vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IN

Complaint narrative:
I was only informed of this debt that I did not owe because I received a letter at my mothers house. Someone allegedly used my information to obtain furniture, they never made a payment, and I was sued because of this. I never signed a contract, made a purchase, went into any type of agreement with this company or any of its representatives. I found out this furniture was delivered to an address that I have never been associated with, and I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-01-06 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Over the course of this loan 's repayment period, any and all requests for adjustment of loan repayment were denied. This included requests for a transfer to an income-driven repayment plan. Eventually, the total monthly loan payment of over {$1500.00} was unable to be paid. After this occurrence, while discussing repayment option, I once again asked about repayment options - specifically, income-driven repayment. I was informed that they did, in fact, have such a program, but since I had posted a late payment, I was ineligible. 

In conclusion, it appears that the loan servicer lied about repayment options until I had lost the ability to apply for such programs due to the amount of the monthly payment. 

The monthly payment remains in excess of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: SC

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND 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 non-monetary relief
Consumer complaint received 2020-01-06 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 just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTIONS SERVICE S SHOWING ON MY CREDIT REPORT THAT I OWE {$89.00} TO XXXX XXXX XXXX XXXX XXXX I CANCELLED THAT POLICY AND IT WAS PAID THIS WAS PAID IN FULL WHEN CANCELLED

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Saturday XX/XX/2020 I went online to Experian to get my free credit report which I ordered online and hopefully that will be mailed out to me but I also paid {$14.00} to Experian Connect to XXXX  my credit report for 30 days with businesses that may need my credit report.

IN order to " Share '' my credit report with others, Experian Connect required me to put in said business " EMAIL address '' so an " Invitation '' could be sent to that person or business.

I did so. The realtor I am dealing with received the invitation link and was then prompted to put her personal SSN # and information just to receive my credit report. I have not received any information stating they received link etc.. as experian connect said I would. The realtor is not comfortable putting in her information to Experian Connect Monday XX/XX/2020, I phone Experian and reach XXXX in the XXXX where she informs me that Experian Connect is not within her realm and I need to phone ( XXXX ) XXXX. I call that # and the voice prompts do not allow me to address my problem and so the call is disconnected. I then phone XXXX XXXX XXXX XXXX another Experian Connect phone # which is same voice prompt system as above # and it also does not allow me to address my situation and speak to a live person> I would like my {$14.00} returned to me and my credit report mailed out as the company Experian is a total fraudulent irreputable company just taking money and not even supplying manpower for people to be heard.

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 2020-01-06 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I attempted to pull my annual credit report from Experian and received the message that their server was experiencing problems and the report would not be available. The system then checked off that the experian report had been accessed ( which it had not ). I  believe the same thing occurred the last two years. This is XXXX ; they should be required to fix their problems or allow you to access the report after their computer problems are resolved.

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 2020-01-06 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: SC

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND 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 2020-01-06 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: SC

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX my city and county taxes came due. XXXX XXXX said they sent out both however the city taxes to todays date of XX/XX/XXXX have not been paid. I have notified them twice on their online communications system and have not received a communications back. First and foremost they didn't even send the correct amount on top of all of this they gave me a refund early last year on my escrow when they shouldn't have done so. This company is horrible and should be closed down. They have now cost me {$81.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: WV

Complaint narrative:
I have received late fees for not making on time payments since XX/XX/2019. However the due date was changed from the end of the month to the beginning of the month without my permission, and I was not made aware of this change. I have called about this issue, however never get a straight answer as to why it was changed. This is an illegal action under the CARD act if I am not mistaken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-06 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:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2020-01-06 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:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received a garnishment summons in the mail from c/o XXXX XXXX XXXX, XXXX that are representing American Express National Bank on approximately XX/XX/2019. This is in the amount of {$2600.00}. I tried contacting them to find understand what was going on and what this debt was about. I then sent out a certified letter on XX/XX/2019 in an attempt to have them validate the debt. They did not respond or answer the letter that I sent out which should have been delivered on XX/XX/2019. I have had my personal information compromised in the past and want to be notified of what's going on. By law they must validate this debt and provide evidence showing my signature on it showing that I have an agreement with them. They need to comply with the FDCPA and verify the information or have it deleted. It has been over 30 days and they refuse to validate the debt or even show that I am disputing it which is a violation and I am owed {$1000.00} in damages for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Hi, I found a seller online on XXXX by the Name XXXX XXXX. His email address is XXXX. I purchased XXXX   XXXX XXXX tickets from him and paid him from my SunTrust account via XXXX. I was able to receive the ticket but when I went to the park the tickets were void and they informed me that a chargeback was made on the card through which the tickets were purchased. I contacted my back and they informed me that they are unable to do anything with it as XXXX has no fraud protection. I would appreciate if I can get any assistance with the refund. I also have sellers phone number XXXX. The amounts that were sent was {$550.00} and {$35.00}. 

