vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: NY

Complaint narrative:
I had been up to date for 5 years on my personal student loans. I received a phone call about debt consolidation. decided to move forward with it. ( later found out I was solicited by a third party ) made 3 payments to this third party company and they enrolled me into the federal student loan forgiveness program. problem is I did not know who had my loans. then, about a year later saw it come up on my credit report that I was 90 days late on payments, and saw the company that had my loans. Federal Student Loan Forgiveness program. so I contacted them and immediately got my loans up to date. the problem was I never got a notice in the mail or email. during my phone call it became clear that I was scammed by a third party, and after much deliberation with the person on the phone, they said if I can prove I was solicited by a third party they would fix my credit report. ( score went down by nearly 100 points ) so I wrote a report, got bank statements and printed out articles on the internet where other people were also solicited by Student Loan Relief Counseling ( or counselors ) and sent that into the credit dispute committee. I thought it was clear what happened. they had said that they sent notifications to my inbox I created, but I never did create one, and they also had the wrong cell number for me. so I was really unable to get the information to update my payments. 

They declined my credit dispute because as one person I spoke with said " we didn't tell you to work with a third party '' this was extremely disappointing. they said fixing the credit report had no negative effect on them, so I couldn't understand why they wouldn't want to help me out of a situation I was scammed into. it seems to happen a lot with the third party companies, you would think there was some firewall against that happening. Again, I was told my if I was able to prove I was scammed into the program they would fix the 90 days late, so I put a clear package together showing what happened, and instead it got declined and my credit score went down again. my credit score is still nearly 100 points lower than what it was before this all happened. And I wonder why a program designed to help people In financial need would be so short to dismiss these kind of issues. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have requested them to validate this note. This bad inquiry has been on my bureau for more than 4 years. After many request still no answer. please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: SC

Complaint narrative:
Subsequent to the large data breach in 2017 the credit bureau that caused it gave us free access to a program called XXXX XXXX at a competing credit bureau, Experian for one year. This complaint concerns Experian. Last week I and my husband each received two emails from Experian/XXXX XXXX stating that our protection had run out and our accounts were unfrozen. Since it was about time for our free protection to run out anyway, I thought the emails were probably legitimate. I did not click the link in the email because of concerns about phishing. So I attempted to place a simple freeze on our credit at Experian through their website. First, I got a statement that the accounts were already frozen. This contradicted what the emails said. So I went back later to the website to double check and they repeatedly told me they could not process my request. A phone call resulted in no response from any human being and no access to any human being. The computer generated response over the phone was that our accounts were still frozen. I have no idea whether they are frozen or not and I can't reach a human being to find out. Meanwhile, we may or may not be exposed to any fraudster who wants to take out credit in our name.

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 2019-11-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I already filed a complaint about Equifax not reporting my positive credit. Now I am asking them to remove the fraud alert I never requested.. I have sent in my Drivers License and Social Security Car and proof of Address. They have ignored me and refuse to complete my disputes. I have a utilization of 92 percent which is inaccurate. I have called many times and they are clueless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
This company called me one day 1 minute apart I have the phone record on my phone I am at work and I know this is not legal - phone number is XXXX - XXXX calling from Phoenix Financial Services - I want this stopped its harrassment to call me that frequently especially when I am at work. They need to drop the  collections and remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: AR

Complaint narrative:
LAST CHANCE FOR EXPERIAN TO REMOVE XXXX XXXX XXXX XXXX XXXX, THIS ACCOUNT IS VIOLATING THE XXXX EXPIRED ON COLLECTION. 
XXXX XXXX. ALL OTHER BUREAUS DELETED THIS INVALID ACCOUNT 3 YEARS AGO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: CT

