vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: LA

Complaint narrative:
After viewing a copy of my report, I noticed a collection account placed on my credit report from Mercantile Adjustment Bureau , LLC on XX/XX/2019 in the amount of {$550.00}. First and foremost, I have confirmed that the debt collector, Mercantile Adjustment Bureau , LLC is not licensed in the state of Louisiana to collect on this debt. Secondly, Mercantile Adjustment Bureau , LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Mercantile Adjustment Bureau , LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Mercantile Adjustment Bureau , LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: NY

Complaint narrative:
I was told by several officers at fed loan servicing that when I began paying my student loans on XX/XX/XXXX ( under the graduated repayment plan ), that my payments would could towards public service loan forgiveness because my payments were higher than they would be under an income-drive repayment plan, which was the requirement for PSLF. In addition, loan officered ENCOURAGED me to stay on the graduated repayment plan for 5 years, stating that I would qualify for the teacher loan forgiveness program first, and that those 5 years would ALSO count towards public service loan forgiveness. I spoke to several officers and they assured me of these facts. I made payments from XXXX XX/XX/XXXX ( 34 payments ) before someone then told me that I do not qualify for public service loan forgiveness because I was not on the qualifying repayment plan. In addition, they told me that I can not double dip years between the teacher forgiveness program and the public service loan forgiveness. Therefore, I changed my repayment plan to an income based repayment plan and began payments under this qualifying repayment plan on XX/XX/XXXX. 
They are not counting my previous 34 payments towards forgiveness, despite the fact that they provided me this wrong information, and actually encouraged me to remain on this repayment plan saying that I could double dip years for teacher forgiveness and public. I am completely devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lexington Consumer Advocacy, LLC
State: GA

Complaint narrative:
I Still Have Old Credit When I Haven't Even Been Til A XXXX XXXX XXXX Before

Company response to consumer: Untimely response
Consumer complaint received 2019-05-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Contacted Wells Fargo via email, regular mail, and telephonically. Have failed to protect my personal information and have subject me to identity theft and preemptively filed a lawsuit seeking to declare the amount charged owed.

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 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is the worst! I have been trying to obtain my credit report for months. I have called and spend countless hours trying to fix this. Most of the time when I call, the system is updating and this is DAILY! They have my report and no one can access it. I am trying to refinance my house but my Equifax report is nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: Social Finance, Inc.
State: FL

Complaint narrative:
I got many calls today XX/XX/2019 from the same number XXXX and the people even left a voice message on my phone saying that they are calling from the Social Security on the voice mail it clearly states that they have found some very supspious activity with my SSN, I called the number back to see what the call was about and I was told that I am in trouble for money landing and drug trafficking the person said that his name was XXXX XXXX, I asked for an agent ID number and he told me ( XXXX ) the man tried to get me to give him my personal information and I was not willing to give my information the man then processed to tell me that My bank account is n the process of being frozen/ seeazed and that there is a warrant out for my assest the man then started to asked my have I ever been to the state of Texas and if so when was the last time I been there I then processed to hang up the phone and that's when I started getting back to back phone calls from the number non-stop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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:
Hi CFPB, I'm at a lost now and hope you can help me find resolution. I've had 4 of my Credit Cards closed by Citibank within the last 30 days, which dropped my credit score by 94 points. They closed it due to inactivity for the past 24 months, which is fair, but no amount of fair warning was provided nor was a non-harmful resolution available by Citi. 

I've had two cards open since XX/XX/XXXX and two cards open since XX/XX/XXXX. All four were extremely helpful to my credit score 's history length section. These cards have not been in use for the past 24+ months, some of them have been sitting idle for the past 5-6 years. 

It is in the Citi 's cardholder agreement that the cards will be cancelled after 24months of inactivity, but this closing was someone at Citi that never did their job and decided to close every credit card all at the same time in this one month. 

Furthermore, the notice they gave me was sent via their website and telling me my account is closed. No fair amount of warning time was provided to actually use the cards and give me a chance at retaining my credit history. The Citi.com website 's message also disappears and deletes itself quite quickly. 

