vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 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: WI

Complaint narrative:
Hello, I contacted Equifax, advised them that I am not contractually obligated to pay two cards on my Account- XXXX and XXXX XXXX I am listed as an authorized user and for those two cards I did not want them on my Credit report and requested for it to be deleted immediately. 

She advised me that it will take 30-45 days via a online dispute and they would have to wait to hear from the creditors. I even explained that I can produce documents from these agencies, and I still got met with resistance. 

I asked her if Equifax has it on the credit report that they provide to me and it states that I am an authorized user, which means I am not contractually obligated shouldn't they be able to take action, just knowing that. The service was so rude she kept talking over me, and cutting me off ... then I got fed up and asked to speak with a supervisor and she got quite and after about a minute or so transferred me over to another rep. To whom I asked her to transfer me to a supervisor. No resolution on my credit to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
I entered a {$20.00} subscription to The XXXX XXXX. After receiving a couple of issues I decided I didn't want it and the magazines and they stopped coming. I forgot to actually cancel. They subsequently threatened collection. I wrote them on their website offering to pay them the XXXX dollars or so for the issues I did receive. I received no reply. Today I received a collection notice from XXXX XXXX XXXX XXXX of XXXX XXXX NY. for {$20.00}. That's {$20.00} for a product I essentially never received.

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 2018-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My husband had a credit card with bank of America. he opened it in XX/XX/XXXX. I never co signed on this account, I never had a credit card to this account, don't know the credit card number or verbal password to the account. My husband 's daughter got power of attorney over her dad and then he passed away on XX/XX/XXXX. That's when I find out my name was put on this account without my permission. I have tried on countless occasions talking to bank of America about this matter and they will not listen to me. I keep telling them it was fraud what my husband did. they keep telling me I owe this money on this account in which I never had a credit card to. I never made purchases with the credit card, because I never had one. I  guess the credit card is with his daughter in XXXX where she lives. I have talked to bank of America about it and they want to argue with me and say I am reliable for it. my step daughter used this credit card 2 days after my husband passed away. I am a XXXX woman who can hardly walk and they are treating me horrible. and because they wont listen my credit score is dropping. Like I said I had nothing to do with this credit card. please help me.

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 2018-11-02 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:
For the past 2 years I have been trying to get XXXX XXXX credit off of my report. I have never had a card with them, and have already went the route of the dispute. I have contacted them on no less then 50 occasions, to no avail. The account is not mine, nor has it ever been.

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 2018-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I currently have private student loans through Navient. Recently, my school deferment was up and I had to start making monthly payments. The account statements according to Navient quoted me at about {$600.00} per month. I am XXXX years old & recently graduated in XXXX of 2017. I just started my career so I'm only making about $ XXXX {$20000.00} a year. When I spoke to Navient the first time in XXXX ( before my payments were due ) I wanted to talk about repayment options. They told me I do not qualify for any type of repayment plan nor could they offer me deferment due to financial hardship. I assume this is because I have a co-signer. I spent numerous weeks calling Navient to work something out : Week 1 - called and spoke to someone who claimed they could get my payments down to {$200.00} per month. Unfortunately we got disconnected. When I called back I was directed to a different agent who told me they couldn't go any lower than {$400.00}. I told them I would talk to my co-signer and call back. 
Week 2 - Called Navient again, spoke to yet another agent. This time I was told that due to my co-signers income I don't qualify to lower my payments AT ALL and would have to pay {$600.00}. They were unsure why someone offered me {$400.00} and said that wasn't possible. I tried to explain my co-signer is not assisting me with the payments and that she can't afford that amount either. I was dismissed and not offered any options. 
Week 3 - Called once again and spoke to someone different. They resumed to tell me that they couldn't offer me any options. I was not surprised, just frustrated. My co-signer also called and tried to explain her financial situation ( recent death in the family, out of work for almost a year, recently started a new job ) but they told her that there were no options and we had to pay the full amount. Finally, my last phone call this week consisted of me asking for suggestions on what to do. Navient suggested I refinance my loans somewhere else ( which I was never informed couldn't be done during a forbearance ) or proceed with a forbearance request. I decided on the forbearance thinking I could refinance during that time. However, that is not that case. 

I am now struggling because I can't refinance my loans without 3 consecutive monthly payments. However, I can not afford the monthly payments through Navient. I am at a loss. My only option is to unfortunately use up all my forbearance time. I do not understand how this company can't offer myself, or my co-signer, any options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC
State: MO

Complaint narrative:
RISE is reporting on my credit report in the amount of {$0.00} for account number XXXX. Its stopping me from obtaining credit in my name. This is a fraudulent account. 

* There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union will not address a item on my credit report. I have had a long battle with identity theft and having XXXX XXXX / debt collectors, XXXX XXXX to agree that these accounts are derogatory and listed as charge-offs from someone else using my account. I contacted XXXX XXXX already asking them why the account is still showing after we agreed that it shouldn't be because it is closed and the representative told me the request was sent to TransUnion to be removed and that was two weeks ago.

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 2018-11-02 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: MO

Complaint narrative:
My husband had a credit card with XXXX XXXX XXXX. he opened it in XX/XX/XXXX. I never co signed on this account, I never had a credit card to this account, don't know the credit card number or verbal password to the account. My husband 's daughter got power of attorney over her dad and then he passed away on XX/XX/XXXX. That's when I find out my name was put on this account without my permission. I have tried on countless occasions talking to XXXX  XXXX XXXX about this matter and they will not listen to me. I keep telling them it was fraud what my husband did. they keep telling me I owe this money on this account in which I never had a credit card to. I never made purchases with the credit card, because I never had one. I guess the credit card is with his daughter in XXXX where she lives. I have talked to XXXX XXXX XXXXXXXX about it and they want to argue with me and say I am reliable for it. my step daughter used this credit card 2 days after my husband passed away. I am a XXXX woman who can hardly walk and they are treating me horrible. and because they wont listen my credit score is dropping. Like I said I had nothing to do with this credit card. please help me.

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 2018-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
On XX/XX/2018 while talking with a representative who indicated they were a manager, I was trying to find a way to lower my monthly student loan payment as it was higher than what I could afford. The representative told me I needed to get a part time job, I let them know I had a young child and child care cost so much that getting a part time job would probably make me lose money. The representative then told me that I could save money if i applied for food stamps or other government assistance, I let him know that I made too much to qualify for those programs and I only gave no money because it all goes to pay those student loans. The representative told me that it was not their job to fix my mistakes and that I should have thought about having a child and choosing the career path I did before ever taking out student loans. I was appalled that my child was called a mistake and I was told my choices were stupid, I am not the one that  loaned an XXXX year old that much money for a XXXX  degree, I was not thoroughly prepped on what to expect from taking those loans out but instead I was urged to l! The representative said to this, XXXX years old is old enough to drive, vote and play the lottery, old enough to make those decisions and know the outcomes, thats your responsibility not ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
AD Astra Recovery Services is reporting on my credit report in the amount of {$1500.00} account # XXXX which is false and its keeping me from obtaining credit. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible. 

The XXXX XXXX XXXX - XXXX XXXX to XXXX ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: DISCOVER BANK
State: LA

Complaint narrative:
I have tried to get discover card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get discover to remove this account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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:
I have tried to get XXXX card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX  to remove this account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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:
I have tried to get XXXX  card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me.

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 2018-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Paypal Client disputed past payments for apartment after falling behind. Provided Paypal with evidence but closed the case because of lack of shipping info Client disputed all past transactions after they fell 2 months behind and we requested possession of the unit. The client claims that they never received the product or service, but continued making payments over time, and still are occupying the space. We provided Paypal a copy of the clients ID at time of checkin with the keys, the guests invoice, the initial reservation they made, the dispossession we filed against the client all based on what Paypals representatives keep telling us we needed to provide. Even after provide everything that was asked for Paypal wont return the money to our accounts, leaving us with a negative balance. This is preventing use from operating our business. The last communication with Paypal the supervisor said they wont look into it any further. Evidence has all been attached to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: NY

Complaint narrative:
About a year ago my credit rating number declined because I closed some large accounts I was no longer using and my credit to use balance increased and impacted my rating. I have been slowly lowering the debt on my credit cards which seems to be the only negative factor. 

1, A short term loan I took from XXXX continues to appear on my credit account although it was repaid a month ago after 10 days of use, 2. Despite the fact that my credit in use balance lowered 2 % this week despite the incorrect loan, my credit rating number declined 6 points It still should have declined as there are no other cedit factors in question. 

XXXX was unable to address either of my problems. They referred me to Experian which was only able to open an inquiry on the XXXX loan. They show XXXX balance on line when I ask for a print out. 


I think they may be able to correct the XXXX issuebut have no idea why mycredit declined. Both entities seem to have no ability to address a mistake. They just correlate information they receive. 

This is disturbing and time consuming and neither could offer a direction to a remedy on the second problem. I am also concerned that the XXXX loan debit has been on the books and my records longer than I have had the loan.,

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 2018-11-02 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: Luckmore Finance
State: LA

Complaint narrative:
Luck more financial is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2018, I called Experian to ask why an old paid-after- charge-off account was still on my credit report given it was time-barred under XXXX  XXXX. A representative told me that the relevant account would not be removed until XX/XX/2018 based on the way that Experian interprets the relevant statute. 

I am writing this on XX/XX/2018 ( and past regular business hours at Experian 's main office ). Although several business days have passed after Experian 's calculated age-off date of XX/XX/2018, the relevant account remains on my Experian credit report, ordered under an hour ago. 

I had hoped to solve this problem with a phone call rather than go through the dispute/reinvestigation process because that can take another 30 days, and no " investigation '' is needed -- an Experian employee need simply look at the relevant date on the account. Unfortunately, Experian has a practice of screening its callers in order to prevent people who have previously complained about state and/or federal law violations from being connected with a customer service representative.

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