Complaint narrative:
I have been currently disputing accounts on all three of my credit reports since. XXXX ... .Equifax and XXXX since XXXX of 2019. I have been unsuccessful with them deleting medical accounts in collections that are in violation of HIPPA. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I signed to have these medical services done. Due to these collections being on all three credit bureau reports it is interfering with my quality of life. I tried to get a XXXX XXXX loan so I can have an XXXX  done for a XXXX I was denied. I was just recently denied for a personal loan to take care of some medical expenses for my mother and I was denied. After this I am going to submit a complaint to HHS.gov for a violation of HIPPA. Then my next step is litigation. I have consulted a credit lawyer who has advised me to submit a complaint via CFPB first then HHS.gov, if the issue isn't resolved for them to delete those collection accounts of my credit reports after this we will move forward with litigation with all three credit bureaus XXXX   XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 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: CT

Complaint narrative:
I have been currently disputing accounts on all three of my credit reports since. XXXX ... XXXX and TransUnion since XXXX of 2019. I have been unsuccessful with them deleting medical accounts in collections that are in violation of HIPPA. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I signed to have these medical services done. Due to these collections being on all three credit bureau reports it is interfering with my quality of life. I tried to get a XXXX XXXX loan so I can have an XXXX done for a tooth I was denied. I was just recently denied for a personal loan to take care of some medical expenses for my mother and I was denied. After this I am going to submit a complaint to HHS.gov for a violation of HIPPA. Then my next step is litigation. I have consulted a credit lawyer who has advised me to submit a complaint via CFPB first then HHS.gov, if the issue isn't resolved for them to delete those collection accounts of my credit reports after this we will move forward with litigation with all three credit bureaus TransUnion, XXXX, and 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 2019-11-30 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: CT

Complaint narrative:
I have been currently disputing accounts on all three of my credit reports since. Experian ... XXXX and XXXX since XXXX of 2019. I have been unsuccessful with them deleting medical accounts in collections that are in violation of HIPPA. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I signed to have these medical services done. Due to these collections being on all three credit bureau reports it is interfering with my quality of life. I tried to get a XXXX XXXX loan so I can have an XXXX  done for a tooth I was denied. I was just recently denied for a personal loan to take care of some medical expenses for my mother and I was denied. After this I am going to submit a complaint to HHS.gov for a violation of HIPPA. Then my next step is litigation. I have consulted a credit lawyer who has advised me to submit a complaint via CFPB first then HHS.gov, if the issue isn't resolved for them to delete those collection accounts of my credit reports after this we will move forward with litigation with all three credit bureaus XXXX, Experian, and 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 2019-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
they call before XXXX XXXX and XXXX XXXX, They call at XXXX XXXX through XXXX XXXX XXXX   They never leave a message. also when I try to talk to them they hang up. XX/XX/2019 through today 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 explanation
Consumer complaint received 2019-11-30 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: CT

Complaint narrative:
I have been currently disputing accounts on all three of my credit reports since. Experian ... XXXX and XXXX  since XXXX of 2019. I have discovered that Experian and XXXX   continue to inaccurately report my student loans. XXXX  has deleted them, Transunion is reporting them in good standing, and Experian is reporting them as having XXXX missed payments!!! I have been successful with them deleting my student loan accounts from XXXX  but not XXXX or Experian. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I still owe money on these accounts. S and Im behind on payments, my next step is litigation. I have consulted with a credit lawyer who has advised me to submit a complaint via CFPB first and if the issue isn't resolved for them to delete those student loan accounts off my credit reports after this we will move forward with litigation with TransUnion and Experian for violating the laws of the FCRA sections 611 and 623.

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 2019-11-30 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:
An account was created with my information at Experian. I only learned about it from a confirmation email several days later. It seems there was never any email or phone confirmation required for the fraudulent sign up. 

It's not clear what personal information of mine was exposed, but I also see fraudulent activity on Experian, so it seems as though the sign up with Experian was used to facilitate identity theft. I'm still just starting to look into that.

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 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
American Express promised they would provide XXXX Delta skymiles if we applied for a new card and spent {$2000.00} over a 3 month period. We received the new card and spent the money. Now, Amex will not honor their side of the deal and credit the miles to our account. 

