vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: MD

Complaint narrative:
I got a private student loan to finance my XXXX expenses. I graduated in XXXX of XXXX. I then went to XXXX XXXX in XXXX of XXXX. Discover agreed to defer my loan payments until six months after I XXXX XXXX XXXX. I graduated in XXXX of XXXX. In XXXX of XXXX Discover decided that my loan was all of the sudden due on XX/XX/XXXX ( in violation of the agreement we had made ). After refusing to pay on my loan until XXXX as we had agreed discover began to endlessly harass me via autodialed phone calls. I called in XXXX to attempt to straighten things out. Discover 's agents said I could upload my transcripts to show I had been in school and that they would undo any actions they took that would undermine my credit score. I uploaded my transcripts. 
Discover all of the sudden said that was inadequate and asked for a certified letter with my dates of attendance. I called and explained yet again that I had graduated in XXXX of XXXX and my first payment should be due in XXXX. The agent on the phone said that is 100 % correct and I asked several times for her to confirm my payment due to date was now in XXXX. She replied in the affirmative. Discover decided to continually harass me anyways so I called yet again and explained the situation. Discover agent then told me to upload a certified letter with my dates of attendance and said if i returned to school the grace period would indeed be 6 months after I graduated my new school AND they would undo any actions they took against my credit score. I sent the letter and then was harassed yet again by auto calls. I called yet again and this agent said I had spent 6 months out of school between XXXX XXXX and XXXX and the grace period actually ended in XXXX of XXXX. I explained what I was told by the other agent and he did not seem to care and continued to just mindlessly read off of his script. He also explained that I missed fall of XXXX ( which was untrue I attended class in XXXX but spent a month in the hospital with a life threatening illness ) so even if I went back to school the grace period once again lapsed once I went to the hospital and demanded I make payment or my loans would default. 

In some discover made willful misrepresentations on the status of my loan. Lied about the grace period several times and reported fraudulent information that adversely affected my credit score. Not really surprising though because Discover did get sued by the federal government for deceptive trade practices. I'm looking forward to their canned response where they admit no fault and pretend to be sorry for the deceptive trade practices they employed against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has reported a collection on my credit report that was paid by my insurance company. The orginal collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has been reported by mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: TX

Complaint narrative:
XXXX XXXX XXXX has reported a collection on my credit report that was paid by my insurance company. The orginal collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has been reported by mistake.

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 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
In XX/XX/2019, I upgraded my existing AMEX Hilton card to their offering AMEX Hilton surpass card. They offered a bonus of XXXX bonus points on a spend of XXXX dollars. I made the spend and got the bonus in XX/XX/2019. Later in XX/XX/2019, i decided to downgrade my card to a non annual fee card. Later on XX/XX/XXXX, when I logged into my account, I was presented the offer to upgrade to surpass card again with the offer to earn XXXX bonus points after spending XXXX dollars. As i had a big spend coming up, I upgraded the card once again and made the spend. Amex now refuses to honor the bonus points as they claim they already gave to me in XXXX. They confirmed over chat by Mr. XXXX that I was actually offered the upgrade with the above offer but I am not eligible as per terms and conditions. Given AMEX already knew I had the card earlier in the year and I had already redeemed the offer once, why did they even present me to upgrade the card again with the same offer. They are misleading the customers in this case by offering something they know they won't honor. When i ask for a copy of online contract I signed during upgrade via chat, they refuse to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These accounts aren't mine that need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: CA

Complaint narrative:
CMC Loan Servicing gave me loan numbers for two of my mortgages with them when they bought my loans. I then set up automatic payments using those loan numbers. They then switched the loan numbers without giving me any notice of the change. So, my automatic payments were going to the old loan numbers. They then turned around and said I have not paid for two months. I called in and explained what happened. They assured me that they would take care of it, but did not. Then I had my bank call them and showed them proof of payments. They said they would fix it, they did not. Now I just received a Notice to Foreclose on those 2 properties. I called them back. No one returns my calls. This is by far the most horrible company I have ever done business with. My next call is to a lawyer. The one after that to all the regulatory agencies I can find to let them know what they are doing. For XXXX XXXX XXXX. XXXX, MS , the first house, the old loan number is XXXX. The new loan number is XXXX. For XXXX XXXX XXXX XXXX, MS the old loan number is XXXX. The new loan number is XXXX. The payments that according to them I did not pay are for XXXX and XXXX, but I did pay them. They have also negatively impacted my credit score because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The items listed arent mine.

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 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Balance {$400.00} Highest Balance {$400.00} Opened XX/XX/2018 ( 10 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes after resolution Collection account Original Creditor Name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The items listed arent mine.

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 2019-10-23 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: NV

Complaint narrative:
The items listed arent mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These medical bills aren't mine.

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 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These medical bills aren't mine.

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 2019-10-23 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: NV

Complaint narrative:
These medical bills aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a savings and checking account totaling over 10,000 and linked them to my current online credit card account. I was locked out of my account due to not receiving my debit card. I called 9 times / over 3 hours and kept getting transferred and hung up on XX/XX/XXXX. I asked to have my checking and savings closed because i had linked them to my credit cards and could not access my credit cards because i could not access my checking until the debit card arrived. I finally got someone to unlink my credit cards so i could create an accessible account for them and still do not have access to the banking and savings account and Do not know what is going on with the money i have in them. The debit card arrived today and i am still unable to access the account with that info. The savings account and checking account has over 15,000 and i have no way to access the account to know if they actually closed it. I dont know where my money is and have no access to it.

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 2019-10-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern : THese accounts do not belong to my, and needs to be remove from my credit, I have been victim of identity theft due to pass and recent data breaches my information had been expoused resulting in this fraudulent 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 non-monetary relief
Consumer complaint received 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-23 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: TX

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : THese accounts do not belong to my, and needs to be remove from my credit, I have been victim of identity theft due to pass and recent data breaches my information had been expoused resulting in this fraudulent 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 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have one derogetory mark on my credit report and I paid that off. It is still on my credit report. It seems to me that you guys are quick to drag down my credit and when I pay all of my debt off, it takes forever to get a positive score. This is very frustrating for the consumer. I am doing everything to get a 700 or above score and you guys make this process very frustrating.

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 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX is reporting a collection on my credit report that has been paid in full. XXXX XXXX XXXX is the original creditor.

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 2019-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I received a letter in the mail on XX/XX/19 stating I had an auto loan debt which was now in their office for collection. It stated I owed {$11000.00} and gave me 3 different options to settle the amount. This is an account that has already been paid therefore I called them to tell them that and they hung up on me as soon as I said I wasnt paying because the account was paid for and they were doing fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Switched to paperless billing on my chase freedom card due to being sent an offer of an additional {$5.00} in rewards credits after 8-10 weeks. Switched to paperless on XX/XX/XXXX and I still do not have that reward that was promised yet. Everytime I call I get a new date that is promised that it will be rewarded on. I called again today ( XX/XX/XXXX ) and am now being told that I am only at 8 weeks from XX/XX/XXXX from some reason. I told them that this wait that wait along with a different answer everytime is getting ridiculous and they didnt offer any additional help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a new Citi AAdvantage Executive Mastercard on XX/XX/2019. I was approved with a credit limit of {$15000.00} and was told the new card would be mailed to my US home address in the next 7-10 days. 

During this time I relocated to XXXX. I called Citi on multiple occasions to request for a replacement card to be mailed to me here in XXXX. Despite multiple attempts, and the phone agents assuring me it will arrive at my XXXX address, I always learn that the replacement card ends up being re-routed to my home address in the US instead, which I no longer reside in.

It has now been 7 weeks since my card was approved. The {$450.00} annual fee has already been charged, and I haven't received the card. There seem to be regulatory issues for sending a card to a foreign address, and if so, I would like to understand why. 

I have been a Citi customer for over 10 years, with other Citi credit cards open and in good standing. This should be a simple, straightforward request. I hope someone can assist asap. 

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 non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: P.S.C., Inc
State: WA

Complaint narrative:
Puget Sound Collections XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This company is sending me fake bill without any valid bill ( XX/XX/19 ). It says creditor XXXX XXXX XXXX without any address of the creditor. I do not owe any bill. I believe this is a fake company. I'm not sure how does my personal information is leaked from the hospital which this company is using it for fraudulent purposes.

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 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
We received a notice from Hayt, Hayt & Landau, PL threatening to sue me for falsified debt with inflated and falsified interests, penalties and late fees on a debt they titled as XXXX XXXX without identifying the exact creditor XXXX whom the falsified and inflated erroneous debt is relating to. I also assigned this to my legal attorney whom they refused to contact after their office made several attempts to reach someone in the Hayt, Hayt and Landau, PL firm. No one returned our lawyers call and this firm is attempting to damage our credit and collect on falsified information. Also, XXXX XXXX  has retailiated against me because I raised a dispute with XXXX and XXXX Credit Bureaus and shortly after I disputed the debt ; they immediately filed a law suit against me in XXXX County Magistrate Court which is also a form of discrimination because I am a XXXX XXXX XXXX   female who is also a U.S. Veteran. This firm also made false accusations stating that I am not a U.S. Veteran by reaching out to SCRA in an attempt to collect excessive monies not owed. Also, I previously notified XXXX XXXX of our status in 2017 regarding our daughter who was hospitalized for 34 Days including XXXX for a XXXX XXXX condition which was a XXXX experience for my daughter which left my husband and I very emotionally distraught. I have made several attempts to be relived from this falsified claim and have a lawyer assigned to this case and am requesting that all communications that Hayt, Hayt, & Landau PL claim they have and any attempt to serve be communicated with my law firm whom they have ignored. The law firm they need to reach out to regarding this matter is XXXX XXXX XXXX, XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation