vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. US DEPT ED XXXX {$920.00} XXXX XXXX   XXXX {$200.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX   XXXX {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. US DEPT ED XXXX {$920.00} XXXX XXXX   XXXX {$200.00} XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX   XXXX {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: NC

Complaint narrative:
The reason for this complaint is XXXX XXXX is using shady and deceitful practices to get me to pay more money then what is owned for XXXX online classes from a third-tier college. Online XXXX tuition is {$390.00} per credit hour. XXXX coaxed me into getting a loan that I didnt need, I received Pell funding and also financial assistance from VA since my husband is a XXXX Veteran. They assured me that this was common practice to get into their school. I was working towards my XXXX XXXX XXXX. I started taking classes and I notice that I couldnt access my financial disbursements, Pell information, class cost, and other expenses. I was getting letters from Great Lakes and XXXX XXXX stating that I owe money for a loan that I have NOT received funds from Great Lakes, and I never got a billing statement from XXXX. I contact the financial aid office and spoke to XXXX XXXX ( Associate Director of Student Financial Service ), I asked for an itemized bill for my school expenses and I couldnt get a clear and concise answer other than the computer system will be updated. XXXX has since updated its computer system and it still seems to be antiquated. Weeks went by and I called Financial Aid office again and spoke to XXXX XXXX ( Director of Student Financial Services ), he assured me that things would get rectified soon, and I left messages that he never returned. Im confused about the lack of transparency and misleading information that I received from XXXX ; I decided to drop my classes and withdrew from the school. I contacted Great Lakes to no avail they informed me that XXXX is in control of the monies when it is released from them. On Great Lakes website it states that I currently owe {$1000.00} and I owe XXXX {$470.00}. How do I owe this money? I need someone to help me decipher thorough this enormous amount of documentation which is meant to bombarded and perplex me into overpaying XXXX XXXX. Montreat/Great Lakes should be audited for its predator lending practices. 


Here is what I know : Documents are attached As of today XXXX sent me a check for {$3700.00} ( XX/XX/2020 ) and {$260.00} ( XX/XX/2020 ) = {$3900.00} Ive paid XXXX {$1700.00} ( XX/XX/2020 ) and {$1900.00} ( XX/XX/2020 ) = {$3600.00} Great Lakes said I owe- {$1000.00} My Military Discount- {$260.00} Pell Grant Payment- {$770.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING PROBLEMS WITH THESE ACCOUNTS REPORTING ON MY 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 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'M HAVING PROBLEMS WITH THESE ACCOUNTS REPORTING ON MY 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 2020-08-26 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: LEXISNEXIS
State: IL

Complaint narrative:
I FAXED LEXIS NEXIS ON XXXX WITH A POLICE REPORT AND FTC THEFT REPORT.AND TRIED TO WARN THEM IN MY DISPUTE LETTERS 3 MONTHS AGO THAT THEY MUST HAVE A MIX FILE WITH MY NAME.I ALSO SENT THEM MY SS & ID WITH MY LEGAL NAME ON BOTH

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed two charges in XX/XX/XXXX on two credit cards amounting to {$14000.00}. Fifth Third Bank continuously refused to chargeback the amounts. Per their policy, I went to arbitration on XX/XX/XXXX, I learned that I WON on XX/XX/XXXX. Fifth Third Bank is refusing to provide me the award amount. They are insisting that I provide a w-9 for a refund/chargeback which is inappropriate. I explained that this is not money being paid to me, but a return of money, therefore their request for a w-9 to then send me a 1099 for  tax purposes, for a refund, is inappropriate. First, on XX/XX/XXXX, their attorney said it was not for tax purposes, but a requirement in order to " cut '' the check. I explained to their attorney that the purpose of a w-9 is to " pay '' self employed and/or independent contractors money ( which is not me ). On XX/XX/XXXX, Fifth Third Bank attorney then admitted it was for tax related purposes and Fifth Third Bank would not be sending me a check without receiving the w-9, which is a tax related form which does not pertain to me. 

Fifth Third Bank should refund/chargeback the money the way they would any other way for a refund/chargeback/credit payment and issue me a check without requesting a tax document which is not relevant to me. 

First Fifth Third Bank refused to follow their policy and refund/chargeback the amount, and now they are trying to circumvent their responsibility of issuing it as a refund/chargeback by requesting a IRS document that is not relevant to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: FL

Complaint narrative:
I was notified by a credit alert about the debt. I have never received any sort of communication regarding this debt or had a chance to validate it. They are violating the Fair Credit Reporting Act by not doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and need some help clearing my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
american express is reporting a 'charge off ' for an account that i have been continously paying and was never late. 
# XXXX and is stating that the account was closed by credit grantor. amex suddenly chanced the terms of the repayment amount and started to call me hundreds of times even on sundays.. and late at night.. i talked to agents there hundreds of time and for hours on end.. being transferred many times during most calls. i have a good credit history with amex since XX/XX/2010 and before and most agents would tell me i was a 'good ' customer.. this call started when a payment was misplaced on a account with similar account number and i call in to have it reposted to the proper account. 
this is not the first time amex has blundered my account payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank needs to unenroll my email address from XXXX as I have closed my account. They will not do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
Ally Bank allows me to setup automatic payments to be sent to my landlord on a specific date but the date at which those funds are withdrawn from my account changes. This caused my account to overdraft. I think it's wrong that the withdraw date can change without Ally having to notify me, and I confirmed that they will not be notifying me when the date changes because it's not in their control. I also feel this is something they have the duty to be in their control since I am giving them the duty of holding my money. I have attached the chat logs as evidence of what happened, but I've done my best to explain the situation below as well. At a minimum, Ally owes it to the consumer to explicitly notify them of this practice when they are setting up automatic payments. Ally should be able to leave the money in my account until the check is deposited by the payee. 

