

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

EQUIFAX : XXXX XXXX XXXX ACCT # XXXX, I HAVE NEVER LIVED IN XXXX, GEORGIA!! 

INQUIRIES : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  : INQUIRIES ... ..XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: GA

Complaint narrative:
Holloway Credit Solutions has validated to validate any debt owed to me. I have sent company validation letters and no response from Holloway credit solutions. The debt was open in XX/XX/XXXX-XX/XX/XXXX. The amounts is {$1000.00} {$110.00} {$160.00}. The credit bureaus has stated they validated info but has not sent me any proof. 

Account number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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:
It baffles me that I am repeatedly battling the same problems with the credit bureaus in regards to them reporting fraudulent information on my credit files ... .I have a fraud alert on my credit files for a reason!!

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

XXXX  : XXXX XXXX XXXX ACCT # XXXX, I HAVE NEVER LIVED IN XXXX, GEORGIA!! 

INQUIRIES : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX EXPERIAN : INQUIRIES ... ..XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/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 2020-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
On XX/XX/XXXX be vile was in a car accident XXXX seemed a total loss and informed Mercedes Benz that they wore going to pay out the beguile in XX/XX/XXXX they only sent amount of XXXX which Mercedes processed and the date was showing next due date was XX/XX/XXXX and stating when I pulled my credit today XX/XX/XXXX showing it was negative as a charged off when clearly the other party was at fault. Nor has Mercedes Benz or XXXX have made any contact with me since they recieved payment nor to inform me the charge of account as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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:
XXXX XXXX XXXX XXXX THIS COMPANY IS REPORTING A 30 DAY LATE FOR MONTH OF XX/XX/2019. I REACHED OUT TO THIS AND THEY WERE UNABLE TO VALIDATE THE ACCOUNT. THIS ITEM IS UNVERIFABLE.

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 2020-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
I have a debt on my credit report that was acquired by a company Vance & Hoffman and it is totally invalid. I already proved to the original company that I never received the product that was in question and the original company removed their debt collection efforts from my credit report. This other company decided they were going to continue to collect money from me illegally. They are affecting my credit score illegally and I need them to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 I requested to set up recurring payments on account ending XXXX. Bank of America cancelled my payments on all of the credit cards that I have with them because a {$2.00} payment that was refund on a different credit card. They have no right to cancel my automated payments and not sent a notification by mail that they were going to do that. Customer services never explained to me on any of my conversations with them on XX/XX/2020 and XX/XX/2020 that they have a policy that if you have a payment return on any credit card they would cancel your online payment accessibility on all of the bank America accounts which I find this arbitrary because they should not be mixing payments with the different credit cards. Each account should be handle separate. Today they said that since is not a bank error they would not refund the {$39.00} late fee charge on XX/XX/2020. Even though they cause the fee because they cancel my recurrent payment without notifying me. Please assist me with this matter. thank you

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 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XXXX has alerted me that PNC bank is no longer working with XXXX. This is extremely inconvenient and I will highly consider switching to a different bank. As a XXXX  in XXXX  school I use XXXX to pay my rent, buy textbooks, send money to my XXXX  cohort for programs etc. What is already a difficult time in America, you have intensified it. XXXX was great because you did not need to meet in person to exchange cash or go to a bank and risk the chance of catching Covid-19. Your actions as a bank are confusing. Please get your bank back on the XXXX platform.

Company response to consumer: Closed with explanation