vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-07 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: GA

Complaint narrative:
Inquiries removal I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries 1.XXXX XXXX Inquiry from XX/XX/2019 2.XXXX Inquiry from XX/XX/2019 3.XXXX XXXX Inquiry from XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2019-07-06 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: GA

Complaint narrative:
Inquiries removal I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries 1.XXXX XXXX Inquiry from XX/XX/2019 2.XXXX Inquiry from XX/XX/2019 3.XXXX  XXXX Inquiry from XX/XX/2019 4.XXXX  XXXX XXXX from XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I receive calls every single day, some times multiple calls in one day. They are calls for some one else, not me. They are pre recorded calls and are coming from Synchrony Bank. The phone number they are coming from is XXXX. Please make these calls stop. I have told them several times that I am not the person that they are trying to locate. But still the calls persist. Please, please make them stop. 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 explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I received another letter from XXXX their ref # XXXX XXXX XXXX XXXX XXXX which CFPB responded to them immediately ( I can not locate my ref # ) The letter I got in the mail today is dated XX/XX/XXXX and low and behold, another letter head of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX MN XXXX ... XXXX ... with debt description as ! XXXX XXXX XXXX ; XXXX XXXX acct XXXX XXXX same amt of XXXX but the letter says they can not resolve dispute cause they need my SS #. OMG they do noy mention that the so called loan was supposedly made in XXXX ... ... ..I am not the borrower never have been did not make a loan for this and they try to scam me 16 yrs after this loan was supposedly taken ... .really? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: AZ

Complaint narrative:
I returned to school at the XXXX XXXX XXXX in XXXX to obtain my XXXX Degree when I was in my early 40s.  I took out student loans with the service provider being XXXX XXXX, then XXXX.  I have been a long-time government employee.  When I first learned of PLSF, XXXX misled and misguided me.  I later consolidated the loans with XXXX  over to the U.S. Department of Education, serviced by FedLoanServicing.  I had many conversations with FedLoanServicing about qualifying for PLSF and what repayment plan was required for me to qualify.

I was misinformed and misled by FedLoanServicing, and after several years of repayment, I was told that I was not in the correct repayment plan.

I recently retired in XX/XX/XXXX, and my income is considerably less than last year.  I need help in getting my student loan debt straightened out, if not forgiven.  The balance has increased so much that I cannot understand why or how.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened an American Express Gold XXXX XXXX credit card in XX/XX/2019. It came with a XXXX bonus mile offer after I spent {$2000.00} within 3 months. On XX/XX/2019, I satisfied the spending requirement when my credit card reached {$2000.00}. Attached are my first two billing statements that prove this. I've called AmEx XXXX times and they told me they have 8-12 weeks to put the bonus miles in my XXXX account, but that they 1 ) saw that I had met the required {$2000.00} spend limit within 3months of my open account and 2 ) that my offer does include a XXXX XXXX XXXX bonus. They told me they have 12 weeks from XX/XX/XXXX to pay the miles. XX/XX/XXXX was exactly XXXX weeks from XX/XX/XXXX, so on XX/XX/XXXX I had an online chat with AmEx. I was told that the marketing department has to review the matter, that I can not speak to them since they do not speak to customers, and that it would take 6-8 weeks for the XXXX department to review this. They said that they'd put a request to review the matter on an expedited basis and that I could try calling back in 3-5 business days, but since the XX/XX/XXXX holiday was coming up, I'd probably not get any result. As of today, XX/XX/XXXX, I still haven't received any bonus XXXX from XXXX. It has now been more than 13 weeks since I met my {$2000.00} minimum spend requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I received a call at XXXX EST on XX/XX/2019 from someone claiming to be from Comenity Bank . The man asked for an individual that does not have my phone number, and I have informed this company that my number is NOT the number for that individual several times. I have been called several times over the last few weeks, all by different numbers claiming to be from Comenity. Each time I have answered, I explicitly told the caller that my number is not the number for the person theyre trying to reach and to stop calling. Ive blocked the numbers but continue to get calls from new numbers. The caller on XX/XX/2019 was very aggressive, interrupted me constantly, and despite me having said, this is not a number for that person, please stop calling me, this man continued to harass me. He also vaguely threatened me by informing me that he knows my address. I want these disgusting calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: Upstart Holdings, Inc.
State: NV

Complaint narrative:
I have a late payment and I make all my payments on time I can take that payment late is the first time I see that because I do not like to have late payment on my credit report I can remove that late payment in my credit report please

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
LVNV FUNDING LLC / XXXX this debt was settled and paid - yet it is showing as a collection account - active - on various credit reporting agencies. Company has been notified more than 6times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Experian is reporting XXXX XXXX XXXX - as an active collection account - this debt was paid and settled.

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 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Credit Corporation
State: WV

Complaint narrative:
XXXX XXXX XXXX / XXXX this debt was settled and paid - yet it is showing as a collection account - active - on various credit reporting agencies. Company has been notified more than 6times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received several emails from Bank of America about settling an outstanding debt for {$42.00}. I reached out to the company on XX/XX/2019. I spoke to a collection agent regarding the email and she started the settlement offer was still good. I agreed to pay the settlement amount for the collection per the emails that had been sent out. Bank of America received payment from my account. I later received an update on my credit report and it showed the account had been paid down but not settled as agreed. The company used unfair and deceptive collection practices and violated 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 non-monetary relief
Consumer complaint received 2019-07-07 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: Capital Markets Cooporative, LLC
State: FL

Complaint narrative:
I closed on a Home Loan in XX/XX/2019 with XXXX XXXX XXXX and setup my auto pay with their loan service Department. I always do auto pay. 
I had even setup and additional payment of {$1000.00} on top of my monthly payment. 
However, the bank apparently sold my loan to another service provider. 
They failed to contact me about this and did not transfer my auto pay. This is why one payment was missed since I thought the auto pay was activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A collection account I disputed with XXXX XXXX was resolved by their deleting it from my credit report but instead of it showing increase in my credit rating, it showed the opposite, this I believe must be an honest error in reporting on my 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 2019-07-07 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: LA

Complaint narrative:
XX/XX/2016 my computer was hacked and all of my personal information social security number, ID, passport, and account information was compromised. The person opened up accounts in my name and file taxes under my name without permission. I recently pulled my credit report and noticed inaccurate accounts listed.

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 2019-07-07 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: PNC Bank N.A.
State: MI

Complaint narrative:
The following are not authorized charged by PNC credit card and have been reported but not resolved yet. 
{$420.00} on XX/XX/XXXX {$220.00} on XX/XX/XXXX {$220.00} on XX/XX/XXXX for the office visit of XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: LA

Complaint narrative:
XX/XX/2016 my computer was hacked and all of my personal information social security number, ID, passport, and account information was compromised. The person opened up accounts in my name and file taxes under my name without permission. I recently pulled my credit report and noticed inaccurate accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: LA

Complaint narrative:
XX/XX/2016 my computer was hacked and all of my personal information social security number, ID, passport, and account information was compromised. The person opened up accounts in my name and file taxes under my name without permission. I recently pulled my credit report and noticed inaccurate accounts listed.

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 2019-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
I no longer can put my hands on the date information, but we were mistreated by XXXX after my husband had suffered XXXX. I called XXXX numerous times asking whether we could get the assisstance others were getting and were told that " you're doing fine, just keep paying. '' We hired an attorney who gave us what turned out to be unlawful. He is currently being kicked out of the Florida XXXX. On the advice of that attorney, we Quit Claim over to a man who illegally leased it without ever paying XXXX a dime which turned out to be illegal. Of course, we would have preferred to keep our beautiful home, but the treatment we got from XXXX. They caused us to go through my husband 's retirement cash as a result of their behavior. I reported all this to Consumer Finance about a year and a half ago, but we never heard anything about the judgement against them to pay people like us a dime

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These are college loans that been taking out on my credit score and I want it clear up

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 2019-07-07 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These are college loans that been taking out on my credit score and I want it clear up

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 2019-07-07 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These are college loans that been taking out on my credit score and I want it clear up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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 have with this company disputed this account over and over to be told that this account has been updated and validated and requirements are met! I am wondering how that is being truthful and that the account was vaildated when it is still reporting inaccurate information and violation of my rights keep being done and I am very sick of my credit being hindered over reporting inaccurate information when this is gassing my rights and it needs to be deleted RIGHT NOW. This is reporting information that isnt even the same on other credit files and also you do not even have a original creditor information LISTED so how is it possible this account was vaildated IT NEEDS TO BE DELETED NOW I have included screenshots of this account and you can see the information isnt the same across all boreds and it was fount to be inaccurate even with experian and was deleted so stop violated my rights and DELETE THIS ACCOUNT NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: FL

Complaint narrative:
I closed on a Home Loan in XX/XX/2019 with XXXX XXXX  XXXX and setup my auto pay with their loan service Department. I always do auto pay. 
I had even setup and additional payment of {$1000.00} on top of my monthly payment. 
However, the bank apparently sold my loan to another service provider. 
They failed to contact me about this and did not transfer my auto pay. This is why one payment was missed since I thought the auto pay was activated.

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 2019-07-07 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: FL

Complaint narrative:
I closed on a Home Loan in XX/XX/2019 with XXXX XXXX XXXX   and setup my auto pay with their loan XXXX Department. I always do auto pay. 
I had even setup and additional payment of {$1000.00} on top of my monthly payment. 
However, the bank apparently sold my loan to another service provider. 
They failed to contact me about this and did not transfer my auto pay. This is why one payment was missed since I thought the auto pay was activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: WA

Complaint narrative:
Ten years ago, I started paying my direct federal student loans ( both subsidized and unsubsidized ) under the income-based repayment plan, as required by the terms of the Public Service Loan Forgiveness program. At this point I worked for a not for profit organization, after graduating from medical school with {$200000.00} in student loans. 

Two years ago, I realized that my payment count towards the PSLF for the subsidized loans were different than the PSLF payment count unsubsidized loans. This seemed odd because all payments made in years prior were always split between unsubsidized and subsidized loans, so how could the tally be different. 

At this point, XX/XX/XXXX, I filed paperwork to have this information reviewed. It is XX/XX/XXXX, and after a dozen phone calls over that time period I have yet to have an answer. I am at just about at 10 years and need to file my loan forgiveness application. Each time customer service says the same thing. 

Im getting tired of not being able to get answers so I can take care of whatever needs to be done to get this loan reviewed. We waited to have a family and have put off other plans trying to wait for this to resolve. The unknown makes it hard to plan major life decisions. 

Please help.

Company response to consumer: Closed with explanation