vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-16 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: FL

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts on my profile that need to be removed I have sent police reports to all 3 credit 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
Consumer complaint received 2019-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I sent XXXX USD to purchase online tickets to a woman selling on a XXXX  page who immediately deleted all of her accounts. Her paypal is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-16 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: OH

Complaint narrative:
XXXX XXXX, Dear XXXX XXXX XXXXXXXX XXXX XXXX XXXX, oh XXXX I m writing to you to request a correction of the following informations that appear on my ( Equifax, XXXX  and XXXX  ) consumer  reports. 
Balance {$75.00} ( XX/XX/2019 Balance {$710.00} ( XX/XX/2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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:
I graduated as a XXXX  and consolidated my loans. American Educational Services ( AES ) was my loan servicer. I was not able to afford my loans when I began XXXX. I made {$30000.00} one year. My loan payment was over {$800.00} per month. I was told that the only thing that I could do was defer my payment because I could not afford it. I was also told that I did not qualify for loan forgiveness or income based repayment. I paid 35 payments to AES. I moved my loans to FedLoan and started all over. I still have 36 more payments due to FedLoan. I should be done paying my loans if the 35 payments could be counted toward the 120 for Public Service Loan Forgiveness. The loans should have been paid several years ago if the deferments would be counted. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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:
Experian keeps listing my XXXX XXXX account as over the limit. XXXX XXXX has no credit limit on their cards. The balance is paid and due monthly. Experian is aware of this and additionally I have disputed this several times to no avail. The effect is a lower credit score and negative remarks 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 2019-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received and activated a new Citi Bank credit on XXXX/XXXX/2019. Next day I used for four charges for a total of {$140.00}. Then I made another larger charge with another merchant and the card was rejected and blocked. I called customer service to inquire and they confirmed that I could not use the card pending some verifications needed. After providing the information they had requested, and for reasons unexplained to me they could not get the verification they wanted. Then I requested the cancelation of the card through their online customer service chat. I was informed that they could not cancel the account until the block was removed. The removal of the block is beyond my control, and now that I want to account close I do not care about the block. However, the company will not close the account, as requested, because " the block need to be removed first. '' I am sending the balance payment check by mail, but I need your help in having Citibank to close my account.

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 2019-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CO

Complaint narrative:
I refinanced my home in mid XXXX. I was given a series of checks by my title company, XXXX XXXX XXXX XXXX to pay off ALL of my credit cards. ALL have credited EXCEPT US BANK, which has become a DISASTER!

I've been a LOYAL, RESPONSIBLE US BANK customer for over 12 years!

I sent US BANK, VIA OVERNIGHT EXPRESS MAIL ( label attached, Tracking # XXXX ), a check for {$6700.00} ( copy of stub attached ), written by XXXX XXXX, on XX/XX/2019 to US BANK, XXXX North XXXX XXXX, XXXX XXXX, MO, XXXX ( contact address page attached ) AS DIRECTED TWICE by Customer Service and the address was verified EACH TIME. The envelope was accepted and SIGNED FOR By XXXX XXXX at XXXX ( tracking details attached ). 

The check was ILLEGALLY sent back to XXXX XXXX  instead of the RETURN ADDRESS on the envelope with a letter ( attached ), unsigned, stating the " account number to apply the payment to is missing or invalid ''. I TRIPLE CHECKED the account number and it IS VALID! I was called by the title company on XX/XX/XXXX and told they had just that day received the check and asked me to retrieve the check so it could be resent which I did on XX/XX/XXXX. My payment was due on XX/XX/XXXX so IIMMEDIATELY went to the USPS and AGAIN SENT VIA OVERNIGHT the check to US BANK a SECOND TIME ( USPS LABEL ATTACHED, Tracking # XXXX ). It was received AGAIN on XX/XX/2019 and again received and signed for by XXXX XXXX at XXXX, AGAIN, at the XXXX XXXX address. 

I called the USPS in XXXX XXXX and actually spoke the the VERY CARRIER who told me that these envelopes were in fact delivered and ON TIME! Apparently the Convention Plaza address is a central receiving point and subsequently distributed to the proper building in the complex for crediting accounts. THIS HAS NOT HAPPENED IN EITHER CASE. 

I have called no less than 8 times and spoken to representatives, supervisors, etc but to NO AVAIL. I have spoken and messaged " XXXX '' on US BANK 'S instant messenger page and have been told they are " working on it ''. I have emailed the CEO Of US Bank, XXXX XXXX XXXX, and have been told they are " working on it ''. I even left a message on one of the Vice President 's voice mails and have yet to hear anything on this DEBACLE!

In the meantime, MY ACCOUNT HAS BEEN SUSPENDED. INTEREST AND LATE FEES HAVE BEEN APPLIED ( US BANK STATEMENT ATTACHED ). And NOBODY seems to have ANY desire to rectify this horrific display of disregard, ineptness and incompetence!

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 2019-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Coast to Coast Financial Solutions, Inc.
State: NV

Complaint narrative:
Received notice in mail dated XX/XX/19 indicating a past due amount of {$50.00} owed to XXXX XXXX. We autopay XXXX XXXX through our checking account. Letter is threatening in nature.

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 2019-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This HORRIBLE company has repeatedly tried to contact me on a debt that is not mine for {$1300.00} I've sent them a letter via CERTIFIED MAIL/RETURN RECEIPT they received on XX/XX/19 asking them to stop calling me and to prove the debt is mine. They have failed to provide me with a signed contract with my signature that shows I entered into any contractual agreement. They have sent me a very graphic and threatening text message to try to scare me, to my phone, with continued phone calls, false reporting on my credit reports, contacting my relatives, and other third parties. including getting robocalls. 
You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
I intend to follow through with the suit if I do not hear back from you within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I purchased a jewelry at Zales XXXX XXXX, 2018. I signed up for a promotional plan for 12 months interest free if paid for within 12 months. I always pay on time before the statement date of XXXX of every month. Next thing I know I was being charged with the finance charge for the whole year plus the monthly due. When I spoke to Comenity bank I was told that the promotional plan ended on XXXX XXXX Therefore, my payment in XXXX was not counted for the promotional plan because it was paid by the statement which is XX/XX/XXXX after the promotional plan ended. First of all, theyre statement due date does not agree with their promotional period due date. Second, they do not offer a grace period, last but the least they would NOT work with me on the 6 days that my payment was posted. Now, I have to pay the interest on entire purchase including the interest for what I already paid over the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: IN

Complaint narrative:
I have sent in several dispute letters to Experian credit bureau asking for the late payments to be verified thats reporting on XXXX XXXX XXXX and XXXX accounts. Each time the bureau says that the creditors verified that the information is indeed accurate. Again, I sent a recent dispute to Experian asking to be mailed the correspondence from the creditors. I asked for the name of the person who verified the late payments, the persons title, the persons contact information, and the method in which the creditors verified. I have attached the letter that I received from the bureau in response to my asking of the method of verification. Experian states on the back of the letter that they will not reinvestigate the account unless I send in new information.

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 2019-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I re-enrolled into university to earn a XXXX XXXX degree and started my XXXX  XX/XX/2019. I waited to make a payment for XXXX because my school was working on reporting my enrollment and thus my deferment paper work had not been sent. After my enrollment was confirmed and my deferment eligibility was confirmed I received notification via email that my bill was past due. I contacted them on the phone and let them know that yes my deferment paperwork was received and would post on XX/XX/XXXX that was the end of the conversation. 

On XX/XX/XXXX I got an email saying that my deferment was denied. No other details so I called them to inquire. I called up and automatically they were telling me my account was past due and was I calling to make a payment. I said no I had questions about my deferment. They then transfer me. After being on hold I get a second person that answers and says that my account is past due and would I like to make a payment. Again I had to say no, I'm calling about why my deferment was denied. They explain that all my loans already are past the allowed amount of time for deferment. No one any point in time informed me by mail, email, or telephone call to tell me my loans no longer qualified for deferment due to enrollment. I ended the conversation. 

I had to wait for my husband to get paid to make the payment. In the 10 days since having that conversation with this company I have received on average 10 calls a day attempting to collect on the bill. Every single hour, for 10 hours, they call me. In the past I called and asked them to stop calling me and they said their was nothing they can do to push back the calls. This is harassment. Calling me every 45 minutes is uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I received a letter from Winn Law Group that indicated their intent to file a lawsuit for an aggressive collection agency XXXX, XXXX, that only recently obtained an account from XXXX that I had been making small payments on. 

They use excessively aggressive tactics and when I attempted to call them indicating at the time that no law suit had yet been filed they tried to claim I needed to pay the entire debt off or in several large payments, which I indicated I could not do. They showed no respect, courtesy, or flexibility, and demanded I provide them a lot of documentation about my current income. Before this could be gathered I was served with the evidence of the legal summons. 

This company uses very aggressive and threatening tactics, and makes no attempt to first reach individuals with reasonable collection strategies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
To whom it may concern, I have tried several times ( 4 to be exact ) to get Trans Union, XXXX, XXXX, and XXXX to investigate my credit file as they are reporting inaccurate information. I noticed that they were reporting bankruptcies on my credit file that they received from XXXX which I noticed was also reporting inaccurate information to Trans Union, XXXX, and XXXX. I contacted XXXX by mail, and they advised that Trans Union, XXXX, and XXXX  has never responded to their request to initiate an investigation into the inaccuracies that they have been reporting. I have attached letter correspondence between XXXX and I which states that they reached out to all 3 credit bureaus who are simply stating that they will not re-investigate their inaccuracies. I have also put a freeze on my XXXX file until the inaccuracies are fixed by XXXX. I have contacted the bankruptcy courts who stated that they did not report any court filings about me containing my social security number to XXXX, Trans Union, XXXX, or XXXX. Note that I am a " XXXX '' and my father shares the exact same name and addresses attached to his credit file. If the original source of those reports ( The Federal Courts ) is stating that they did not provide any information to either of those bureaus regarding any cases, if any that I'm involved in, then how is this being reported on my credit file? Since XXXX, XXXX, Trans Union and XXXX  have all refused to correct those inaccuracies, I am filing a complaint with your office. I have also attached all USPS certified returned confirmation slips that confirm that all four credit reporting bureaus received my disputes and refused to follow the guidelines set forth in the Fair Credit Reporting Act. 

I have also contacted XXXX, XXXX  and Trans Union in reference to a collection account that was added to my credit file without me receiving any notification of this collection account. I have sent four dispute letters to each agency and only XXXX  corrected their file to report accurately. XXXX   conducted the proper investigation into the frivolous collection account and removed it, then why are the other 2 bureaus refusing to do the same? Any assistance from your office to get these credit bureaus to conduct proper investigations into inaccuracies on my credit files would be appreciated.

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 2019-11-17 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: EQUIFAX, INC.
State: CO

Complaint narrative:
To whom it may concern, I have tried several times ( 4 to be exact ) to get XXXX XXXX, XXXX, Equifax, and XXXX  to investigate my credit file as they are reporting inaccurate information. I noticed that they were reporting bankruptcies on my credit file that they received from XXXX which I noticed was also reporting inaccurate information to XXXX XXXX, XXXX, and Equifax. I contacted XXXX by mail, and they advised that XXXX XXXX, XXXX, and Equifax has never responded to their request to initiate an investigation into the inaccuracies that they have been reporting. I have attached letter correspondence between XXXX and I which states that they reached out to all 3 credit bureaus who are simply stating that they will not re-investigate their inaccuracies. I have also put a freeze on my XXXX file until the inaccuracies are fixed by XXXX. I have contacted the bankruptcy courts who stated that they did not report any court filings about me containing my social security number to XXXX, XXXX XXXX, Equifax, or XXXX. Note that I am a " Junior '' and my father shares the exact same name and addresses attached to his credit file. If the original source of those reports ( The Federal Courts ) is stating that they did not provide any information to either of those bureaus regarding any cases, if any that I'm involved in, then how is this being reported on my credit file? Since XXXX, Equifax, XXXX XXXX and XXXX  have all refused to correct those inaccuracies, I am filing a complaint with your office. I have also attached all USPS certified returned confirmation slips that confirm that all four credit reporting bureaus received my disputes and refused to follow the guidelines set forth in the Fair Credit Reporting Act. 

I have also contacted Equifax, XXXX  and XXXX XXXX in reference to a collection account that was added to my credit file without me receiving any notification of this collection account. I have sent four dispute letters to each agency and only Equifax corrected their file to report accurately. Equifax conducted the proper investigation into the frivolous collection account and removed it, then why are the other 2 bureaus refusing to do the same? Any assistance from your office to get these credit bureaus to conduct proper investigations into inaccuracies on my credit files would be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit report and/or score hasnt been updated on Experian website since 2018. I had subscribed to their membership offer and when I terminated the membership my information hasnt updated since. I spoke with a representative in the membership department concerning the matter. I was told that the report cant be updated because they need a photo ID but Ive sent Experian several copies of my ID with my dispute and/or method of verification letters. I want to be treated fairly as a consumer. I can only see old information and credit alerts. Ive attached a picture.

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