For example : My rent check of {$2500.00} is due by the end of each month. I have automatic bill pay setup to mail my landlord, XXXX, a check on the XXXX of every month to allow time for it to get to him. This is setup from a checking account with Ally. I keep this account nearly-empty because it's used to pay multiple bills and online transactions so I don't want a large sum of cash sitting in it in case it is compromised. I also keep the balance as low as possible because it doesn't accrue interest like my savings account with Ally. I have a savings account that I transfer money into this checking account automatically before the money is needed. 

For the past 2 months, the money was debited from my account when XXXX cashed the check he received, which he told me he always deposits the rent checks on the XXXX of the month. So, to cover the {$2500.00} check that is written by Ally and sent to XXXX, I transfer {$2500.00} from my savings account to my checking account on the XXXX of each month to ensure the funds are available to XXXX when he deposits the check on the XXXX of the following month. 

However, this past month, Ally withdrew the funds from my checking account on the XXXX because the check was to be issued on the XXXX and the XXXX was a weekend. In the past months, the funds had been withdrawn when the cash was deposited on the XXXX of the next month. Instead, they withdrew the funds a day before the check was to be issued. Because the automatic transfer from my savings to my checking account is setup for the XXXX, my account went into overdraft because my rent money wasn't in the account yet on the 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
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
This company XXXX was advised the item was discharged in a Bankruptcy but refuses to remove item from collection. Original creditor was First Virginia and then sold to XXXX XXXX, after they were both informed of bankruptcy discharge with case information, they continues to sell debt for collection and harass me with countless calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When covid 19 started I contacted XXXX about payment assistance due to covid. I explained my increased expenses due to covid and Im a state employee on furlough for a year. They told me I was approved for the program and not to pay my bill. This is what I did and they reported me late. My dad is a co-signer on my car and reported late on his impeccable credit report. His XXXXedit score dropped XXXX points. 

I called XXXX several times between XXXX - present asking them to fix this. I have even written a letter to the address they told me to send it to. 

I also open a credit report inquiry with Experian. It came back with no change. 

This is not fair at all. I know the XXXX system shows my calls, approval for the program Ect. This needs to be corrected on my credit report and my dads. 

I will continue to pursue this to the highest levels until resolved. All agencies that dont assist in the resolution will he named. If needed Ill bring this to the news media. 

Stop taking advantage of people during covid! 

If you publish this remove my personal information or youll have a lawsuit on your hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
They keep calling me and every time I answer they say they have no record of me. They have illegally altered the service dates on my credit report and have refused to send me proof of the debt via mail. I can not even get my account number from them to follow up. They have ignored my contesting of the debt validity and ignored my attempts to fix the issue. I have sent in disputes and it just returns the same with no further proof of the debt. 

The name of the company is as follows : Phoenix Financial Services,  LLC XXXX XXXX XXXX XXXX, IN XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and need some help clearing my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and need some help clearing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: COMMERCE BANK
State: AR

Complaint narrative:
The last time that I had the credit card ( 4XXXX XXXX XXXX XXXX ) in my possession was after I made the monthly payment of {$160.00} on XX/XX/2020. My work associates and myself went to a lunch on XX/XX/2020 and I brought the credit card in my pant pocket in case it was my turn to buy lunch that particular day. When I returned home that day and couldn't find my card I contacted the issuing bank immediately with no resolution whatsoever.

Since that exact day I have called 11 times with average wait times totaling one hour and a half - three hours and forty minutes. Most of the time I get hung up on by a third world country citizen that speaks nearly no English. They have NEVER attempted to call me back or email me back in any way. 

Last week I received a letter stating that a payment from an unknown source was attempted and failed to pay nearly {$600.00} in unauthorized charges. The bank did nothing to prevent the continued illegal use of my card. Instead, they are charging me {$65.00} for every attempt that the thieves make to use the card and access its funds. Now the online account associated with this card has been hacked and they REFUSE to issue a replacement card or honor the VISA 0 % LIABILITY PROTECTION POLICY. 

They continue to refuse to help me to this day and let criminals rack up a near {$1000.00} in illegal charges on the card. I must now go beyond CFPB and file FEDERAL and STATE charges against COMMERCE BANK and hire an attorney to bring suit. 


*ISSUE A REPLACEMENT CARD AND INITIATE VISA 0 % FRAUD LIABILITY ON ALL PURCHASES SINCE XX/XX/2020 AND REMOVE THE DOZENS OF FEES THAT I AS A VICTIM HAVE BEEN CHARGED BY YOUR BANK AS YOU SAT ON YOUR XXXX AND LET CRIMINALS HAVE A XXXX HAYDAY WITH MY CREDIT!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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 AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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