When I chatted with the Web 's customer service help people, they all kept transferring me to the next person and finally told me to call the customer service desk. When I finally did, the agent told me they can submit to reopen each account and each one will require a Hard Pull on my credit report. This will drop my score even further. Citi refuses to help me in any other way and was more than happy to get me off the phone. 

I'm coming to you as a last resort since I'm sure my credit score will never bounce back and will take an additional 5+ years of new clean credit history to build it back up. 

Thank for reading my complain. I apologize in advance if this seems trivial to the major issues other Americans are facing.

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 2019-05-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Inquiries Attached is the letter from XXXX XXXX that states the inquiry from XXXX CARD date XX/XX/2017 should be removed. I don't now authorize this hard inquiry. 

I also noticed I still have an old inquiry from XX/XX/2017 that is still reporting I would like removed as well.

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 2019-05-27 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: DC

Complaint narrative:
My first complaint involves the unauthorized charge of XXXX to my account by the XXXX company in XXXX XXXX, MD. They accused me damaging panels underneath their vehicles and never contacted my car insurance company about this matter. The XXXX receipt only reflects my signature for a XXXX fee to rent the vehicle. I did not find out about the second charge of XXXX to my account until I received a billing statement for month XX/XX/2012. Ive contacted both XXXX and XXXX XXXX XXXX to resolve this matter in previous years. I still continue to see this inaccurate matter appearing on my credit statement undermining my credit score. I have disputed this matter XX/XX/2012. I strongly believe the XXXX company is unethical and totally unprofessional. I want consumers to beware of their practices and I want this matter removed 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 2019-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I called into American Express in XX/XX/XXXX, to explore new credit card options. I spoke with a customer service rep, XXXX, who was very helpful. We figured out which American Express Card would be the best for me, the Gold Card. XXXX asked if he can sign me up over the phone. I told him sure, as long as I receive the welcoming bonus of XXXX points if I spent {$10000.00} in the first 3 months, that was advertised online. He said it does not make a difference if I sign up online or over the phone, I will get the advertised welcome bonus. I signed up online, met the spending qualification in 3 months, and never received my points. I called in to AMEX, made a claim ( Icare # XXXX ). I explained the call was recorded and they can review the call. This was on XX/XX/XXXX, and I was supposed to hear back by XX/XX/XXXX. AMEX did not get back to me, I followed up once prior to XX/XX/XXXX, and once after. After XX/XX/XXXX, only when I followed up, they said they are not going to reward me the welcome bonus points. I called one last time XX/XX/XXXX and asked if I can review the call with them, because the welcoming bonus was discussed 100 % with XXXX in XXXX of XXXX, and it was also advertised on their website. Yesterday, XX/XX/XXXX, The custom service supervisor, her name was ( XXXX ), said there is nothing she can do on her end. So now I am seeking your help, please, in helping me retrieve my XXXX point welcome bonus from AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX originated my mortgage. They transferred my loan to Wells Fargo AFTER I made a payment. Wells Fargo is not showing that payment as having posted, but I already paid it weeks ago! 

Now I received a letter from Wells saying I have a payment due in only four days, and they aren't answering their phones.

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 2019-05-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I decided to take a look at my credit report and noticed that I had a hard inquiry from XXXX. I have no knowledge of anyone trying to get a XXXX account under my name. I been on XXXX account with my husband for the past 2 1/2 years, so their is no reason why I should have this on my records. I am disputing this as it was due to fraud, someone used my information to open a account with XXXX without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: TX

Complaint narrative:
I HAVE DISPUTED INFORMATION WITH EQUIFAX. THERE ARE ACCCOUNTS THAT I HAVE BEEN DISPUTING AND THEY STILL EXIST. OTHER BUREAU COULD NOT PROVIDE PROOF OF A CONTRACT FROM ME FROM THE CREDITOR WHO FURNISHED THE INFORMATION SO THEY DELETED IT ... BUT NOT EQUIFAX! I EVEN CALLED THEM AND ASKED THEY WHY HAVENT THEY REQUESTED AND RECEIVED PROOF, DOCUMENTS, CONTRACT ETC OF MINE FROM THE INFO PROVIDER AND THEY HAD NO EXPLANATION BUT TO OFFER TO DISPUTE AGAIN AND I GOT THE SAME RESULTS. THEY STILL NOT HAVE PROVIDED PROOF! 
AS required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. THEY WANT TO CONTINUE TO PLAY THIS GAME WITH ME SO I HAVE NOW TAKEN IT TO THIS LEVEL!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
So as of late 2018 ive been trying to get further information on a erroneous collection account that was placed on my credit file by XXXX  and Transunion.The company is XXXX XXXX XXXX XXXX with a balance of $ XXXX.This account was also posted to XXXX but has since been removed.I have written Transunion and XXXX  several times as well as the creditor, requesting all documents for the above account and neither have done so. Both credit bureaus have violated the FCRA section 601 ( a ) ( 1 ) ( a ) as well as section section 623 of the FCRA, and has since then refused to remove account from my credit file. XXXX  has removed this account from my credit file but Transunion and XXXX have failed to do so. After many letters and phone calls to the credit bureaus letting them know this is not my account, I wrote them asking for there Method of verification I received the response 30 plus days later, but the Bureaus are required to respond within 15 days when there is a request of ( Mov ) and I was sent back a phone number with no company name and no other details.The above account is also missing information witch is also relative to the FCRA. Transunion and XXXX   are not conducting proper investigations into this matter. Ive also hired an Attorney to help me thru my legal matters with XXXXXXXX XXXX audit as well as Transunion and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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 — Investigation took more than 30 days
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
So as of late 2018 ive been trying to get further information on a erroneous collection account that was placed on my credit file by XXXX and XXXX.The company is NCAC/National credit audit corporation with a balance of $ XXXX.This account was also posted to XXXX  but has since been removed.I have written XXXX and XXXX several times as well as the creditor, requesting all documents for the above account and neither have done so. Both credit bureaus have violated the FCRA section 601 ( a ) ( 1 ) ( a ) as well as section section 623 of the FCRA, and has since then refused to remove account from my credit file. XXXX  has removed this account from my credit file but XXXX  and XXXX have failed to do so. After many letters and phone calls to the credit bureaus letting them know this is not my account, I wrote them asking for there Method of verification I received the response 30 plus days later, but the Bureaus are required to respond within 15 days when there is a request of ( Mov ) and I was sent back a phone number with no company name and no other details.The above account is also missing information witch is also relative to the FCRA. XXXX and XXXX are not conducting proper investigations into this matter. Ive also hired an Attorney to help me thru my legal matters with NCAC/National Credit audit as well as XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: TN

Complaint narrative:
I have submitted a police report of fraud/identity theft and valid information showing that the XXXX XXXX account and several other accounts that Equifax is reporting is incorrect but they continue to drag their feet and send the same results each time. " Company verified account accurate '', is the response I gotten. I asked for an explanation/documentation but I was told several times its on the way. Guess what? I never received it. I would like these accounts removed immediately because for one it is taken over 6 months for an investigation and I haven't gotten the compliance that I should from Equifax according to the fair credit laws. They are the only bureau reporting this incorrect information at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/2019 I received a copy of my credit report that shows 5 different listings of loan balances from Dept of Ed/ Naviet on all the credit bureaus with the following amounts listed : {$37000.00}, {$2000.00}, {$2100.00}, {$1400.00} and {$4300.00}. I have no knowledge of theses accounts as they do not belong to me. I sent in disputes and received a packet dates XX/XX/182019 with prommissary notes enclosed with 4 different signatures thats not mines. I'm requested Dept of Ed/Navient removed ALL Listings from my XXXX, XXXX and XXXX credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Used Venmo to transfer XXXX, was double charged. Second charge did not go to the other person, nor did it show up on my Venmo   statement. Venmo  charged two distinct transactions with different transaction numbers, but only one was authorized. Money hasn't been returned for five days now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, DOB XXXX SS XXXX I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a few issues with account that have been Paid in full with the Origianl Creditors still showing up on my credit report. please remove/delete the following items 1.XXXX COURT XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 5.XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Not sure how these Paid account got listed when most of them are still in court. They are not accurate please delete them.This is the 3rd time I have requested documentation for them under 623 FCRA.

Company response to consumer: Closed with non-monetary relief