vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 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: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lost of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.

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 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
this company DIVERSIFIED CONSULTANT keeps calling all day, & all night, and i told them they have wrong person, and they refuse to really identify themselves. I told them no sales please, & remove my number. een informed them im on donotcall list. this is beyond harassment. they need to be handled. they curse, they threaten me. bullys.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A fraudulent check, wich I didn't know it was at the time, was deposited into my account and caused a negative into my account now because of this I no longer can not do business with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC
State: IN

Complaint narrative:
On XX/XX/XXXX I received a notice that XXXX XXXX XXXX received a default judgment against me through attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX Phones : Business ( Fax ) : XXXX Business ( Phone ) : XXXX Case # XXXX-XXXX-XXXX-XXXX  I received a notice for interrogatories for XX/XX/XXXX. I have never received any correspondence from this attorney nor was I served for this judgment. The judgment lists an address of XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX. I have never resided at that address. My ex husband lived at that address but moved out of town in XX/XX/XXXX. I have lived at my current residence since XXXX. 

I never received the required notice that an attorney was handling this debt as required by the FDCPA and was not properly served for the judgment. This attorneys practices are unlawful and unethical to represent to the court that this was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lost of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.

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 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Case XXXX This is a response to the case that was closed on XX/XX/XXXX. 

1. Call phones have experienced a widespread port-out scam therefore security codes etc have been rendered useless. XXXX XXXX XXXX XXXX XXXX XXXX My carrier, XXXX has sent out multiple alerts about this and I had even reiterated the risk of this to Discover.

2. A new card was requested in XX/XX/XXXX and sent to my home address. Yes, this was requested by me, because of the ongoing case since XX/XX/XXXX and a new card had to be sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After submitting a complaint with cfpb on XX/XX/2018, regarding collections acct be removed, Equifax lowered my credit score 48 points. While all other credit reporting agencies raised my credit score to XXXX and above Equifax felt the need to lower my score to reflect the credit score at XXXX. I submitted documents that had a XX/XX/2018 date of removing the collections acct, when I called to get my status on this acct, they did not have any of this information and could only tell me they lowered my score because XXXX made an inquiry into my credit file. I don't think having an inquiry should lower my credit score 48 points

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2018 XXXX XXXX acquired my mortgage from XXXX XXXX XXXX. Shortly after that, the 13 years of mortgage payments disappeared from my credit report affecting my score by about 100 points. I contacted XXXX about this issue around mid XXXX. The customer service person stated they had 60 days by law to not charge late fees, report to credit and they did their reporting on the XXXX of every month. XX/XX/XXXX comes and goes and still no reporting. I called them again to inquire in late XXXX, the customer service rep had no explanation, and said I should check back XX/XX/XXXX. Still no reporting to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: USCB, Inc.
State: CA

Complaint narrative:
I received a debt collection bill from XXXX XXXX today. I called the company twice today to dispute the debt, and I asked for verification. The first time I spoke to XXXX. She abused and hurt me tremendously.  After disputing the bill and asking for verification, she made the following comments to me: The bill is for $XXXX, even though according to the bill, it is for $XXXX. Then she indicated that I'll receive more bills from them shortly. Then she hanged up on me.  She abused and overwhelmed me intentionally for no reason. I don't know why.  I called right back. This time I spoke to XXXX. She did the same thing. She abused me and hurt me intentionally. After requesting and getting the USCB record ID # from me, she said that in fact there are two bills, and that I'll receive more bills soon. Again, why she abused and overwhelmed me is something I'll never be able to understand and figure out. I called to dispute the debt and I asked for verification. However, she abused me and put me down. What these two young girls did to me are illegal, abusive and hurtful. I believe that not only the company is liable to me, but both these young girls are personally liable to me as well.  I'll not tolerate and accept abuse and torcher coming from two psychotic and irrational teenagers intentionally.  Both of them are personally liable to me for abusing and hurting me.   What they did was illegal and manipulative. They had bad intentions.  I recorded both telephone conversations. Please help me discipline this company and these two abusive representatives. Also, please help me receive compensatory and punitive monetary damages that I am honestly entitled to. Both girls abused and hurt me. Abusive collection practices are not acceptable and emotionally damaging.  Committing manipulation, lying and abusing me is not permitted by law. Right now, I am suffering, hurting and experiencing pain because of them.  I will not tolerate abuse coming from two teenagers. The appropriate  government agency should not tolerate it as well. Please  discipline USCB and both these psychotic and hurtful representatives. Thanks. I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I got scammed by a 3rd party company who convinced me to do a student loan debt consolidation. They screwed me up so badly ... and I was working with the FTC to start a " lawsuit '' but I was getting threats and what not so I got scared and stopped. Then FedLoan servicing convinced me to put a pin on my account to protect it from the 3rd party company. I unfortunately fell on hard financial times .and also forgot the pin to my account. FedLoan servicing has instructed me to send a request in writing to remove the pin so we can discuss repayment options over the past 6 months I've mailed 2 letters, faxed 3 and made numerous phone calls only to hear " we are so sorry we don't see your request please resend. " I CANT EVEN DISCUSS REPAYMENT!!! HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I received a notice that XXXX XXXX XXXX received a default judgment against me through attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Phones : Business ( Fax ) : XXXX Business ( Phone ) : XXXX Case # XXXX I received a notice for interrogatories for XX/XX/XXXX. I have never received any correspondence from this attorney nor was I served for this judgment. The judgment lists an address of XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX. I have never resided at that address. My ex husband lived at that address but moved out of town in XX/XX/XXXX. I have lived at my current residence since XXXX. 

