vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: NY

Complaint narrative:
XXXX XXXX, Account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently, I contacted the company and company refused to remove this from my account and it is still trying to hold me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently.I contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, Amount XXXX,. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still trying to hold me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX,. This account was opened fraudulently. I contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently. I contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I am seeking help to rectify an unfortunate situation involving identify theft and a collection company that will not cease collection attempts after I already supplied them a police report stating identity theft. I received a bill from XXXX a few months that I disregarded, because I am not a XXXX customer and thought it was scam trying to get me to pay. Then, I received a letter from Convergent XXXX stating I had been sent to collections and the debt hit my credit report. I immediately filed a police report ( attached ) and have followed up XXXX times with them to get this resolved. Nobody is responding to my emails and I can not reach their phone system, yet I'm still receiving their letters in the mail demanding payment. This is very unethical and I need help to stop the process so I can remove this fraudulent debt from my credit.

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 2022-02-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

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 2022-02-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXXXXXX XXXX XXXX  ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt Recovery Solutions LLC claims I owe I debt I do not owe for {$960.00} from 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX 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 explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
All of a sudden 2 days ago i was unable to access Chase offers for two of my credit cards. The Freedom cards. I am still able to on my 2 other Chase cards ( business and XXXX ) emails, social media and two phone calls later and all i have been given is conflicting and wrong information, not to mention a waste of my time. One rep. told me they had to " refresh my account '' that accomplished nothing. The next one told me they ended the program for those cards, without notice, and then their Social Media rep told me that wasn't true. As usual with this bank, nobody knows anything, and all they seem to be able to accomplish is to ask repeatedly for my name and address and card number. A business would have to seriously make a concerted effort to provide more consistently pathetic customer service as this disgusting bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: NC

Complaint narrative:
Dear sirs, I reported these problems with Equifax on two different times. On XXXX XXXX and XXXX XXXX, XXXX. I showed that 1 ) the account is showing both closed and in collections. It also read opened when it was in collections. I showed that 2 ) information was missing things like Months reviewed, Terms Frequency, Account type, Date of last activity and Sold To. 3 ) This account was sold to a collection company yet it is not on this report. 4 ) I even questioned the balance because it seemed unrealistic for a cell phone. The only thig that was done was that the accounts wsa updated. Many of the mistakes are still on the report.I have reason to believe that this will change from my pointing these issues. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed this item as it is incorrect. The balances do not match. I contacted experian via phone and was told that I had to call the collection account to have my wrong information removed from my credit report. Even after providing proof from collections that the balance did not match and provide proof Im still with XXXX 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 2022-02-23 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: GA

Complaint narrative:
In XXXX of 2021 I filed a dispute with TransUnion about the unverified account : XXXX XXXX. Also to note that I am not working with a credit repair company or a third-party company. I am independently doing my dispute and I have asked for verification from the collection agency that I asked for verification from this credit bureau and I have not received anything from either party. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in almost 2 months as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: CA

Complaint narrative:
i have this account since 2014 with excellent payment history with a limit of {$14000.00}. 
always was on time payer. i have a balance of only {$500.00}. recently i have a conversation with a XXXX agent, she informed me that i am allowed to add up to 5 or 6 authorized users. so i added 4 persons that were my cousins. suddenly bank of america decide to close my account while i was in the middle of my home financing and this caused a big harm to my credit score as this account was the oldest account i had in my credit report. i am very upset with this unfair decision and request them to consider my relationship with them and reopen my account. they caused a big harm to my home finance process. this is not acceptable.

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 2022-02-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I did receive a response on XX/XX/XXXX stating that the account was deleted. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXXXXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

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 2022-02-23 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: IL

Complaint narrative:
I have two fraudulent auto loans on my credit report that the credit bureaus refuse to remove. One from XXXX XXXX XXXX and the other from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: IL

Complaint narrative:
I have two fraudulent auto loans on my credit report that the credit bureaus refuse to remove. One from XXXX XXXX XXXX and the other from XXXX XXXX XXXX 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 2022-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NE

Complaint narrative:
In XXXX and XX/XX/XXXX I submitted the information for the PSLF program. One day I submitted my work with the XXXX of Nebraska. The next day I submitted my work from XXXX and XXXX XXXX. The payments made during my time at XXXX and XXXX XXXX has not been reflective on my PSLF payments. I have been a full time employee for non-Profit and State employment for XXXX years. I want to know when Fed Loan will process my time with XXXX  and XXXX XXXX as the new waivers from President Biden waives if the loans were in the wrong payment plan. I was previously with XXXX who had verifed employment yearly while I was making payments from XXXX to when I consoldated in XXXX. It is extermely difficult to get answers from Fed Loan thru the phone and I do not get responses from emails. I need assistance on getting an adaquate count of my payments as I should be completed with all payments at the end of XXXX of this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Dispite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and complied ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

Ally Financial XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX I paid in full my Amex balance of {$32000.00} which was due today XXXX. Despite having accounted for the advanced payment and updated the balance due to zero, Amex failed to update the e-bill sent to my checking account with XXXX XXXXXXXX XXXX. As a result of Amex negligence, XXXX XXXX XXXXXXXX paid again today {$32000.00} to Amex resulting in a very low balance of my checking account. I immediately called American Express and they were unable to refund me today. Not only Amex received my full payment in advance, it also charged me for the same amount even if the balance was zero at the time of the monthly due date. The Amex representative said that it will take 3 to 5 business days to get the refund. As a result, I will likely incur overdraft fees because my checking account is very low and have payments scheduled. Because this situation is only the result of Amex negligence, I would like Amex to 1 ) pay for any overdraft fees that may result from the balance of my checking account being low and 2 ) pay for the interests accrued from the time Amex received the additional payment and the time the refund posted on my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I have an issue with a prepaid visa card that I purchased at XXXX in XXXX of XXXX. Upon trying to use it for the first time there were already unknown charges attached to the card that I did not make. I called customer service who sent me an dispute package and I filled it out and emailed it back. When I did not hear from them I called again and they told me it was never received so another email was sent and confirmed XX/XX/XXXX. To date no resolve has been applied to my dispute and every time I call the call is outsourced to another country and the language barrier makes it impossible to get any clarification. There is no direct number to the dispute dept available and all I want is my gift card replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Nelnet, Inc.
State: GA

Complaint narrative:
Forbearance needs to count towards XXXX- so many had to go into forbearance because they were unable to make the payments due to working in lower paying jobs, therefore missing out on months of possible payment counts for XXXX. MAKE FORBEARANCE COUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Here we go again ... ... .Loan care blatantly misplacing money. I got a foreclosure notice in the mail because they have misplaced the payment made on XX/XX/2022. My loan is not in default and not behind more than 30 days, don't worry though they already submitted it to my credit report, because why would it matter to them right?? They pocketed the money just like they have numerous times before. 

Attached are my bank statement and their " statements ''.

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