vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 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: MO

Complaint narrative:
Unknown Inquiries reported on credit report : XXXX XXXX, XXXX18. XXXX, XXXX18. I DO NOT KNOW OF THESE INQUIRIES, THEY WERE ILLEGALLY MADE THRU IDENTITY THEFT!!

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 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
The first problem occur in XXXX, XXXX. I was told by a representative that there will be no fees for getting a paper statement. I receive a email that a fee for a paper statement may be charge. The second problem occur in XXXX, XXXX. I tried to dispute a transaction by phone regarding a charge that XXXX approve without my knowledge or any kind of notification. I could not dispute the charge online and that is why I made a call to XXXX. I needed a password to dispute the charge. I had forgotten my password and was told that I should go to my nearest branch to file a dispute. I am a senior citizen and can't get to one of the branches. So I had to call the merchant that submitted the charge. The third problem occur in XXXX, XXXX. XXXX change my address to a address in Florida without my knowledge again. They said the error was made by an employee. And the final one occur in XXXX, XXXX reported to the credit bureau about an over charge of {$11.00} over my credit limited. Why would XXXX report this? They are the one to  approve this transaction and it should not have been approved. I have sent numerous messages without any outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: NC

Complaint narrative:
there are 8 inquires from XXXX XXXX that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XX/XX/XXXX these need to be removed from my XXXX 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 2019-02-12 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: NC

Complaint narrative:
there are 8 inquires from XXXX XXXX that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
XXXX XXXX was supposed to have mailed to me another IBR form, but I have not received it. 
I knew not where to have begun ... e.g., when I was an XXXX, a university that I withdrew from officially and transferred from changed my financial aid information repeatedly, more or less daily, without my knowledge or consent, so that it received money instead of the university where I was actually enrolled ... The most recent major issue that I had was that the loan company tried to have consolidated bogus loans instead of the real ones ... 
I knew where this will have ended ... I XXXX  almost twenty years ago, but was expected to have been in debt another 30 years or more ... The loans will never have been repaid. Whoever loaned the money knew the risk ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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:
I have attempted to dispute with both XXXX  and Experian unsuccessfully to have this inaccurate information removed. My credit reports are showing I have a deliquent account with XXXX XXXX XXXX which is incorrect. I asked them to send a validation giving a detailed breakdown of the alleged balance I owe. They sent this document which reflects a XXXX balance. If I owe something then I need proof of it and they have been unable to provide proof. I have attached a statement showing a XXXX   balance that I received from the alleged 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 explanation
Consumer complaint received 2019-02-12 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: KS

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recovery Solutions, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. I was a student of XXXX XXXX XX/XX/XXXX ,XX/XX/XXXX - XX/XX/XXXX. Under the Federal Lawsuit against XXXX XXXX XXXX., XXXX and its subsidiaries schools were closed due to illegal practices with federal funding. during my tenure, i took out student loans federal and private to assist me with my education. I was not fully aware I had taken private loans out, due to the severity of enrollment and pressure to attend classes to graduate. Fast forward, after the school closure I was contacted by National Recovery Solutions XXXX XXXX XXXX who stated they were collecting on my loans and I was delinquent and had to make a payment or else ... .I stated I have in my possession n, a notice from the Attorney General stating the lawsuit and my private loans were cancelled. But in their interest, they stated that it was not valid and I had to make a payment. I made payments as follows - XX/XX/XXXX {$30.00} - XX/XX/XXXX {$200.00} - XX/XX/XXXX through XX/XX/XXXX - {$100.00} a month, and XX/XX/XXXX -XX/XX/XXXX {$20.00} a month. I recently spoke with the company again to tell them these loans have been cancelled and should not have to pay and now I am being passed though the grapevine from manager to manager to phone representative, who has not been able to help me. As stated on the documentation attached, and payments made after the settlement, I would be issued a refund, and as I spoke with NRS, they stated they had no idea about my paperwork, and would look into it. 

Please help me - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My loan is from XXXX and was originally from XXXX XXXX. It was bought by Navient after I had been paying on it. They have been unable to tell me where the payments went that I paid prior to them buying it. I was charged the full amount again by Navient after they bought it. I made payments to Navient, and then went back to school in XXXX. I spoke with the school and Navient and was told that I would not need to pay while I was attending school. My credit was affected and reported as late, I had to submit a dispute with the credit bureu. I have faithfully made payments to Navient since XXXX. Paying more than the minimum amount, and paying early. The balance is always the same and never goes down. I have requested numerous times that I get a print out, and that something is not right. They have yet to send me the accounting print out, and then on my credit it now shows that the balance is increasing. They can not answer where the money is going, or where the money is for my account. I know that the balance that I am still showing owe is not right. When I log into my account it always shows that repayment is to begin the following month. They don't have an answer for that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Best Buy card via Citi years ago that I used, paid off, and never used again. Somehow, there have been three accounts opened over the years and the most recent was used to charge merchandise I did not buy. I reported the purchases fraudulent and requested any accounts associated with me to be closed. After more than a month, they still show at least one account open with {$3000.00} available. Today I asked again to close all accounts and they said that since an account was closed in XXXX that I have to reopen it to close it. They were referencing the account that had been closed for fraud and not the open account, which I had never asked to be reopened in the first place. At this point, I need to report them as they are either pretending stupidity to keep my account open, or are so incompetent that they can not fulfill my request.

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 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
A Bank of America/XXXX XXXX card that I have had for numerous years has been closed by Bank of America. I thought it was still an open account. I was trying to make a purchase on this card and it was erroring. I Called Bank of America to find out what is going on, to find out that they had closed the account in XXXX of 2018. I was not notified of this action. 

I believe that Bank of America is closing accounts because for the problems that they are facing at this time.

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 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was contacted by ProCollect regarding an apartment that I gave early notice to due to health and safety reasons among many others. I told ProCollect I didn't agree with the charges and they told me to fax them a letter of denial/appeal, which I did. I faxed this letter of appeal on XX/XX/XXXX. I called to check on the status of my appeal and was told by Ms. XXXX at extension XXXX that she didn't see my letter in the system yet but not to worry as it takes time to get put into their system for the collection agents to see that. She said they would call me back. Next call I get from Pro-Collect was from an agent that knew nothing of my appeal letter and didn't seem to be interested in looking for it so I asked to be transferred to Ms XXXX but was hung up on instead. I tried calling back but was rudely put on hold till I finally hung up as i had no more time that day to hold. The very next day I get an alert from XXXX XXXX that a collection was put on my credit. This company denied me my right to appeal this debt before damaging my credit. I am a good steward of my credit, and this is the only blemish I have and it was put there in denial of my rights. I am outraged that these companies are allowed to operate as if they make the laws, and people have no rights. I am sure that my rights have been violated. My appeal was never heard before damaging my credit for the next 7 year of my life. I can provide the appeal letter sent to them as well as proof of fax that I received showing it went through to them. As I am writing this, Pro Collect called again and care nothing of the fact that I sent them a letter of appeal. They are like robots that read a script and threaten you without actually listening to anything you say. Shame on these people, and shame on a system that allows people to be treated so poorly. I have excellent credit and have never defaulted on anything in my life. These collection calls are new to me, and I am now realizing how people are treated as if they have no rights. This is barbaric and has got to stop.

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 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: UT

Complaint narrative:
Written request was made to the company via mail as well as via to a point of contact at the company who acknowledged receipt of notice to cease and desist. They have continued to call repeatedly after receiving my formal request to only communicate with me via email or in writing due to conflicting information given to me by different individuals who supposedly work for this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: NV

Complaint narrative:
On or about XX/XX/XXXX I borrowed XXXX dollars. I was required to pay XXXX my first payment which only covered XXXX dollars of my principal balance. If I were to pay off in full it was about XXXX. I have noticed that XXXX dollars is already well over my 25 % gross monthly income which according to Nevada is against the law. I had to asked to skip a payment XX/XX/XXXX and I was granted it due to me not being paid. My income fluctuates weekly, since I am hourly and not paid during time off or holidays. I asked on or about XX/XX/XXXX to skip my next payment on theXX/XX/XXXX but was denied due to they are already pushed back the loan and offered me to pay XXXX instead. I can not afford that, so they put me down for that payment. I told them I am having a hard time paying it off and they just didn't seem to care. I shouldn't be required to pay this loan back or be threatened when my next payment does not go through. As they broke the Nevada law according to the below information. I will never apply for a payday loan again. 

XXXX XXXX XXXX XXXX XXXX XXXX 

Loan Terms : Maximum Loan Amount : 25 % of expected gross monthly income Loan Term : 35 days

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 2019-02-12 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: KS

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-02-12 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: KS

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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:
I have attempted to dispute with both Equifax and XXXX  unsuccessfully to have this inaccurate information removed. My credit reports are showing I have a deliquent account with XXXX XXXX XXXX which is incorrect. I asked them to send a validation giving a detailed breakdown of the alleged balance I owe. They sent this document which reflects a XXXX  balance. If I owe something then I need proof of it and they have been unable to provide proof. I have attached a statement showing a XXXX balance that I received from the alleged creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings
State: FL

Complaint narrative:
I was contacted by telephone by a company called Premier Holdings regarding a credit card I supposedly had 12 years ago and did not pay. First of all I have no recollection of this and told the woman that. She immediately threatened to sue me and said something about my current vehicle which I did not understand, and when I asked her to repeat what she said she said she was no longer going to talk to me and hung up on me. I have received nothing about this matter before this telephone call. The woman ( Miss XXXX ) was beyond rude and hateful. She had no desire to explain things to me just when and how much could I pay or someone would appear at my door to serve me to appear in court. I called back and asked for a supervisor and received Miss XXXX who refused to let me speak with anyone and again was abusive. Who is this company and how are they allowed to treat people like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: NC

Complaint narrative:
When I pulled myTRANSUNION credit report on XXXX XXXX after being denied a loan. I saw XXXX XXXX had put two collections on my report 1 for {$100.00}. Both XXXX XXXX  1-for {$2000.00} plus I contacted XXXX XXXX immediately. I spoke to a rep there and asked her about the bills she stated that they were from XXXX. she said that they had been sending the notices to XXXX   XXXX XXXX XXXX nc and a fraud #. XXXX. ... I told her they were not mine. I told her that I had XXXX XXXX XXXX and Medicare insurances at that time and my address was not XXXX XXXX  but I changed my address from XXXX XXXX XXXX XXXX XXXX XXXX  nc as per the XXXX XXXX XXXX XXXX. ( to  XXXX XXXX XXXX XXXX nc XXXX ) usps confirmation of change was made on XXXX XXXX 
At that time she changed my info to what I stated was address and phone # and she said I had to pay it because it had been too long and my insurances would not pay them now ..I told her they were not my responsibilities. I contacted transunion and they did a investigation and only took one if the place XXXX medical bills off my credit. Why not both they were at the same time & same place she said ..they took off the {$100.00} bill but left the {$2000.00} plus on my REPort. And transunion then put a seven year credit freeze on my report without my consent. I want them both taken off.. They are fraudulent charges I have a identity theft file registered with the FTC. Also the office of the comptroller for currency recently confirmed via letter to me on XX/XX/XXXX over 20 fraudulent credit inquiries and apps thru XXXX XXXX XXXX that was also fraud along with many other entries..

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