vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 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: AZ

Complaint narrative:
I was taken by ambulance to local hospital and billed as follows : Date of Service : XX/XX/XXXX Incident NO : XXXX RUN NUMBER : XXXX Amount : {$1600.00} by XXXX County Fire Protection District XXXX XXXX XXXX XXXX, CA XXXX Billing : XXXX Between XX/XX/XXXX and XX/XX/XXXX, I called and notified the billing office at XXXX County Fire Protection District ( XXXX ) numerous times that the VA was responsible for paying this entire bill. I was repeatedly told the claim would be re-submitted to the VA right away, and XXXX  would extend the due date for payment of the bill as long as they could 45 days each time. Instead of conducting business ethically, the XXXX sent this to collections in XX/XX/XXXX for {$1800.00} as follows : Account # : XXXX REF : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX phone : XXXX Address on statement : XXXX XXXX XXXX XXXX, CA XXXX I also contacted this company and repeated the process as with XXXX, nevertheless the total bill became {$1900.00} and was sent to collections with XXXX XXXX XXXX. I had moved to AZ and never received this info until seeing it on XXXX I'm rated by VA at XXXX XXXX XXXX therefore the VA is 100 % responsible for this bill. 
Per Ms. XXXX at : VA  XXXX XXXX XXXX XXXX XXXX XXXX ( phone XXXX ) who spoke with me by phone XX/XX/XXXX at XXXX XXXX, the VA approved this claim on XX/XX/XXXX and failed to follow through and actually pay the grand total of {$1800.00} ( after accruing interest ) for it as well. 
Reference Number : XXXX The dispute for this was filed approximately mid-XX/XX/XXXX through TransUnion, then rejected XX/XX/XXXX and cited as NOT being an error. The TransUnion dispute website is currently unavailable or incapable of accepting new dispute case submissions, I hope you can help. Thank you for your time. 

Sincerely, 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 2020-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, they continue to contact my references listed on my loan who have no bearing on paying this loan. They will not lower my payment, they change every other day on the overdue days. They mis report payments. 
Their interest rates constantly change and not within the market rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1-XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/2017 Responsibility : Individual Account Account Type : " OPEN ACCOUNT '' Loan Type : COLLECTION AGENCY/ATTORNEY Original Creditor : XXXX XXXX XXXX XXXX 2-XXXX  XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Placed For Collection:XX/XX/XXXX Responsibility : Individual Account Account Type : " OPEN ACCOUNT '' Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX 3-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, GA XXXX ( XXXX XXXX XXXX Placed For Collection:XX/XX/XXXX Responsibility : Individual Account Account Type : " OPEN ACCOUNT '' Loan Type : COLLECTION AGENCY/ATTORNEY Original Creditor : 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 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I am receiving derogatory remarks on my credit score and credit report from an account in collections from a company I do not owe for {$140.00}. I have not received any calls about the amount due nor was I served any paperwork from this company. Its weighing down my credit score and I would like to resolve the issue as it is effecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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 have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX I mailed letters to several companys and havent seen any change it has also been pass 30 days and should be removed from my credit report Im very unset with the reporting.

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 2020-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust put a hold on my account to investigate and close it without notifying me. I have over 1k in the account that i cant access and use to pay my rent or buy food. I have been on hold with different people for hours to no avail.

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 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise credit services sent me a letter attempting to collect a debt on XX/XX/XXXX on behalf of XXXX XXXX  I have told them on many occasions to cease and desist. 


I filed a complaint with cfpb on XX/XX/XXXX, Complaint ID XXXX-XXXX, over their attempt to collect on the same debt.

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 2020-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
I signed up for the {$750.00} bonus offer to open an HSBC premier checking on XX/XX/2019. Shortly after opening my account i got a call from my relationship manager. During that conversation he had asked if i opened the account solely for the bonus and i told him we will see if I like their product but part of the reason was for the bonus. I met the requirement by submitting direct deposits over $ 5k each month in XXXX, XXXX and XXXX. In XX/XX/2019, I contacted HSBC via their online chat to confirm i met all requirements and was told i met them and its just a matter of time to get the bonus. I also contacted the relationship manager who also confirmed i met all requirements and should receive bonus in 8 weeks. In XXXX, I contacted HSBC again about my bonus and this time i was told to send an email to their Compliance team. Their claim was i didn't open the account by clicking on the offer page and i should send any proof i had. Luckily enough i still had my XXXX  browser history which showed i started the application from the offer page. The sole reason for opening this account was for the bonus. This is not the fist bank i have signed up for bonuses. I am 100 % sure i started the application from the offer page which was sent as proof. HSBC is declining to pay the bonus. I am not sure what other proof i need to show. I was mislead with every conversation and 6 months later they are declining to pay the {$750.00} bonus. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: CO

Complaint narrative:
I have asked Client services on three separate occasions to provide me with debt verification, including : 1 ) the identity lf the original creditor 2 ) an Original copy of the contract between myself and he original creditor 3 ) the proper and legal assignment contract between the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor just buying debts for pennies on the dollar to collect illegally ) ; 4 ) proof you are licensed to collect debt in Colorado. 5 ) a line by line accounting of the original account ( transaction history, a full breakdown ) 6 ) proof that you the collection agency are in compliance within the statute of limitations for Colorado.

They just keep sending me copies of statement that shows no activity. They send statements of a charged off amount continually being charged more fees. I have asked them on 3 separate occasions to provide this or cease and desist from contacting me. I am still getting phone calls and mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/2020 I mailed letter to company I received no change or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I am receiving derogatory remarks on my credit score / credit report from an account in collections from a company I do not know and do not owe {$290.00} to. I have not received any calls about this amount due and was not served any paperwork from this company. It is weighing down my credit score and I would like to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Great lakes needs to put me on repayment and accurately report the amount I owe to the credit bureaus. I am being harrased by great lakes. There is also XXXX XXXX with case number XXXX and his number is 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 2020-03-31 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 have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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 have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: TX

Complaint narrative:
I applied and received a loan from blue trust loans. Blue Trust Loans is an installment payday loan company that offers loans of up to {$2000.00} cash that are repaid over a six-month period. It is owned and operated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a federally-recognized sovereign government American XXXX XXXX. 

I want to report them for having predatory lending. I have been paying XXXX every month for payback since XX/XX/XXXX on a XXXX loan and only XXXX has decreased from the XXXX original balance. I just paid XXXX yesterday am being charged XXXX per day on interest alone on an XXXX loan. Today I called and asked to pay off loan. I have been paying XXXX since XX/XX/XXXX yet tomorrow in order to pay off my loan I have to pay XXXX ON AN XXXX LOAN. 

Please advise if this is not the right agency to handle this. 

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 explanation
Consumer complaint received 2020-03-31 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: OK

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report. These items belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: IL

Complaint narrative:
I emailed all the documents that were required TWICE TO nations direct. not FAXING EMAILING, and received confirmation that they received the documents, yet instead of processing my file, they keep sending me letteres they are missing documents, which THEY CAN NOT be since I emailed it to them. 

You can not get thru on the telephone to LOSS MITIGATION due to COVID 19 to speak with anyone. Please help and intervene

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Copy of letter to the company : Dear Sir or Madam : This letter is a formal dispute for a charge on my account for the amount of {$2200.00}. I received your letter dated XX/XX/XXXX regarding my dispute to the finance charges added to my account. My letter dated XX/XX/XXXX and XX/XX/XXXX confirms your conclusion from the investigation. 
However, I still feel that this charge should not be made to me because I paid off the balance for the 12 month interest free payment special related to the XXXX  XXXX. Please consider my payment history in regards to my dispute. 
I made a payment of {$6000.00} on XXXX which left a balance {$71.00}. I made another payment of {$270.00} on XX/XX/XXXX that resulted in credit balance of {$200.00}. I was issued a refund that amount. Even though the interest free special expired on XXXX, I made an effort to pay off the balance within a year. I made my payments on time for the past 12 months. I feel that I should not be charge interest just for {$71.00}. 
In addition, due to my financial hardship as a result of COVID-19 virus, I will not be able to pay the interest charges. 
Again, I would like to request that interest charges of {$2200.00} be removed and the remediation of any negative credit reporting. 

If there are any related charges, they should be removed too. I would like to receive an accurate copy of my credit card statement when this item is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: OK

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report. These items 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 2020-03-31 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:
My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and I picked out the car I wanted for her I had to get my credit pulled and there was things I was not familiar with. None of these things listed on my report belong to me. Could you please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: MI

Complaint narrative:
I had a bankruptcy discharged in XX/XX/XXXX, since that time I have followed all guidelines, have 100 % pmt history, established credit and remained below the standard credit useage guidelines. I sent repeated disputes to Experian about mis-reported bankruptcy accounts. 

The last one was 1 mo ago for XXXX XXXX XXXX, they were reporting as a 3 month old account, they admitted it was their error and stated it would fix, and my score would reflect it. 

I received and Experian alert today about potentially negative items : XXXX was back, yes reported in bankruptcy but dated XX/XX/XXXX making it appear a relatively recent account, and then they added XXXX same thing but dated it XX/XX/XXXX, making it also appear as a current negative account. 

I made 4 calls to their dispute center and each time given a bunch of double-talk, but the bottom line is Experian sent these on a credit alert as changes to my file and dropped by score again, back to where it was. One agent told me they have no control of the score, but they do in how they report. I have been so diligent about repairing my credit and all other scoring is showing me at XXXX, and it is my feeling that Experian deliberately creates problems so you will be inclined to sign up for their endless list of payable services. 

If we are at the mercy of a credit reporting company, the least we can expect is that your credit and payment history correctly reflect the individual, and they should not be able to hide behind well-rehearsed account representatives who attempt to " XXXX '' your concerns, and have no consequences for their actions. Again I received this " credit alert '' from Experian, themselves this morning. While I am at it, on the attached screen shot, there is a XXXX XXXX entry, I was going to get flooring through XXXX, they signed up a XXXX XXXX Account, and I refused the service/closed the account. Think I can get that removed..fat chance. I want a credit score that reflects my credit history.

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 2020-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I just received a collection notice in the mail on XXXX regarding a service that was done in XXXX by a XXXX office. The last bill that had been sent to me was in XXXX from the collection agency in which I believed I took care of. I had not received any bills post XXXX until XXXX of XXXX which is 10+ years later. They also stated that they had recently sent be 2 e-mails regarding this bill and after looking through all aspects of -email, including the spam and trash mailboxes, it did not show any e-mails from this company. 

The company that sent the collection bill 10 years or more after the service is Convergent Outsourcing Inc and the bill was regarding was XXXX XXXX XXXX XXXX XXXX in which they have no regard of me being there since back in XXXX as medical offices usually shred patient chart information around 7-10 years since date of service. Convergent Acct number is XXXX and the original account number is 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