vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 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: CA

Complaint narrative:
I mailed Experian a letter with a return receipt stating to remove my security/fraud alert as I was in the middle of buying a home. I waited XXXX weeks and called they stated they didn't have anything. I tried for XXXX hours a day for XXXX week to upload the document as they were in the correct format and size to no avail. What am I supposed to do now? 

dates are from XXXX XX/XX/2019 - XXXX XX/XX/2019.

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 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
XXXX XXXX is the first time I was contacted about this. My brother had been contacted months ago about the issue. They first told us it was about a broken lease, I explained to them that I paid the lease in full before I moved out and they actually had proof verifying my statements. That same day they called my brother back telling him if we did not go to the collection agency office to sign the contract of payment they will get him and myself fired from our jobs. My brother asked her why and how she would do this, she said she couldnt give him details because it was illegal but she had our employers information and she will contact them. A few hours later she called us back with a whole different story on why we owed {$1000.00}. She said it was cleaning fee and because I have left a couch in the apartment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
The account # on these accounts is XXXX XXXX XXXX Trident asset management- # XXXX These accounts do not belong to me. I have attached my affidavit of forgery on a police report. I have also attached a copy of my id as proof of my identity. I have also contacted the FTC concerning this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX  is misreporting on my credit. They have reported a Home Equity Line of Credit as a " charge off. '' This loan was paid off in full. I have supporting documentation that it was paid off. I have worked with XXXX XXXX XXXX  for three years to get this resolved and they refuse to change it. In that time I have paid more in interest on various loans because of this affecting my credit score. My local credit union ( XXXX XXXX XXXX XXXX ) requested a payoff from XXXX XXXX XXXX  on XX/XX/16. XXXX XXXX XXXX  did not respond. A second request was sent on XX/XX/16 so that Utah XXXX XXXX XXXX could pay it off and assume the HELOC. Rather than responding, XXXX XXXX XXXX reported the loan as a " charge off '' on XX/XX/16. After again making contact, XXXX sent XXXX XXXX XXXX a Cashier 's Check ( # XXXX ) in the amount of {$34000.00}. That check was dated XX/XX/16 and cleared XXXX XXXX XXXX on XX/XX/16. I have made phone calls, submitted disputes through annualcreditreport.com, hired a company to assist me in the matter, and still it remains unresolved. XXXX XXXX XXXX  is negligent in their practices and this needs to be resolved immediately. I have spent countless hours attempting to rectify their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Continually in the dark about repayments, information on where I'm at in my payment plan. When under Sallie Mae had no issues, with Navient it seems like no payments were made whatsoever, their systems are always down for maintenance and they keep you COMPLETELY in the dark about your progress/status. The only thing they appear to be competent in is posting a dollar amount that you owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account XXXX Collector : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unpaid Balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: Thunderbird Collection Specialists, Inc.
State: CA

Complaint narrative:
I filed a complaint about TCS - they responded back to the complaint that they did not know about the court order to remove my name from the judgement in 2012 and said they would remove it immediately. That was over a month ago and they are still reporting the collection on my report as of yesterday when I ordered a new report. I have a pending auto loan, and the bank will not grant the loan until this is removed from my XXXX credit report - once again - they are preventing me from getting an auto loan because of their reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: GA

Complaint narrative:
On XX/XX/2019, I got a notification from my ID protection with XXXX that an inquiry for credit with XXXX card had been made. I never applied for credit with XXXX. I immediately called XXXX, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and XXXX the inquiry has not been removed. XXXX and the credit agency is blaming the other for it still not being removed. Equifax and XXXX are the only two showing the inquiry. Equifax state they do not accept inquiry disputes from consumers. They refuse to accept the letter XXXX XXXX sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be one point  from getting a top tier interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This account does not belong to me. Please remove it from my credit report, and stop contacting me about. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: NV

Complaint narrative:
Equifax has removed my old XXXX account that was charged off several times and put it back which violated FCRA. It has reappeared on my credit profile and thier reporting the same item twice. Account number in reference to XXXX XXXX XXXX XXXX XXXX  card services. Please remove this account and keep it off of there this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
We took delivery of our new vehicle in the dark and in a thunderstorm, late in the evening after spending hours at the XXXX XXXX XXXX XXXX on the date of purchase. When we first saw our vehicle in the daylight the next morning, we made several startling discoveries including a damaged front bumper, a large dead beetle wedged into the firewall and a torn window sticker stuffed into the glovebox with all of the federal disclosures and EPA disclosures missing. We immediately requested a reprint of the original window sticker along with all federal and EPA disclosures. When we finally received those disclosures almost two months later on XX/XX/2017, we also discovered proof of {$2600.00} in undisclosed charges tacked onto the price of our vehicle for add-ons that were never installed, including window tint. That missing window sticker that shows the MSRP inflated {$2600.00} to {$42000.00} is also attached. Additionally, when we compared the attached Buyers Order Agreement pages printed at XXXX XXXX. on XX/XX/2017, we noticed that the rebate listed was only {$5000.00}. This is in direct contradiction to the attached E-mail message that we received from XXXX XXXX at XXXX earlier that same day, XX/XX/2017, at XXXX XXXX promising Triple Savings {$8400.00}. This is the E-mail from XXXX XXXX that lured us into its dealership. In addition to overcharging us {$2600.00} for items that were never installed, XXXX XXXX failed to provide us {$3400.00} in promised savings that were used as inducement for purchase. XXXX XXXX owes us {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank Claim Number # XXXX. I called and disputed the charge of {$150.00} that was charged to my account on XX/XX/XXXX by XXXX as i have not booked anything in a very long time. On letter dated XX/XX/XXXX M & T Bank sent me a letter stated they are denying my claim due to an email i use for the booking. I have since logged into that account and the last time a booking was made to that account was on XX/XX/XXXX. There was no more bookings used after that with that account listing with the email. I do not see any documents that show if or who actually went to the hotel.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I Purchased a set wave ( Antenna ) from XXXX did not realized it was a company in XXXX on XX/XX/2019 through my pay pal account. I filed a compliant with pay pal because the company double charged me, when the package came I wrote refused on the package and returned it to the post office without opening it, I was no longer interested because of the double payment. Im being refused a refund of {$69.00} because I did not have a confirmation number for the return. The post Office told me they dont give a tracking number for packages returned unopened. I disputed the charge with XXXX and they denied my claim. 
Dispute # XXXX and Transaction ID XXXX. Can anything be done about this. I dont have {$69.00} to give for nothing. Thank you 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 2019-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have been a Lowe 's credit card holder for 28 years and when my XXXX XXXX checking account had fraudulent activity the bank stopped all ACH and withdraws and assigned a new account number. My Lowe 's payment crossed around the same time and they never notified me that they did not receive payment until the next statement which included past due and new bill. When I called customer service they took the {$41.00} payment and removed late fees. A week later I received a letter that they closed my account due to non payment. I requested to speak to a supervisor to reconsider keeping the account open after being a good paying customer for almost 30 years this being my second Lowe 's account. They stated they would need to review further and reply in writing. It is now XXXX and they continued to allow the late fees to be charged without working with the customer after reporting bank fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
Im in good standings with my loan from fed loands i never missed a payment, i called in whenever i try to make payment arrangements,, please erase late marks from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been filling on all 3 credit reports advising that I never open an account for XXXX or XXXX XXXX ACCT # XXXX for {$5800.00} the thing about it, is that they don't even have my last name mispelled right. So that goes to show that this account is not even mines. As far as Midland Acct # XXXX for {$350.00}. According to these lenders the account where open from : XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX and/or XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. I have sent both companies proof ( As what they requested which was Florida XXXX and XXXX receipts ) that the only address I have lived in the last 42 years has been : XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX. Even with the proof I sent them, they still state that the information I have provided them is not correct But that the information they have is? HOW THE XXXX XXXX XXXX XXXX DO YOU FIGURE THAT, WITH PROOF THAT I SUBMITTED TO YOU, FROM THE ELECTRICITY COMPANY???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have a credit score of more than XXXX. I have an auto loan with an perfect payment history. My credit report does not reflect any negative balances, any late payments or anything negative. I am a also XXXX woman with a thick accent. I stopped by a Target located in XXXX Ga, on Saturday XX/XX/2019. I was looking at a promotion that expired that day where I was to get a discount coupon valued at XXXX if I signed up for the Target credit card. The associate convinced me to apply, as he said it was a pretty simple and instant process. Since I wanted to expand my credit portfolio and had a pretty good credit score, and the promotion was very attractive, I took the bait. To my surprise, I got a receipt saying Id get a letter in 7 days. After I did some search online on many credit forums, I discovered that people had actually called in after receiving such notice and they would find out they were approved. Many consumers reported they were approved even with credit scores in the lower 600s. I called the XXXX, and was transferred to accounts payable. The first person immediately told me I was declined because I had " no credit history '' Which is false. Then she told me it was because I didn't have credit cards and they decided my score credit wasn't good enough to issue me with a Target credit card. That the bank, TD Bank USA, didn't deem me a good " fit ''. Since I know I have a good credit history and score on file and actually hold an auto loan with a very well known bank, I knew there was something more to this information. I requested to speak to a manager and I asked her first for her information to document it and have it ready when I filed a complaint with the corresponding government agency, and my attorney. The reason I want to escalate this is because I feel that there was some discrimination regarding the approval process as they have information on my demographic by looking at the places I've lived at. I also know there was a switch and bait during the whole process. The employee who took my info at the register gets his commission. Target hits their numbers without issuing the XXXX promotional coupon and I get a bad hit on my credit score without obtaining any benefit, no discount coupon and no credit card either. So the " manager '' identifies herself as XXXX, literally mocks my government agency comment by saying " what government agency lol what are you talking about '' And by finally saying in an extremely hostile, terse and disdainful tone " you better learn how to speak to me or you wont get any information from me '' So I hung up without any information besides what was originally given by the first accounts payable associate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
I AM NOT THE ONE THAT OPENED UP ACCOUNT XXXX THIS IS NOT ME THIS IS A FREQUENT ACCESS MY ACCOUNT AND MY INFO THIS IS SOOM ONE THAT GOT MY INFORMATION. 

XXXX XXXX IS NOT MY ACCT. 
XXXX THIS IS NOT ME. 
ONE HAS MY NAME AND ADDRESS. 

THIS SOOM ONE THAT GOT MY INFORMATION. XXXX WILL ACCT. # XXXX MY INFORMATION IS IN THE DARK WEB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: UT

Complaint narrative:
on XX/XX/XXXX my husband and I went to XXXX XXXX  to get our 2004 tax bill reviewed and our tax specialist gave us a letter to send to the IRS it was nothing more complicated he said he was billing us XXXX  dollars for the consultation however we noticed the next day he had charged our debit card for {$170.00} which is XXXX  dollars more than we agreed to, I called him to get some explanation of these charges and he had to call me back then texted me to apologize an said he couldn't reverse the charges and I would have to have my bank reverse the charges then he could bill me the correct amount so I went to the bank who gave me a temporary refund of the XXXX but after their review of the info im guessing he didn't admit to what he did because the bank now says they cant refund me for his services they're letting him charge me the XXXX dollars that will be again billed to me on XX/XX/XXXX this is insanity also im not entirely sure but we may have also paid him again the XXXX  after we were refunded so he may be getting away with almost XXXX for what should only ever been XXXX  his name is XXXX XXXX at XXXX my bank id us bank at XXXX is diret line to XXXX at card sevices who denied my claim I need help and soon they cant charge me so much more than was agreed to how can they do this no he didn't give us a receipt either didn't think we needed one XXXX XXXX  never tried to rob us before so we left there feeling pretty safe I guess you never know it can be anyone we were at XXXX  on XXXX XXXX in XXXX this guy also works at the XXXX XXXX in XXXX Utah please help me I don't want his services free I was happy to pay the XXXX  I do not want to pay any more than I owed him

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: GA

Complaint narrative:
On XX/XX/ 2019, I got a notification from my ID protection with XXXX that an inquiry for credit with Discover card had been made. I never applied for credit with Discover. I immediately called Discover, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and Discover the inquiry has not been removed. Discover and the credit agency is blaming the other for it still not being removed. XXXX and XXXX are the only two showing the inquiry. XXXX state they do not accept inquiry disputes from consumers. They refuse to accept the letter Discover Card sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be one point from getting a top tier interest rate.

Company response to consumer: Closed with explanation