vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 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: IL

Complaint narrative:
The Experian credit reporting agency needs to have the following hard inquiries deleted from my report because it has been over 7 years. 

XXXX inquiry made on XXXX of 2017 XXXX inquiry made on XX/XX/2017 Please delete these inquiries immediately. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened my Lowes credit card in XXXX. Since then I have charged and paid it off multiple times. With in the last year they increased my limit to XXXX. I charged and paid it off. They decreased my limit 2-3 in the last 6 months. I paid it off again in XX/XX/XXXX. They decreased my limit down to {$180.00} ... stating they checked my credit and its because of my score. My credit score is the same as it has been since Ive had the card. I just requested an increase back to XXXX and they denied it. I have 100 % on time payments on my credit report. I find that their constant credit checks multiple times a year to be intrusive. Also raising someones credit limit then when they pay it off to lower it is also hindering someones credit score. I dont feel what they are doing is legal nor right. I want this looked into. How many times a year can a credit card company lower and raise a limit? How many times are they allowed to check your credit in a year? If a customer is paying their bill and the limit never carries long then why would you treat them in this manner? They already charge extremely high interest ....

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 2019-04-23 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: CA

Complaint narrative:
two collections are reporting under my equifax credit file, this credit reporting agency is reporting anything they want, i have disputed and each time they say it has been verified, but i have even called the creditors they do not even have my name in their data base, please hep me to have these inaccuracies removed from equifax credit bureaus thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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: OR

Complaint narrative:
I have had ongoing issue related to communication and customer service with Fedloan Servicing. I am taking advantage of the Income-Driven Repayment Plan and Public Service Loan Forgiveness programs and Fedloan Servicing is making it nearly impossible to participate. I  have submitted the required paperwork for both programs as required and every time I need to re-certify or send in new documentation, there is a problem. For example, this year on XX/XX/19, I received an email stating that I would need to re-certify my Income-Driven Repayment plan. 
The email stated that " in about 2 months, look for another communication from us with easy instructions and a direct link to recertify online '' and " If we do not receive your completed application and all supporting documentation within 10 days of XX/XX/2019, your monthly payment will increase to {$930.00}, first due on XX/XX/2019 ''. I decided to re-certify early given my experiences with Fedloan Servicing in the past. As of today, XX/XX/19, I have not received the email described above.

On XX/XX/19, I submitted my Income-Driven Repayment Plan documentation including the application and my tax return. On XX/XX/19, I received an email stating that my application was incomplete and that I would have to wait for a letter in the mail to explain what exactly was missing from my application. I uploaded my tax documentation again and called Fedloan Servicing on XX/XX/19 after not receiving any letter in the mail. The representative I spoke with was able to see both my application and tax information had been uploaded but was unable to tell me why my application was considered incomplete. I was then transferred to another section and told I would be on hold for more than 20 minutes. There is absolutely no reason why it should be this difficult to get a simple answer about an application for re-certification. I am still waiting to receive a response by email, mail or phone regarding this issue.

I have also submitted the paperwork for Public Service Loan Forgiveness Program. My initial employment certification was approved but when I switched employers and sent in my new certification, I received a letter stating the the form I had used was out of date. On the form, was the date the form was valid until. I completed and submitted the form well before that date. I called Fedloan regarding this issue and was told they would fix the problem. Several months later, I called again and was told that they had not fixed the problem and that I would need to submit a new form. Every time I have an issue with this company, I am told it will be taken care of and then it isn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Credit Card was lost/stolen. I reported it immediately & was told that they had closed this particular card. I was told the amount charged that I was not liable for & would not be reported on my credit. However, XXXX  is still reporting this fraud charge on my credit report. I spoke with XXXX XXXX & was told that the amount in question was not on my account. XXXX needs to re-investigate and clear this up on 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 monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC
State: NV