I never received the required notice that an attorney was handling this debt as required by the FDCPA and was not properly served for the judgment. This attorneys practices are unlawful and unethical to represent to the court that this was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
I keep getting phone calls at least 4 times in the last 40 minutes on XX/XX/2018 from a debt I owe of {$220.00} owed to XXXX XXXX and they asked me to verify my address and I said I wouldn't tell my address untill they tell me what are they calling me around XXXX.and XXXX XXXX They keep changing their phone numbers and the phone number I just gave is the last phone number that called me tonight. I am just getting sick of them calling me around this XXXX XXXX to XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a inquiry on my XXXX  credit report from synchrony. I have call XXXX and synchrony and no help getting this inquiry off my credit report. I use XXXX  XXXX  for credit info. The inquiry took place on XX/XX/2018 XX/XX/2018

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 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Reported USAA fraud in XX/XX/XXXX, every month thereafter in XXXX thru today XX/XX/XXXX. - I spoke with USAA customer service reps reported fraud all year, - I spoke with USAA Fraud department reported fraud all year. I froze my USAA account do stop further fraud. I filled a police report. I filled USAA transaction disputes all year.. Problem has not been resolved by USAA. I received a USAA statement in the mail with a remaining balance, I filled a police report as all remaining charges on said card are fraud. No response from 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 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
After sending the last complaint Nelnet has unlocked my account so that I can view it. It stated that I was in forbearance. That status has now been changed to repayment. Today I spoke with someone in Nelnet 's customer service department. She isn't sure why I was given incorrect information concerning my Public Service Loan Forgiveness. I asked why my loans were placed in forbearance and she indicated that  happens automatically when I am in bankruptcy. I was never given this information prior to today. She said that I am in a graduated plan, which is still the wrong plan. But the payment with this plan has never changed. The payment is supposed to increase every couple of years. She suggested that I consolidate my loans, which I thought I already did, and begin the income driven repayment plan again. I have currently been making approximately the same payment since XX/XX/2003. Something can't be right with this. I'm not sure how to proceed from this point. I honestly get different information from everyone I speak to and no one cares. The girl last week at Nelnet told me my payment would be around {$800.00}. a month on the income based plan, today the representative said she couldn't possible know that. So who do I trust and how do I correct this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a letter stating all your Citi credit cards are closed. The reason was, too many hard inquiries. I called in on XX/XX/2018 at XXXX spoke to XXXX ID # XXXX asking why my accounts were closed she transferred my call because a different department handles that. XXXX from XXXX Call Center answered I said I do not have too many hard inquiries so the representative pulled a credit report and said she does not see anything wrong with my account and i did not have any negative relationship with Citi Bank since i have been a member and she will put in a request to open my account. On XX/XX/2018 at XXXX XXXX  I called in again because my accounts were not opened. I spoke with XXXX  ID # XXXX. She said she will put the request back to open my accounts and i will receive a reinstatement in 5-7 business days. She also pulled a credit report and stated she did not see anything wrong with the credit report. I followed up on XX/XX/2018 at XXXX XXXX  spoke to XXXX she stated the request is still in process and will send an email to the department that handles it so they make a decision. On XX/XX/2018 at XXXX XXXX  i spoke with XXXX from credit department ID # XXXX and she stated they will not open my credit cards because of too many opened accounts ( which is not true I will attach my credit report. In my credit report you will see there was only one credit card opened in the last 3 years ). I have opened a business so I applied for few business credit cards to build my business credit. One is XXXX XXXX which is showing on my personal credit report and one is from Citi Bank because I have been a member for 13 years and I considered it my favorite bank. Citi bank does not show the business credit card on my personal 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 2018-12-11 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: NC

Complaint narrative:
I had sought to have some erroneous reporting on my credit report corrected. It's a simple error but has an undue impact on my credit report. I tried every number I could locate to try and speak with a live customer representative. Every number I tried gave the same recorded answering message instructing you to give the action you are requesting. Could not get past any of them although the info I gave was correct. I then proceeded to try an file my dispute on their online dispute center. I could not get past giving my correct physical address even though the info they had is correct. 
This company holds too much power over us to not try an give correct info on their credit reports. I know that at first glance this may seem like a trivial complaint, but I hope you can relate to it. Our very lives are affected by our credit reports and they XXXX well should be held accountable. 
Thank you, 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 2018-12-11 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:
I have a inquiry on my transunion credit report from XXXX. I have call transunion and XXXX and no help getting this inquiry off my credit report. I use XXXX XXXX for credit info. The inquiry took place on XX/XX/XX/XX/2018

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 2018-12-11 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: CORELOGIC INC
State: GA

Complaint narrative:
Hello - I was in the process of buying a house through XXXX. CoreLogic is their agencies used to pull credit. There was suppose to be a " SOFT PULL '' of my credit report XXXX XXXX as they had already pull my full report on XXXX XXXX. Unfortunately, they generated another " Hard Pull '', which created another HARD INQUIRY on my credit report. Hard inquiries started popping up on my credit report on XX/XX/XXXX, and XXXX. I have attached the pics as well. 

I have reached out to both companies to request the Hard Inquiry be removed from my credit report. I did not " authorize '' anyone to perform Hard Pull of my credit on XXXX XXXX and would like this removed ASAP as it effects my credit score which having so many inquires within a short amount of time.

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