vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experience allegedly investigated on 2 accounts that were closed by my request in XX/XX/XXXX, they then began in XXXX and XXXX as new debt or lateness, the account is XXXX XXXX XXXX and XXXX XXXX both older accounts, yet Experian is still allowing as recent negligence

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 2020-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my second time reaching about about accounts on my credit that were not mine. There is still one account on there that I have not heard any response about. This is really embarrassing and holding me up from handling things. Please remove XXXX XXXX from my credit report. I have contacted XXXX Police and the FTC.

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 2020-02-28 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: NJ

Complaint narrative:
This is my second time reaching about about accounts on my credit that were not mine. There is still one account on there that I have not heard any response about. This is really embarrassing and holding me up from handling things. Please remove XXXX XXXX from my credit report. I have contacted XXXX Police and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
For the month of XX/XX/2019, apply for a loan at a bank in Puerto Rico. It was denied because an uncollectible debt of a Bank of America credit card appeared, which I had closed this account more than 10 years ago. I have tried to communicate with them to give me the details of the alleged debt I made at about {$6000.00}. They can not give me information by phone because they have no way of confirming my identity, since they do not use a social security number. I must present myself to a branch and in Puerto Rico there is no presence of this bank. This debt affected my credit, debt that I never had knowledge that I had because the account was closed, must have been fraudulent charges. The loan was not approved because it affected my empiric. Bank of America does not want to help me, I am XXXX years old and I have always had excellent credit, I am looking for alternatives to help me solve this issue. 
spoke with XXXX from Bank of America on XX/XX/XXXX. Also with XXXX and the answers have been that I have to go through a branch for account details because they can not confirm my identity with social security or address. The phone number that appears on the system is no longer available. I can't find what else to do, I'm very worried.

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 2020-02-28 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I called and mentioned that I made a payment and they made a report stating that my account was delinquent and it's not. They refused to reverse the report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I attempted to log in to my Capital One credit card account, as I do frequently. I received an email that my device was not recognized. The two options of verification offered involved my landline, which would not work. I clicked on a link provided if I needed another verification option. A number was displayed ( XXXX XXXX XXXX ). I phoned this number and received an automated recording that informed me Capital One no longer managed my credit card account and asked me to provide my full social security number, which I did. Immediately after providing my social security number, the call disconnected. I phoned Capital One and they have no explanation. This is not okay. I have given my full social security to a fraudulent company and now my identity has been compromised. I am holding Capital One fully responsible. Their site listed this number. What will be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am really trying to get someone to help me. I have been trying to help my brother with college and I reached out to you e.11 before about things on my credit that is not mine. Can you please remove from my credit so my baby brother can start back school. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT ED,  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are several inquiries as well that are not mine XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

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 2020-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I CONTACTED XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 

several inquires and application has been applied using my personal info i did not give consent nor did i give consent to open any accounts or loans

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 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Money was taking off my card and I been waiting for this money for at least like 3 weeks someone told me I was getting the money back then I talked to someone again and they said Im not getting the money they took from me it was denied sent me a letter saying that my account will remain overdrawn and I opt out of overdrafts then 2 days later someone sent me another letter out saying they credited money into my account which I never received and I been calling everyday for days straight

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am really trying to get someone to help me. I have been trying to help my brother with college and I reached out to you e.11 before about things on my credit that is not mine. Can you please remove from my credit so my baby brother can start back school. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are several inquiries as well that are not mine XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, ,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

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 2020-02-28 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: TX

Complaint narrative:
I am really trying to get someone to help me. I have been trying to help my brother with college and I reached out to you e.11 before about things on my credit that is not mine. Can you please remove from my credit so my baby brother can start back school. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX. There are several inquiries as well that are not mine 1 XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, ,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This complaint is about an XXXX store credit card with Comitity Capital Bank. I applied for the card in XXXX, XXXX and made one purchase. I did not receive a bill. I got the phone number to call from the actual store and I called for several days in XXXX trying to pay my bill and could not get through. When I finally got through on XX/XX/XXXX, I was told the computers were down and asked to call back later. When I called back, I was told it was after XXXX XXXX and my payment was officially late. Then I was told their policy was not to accept payments past XXXX XXXX and it was past that time. I was told that I would be charged a late fee. Then, the operator said it wasn't fair because their computers were not working properly. They took my debit card number to pay the bill then it would not accept it, saying it was not a debit card. Finally it took the card. I don't know what the problem was with their computers. Then, I was assured the late fee would be credited to me. I was told that he would credit a late fee of {$15.00} and I paid the balance in full. 

I received a call on XX/XX/XXXX from the credit card company. My balance is now {$65.00} and there was a payment due in XXXX, XXXX. The balance was due to a late payment in XXXX because I was not credited the full amount of the late fee and a late fee in XXXX for not paying the late fee in XXXX. I asked the company to correct it and refund the " late fees '' They refused to make it right. 

Then, I tried to pay the late fees balance with my normal bank card and I was told their system would not take the card because it was not a debit card. It is a debit card. This is also what happened before and it finally accepted the payment. Now I am suppose to call back later and try to make the payment again. 

The company is scamming people for " late fees '' making it difficult to pay them because of their computer problems and then charging fees. They are misleading consumers. Beware of the late fee charged after you have paid your account a few hours after the due date because of their computer problems. That late fee will also incur another late fee without notice. They are scammers. 

XXXX was the operator Her ID is XXXX Comitity Capital Bank Cust Service XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC
State: CT

Complaint narrative:
XX/XX/2020 to Present day- Repeat phone calls to my family members { as young as XXXX years old } and non related friends. XX/XX/2020-The debt collection company did not want to resolve the issue by accepting small payments or discuss other options, they said " We will consider this a refusal to pay '' and threatened my credit. I do live on a tight budget, so large payments are not possible.I am more than willing to work with them on resolving the issue, but the constant phone calls to my family and friends is harassment and can not be tolerated.

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 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Two issues : 1 ) Harrassment after being told to never call my number and add my number to their company do not call list. They've been calling daily or weekly for months. 

2 ) I recived a debt collection notice that included NO debt collection required information, purportedly from " XXXX '', but it appears likely that this is in fact from Portfolio Recovery and not actually related to XXXX at all. Especially since it includes " sale of this account to a third party '' and " do not send payments or correspondence to the above address ''. 

The problem when it happened : I ordered new SIMs for new cell phones online. The system would not allow me to order one for one of the devices, so I called in to add that device. The company could not find the order I had placed online and said it didn't exist. So they opened a new order and added all the devices ( including the one the online system couldn't handle '' ). 

When the order arrived, both sets of sims arrived. I called to activate and discussed the double order, they said to just keep them since they are free anyway and I could otherwise ignore them unless I some day needed extra sims. The SIMs I ordered on the phone worked fine, I used the account for over two years, no problems. But ... 

Then I got a collection notice several weeks later for the unused SIMs. No " invoice ''. No " overdue notice ''. Just straight to collections. I called in and XXXX cancelled the account ( this took OVER two hours! Recorded! ).  Unfortunately, the account rep on the phone didn't XXXX the balance before terminating the account due to a technicality related to a non-existent PIN number ( since there was no account ... no PIN ). I have a recording of this conversation from XX/XX/17, it lasted two hours and involved many bounces, people, and apologies. At the end of the two hour call, he said he'd fix the problem and call me back. But never did. It was never fixed. And I don't have another two hours to invest in NOT getting it fixed again. 

Now it's in collections and Portfolio Recovery refuses to stop calling me. They have called me dozens of times, often with fake caller IDs. They often hang up without talking on fake caller IDs and then call back from a new 800 # ( because I've blocked the previous one ) later and again ignore my " never call this number again, remove me from your calling lists, add me to your do not call list or I will sue you '' statement and just call back either later that day or in a few days from yet another fake number followed by another 800 #. 

Unfortunately I can not upload the audio recording since it's 258M.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28 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: AR

Complaint narrative:
I was told by my ban lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. They do not belong to me and I have never applied for those accounts reflecting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I applied for a credit card end was denied. I went home end look at my credit and see there is still things on there that is not mine. I thought this was taken care of but it was not. I should have just followed up and not took you all word. Please remove this stuff from my credit XXXX, XXXX XXXX, XXXX. I also see inquiries that are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX. I have contacted the FTC and the police.

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 2020-02-28 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: SC

Complaint narrative:
I have been XXXX  full time in a XXXX  XXXX  for 19 years. I decided to earn my XXXX XXXX XXXX and my XXXX XXXX XXXX XXXX certification. My original loan and XXXX XXXX was with XXXX College, SC. 
I submitted my first PSLF request that got denied based on wrong types of loans about 5 years ago. I had called my loan servicer XXXX XXXX XXXX   multiple times when the PSLF was announced being told by mulitple loan reps that I was on track for the forgiveness and had the correct loan. I was told to keep paying my minimum payment and at the end of 10 years the balance would be forgiven. So I was blatantly lied to. 
Then at the 10 year mark, I submitted the form only to be denied for the wrong loan types. I was then advised to move my loans to FedLoans service. They charged me about {$500.00} to consolidate my loans as well. I paid the consolidation fees and moved my loans. I have now paid on my loans for about 14 years. In the last couple months I found out about the Temporary Forgiveness Program so I was told to resubmit for PSLF and if it was denied I could then apply for the Temporary. The PSLF was denied yet again in XX/XX/2019. When I called to apply for the Temporary I was told yet again that I had the wrong loan types and couldn't even apply for the Temporary Forgiveness Program. 
Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: MA

Complaint narrative:
CLAIM # XXXX letter states it will be removed, it has not been done and my complaint started in XX/XX/2019 and then they said it would be removed from all the credit bureaus and as of today, it is not. then when I have XXXX called them to verify this they run into the problem of they ( XXXX/XXXX ) can not talk to them ( XXXX ) it is just a big run around between credit companies and 3 bureaus. and this is our lives they are playing with. I have been turned down by so many companies because of this and no body does nothing at all about this problem. including this consumer financial. they get paid to take down the notes and pass you along.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
CLAIM # XXXX letter states it will be removed, it has not been done and my complaint started in XX/XX/2019 and then they said it would be removed from all the credit bureaus and as of today, it is not. then when I have XXXX called them to verify this they run into the problem of they ( XXXX/XXXX ) can not talk to them ( XXXX ) it is just a big run around between credit companies and 3 bureaus. and this is our lives they are playing with. I have been turned down by so many companies because of this and no body does nothing at all about this problem. including this consumer financial. they get paid to take down the notes and pass you along.

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 2020-02-28 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: FL

Complaint narrative:
I CONTACTED Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 

several inquires and application has been applied using my personal info i did not give consent nor did i give consent to open any accounts or loans

Company response to consumer: Closed with explanation