We have called Amexs customer service line and spoken to two managers both of whom refused to honor the arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: NJ

Complaint narrative:
I had XXXX credit cards with Bank of America. I had opened XXXX account in XXXX and I opened the other in XXXX. They closed both of my credit card accounts on XX/XX/XXXX and they sent out 2 letters shortly thereafter. They have written and stated that the reason was irregular authorized user activity. Any authorized users on my accounts were permitted by myself, the authorized user and Bank of America otherwise they would never have been added/approved. They also took my cash back rewards and told me that I forfeited those funds. Those funds were about {$140.00}. They even told me that this is part of their rewards program rules. This simply sounds like they are allowed to basically take the funds at any given time instead of forwarding those funds to the credit card holder. This in itself should be illegal as I could understand if I closed the accounts but I didn't, they did. I did not receive any phone calls or letters that there was any irregular authorized user activity on my accounts or any concerns with my accounts other than 1 call sometime this past summer asking if I had added an authorized user to my credit card. That was the only phone call that I received from Bank of America in XXXX from what I recall. I spoke to Bank of America and still have not been given a legitimate reason why my XXXX accounts were closed other than what I have stated and was told Bank of America can close out anyone 's account at any time for any reason and if we close out your account all funds in your cash back rewards account are thereby forfeited. This again does not seem right or fair in any way because if any bank decides they simply want to close out a person 's account and that person has cash back funds sitting in their account they would all lose their money. They even told me I could request to reopen both accounts knowing in advance that the request would be denied shortly after they run my credit because they already knew that the notes in their data base indicated that they revoked my credit cards. The letters did not mention anything of the sort and I requested for both cards to be reopened and it wasn't till after they re-ran my credit did they tell me the accounts are revoked. Again I do not feel this was warranted, I was never late, no true explanation for this and the closure of both cards had a negative impact on my credit report which why I am filing this complaint.

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax refuses to grant me access to my credit report. I have repeatedly answered security questions, obtained security codes, etc, and they continue to have my account locked. 

This is a clear UDAAP violation that is detrimental to not only myself, but to the entire consumer credit community.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: CT

Complaint narrative:
I have been currently disputing accounts on all three of my credit reports since. XXXX ... XXXX and TransUnion since XXXX of 2019. I have discovered that XXXX and Transunion continue to inaccurately report my student loans. XXXX has deleted them, Transunion is reporting them in good standing, and XXXX is reporting them as having 11 missed payments!!! I have been successful with them deleting my student loan accounts from XXXX but not Transunion or XXXX. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I still owe money on these accounts. S and Im behind on payments, my next step is litigation. I have consulted with a credit lawyer who has advised me to submit a complaint via CFPB first and if the issue isn't resolved for them to delete those student loan accounts off my credit reports after this we will move forward with litigation with TransUnion and XXXX  for violating the laws of the FCRA sections 611 and 623.

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I purchased two mattresses ( one for myself & one for my husband XX/XX/18. The contract to an amt of XXXX These were NOT any over the top mattress ; but two pillow tops-which we did not order ; but they shipped and said we had to accept. The payments were to be XXXX each month. We paid every payment on time until : our bank account was hit by a false check. I went to the XXXX XXXX and paid a fee of {$10.00} to keep from me being have to pay a late feel. I went the bank and came back immediately with the XXXX in cash. They did not return my $ XXXX or apply it to the account. Some 3 months later my husband was in the hospital and I had to pay the same fee again. After that we needed to take care of him and that made me a day late. The next we heard was that we were being taken to court ; unless we paid off the account. At that time we were exactly two payments from completely the account. They wanted it all on the same day or nothing else was acceptable. I have bought from them 3-4 different times and all paid out in full with no issues. They have already put this on my account for all to see ; and want more money including {$63.00} for an attorney they are using. If you look at the full list of everything done during this period ; it comes to a paid in full. But they refuse. XXXX XXXX I am sending a copy of the documents that are on this amount due.

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 2019-11-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I Have been trying to resolve funds stolen from my Chase bank account for almost 2 years now and have had no joy, Chase has made it impossible for me to communicate with a person or account manager as I am based internationally.They asked me to provide a US based address to send the first part of the claim which I have done and have yet to receive the check they promised.They have responded to my complaint previously on cfpb but no action on there part has been forthcoming I am out of pocket for almost {>= $1,000,000} and want my money returned.

Company response to consumer: Closed with monetary relief