vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-07-31 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
I have recently obtained a copy of my credit report. I have no knowledge of this item, nor did I authorize it. Please remove this file off my credit it is hindering me. I have applied for anything within the last two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Innovis
State: TX

Complaint narrative:
I have recently obtained a copy of my credit report. I have no knowledge of this item, nor did I authorize it. Please remove this file off my credit it is hindering me. I have applied for anything within the last two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have had this card beginning approximately XX/XX/XXXX. There have been two balance transfer 's as well as purchases throughout. I have been steadily and relentlessly been charged various of fee 's for various reason 's. Whenever i have called Capital One to try and understand how these fee 's were calculated, all I was ever able to understand was that it was too complicated to explain to me. I have wasted probably over 100 hours of phone time and an equal amount of time trying to read and understand the ever changing terms and conditions in the monthly statements. 

Based upon the spreadsheet I have created, Capital One is charging me {$900.00} in various fee 's. WHICH I DISPUTE. 

I have attached all my Capital One statements for the years XXXX, XXXX, XXXX, XXXX and XXXX thru the XXXX statement. I have also attached my spreadsheet which summarizes my entire history with Capital One, Month by Month with a running balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2019, I paid off and closed a secured credit card account with CitiBank. I was supposed to receive a refund for the secured funds within 7-10 days as stated by the representative in the phone. I never received said refund. I waited a while and called again in XXXX to request information about something else. No mention of my refund. 

I called back on XX/XX/2019 to see if it would be possible to have the refund that I never received applied to a new secured card. They let me know that this was not possible because I would have to reapply for a new credit card. However, my refund should be issued and received within 7-10 days. As of today XX/XX/2019, I have still not received my refund. I opened the app and found that a stop payment had been issued on XX/XX/2019 and a check had been re requested XX/XX/2019. Tomorrow, XX/XX/2019 would put me outside of the 7-10 day window for the refund I requested on XX/XX/2019. After spending an hour on the phone with management and other nonchalant representatives, I am concerned about the legitimacy of this company and the refund I should be receiving. Just as I would be responsible for interest after a 3 month delay in payment, I feel that I should be compensated for the delay and inconvenience. I have literally been waiting for my refund since 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 2019-07-31 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-31 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I took on a number of student loans during XXXX school. After I graduated in XXXX, I worked for the federal government, and sought information about the Public Service Loan Forgiveness Program ( " PSLF '' ) -- a program where I could get loan forgiveness on direct loans after 120 qualifying monthly payments. 

In XX/XX/XXXX, Nelnet sent me an email telling me that I had qualified for a " Special Direct Consolidation Loan Opportunity. '' A copy of this email will be submitted with my comments. I spoke with several Nelnet representatives on the phone and told them that I wanted to consolidate my loans in order to make payments pursuant to the PSLF. I submitted an application. A copy of the email confirming my application will be submitted with my comments. After this, I continued to apply for income-based repayment and make payments on my loans, believing that my payments were counting toward loan forgiveness for all of my loans. 

Years later, in XXXX, when I began the process of recertifying my payment program, a Nelnet representative told me that a significant portion of my loans ( nearly 50 % of the balance ) did not qualify for PSLF because they had not been consolidated as direct loans. I told her that I had consolidated in a " special direct consolidation  loan opportunity '' and she told me that process hadn't actually consolidated my loans into direct loans. Now, on several follow up calls, Nelnet representatives have given me conflicting and inaccurate information about which of my loans might qualify for PSLF. 

I believe that I was mislead by Nelnet telling me I was in a " DIRECT consolidated loan opportunity '' when in fact my loans were NOT consolidated into direct loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I have been in contact with my bank several times about this matter. I was scammed with money orders that were fraudulent. I was given them by someone I was " hired '' to work for. He made me deposit the money into my account and buy XXXX for him. I was manipulated into doing this multiple times and now my banks says I'm liable for {$9000.00}. I can't afford to pay that money and they already took away some of my own hard earned money. I shouldn't have to pay them this money. I am the victim here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: LA

Complaint narrative:
I received a payday loans from Greenline loans for {$300.00} on XXXX XXXX. I have paid {$500.00} as of XX/XX/XXXX XXXX on the loan and a balance of {$400.00}. I wasnt aware the interest rate was 748 % on the loans. I also was inform that by it being a XXXX loan company they can charge whatever fee they want. They will not just take the {$200.00} loan fee they want {$600.00} loan fee. I pay {$100.00} a month but I cant afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I RECENTLY REPRTED A INACCURACY ON MY CREDIT FILE FROM XXXX XXXX AND I FILED A COMPLAINT WITH THE XXXX NEVADA AS WELL THIS IS INCORRECT OR INACCURATE INFORMATION I AM ASKIMG THAT SLL 3 CREDIT BUREAUS DUE THEIR DUE DILIGENCE AND INVESTIGATE OR REMOVE THIS ACCOUMT FROM MY CREDIT FILE ASAP!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
CareCredit is charging a " card security fee '' monthly that I did not authorize.

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 2019-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
This complaint is in reference to my XXXX XXXX account. I made a purchase from XXXX XXXX in XXXX of 2017 and stayed current with the payments. However, my account was purchased by another lender without my knowledge and I was never notified. I've since encountered several billing issues that have resulted in a problematic sequence of events with this lender. The fact that I'm not receiving a bill leaves me behind on several months worth of payments. After the initial breach of terms that I had agreed to I suspect this is the lenders attempt to reconcile the account in full to reduce it's liabilities or sever it's liability altogether by forcing this account into default. I have received hundreds of harassing phone calls from unidentified callers claiming to be associated with this bank demanding bank account information which I have refused to disclose over the phone to an unidentified caller ( sometimes from XXXX XXXX. The bank has admitted a billing error, but refused to bring the account current a resume accepting the agreed upon amount as payment. On every statement they offer credit counseling, which I suspect they charge a fee for. This may play a role in the reason why they do this. I have never agreed to auto-draft payments as they not consistent with my pay frequency, nor did I agree to balloon payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-31 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not 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 2019-07-31 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not 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 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
We are currently in escrow on a property and this lien holder is the 2nd deed of trust. The property has short sale approval from the 1st lien holder. If the escrow doesn't close then the property will be foreclosed on and the second lien holder will get nothing. We are requesting that they reduce the current settlement amount of {$25000.00} as the 1st lien holder will only pay {$6000.00} towards a second lien holder. The borrower is deceased so there will be no other way for this 2nd lien holder to recover money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: FL

Complaint narrative:
Two fraudulent accounts have been posted on my credit and I have No association with these accounts. Ive been battling with the debt collections and telling them this is not me and its fraudulent. Its NOT my name nor my information that they have and it needs to be removed. The two fraudulent accounts posted are : XXXX   XXXX, fraudulent balance : XXXX, alert date : XXXX. 
XXXX XXXX XXXX, fraudulent balance : {$880.00}, alert date : XXXX. 

These accounts are not mine and need to be removed. Ive never worked with any of these companies.

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 2019-07-31 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: FL

Complaint narrative:
Two fraudulent accounts have been posted on my credit and I have No association with these accounts. Ive been battling with the debt collections and telling them this is not me and its fraudulent. Its NOT my name nor my information that they have and it needs to be removed. The two fraudulent accounts posted are : XXXX   XXXX, fraudulent balance : XXXX, alert date : XXXX. 
XXXX XXXX XXXX, fraudulent balance : {$880.00}, alert date : XXXX. 

These accounts are not mine and need to be removed. Ive never worked with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I RECENTLY REPRTED A INACCURACY ON MY CREDIT FILE FROM XXXX XXXX AND I FILED A COMPLAINT WITH THE XXXX NEVADA AS WELL THIS IS INCORRECT OR INACCURATE INFORMATION I AM ASKIMG THAT SLL 3 CREDIT BUREAUS DUE THEIR DUE DILIGENCE AND INVESTIGATE OR REMOVE THIS ACCOUMT FROM MY CREDIT FILE ASAP!!!!!!!

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 2019-07-31 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I RECENTLY REPRTED A INACCURACY ON MY CREDIT FILE FROM XXXX XXXX AND I FILED A COMPLAINT WITH THE XXXX NEVADA AS WELL THIS IS INCORRECT OR INACCURATE INFORMATION I AM ASKIMG THAT SLL 3 CREDIT BUREAUS DUE THEIR DUE DILIGENCE AND INVESTIGATE OR REMOVE THIS ACCOUMT FROM MY CREDIT FILE ASAP!!!!!!!

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 2019-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have now received 2 calls threatening to serve me papers or take me to court regarding a XXXX/Victoria's Secret credit card that was discharged in bankruptcy over 4 years ago (the original debt would have been about 10+ years old now). The first call came a few days ago from an unknown number where the woman did not identify herself or the company. I suspect the caller was from XXXX XXXX   because I did hear a phone number during the transfer and it had a (XXXX) area code. I, however, did not get to write down the number. The woman who called was hostile and told me to "pay my bills" and "not buy things I can't afford" when I told her the call was illegal because the debt had been released in bankruptcy and would have been time-barred anyway. She continued to insult and threaten me with legal action for a few seconds then promptly hung up before I could say anything else. Today, I received another call (from a different area code) about the same debt. The recording identified the company as a "XXXX XXXX XXXX." I believe this company has called me before. The man I spoke with knew my name, birth date, full social security number, etc. He said there was a civil case against me pertaining to this debt. When I told him the same thing that I told the previous caller, he said to "lose my attitude" and that he would "check on the bankruptcy, but I'll see you in court" and then immediately hung up before I could tell him that I was going to report them. Since declaring bankruptcy after a financial hardship, I have established excellent credit and payment history. I do not have any outstanding debts, and I do not have an account with XXXX/Victoria's Secret. I am tired of still receiving harassing calls over a debt that I legally do not owe and haven't for several years now. Additionally, I find it extremely concerning that companies with no valid reason to access personal information such as a social security number can so freely access this information -- it is no wonder that identity theft is so rampant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Today, I learned about an unlawful policy that was put in place by PayPal. This policy calls for PayPal to place and maintain a hold on the transfer of funds ( from the buyer of a product to the seller of a product ), even when both parties agree that no additional performance is due and that the funds in escrow should be released. This policy is a clear breach of fiduciary duty by PayPal and can not be excused as a reasonable impairment of a sellers right to access their funds : especially if the parties agree that delivery has been made and that the buyer is happy with the good/service that was provided by the seller in exchange for valuable consideration ( i.e. the money that was put in escrow by the buyer to be turned over to the seller upon delivery ). The unreasonableness of maintaining a funds transfer hold in such situations has been explained to PayPal via telephone and email by this complainant. Please investigate, and sanction, PayPal for a willful breach of their bailment contract with sellers, a willful breach of their bailment contract with the buyer, their trespass to sellers XXXX & XXXX.

Company response to consumer: Closed with explanation