Complaint narrative:
XXXX XXXX  XXXX is calling me repeateddly leaving me messages. I called them back and they are harrassing me over my sisters supposed debt. She does not know who they are and they say I am listed on the contractual agreement and that is why they can call me to harrass me about her debt. They said they were contacting me to give my sister their number but before I called them out they were leaving messages as if it were my debt and they wanted me to pay it. There is no such debt nor contract with my name on it. I have never signed a contract with my sister as a secondary party to anything in my life. They will not send me or rad me the contact. Pure harrassment!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: ND

Complaint narrative:
Equifax and XXXX   are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
XXXX  XXXX XXXX Account No XXXXXXXX Nelson & Kennard File No XXXX-XXXX-XXXX Current Balance {$5400.00} I had XXXX  XXXX XXXX Credit Card and the debt collection company has sent the letter either payment plan or debt settlement. Instead of talking over the phone, I have sent out the letter requesting the statement copies and charges of fees or interests. 

While I was waiting for the response, I have received the letter from the law firm Nelson & Kennard XXXX XXXX XXXX XXXX, CA XXXX Tel : XXXX-XXXX-XXXX Fax : XXXX-XXXX-XXXX requesting I have 30 days to pay the balance or legal lawsuit will be filed for a judgment. It is asking to send the letter to dispute or respond which I have sent. 

I still do not have records of how the charges came about or the collection company looking into payment plan or reduction of the balance amount. 

I need consumer finance to involve to see this case so I can get the clear picture of the debt and the interest and other charges before I commit to the payment and the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: ND

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
recently review my credit file and noticed an error. Bankruptcy reporting requested method of verification from all three major credit bureaus and validation. the sent me a copy of the report stating that XXXX XXXX is the provider of this information. All third party credit providers can only have the last four numbers of a social security number and that is no sufficient proof for validation. I also have my public records information suppressed with XXXX XXXX and this information can not be shared. so, how are the credit bureaus verifying this informatioin

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 2019-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I went into XXXX XXXX to check out the school. They had me take a test and told me that i could start immediately because i did so well. Just in talking with them they had already run everything and had me enrolled in classes before i really had time to think about it. XXXX XXXX, told me that my student loans would mostly be taken care of with Grants and that I would have very low interest rates because it was a student loan. In the second year of attending I found out that most of my schooling was private loans and some gov loans and that the interest rates were form 7-12 %. I graduated being told that i would make XXXX and up in the XXXX field. Come to find out this was also not true. Also that XXXX would always help me with resumes and finding a job. Shortly after graduating the career counselor would not see me or answer my calls. They also told me that my credits would transfer and i found out later that not 1 credit would go to any other school. I never would have gone here if i knew all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Contacted Bank of America credit card division that I was having trouble making my payment. Asked to speak to supervisors on each call ( six calls in total ) and all advised that if payment was made by statement cycle date of XX/XX/19 that account would not be reported 30 days derogatory to credit bureaus. Payment made on XX/XX/19 at XXXX central time and email confirmation received. Payment made via automated system and it states that payment will be made with posting date of XX/XX/19 but could take a few business days to reflect in balance. Manger phone call on XX/XX/19 left notes that state my concern about credit reporting and she said if payment made by the following day it would be okay. Manager notes on XX/XX/19 state that no negative credit reporting will be made. All five managers I spoke to advised if payment made by cycle date there would no negative credit reporting. Also XXXX statement does not even show transaction date of payment for XX/XX/2019 but Bank of America online account activity shows transaction date of XX/XX/19. Please honor what all have told me and please remove the 30 day derogatory mark from my credit report. 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 explanation
Consumer complaint received 2019-04-23 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: CA

Complaint narrative:
Equifax has persistently listed incorrect information in the credit report. 
1. They list 6 addresses for me when I have had only 3 residences in the last 20 years. Two of the addresses listed are former office addresses for businesses I owned over 18 years ago. One of the other addresses is inaccurate - a typo of a legitimate address. Several of the addresses are erroneously listed as current and the dates for all are incorrect. This has become a problem because it is at odds with rental history information I provide to potential landlords and credit sources. My residential addresses must be corrected. 

2. In XX/XX/2018 I reported an unrecognized purchase using my bank debit card to my bank. Equifax has placed a seven year fraud alert on my credit report, where none is needed. That bank card was cancelled by the bank immediately. The fraud alert was recently reported to a landlord reporting service as though I was the fraud perpetrator rather than the victim! The fraud alert should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: MS

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on XXXX XXXX CU partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
Under the ( FDCPA ) initimadting actions and pretending to be somebody else I received an email from a XXXX XXXX ( Settlement Department ) stating this was my final notice otherwise I could be prosecuted on this matter. Went as far as stating in the letter that they would fax the issue to my current employer to make sure they take strict actions again me. and my salary and wages be confiscated.I recieved this email on XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP
State: CT

Complaint narrative:
I received a collections notice from US Bank on XX/XX/XXXX for end of lease fees owed on a lease that was terminated in XX/XX/XXXX. The fees owed were related to local property taxes for the XX/XX/XXXX - XX/XX/XXXX tax period. The amount was pro-rated, and I checked with the Town to ensure that the tax amount was correct and payment was made by US Bank. However, I continued to receive multiple notices of collections from US Bank and was unable to reach a representative to confirm information upon receipt of the first notice ( lines busy, long hold times ). I paid the amount due, and then received three more collections notices. When I call Customer service, they acknowledge the payment made, but I continue to receive collections notices. 

Again, my lease ended XX/XX/XXXX ( and was not an early termination ). There had been no other contact prior to XX/XX/XXXX. 

Additionally, during the time of my lease with US Bank, I had at least three occasions of payments not pulled according to the automatic payment settings, and at least 2 instances of lack of notification of taxes paid, followed by late payment notifications because my auto pay was not set up to cover the tax amount. the web portal for account information never showed a payment history. I was forced to call each month for an update. When attempting to contact US Bank about this, I was told they were aware of the technical glitch and that it was being addressed.

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 2019-04-23 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: I.C. System, Inc.
State: MD

Complaint narrative:
Hi. I dont contacted this company about reporting on my credit report. I asked why they are reporting false information on my report. She asked my address said no match and asked my last 4 of social and then stated thats not what they have but they are reporting on my credit report - proof attached - clearly her comments show its inaccurate and by Federal law should be deleted immediately!

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 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
In a good faith effort to resolve the matter amicably, I must demand proof of this debt as I know I owe your company no money and no debt it owed or has been fulfilled in full, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. If this can not be provided ASAP, please deleted these accounts from all 3 credit bureaus immediately. Please also provide a letter on your company letterhead stating that this account will be delete, and upload to CFPB portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: F.H. Cann & Associates, Inc.
State: NH

Complaint narrative:
They have not stopped. First on XX/XX/2019 they repeatedly kept calling me. I would answer their call and hit mute and listen to her speaking, asking for me. " Hello, hello hello. '' I refuse to speak through them through the phone, so the next day, XX/XX/XXXX, I mailed a notice to ask them to please quit calling me and to either snail mail or email. 
They didn't listen. Friday, XX/XX/XXXX they called my partner ( I never gave them his information ) and then also my mother. They told my mother that if she didn't get a hold of me next they would call my work. Well, today, XX/XX/2019, they called my work. This is after I told them not to contact me in any other method than in writing. Especially NOT to call me at work. 

XXXX, who is employed at XXXX. XXXX XXXX XXXX, a debt collector, has repeatedly called me and harassed me when I have given specific instructions. Next it'll be a call to my attorney and lucky for me I work at a law firm. It'll cost me nothing to pursue them for damages. 

XXXX XXXX should be fined. THEY are not above the law. I CAN NOT PAY THIS DEBT AT THIS TIME and I have told them repeatedly. 

They have harassed family members and now my place of employment.

Company response to consumer: Closed with explanation