vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Please refer to previously closed complaint : XXXX. 

More fraudulent charges have been attached to my B of A account. My current statement includes these fraudulent charges amounting to {$150.00}. This has now been happening continually for over two and a half years since the credit card was reported stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MA

Complaint narrative:
National Recovery has failed numerous times to notify me it's intent to report an alleged debt to the credit card bureaus. On XX/XX/2019, I had received notification from XXXX XXXX that there was an added derogatory account. National Recovery had failed to provide me a 30-day notice to dispute the debt. The company will receive a notice demanding them to provide validity of this debt within 30 days of the date they receive the letter. This is not the first time they had failed to provide me with notification of an alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: IL

Complaint narrative:
I mailed, by US Postal Certified Mail, Experian a Federal Trade Commission Identity Theft Report on XX/XX/2018, letter attached, which contained five credit cards and/or personal loans that were reporting on my credit report and are fraudulent. Experian did remove/delete all except a XXXX XXXX account. I then mailed XXXX, by US Postal Certified Mail, what was required which was also the Identity Theft Report. Until today, both Experian and XXXX have still not removed this fraudulent account from my credit report. XXXX mailed me a letter, dated XX/XX/2018, who claim they conducted their investigation and will not report this account on my credit report but still are. All documents will be uploaded here as proof. XXXX also claims that the address statements were mailed to were also fraudulent and was reported on the Identity Theft Report. Than the also have a wrong name that is not my name, which I attached and circled in red pen. They are clearly not conducting a thorough investigation and are still reporting this fraud account on my Experian 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 explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I've been keeping up with payments on this loan since XXXX of 2018 and haven't made hardly any progress repaying it. I owe hardly less than what I started at. This loan would be one thing if I was making monthly payments but the fact that they want payment every time I get paid is CRUSHING and what makes it so financially crippling. The expensive payments have caught up to me. I'm taking classes to better myself and enter a lucrative field ( Information Technology and Networking ) and because of this I'm working reduced hours. I'm making deliveries for food delivery apps and grocery shopping apps but it's still not enough to make all the ends meet, particularly towards the outrageous expense of this loan. I need help. The payments are too high and too frequent for me now and i don't know what to do. I've tried getting a debt consolidation loan but have yet to find a company to help me because my overall debt is only around {$8000.00} ( the Avio Credit loan is approximately {$3000.00} of that ) but for me that's a LOT of money, especially as I'm goong through this part of my life where I'm trying to get an education that'll result in a better paying and more fulfilling job. As i said, i don't know what to do and i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: AL

Complaint narrative:
Changed payment plan several years ago to IBR. First PAYE then REPAYE. My balances have almost doubled although I've never missed a payment. Customer service can never explain why and the payment plans make no mention of this. How can this happen? I am on a payment plan because I'm a single mother of a severely XXXX child. By the time loan forgiveness hits on these so called plans I might owe hundreds of thousands of dollars. Nelnet is my serving company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: KEYCORP
State: CO

Complaint narrative:
I called " Key bank '' in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, I informed them about a CC that is appearing on my credit report which I have no recollection of applying for. When I spoke to them in XX/XX/XXXX they said they couldn't find my account with the account number on my credit report. I had a loan officer pull my credit report in XX/XX/XXXX for a home loan application and he informed me that I was an authorized user on the " Key Bank '' credit card, which I never authorized. I need this account to be removed from my credit report as I am being harassed from collection companies ever since my loan officer advised me to dispute it.I called last week and they finally informed me that " XXXX XXXX '' is the primary person. I have no clue who she is or when she added me or how to even get in contact with her. they said she would be the only person able to remove me. I can not be liable for someone else debt who I don't know and most importantly who I never authorized to add me to this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: FL

Complaint narrative:
I recently requested and received a copy of my detailed Credit Reports from all three major Credit Bureaus : XXXX, XXXX, TRANSUNION. 
After reading through my credit files produced by TRANSUNION, I have found multiple credit " hard '' inquiries. The main reason of my Complaint today is that ONLY the TRANSUNION produced Credit Report showed multiple " hard '' credit inquiries. These type of credit Inquiries have a harming impact on the Consumer 's Credit Scores, in other words, credit worthiness. However, these informations are not present ( not found ) in the other two major Credit Bureaus ' XXXX and XXXX produced Credit Reports. 
In other words, both Credit Bureaus, XXXX and XXXX Credit Reports shows ZERO Credit Inquiries in my Credit Files. The only exception is TRANSUNION. I submitted a Complaint Letter to TRANSUNION but I only received a pre-typed and copied, generic letter as their response. I do not give my personal permission to companies to look into my Credit Files. Both XXXX and XXXX   are lacking to report what TRANSUNION does. I demanded an ANSWER, but again, I received nothing but a pre-typed and copied letter. Therefore, I am submitting this Complaint against TRANSUNION demanding a sensible answer as to WHY only THEY show harmful Credit Inquiries and while the other two major Credit Bureaus do not. I also concluded the following : The primary reason - compare to the two other Credit Bureaus - is WHY my Lenders used FICO Credit Scores produced by TRANSUNION are SIGNIFICANTLY lower compare to XXXX and XXXX, is because of these reports causing negative impacts on my hard-earned and high credit scores reflected with XXXX and XXXX. 
To demonstrate the sharp difference in my Credit Scores, as of today, XX/XX/2019, my points are as follows : XXXX : XXXX points XXXX : XXXX points TRANSUNION : XXXX points -- 55 points LESS than XXXX and 36 points less than XXXX! 

