vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: MA

Complaint narrative:
I XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau pertaining to an illegal collection process against me by XXXX XXXX. I did have a XXXX XXXX account back in XXXX, then I had to file bankruptcy. He XXXX account balance was placed in the bankruptcy petition. Now here we are 11 years later and XXXX has place an account on my credit bureaus that shows a {$390.00} balance on Experian and XXXX XXXX, and a XXXX  balance on XXXX. The truth is, the account is so old that it has longed surpassed the legal timeline for actual reporting with the credit reporting agencies. It has long surpassed and collection remedy if one actually still exist, which it does not. Accordingly, XXXX is abusing my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX is also violating its subscriber agreement with all pertinent credit reporting agencies, and the Consumer Financial Protection Bureau should sanction XXXX XXXX for such egregious and illegal collection activities. This account must be deleted permanently and my file information must be purged by XXXX XXXX so that this collection activity will no longer happen to me again. XXXX XXXX XX/XX/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 2020-04-01 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: MA

Complaint narrative:
I XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau pertaining to an illegal collection process against me by XXXX XXXX. I did have a XXXX XXXX account back in XXXX, then I had to file bankruptcy. He XXXX account balance was placed in the bankruptcy petition. Now here we are 11 years later and XXXX has place an account on my credit bureaus that shows a {$390.00} balance on XXXX  and Trans Union, and a XXXX  balance on XXXX. The truth is, the account is so old that it has longed surpassed the legal timeline for actual reporting with the credit reporting agencies. It has long surpassed and collection remedy if one actually still exist, which it does not. Accordingly, XXXX is abusing my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX is also violating its subscriber agreement with all pertinent credit reporting agencies, and the Consumer Financial Protection Bureau should sanction XXXX XXXX for such egregious and illegal collection activities. This account must be deleted permanently and my file information must be purged by XXXX XXXX so that this collection activity will no longer happen to me again. XXXX XXXX XX/XX/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 2020-04-01 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: MA

Complaint narrative:
I XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau pertaining to an illegal collection process against me by XXXX XXXX. I did have a XXXX XXXX account back in XXXX, then I had to file bankruptcy. He XXXX account balance was placed in the bankruptcy petition. Now here we are 11 years later and XXXX has place an account on my credit bureaus that shows a {$390.00} balance on XXXX  and XXXX XXXX, and a XXXX  balance on Equifax. The truth is, the account is so old that it has longed surpassed the legal timeline for actual reporting with the credit reporting agencies. It has long surpassed and collection remedy if one actually still exist, which it does not. Accordingly, XXXX is abusing my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX is also violating its subscriber agreement with all pertinent credit reporting agencies, and the Consumer Financial Protection Bureau should sanction XXXX XXXX for such egregious and illegal collection activities. This account must be deleted permanently and my file information must be purged by XXXX XXXX so that this collection activity will no longer happen to me again. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including several bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX  XXXX   XXXX {$2600.00} XXXX  XXXX  XXXX {$780.00} XXXX XXXX  XXXX {$120000.00} XXXX  XXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-04-01 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including several bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX  XXXX   XXXX {$2600.00} XXXX  XXXX  XXXX {$780.00} XXXX  XXXX  XXXX {$120000.00} XXXX  XXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-04-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my most recent credit report on XX/XX/2020. I notice that both XXXX  & Equifax is currently reporting accounts that we're removed or deleted In previous months. Please see attachment. 

Old account under the name : XXXX XXXX XXXX XXXX. Original creditor : XXXX XXXX XXXX XXXX  ( deleted ) in XX/XX/2020 New information being reported as follows ; XXXX XXXX XXXX XXXX ; original creditor ; XXXX XX/XX/XXXXXXXX ( violation ) Notice ; the company changed or switch the name of original creditor and resubmitted account intentionally the damage my credit ratings. this is fraudulent, misleading, inconsistent, Unverifiable, And inaccurate a violation of FCRA rules. 

Violation : for reinserted in and around XX/XX/2020 without 5 business days notification as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my credit file as soon as possible. 

XXXX  XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: MD

Complaint narrative:
I have two insurance that was given at the time of the procedure. The doctors office failed to submit both insurance. They were notified by one insurance that they were the secondary and had to submit to the primary and then submit the remaining to them. I have contact them several times letting them know that I have a primary and a secondary insurance. The office resubmitted the insurance to the primary and fail to submit the secondary the remaining balance. Each time the doctor  office was notified to submit the bill in the correct order primary and secondary. And each time they failed to submit in the correct order. The Secondary insurance is now saying it is too late to submit the balance due to the fault of the doctors office and will not pay the balance. The secondary insurance says that the doctors office need to do a write off because its their fault for not timely submitting the bill. I should not have to pay a balance when I have two Insurance that covers all the charges and the doctor office Failed to submit the insurance company both primary and secondary after being told several times to correctly submit the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
1. unable to lift a security freeze with Experian 2. Extensive phone wait times 3. No option to speak with a representative/automated options that don't apply 4. different information/guidance provided with different agents 5. no resolution 6. issue now delays/impacts refinancing

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 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
A debt collection company has just put on my credit an account that has been closed twice by other debt collectors as it is not mine. This is harrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is my second CFBP compliant. I am asking for PROOF of a 1099-C that was NEVER RECIEVED at my then address XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The response from Chase simply says yes we did and no we didn't receive anything back. The 1099-C HAS NEVER BEEN RECIEVED at anytime when I lived in that address. In addition you have NOT PROIVDED ME WITH A COPY as requested. You did provide me we letters you state were sent to me by 3rd party collector that my ACCOUNT WAS SOLD TO back in XX/XX/XXXX/XX/XX/XXXX, which makes it hard to believe that Chase can write off my account after they sold my account to 3rd party collectors. I am continuing to dispute the 1099-C that was allegedly just " mailed '' not with any signature requirements in XX/XX/XXXX. If Chase was planning to write off this debt which appears they " bought '' back from 3rd party collectors then I should have been notified in writing of such and been offered the opportunity from Chase to attempt repay the debt they had bought back. 

After receiving the first response from Chase EO I have contacted XXXX at XXXX ext XXXX as well as XXXX and left messages with NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: FL

Complaint narrative:
Someone has been using my information illegally and incurred many charges fraudulently on my behalf without my permission. This has destroyed my credit profile and my credit rating. I have notified the credit bureaus multiple times and they do very little to help. I have placed fraud alerts and somehow these people have managed to steal my info. I need your professional help in fixing this. Please tell me what to do or how we can fix this so I can have my credit back to normal.Thank you in advance.

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 2020-04-01 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my credit file as soon as possible. 

XXXX  XXXX {$2000.00}

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 2020-04-01 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my credit file as soon as possible. 

XXXX  XXXX {$2000.00}

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 2020-04-01 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: PA

Complaint narrative:
My loans and my wifes were initially federal student loans I believe through the FFEL program. American Education Services ( AES ) is stating the loans are not federal loans and do not qualify for pause of interest and payments through the CARES act. Ive contacted AES through email, XXXX, and via phone within the past 3 days ( XX/XX/XXXX, XX/XX/XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: FL

Complaint narrative:
Someone has been using my information illegally and incurred many charges fraudulently on my behalf without my permission. This has destroyed my credit profile and my credit rating. I have notified the credit bureaus multiple times and they do very little to help. I have placed fraud alerts and somehow these people have managed to steal my info. I need your professional help in fixing this. Please tell me what to do or how we can fix this so I can have my credit back to normal.Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
Someone has been using my information illegally and incurred many charges fraudulently on my behalf without my permission. This has destroyed my credit profile and my credit rating. I have notified the credit bureaus multiple times and they do very little to help. I have placed fraud alerts and somehow these people have managed to steal my info. I need your professional help in fixing this. Please tell me what to do or how we can fix this so I can have my credit back to normal.Thank you in advance.

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 2020-04-01 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I received only one letter that I had to paid a certain amount to keep my account open. I did pay the amount on time and been paying XXXX  every two weeks. On XX/XX/2020, I paid XXXX again and on XX/XX/2020 I paid XXXX dollars to catch up on my late payments. Not once I received a letter that my account was closed or was going to be closed. By XX/XX/2020 I was on schedule to finally paid off my late payments. With the virus damaging a lot of house, I am a XXXX XXXX  and was not looking for a closed account when I been on the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: Ditech Financial LLC
State: MS

Complaint narrative:
In XX/XX/XXXX added money to a fixed mortgage credit score dropped because of it! paymeants were XXXX was paying XXXX a month couldnt tell me were my money is that I over paid for year and a half to be ahead then in XX/XX/XXXX this year closed my account a 20 yr mortgage with no warning Im in middle of a loan that is on hold cause of virus going and was alerted that my score dropped 40points again because of same people which u cant get a hold of them sent me a statement for next month but nothing on being sold again had to reach to find who took over and now they are missed up to cause they dont have life insurance that I have paid for for 20 yrs also with the last year they have done but cost me money and hurt me financially for there mistakes!! the amount of loan the loan being closed adding money to the loan reunion my credit and takin my money on life insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
My Wife lost her {$95000.00} job due to a XXXX. 

I filed a Loan Modifications and Select Portfolio Servicing, servicer of our Loan is forcing us to sign a 7 % Loan Modification, when the Prime Rate is now at 0 %. 

Since I will not agree to the 7 % Loan Modification, Select Portfolio Servicing is Foreclosing on my Property. 

I need help, so I can get this Hardship Modification complete. 

Thank You, XXXX XXXX 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 2020-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: IL

Complaint narrative:
They advertise that they are helping their customers affected by the Covid 19 crisis, but they in fact are not really helping at all. I inquired about what that " help '' means and they explained that I can skip a payment, but will be charged interest. Well, this contradicts itself because it is in fact a profit for them. And this interest charge is what happens if you miss a payment in any regular day scenario. So no different options being offered to customers due to the current situation. And the only thing they said they don`t charge is the late fee. But they still charge interest, which I find to be not helpful at all. I would rather pay my balance than being charged more for being late, which is like I previously mentioned the case anyway.

Company response to consumer: Closed with explanation