vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a dispute with Equifax because of Identity Theft and attached a police report and FTC and they have not removed the items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was at XXXX trying to buy a car today XX/XX/19 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am complaining against Macy 's as they are taking aggressive steps to request payment on my Macy 's Credit Card. 

I contacted a CSR on XX/XX/2019 ; expressing a hardship, and they Debt Collection Agencies have contacted me on EVERY day ( At times, 4-5 times a day ; including weekends ; and after XXXX XXXX. ) since ( Including Today ) calling requesting payment.

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 2020-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XX/XX/2019 made an online XXXX purchase, receiving a 12 month same as cash thru Comenity Capital Bank. So I thought until I received my invoice. After a year of going back and fourth with XXXX, Comenity Bank and XXXX, the bank is refusing to honor the special financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: MD

Complaint narrative:
On XX/XX/XXXX I contacted Nelnet to renew my income contingent repayment plan. The representative informed me of the Repaye repayment plan and placed my account into an administrative forbearance until XX/XX/XXXX to get the paperwork processed. On XX/XX/XXXX I reviewed my credit report which showed my account as 90 days past due. I called Nelnet on XX/XX/XXXX to discuss the status of my account which was thought to be in a " forbearance '' status pending re-certification. 

Upon speaking with several representatives on XX/XX/XXXX it was revealed that the representative whom I had spoken with on XX/XX/XXXX provided incorrect information. I was not eligible to switch repayment plans nor was I eligible for an administrative forbearance because I have parent plus loans included in my direct loan consolidation. 

The customer service rep stated they tried to contact me via telephone but there is no record of a phone call nor voicemail to substantiate this. My credit is ruined due to misinformation provided on behalf of a Nelnet customer service agent. I should have been offered a Hardship forbearance as I was offered on XX/XX/XXXX to bring the account current while I re-certify. 

In summary, Nelnet needs to remove the negative reporting from my credit report and do a better job training employees. I am totally disgusted by the companies lack of integrity and unwillingness to correct a severe mistake. I am will to sue this company to have my credit restored. This is a consumer nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was at XXXX trying to buy a car today XX/XX/19 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was at XXXX trying to buy a car today XX/XX/19 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.

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 2020-01-06 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: World Acceptance Corporation
State: SC

Complaint narrative:
Ive paid World Finance and the information is still reporting on my credit. As charged off and not paid in full. Ive been disputing this information since XX/XX/2018, and it has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
On XX/XX/2019 I scheduled two payments with my mortgage company, Mr. Cooper. {$620.00} was to be processed that day. The next payment was for {$1200.00} to be withdrawn on XX/XX/2019. 

The representative read back and confirmed the payments with me however she processed all of the payments that day. This caused my checking account to become overdrawn by a very large amount and my bank refused to place a stop payment on the transaction. 

I contacted Mr. Cooper who admitted that that they were at fault by withdrawing the money early but refused to offer any additional assistance in rectifying the situation. 

They have told me that the money was returned but it has not been. I am now facing foreclosure anf have tried to send additional payments but they have all been returned by Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
XXXX XXXX was deleted from my report inXX/XX/XXXX, from XXXX, XXXX and XXXX after disputing unverified and inaccurate information that did not belong to me nor on my credit report. At that given time, XXXX XXXX which is the original creditor, has XXXX XXXX XXXX ( XXXX ) has the collection agency. Now, In XX/XX/XXXX, the SAME bill, is not under Diversified Consultants. This information and tactic is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit inquiries on my report that I don't recognize.

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX IS REPORTING I OWE {$2800.00} WHICH I DO NOT OWE I HAVE ASK FOR EVERY PURCHASE MADE ON THIS ACCOUNT THEY SAID THEY COULD NOT PROVIDE ME WITH THAT INFORMATION OR THEY SAID THEY COULD NOT PROVE THAT I OWE THIS MONEY OR THAT I MADE THESE PURCHASES ON THIS ACCOUNT OR CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX IS REPORTING I OWE {$2800.00} WHICH I DO NOT OWE I HAVE ASK FOR EVERY PURCHASE MADE ON THIS ACCOUNT THEY SAID THEY COULD NOT PROVIDE ME WITH THAT INFORMATION OR THEY SAID THEY COULD NOT PROVE THAT I OWE THIS MONEY OR THAT I MADE THESE PURCHASES ON THIS ACCOUNT OR CARD

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 2020-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, Southern Credit Recovery reported a medical collection on my credit report. This collection was placed on my credit report without any prior communication ( written or verbal ) and without validation of the debt. 

In addition, I had no prior knowledge that this account was being handled by Southern Credit Recovery as I was never properly informed by them. Because I have never received any information about this account, I was not given the opportunity to acknowledge or dispute the account before they placed it into collection status, which violated my rights per the Fair Debt Collection Practices Act. 

On XX/XX/XXXX, I discovered a medical collection account in the amount of {$4400.00} had been placed on my credit report, at which time I contacted SCR via the phone number on my credit report to get the following details : Details : XX/XX/XXXX I moved and had a change of address. All my other mail and bills have been forwarded to my new address with no problem. 

XX/XX/XXXX Per an employee, they have a record of 2 letters being returned to them for a bad address. They also claimed to have attempted 7 phone calls but did not leave messages. 

XX/XX/XXXX The second ( and last ) letter was mailed to me and returned again for a bad address. Its important to note that the collection agency had been informed of my correct/current address because they tried to update it in their system. However, a SCR employee inputted the house number wrong in their system by one digit. Because of the error of the SCR employee, I never received any further written correspondence from them.

Summary : SCR had been made aware of my current address because they tried to update it in their system. An error on their part prevented the second letter to be mailed to my correct address. Had they inputted and updated my correct address, I would have received proper written correspondence per the Fair Debt Collections Practices Act and I would have begun repaying the debt. Instead, no further communication was received from them and they then proceeded to place a medical collection on my credit report without validating my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
This complaint is about PayPal holding my money and refusing to release it to me. They are holding the funds without my consent and are acting arbitrarily in this matter. They have been unable to provide an explanation for why they will not release my money to me. 

On XX/XX/2020, I received a payment of funds into my PayPal account. The amount transferred was {$2600.00}. When I went to withdraw these funds online, the system would not allow me to complete a full withdrawal. The maximum they would disburse to me was {$1000.00} each month. 

I called customer service on XX/XX/2020 about this issue. I requested they release the entirety of my funds to me. This request was denied by a person who identified herself as a Supervisor. 

By way of explanation, the Supervisor at PayPal said that " government regulators '' require them to verify customer information. In order to " verify '' my account, I would have to link a bank account with my PayPal account. By linking the account, I would have to provide PayPal with my bank account 's password, and also authorize PayPal to make withdrawals from my bank account! The Supervisor at PayPal said that I had to take these steps if I wanted to receive my funds. 

PayPal provides an option to transfer funds via my Debit Card for a 1 % fee. In my case, this would be a fee of {$26.00}! 

I repeated my request to have my funds released to me, and the representatives at PayPal refused. They also said that there were no other administrative options to pursue this further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit inquiries on my report that I don't recognize.

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit inquiries on my report that I don't recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armada Corp.
State: WA

Complaint narrative:
Found the debt on my credit report. I have tried to reach the collecting agency Armada Corp phone number XXXX. I tried to contact the XXXX clinic of the XXXX. They gave me the phone number of the billing department for them which is XXXX XXXX. They couldn't find my debt anywhere. I tried for a month unsuccessfully. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I initiated a dispute on XX/XX/XXXX regarding a charge of {$890.00} for a Two-Day tour for me and my XXXX year old daughter in XXXX. I paid for this tour with the XXXX XXXX. I also paid for my flight tickets with the same card. I booked the fights for XX/XX/XXXX. 
I booked the tour for XX/XX/XXXX, but made a reservation on XX/XX/XXXX. When I received a ticket voucher with a date of XX/XX/XXXX, I thought it was a date when I made a booking. I contacted the XXXX XXXX  on XX/XX/XXXX and specified that I am interested in the tours after XX/XX/XXXX. 

It turns out to be that on the voucher, was an actual date of the tour. However, I never booked the tour for that date. I also never received any communication from the XXXX XXXX   informing me that I missed it. 

The Billing Dispute Department did not offer my any assistance and basically informed me that the charge was valid. I disagreed with that decision. The Billing Dispute reopened my claim after I provided the additional information. And once again I received the same response : the charge is valid. I can only deduce from this transactions that the department even did not review the additional documents I sent. When I tried to get in touch with the manager, they told me the manager was unavailable and will get in touch with me. The manager left me a voice mail and when I tried to reach her, I spent 30 minutes on the phone and still was unable to talk to her. 
I have never dealt with such a poor customer service.

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 2020-01-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: MD

Complaint narrative:
I REQUESTED A COPY OF MY CREDIT FILE WITH EQUIFAX IN XX/XX/2019. AND I RECEIVED A LETTER FROM THEM SAYING THAT I DONT HAVE A FILE. HOW I THIS POSSIBLE WHEN I SEE A FILE ON XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-06 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XXXX I opened a Barclays Card XXXX XXXX Master Card, a promotional offer on an XXXX XXXX flight. I subsequently never used the card. On XXXX XXXX, XXXX I was advised the account has been closed due to delinquency. I contacted Barclays on XXXX XXXX, XXXX. A " representative '' researched the account, found the {$99.00} amount " due '' was only for an annual membership renewal and that I had never used the account. I stated I wanted the account closed, the membership fee credited and the derogatory delinquent status removed from the credit bureau reporting. The representative, after looking at my other XXXX Barclay Card long history and good-standing, stated that he would do precisely that. I was provided a case # XXXX. I have since found the derogatory status has reduced my XXXX score from XXXX to XXXX. 
I contacted Barclays today as I had previously requested to be copied on communications to the credit bureaus. The " representative '' today was much less helpful, unable to provide confirmation of anything ( other than confirmation of the case # ) and  basically told me to file a claim with " FCRA ''. I do not feel that Barclays is cooperating in this matter in a timely nor professional, informative matter. I would like reassurance that the proper, agreed upon info is sent to the credit reporting agencies.

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