Thank you very much in advance for your help in this matter. 
Respectfully, XXXX XXXX Consumer

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 2019-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
RS Clark is reporting that they are collecting on behalf of XXXX XXXX and XXXX. This business is no longer valid. I have tried to reach the original business and it is no more. Is this fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: NY

Complaint narrative:
The acs conduent website is down and I am unable to make payments on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: MD

Complaint narrative:
I have requested 2 months ago to have my loan paid off, the company didn't do this and is still taking only {$150.00} finance fees from me every pay day on a {$700.00} loan. To date, I have paid a {$1800.00} on this loan. I have simply tried to make payment arrangements to simply end this process, but they have refused to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: DISCOVER BANK
State: IL

Complaint narrative:
I mailed, by US Postal Certified Mail, XXXX a Federal Trade Commission Identity Theft Report on XX/XX/2018, letter attached, which contained five credit cards and/or personal loans that were reporting on my credit report and are fraudulent. XXXX did remove/delete all except a Discover Financial account. I then mailed Discover, by US Postal Certified Mail, what was required which was also the Identity Theft Report. Until today, both XXXX and Discover have still not removed this fraudulent account from my credit report. Discover mailed me a letter, dated XX/XX/2018, who claim they conducted their investigation and will not report this account on my credit report but still are. All documents will be uploaded here as proof. Discover also claims that the address statements were mailed to were also fraudulent and was reported on the Identity Theft Report. Than the also have a wrong name that is not my name, which I attached and circled in red pen. They are clearly not conducting a thorough investigation and are still reporting this fraud account on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: GA

Complaint narrative:
I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX, XXXX, Applied XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Begin on XX/XX/XXXX the company Sunrise Credit Services call with a local number so you think to answer it. I answered a few times they ask if its me and wouldnt give any information. I told them I was recording them they said they were recording me then the women on the phone starts harassing me so I hung up. They call over 5 times a day repeatedly at times starting at XXXX XXXX until XXXX XXXX. They accuse me of owing money to a school that shut down because it was bought out. Theyre student platform didnt work I called to get help was told they saw no complaints on this. 2 days later they withdrew me I tried to get re accepted they said I owed {$2500.00} plus fees. The school was XXXX University and then switched to XXXX XXXX University when they closed.

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 2019-05-17 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:
I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I have contacted the XXXX and my local police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.

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 2019-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EDvantage LLC
State: FL

Complaint narrative:
tuition options had sold my debt collection to a third party without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
We had signed up for XXXX XXXX cable for approx 7-10 days and figured out it would not work for our large family as only 4 tvs could be used at once as the rep that sold us the service never told us about the limitations we called the company and they said it would be about a year before they were going enhance the services to allow more tvs to be viewed at once. We were a family of XXXX at that time, so we were fighting on who got to watch their shows and who did not. Being XXXX of the family members were teens it caused major problems. I cancelled the service and went back to XXXX, which I can supply dates to correspond with the events. Being that we cancelled we were told to ship back the equipment. I did so. XXXX wanted to charge me for the equipment. The equipment was returned and received by the company and acknowledged by a rep I think in 2014 it was. I then asked for the equipment to be returned as I was not going to pay for something was returned. To this day, I still have not received the equipment returned to me. The equipment is with XXXX. return it and I will pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: MD

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 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: NY

Complaint narrative:
My social security number was stolen and misused by a company without my knowledge or permission. The following accounts must be removed from my credit report immediately because it is not my information. I have filed complaints with law enforcement and the FTC. 


Remove the following false accounts Immediately : 1 ) XXXX XXXX XXXX   {$3200.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$6000.00} XX/XX/XXXX 3 )  XXXX {$4500.00} 4 ) XXXX XXXX XXXX ( Someone Paid ) XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
XXXX billed my health insurance 3 times for 1 XXXX test with 3 different account numbers commiting fraud turn over two credit collection agencies contacted consumer financial protection bureau for investigation was removed immediately by XXXX and their fraudulent collection companies here they are again with radius global solutions for the same account that was paid by my health insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Barclay Bank Card has systematically lowered my credit limit causing my debt to available credit limit to raise. Thereby causing my credit score to be lowered duty what appears to be over the limit charging. 

I contacted Barclay Bank who transferred me to their debt risk contractor. I explained to the contractor that although my accounts outside of Barclay were indeed carrying high balances. I have never missed a payment to Barclay ; nor any of my other creditors. 

Barclay has continued the lower my credit limit actions without my never missing a 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 2019-05-17 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: MD

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 
XXXX 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
Consumer complaint received 2019-05-17 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: MI

Complaint narrative:
I have a hard inquiry on my transunion credit report that is from XXXX from XX/XX/2018. I have not applied for anything through XXXX  and I need it removed from my credit report. I tried getting it off through XXXX  but it does not exist.

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 2019-05-17 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: NY

Complaint narrative:
My social security number was stolen and misused by a company without my knowledge or permission. The following accounts must be removed from my credit report immediately because it is not my information. I have filed complaints with law enforcement and the FTC. 


Remove the following false accounts Immediately : 1 ) XXXX XXXX XXXX   {$3200.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$6000.00} XX/XX/XXXX 3 ) XXXX {$4500.00} 4 ) XXXX XXXX XXXX ( Someone Paid ) XX/XX/XXXX 5 ) XXXX XXXX XX/XX/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 2019-05-17 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: NY

Complaint narrative:
My social security number was stolen and misused by a company without my knowledge or permission. The following accounts must be removed from my credit report immediately because it is not my information. I have filed complaints with law enforcement and the FTC. 


Remove the following false accounts Immediately : 1 ) XXXX XXXX XXXX  {$3200.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$6000.00} XX/XX/XXXX 3 ) XXXX {$4500.00} 4 ) XXXX XXXX XXXX ( Someone Paid ) XX/XX/XXXX 5 ) XXXX XXXX XX/XX/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 non-monetary relief