Thank you, 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 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX began servicing my mortgage as of XX/XX/2019. Per XXXX, 2 payments were misapplied in XXXX and/or XX/XX/2019. My bill pay history shows that my account has always been paid in full by the XXXX of the month, which is the final date payment is due before any late fees can be applied. I was made aware of the misapplied payment in XXXX and have been working with XXXX, primarily via phone, ever since in an attempt to get the payments reapplied correctly. 

In XXXX, I was instructed by XXXX to submit a written dispute via e-mail. I submitted that dispute on XX/XX/XXXX and received a letter from XXXX on XX/XX/XXXX confirming receipt of that letter. XXXX has failed to respond to me within the federally regulated time frame. Now they are reporting late payments to the credit bureaus and hurting my score because of their error. 

I have attached both my letter to XXXX, my payment history from bank account, and my response from XXXX. Thank you for your time and attention to this matter.

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 2020-01-06 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I was monitoring my credit report and noticed a collection from Wakefield and Associates. I contacted Wakefield and Associates since this is the first time I've ever heard of this debt. Wakefield and Associates provided very little information on the debt ... They  stated they tried to contact me once by mailing me a letter. This letter was mailed to my emergency contact 's address on my medical forms and not to me. When I asked them to provide the contact information of the original creditor. All they could provide me with was an abbreviation of XXXX XXXX XXXX XXXX but they do not have an address or phone number for their own client. They told me the services was provided by a Dr. XXXX but the hospital where are the services were provided has never heard of a Dr. XXXX ... .. 
Lastly, I had insurance when I went to this hospital. There was a dispute between the doctor and the insurance company over the bill due to a incorrect diagnosis by the doctor. The doctor provided medication which worsened be conditioned and I had to be reefing at a medical facility which corrected the problem. Therefore the payment dispute lies between the insurance company and the doctor 's office and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Due to dissatisfaction with CAPITAL ONE 's ( the bank ) business practices, I closed a secured credit account in third week of XXXX. I was told that the business cycle had just ended and deposit would require an additional month to be refunded via PAPER CHECK. I was also told that my deposit had earned XXXX interest while it was in the possession of the bank. 

The credit statement ending XXXX XX/XX/2019 shows the refund was issued on XXXX XXXX. The holiday season came and went ; still no refund received via mail. 

On today ( XXXX ) I called to inquire to the status of my refund and was not given a satisfactory reply. I feel that is is unreasonable and abusive for the security deposit to earn XXXX interest, and for a simple deposit refund to require 6-plus weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XXXX, I attempted to reload my American Express Serve Prepaid Checking Account and the card got Declined at 1 ) XXXX XXXX XXXX XXXX XXXX XXXX ( kiosk Machine XXXX, XXXX, and XXXX ). I thought it was someone who had hacked the Kiosk Machine ( again ) and chose to prevent me from paying with card. So, I called the XXXX XXXX ( XXXX ) XXXX and shared how someone hacked the Kiosk Machine and prevented me from reloading my XXXX Card ( {$1.00} ). This occurred around XXXX XXXX. EST. Then I arrived to XXXX XXXX, FL ; chose to pay for a Strawberry Milk Shake at the XXXX  located at : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; and my transaction kept saying DECLINED. I knew I had at least {$12.00} ( rounded off ) ; and it kept saying DECLINED over and over. So, I had to pay for the order in cash ( see image - {$2.00} ). Once I received the order, I called American Express Serve again, this time to speak to a Representative vs. hear my balance. XXXX answered the phone and said that a purchase of {$11.00} was used at XXXX ( yesterday XXXX ). This took place at a XXXX in XXXX, NY. It was in Pending status ; and that I have to wait 8 days for the Merchant to answer some questions. I told XXXX I want to DISPUTE the transaction. I twas not me. I did not shop at XXXX yesterday, XXXX. I only used my card TWICE yesterday, XXXX ; and therefore, since {$11.00} is STILL NOT in my account today, XXXX ; I am filing this CFPB complaint. 
In conclusion, please have {$11.00} credited back into my account. Make American Express Serve Department secure my account better and add my name back to the account the way it used to be. I am still who I say I am. I have not lost my identity, rights, or benefits in our country. I have my freedom 100 % ; and I don't understand how this really all happened. Perhaps your end does. I even emailed CFPB LAST night past XXXX XXXX. EST from my mobile phone ( XXXX ) XXXX ; and I still do not have the money in that account. Please have the online account fixed and the money placed back. It's a complete CRIME for anyone to steal that money and then say, " XXXX transaction. '' The last day I was in NY was on XXXX. I've been back in XXXX Florida since XXXX, and I have NOT left. Again, please have the money placed back in the account. Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief