vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted all 3 credit reporting agencies notifying them that these had inquires listed below are inaccurate and not authorized by me.I have ask over 45 days ago to Please investigate and remove this inquiries from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. I have sent letters via certified mail as it requires prompt attention and response from them to Please forward any documentation that they may have in regards to the removal of this credit inquiries. They are not cooperating and have not removed these inquiries that are affecting me.

XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX 2 Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2019-03-19 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: LEXISNEXIS
State: IL

Complaint narrative:
When recently applying to refinance my car, a lender pulled a report from both XXXX  and LexisNexis. LexisNexis reported a judgement on my consumer file in error. Upon investigation, I discovered 2 separate factors warranting the immediate removal of this account from my report : ( 1 ) the account information belongs to a consumer with a different last name & different social security number than mine ; and ( 2 ) the judgement was for collection of a loan that originated on XX/XX/2010. This information was supplied to LexisNexis, and they refuse to remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
I have contacted each credit breau to validate this debt, also to verify if the debt actually belongs to me, I have yet to recieve any thing stating how this debt belongs to me, I have also notice that each month the debt increases by a XXXX and also I have checked to see if the are license and bonded to collect in my current state and they are not. I would like this account to be removed from my credit file, they can't give me the original documents proving that I am responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Back on XX/XX/XXXX, I noticed there was an account on my credit report which I did not recognize. It was a collection to XXXX XXXX for {$9000.00}. Upon closer examination of the account, it said XXXX was collecting a Capitol One Credit Card balance for the aforementioned amount. I have never had a Capitol One Credit Card. 

I disputed the account with the credit bureaus because I was sure this was a case of mistaken identity or the account was on my report accidentally. Once I received my results recently I was surprised to see the bureaus had verified that this debt was mine. I know this is impossible because again I have never had a Capitol One Credit Card. Today I attempt to call XXXX XXXX directly and try to reach a collector. Once I get to a collector, they tell me that there is an attorney on file. They won't allow me to speak to them unless I send them a letter in writing saying I am revoking the attorney on file. Because I've never had an attorney, and because I've never had a Capitol One, I know this account is not mine. Unfortunately they don't care. I can't even speak to a collector to get to the bottom of this account unless I revoke an attorney who I have never hired. I also don't want to revoke an attorney for the individual this debt does belong to. It might actually mess him up. I am now asking that you help me in this because at this point, short of suing them, I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a counter deposit for {$3500.00}. It was a check issued on a CITIBANK account which was deposited on my CITIBANK Account. On XX/XX/XXXX the funds were not available. I contacted CITIBANK via chat line and they told me that they needed to verify the funds before crediting them to my account which would likely happen on Thursday, XX/XX/XXXX. I replied that they could not do so if the funds were coming from a check issued on the same bank. They acknowledged their mistake and said they would have corrected the mistake immediately and credited the funds to my account. They did not correct the issue. It looks like a pattern of intentional mistakes and misleading information to customers to illegally appropriate funds for their own investment purposes.

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 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have sufficient evidence the debt in question is not in default, and has been in repayment based on the agreed upon terms of {$200.00} per month since XXXX with the Department of Defense. Furthermore, the amount that is stated as owed is incorrect and should be corrected to reflect the actual balance due. My records indicate the amount outstanding after the four subsequent wage garnishments is {$9600.00}. While in administrative review, I expect the amount in question to be held constant and only be netted down in the even a wage garnishment is applied. The exhibit below shows the payments made since XX/XX/XXXX, showing consistent and continual payments. 


Secondarily, I object to the administrative fee that was applied to the note of approximately {$5000.00}, which represents approximately $ 41 % of the total outstanding loan balance. This practice and act was not approved and I gave no prior consent to adding this fee, it is also applied in error as this should have never been moved over in the first place to the US Treasury and should have been kept and housed within the DOD repayment website. This fee amount represents predatory lending practices and is a fee that is unconscionable, especially since the 10yr US Treasury Yield is 2.668 % as of XX/XX/XXXX. The mere size and existence of this fee is unacceptable ; in other terms it represents 2 years of hard work and labor paying down the note. 


As of XX/XX/XXXX - Four wage garnishments have been extracted from my pay in the last 36 days equating to {$3700.00} challenging my ability to pay my normal monthly bills and living expenses to support my wife and child. 
An agent of XXXX XXXX XXXX stated they were unwilling to accept a settlement agreement along with not responding to my formal request for a hearing.

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 2019-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2019 an overpayment was made to my XXXX XXXX  credit card. They will not give me my money back which is {$1900.00}. I have multiple voice recordings of their customer service telling me the check is in the mail. I am headed to court to start a suit against XXXX XXXX. Regulation Z states any overpayment money is to be returned to the credit card owner. Ivebeen asking for my own money scince XX/XX/XXXX. Theres No fraud, they know who I am. Ill even show them my liscence at a store if need be. Its utterly ridiculous to make me jump hoops. We will be in court. Thank you, 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 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I received auto insurance through my BANK USAA and I was involved in a car wreck which had nothing to do with me but they deemed my car a total loss and continued to collect insurance payments from my bank account months afterward instead of canceling it due to the total loss. They fraudulently kept it open and collected payments that were invalid. They never sent me the check that they wrote I would receive as well. I am reporting fraud and asking for the. To send me my check and to stop stealing fake payments from my checking account which is also USAA. When I check my account it states the car is deemed a loss and this means they should have closed my account the Investigation is over. They received all documentation the minute It was received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP
State: FL

Complaint narrative:
has called and represent the state collectors office and left. ref. XXXX and I have asked to stop calling and get robots

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 2019-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Back on XX/XX/XXXX I went to XXXX XXXX  for XXXX XXXX. Unfortunately I was late and XXXX XXXX  said I would have to reschedule. After seeing the XXXX XXXX   environment, I did not think the place was safe. I left without giving my information such as insurance and license. 2 years later, I received collection notice from AR Resources? I wrote back and informed them I did not use the service nor did I receive any billing notices. AR Resources sent me back 2 billing notices, over a year old and with 2 different addresses? AR Resources then started the constant phone calls at all times during the day and night. I tried talking to them on several occasions explaining the situation, and their only resolution was for me to pay! I stated I dont pay for services not rendered. They continued with their harassing phone calls, even on Sundays nights, and I just refused to answer anymore, and I thought that was the last I head of this. In late XX/XX/XXXX I checked my credit reports and saw the collection notice on XXXX  ONLY! After much research, I went back to my XXXX claims all the way back to XX/XX/XXXX, and found out that XXXX XXXX filed NO claims! Why? Because there was no services rendered!! The was XXXX XXXX for XXXX XXXX XXXX, but NOT XXXX XXXX   Personally, I believe that AR Resources went to far, illegally too far, and I would recommend anyone being contacted by AR Resources to get an attorney and sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: CA

Complaint narrative:
Today i woke up to an account being on my experian report from XXXX. The card had already been removed from my report back in XXXX after i filed a police report, and waited for it to go away. I pay for the subscription to experian directly so i get alerts at all times. This was just on my report with history that was also not mine and ruined a funding opportunity for my business. Experian says that as long as XXXX   doesnt accept that my identity was stolen, then the charges stand. How is XXXX   able to dictate it MY identity was stolen. Im so tired of the narrative being changed when it comes to XXXX Americans and their credit. So often, others can take illegal advantage of opppetunities. When Im trying to do any and everything correctly, this pops up and they allege they can do nothing to help me. This is crippling my business, and all i can be told is to wait 30 days, after Ive already done so. I need help! This is unfair, and needs to be looked into. I havent had a XXXX XXXX  since XX/XX/1999

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 2019-03-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX CST, XXXX XXXX XXXX called my place of employment ( my desk ), after being transferred from the operator, from phone number XXXX. I was sued ( served ) by  XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. I had retained a lawyer and both cases were dismissed. One was dismissed in XX/XX/XXXX and the other in XX/XX/XXXX. These cases were dismissed without prejudice. The first one was dismissed because XXXX XXXX XXXX dropped the lawsuit and the second was Dismissed for Want of Prosecution. I should not be receiving phone calls from XXXX XXXX XXXX as both cases were dismissed. The statute of limitations has also passed ( 4 years in Texas ). XXXX XXXX XXXX has never contacted me at work and I am unsure why they are attempting to contact me at my place of employment given the reasons above. When they called they stated that it was regarding a personal matter and asked for the last 4 digits of my social and mailing address. I refused to provide either and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I still can not locate the name of the company but they called my work, my brother, and my sister stating they were calling from XXXX County regarding a grievance that was filed against me. They gave them the phone number XXXX-XXXX-XXXX for me to return the phone call. When I did, I asked them if they were calling from XXXX County as they had stated and she would not answer me. I then asked what company she was calling me from and she would not tell me. I explained that I had XXXX the phone number and nothing comes up. She then told me she would have to transfer me to legal without providing any information to me. When I spoke to the woman in legal, who also did not identify herself or the company she was calling from, she gave me my supposed case number and told me that there was a " location order '' for me and I said by who? I have lived in the same house for five years and it is not like it is hard to locate me. She told me I owed {$1500.00} in court fees and {$2000.00} from the balance on my account. 

She refused to identify herself or the company she was calling from so I hung up. The same company then called my sister again and left her a very threatening voicemail about how the authorities are looking for me and she needs to give them my location. They then left a message on my cell phone ( so please explain why they ever had to contact my family or my employer ) as they obviously have my cell phone and know how to get a hold of me from the phone number ( XXXX ) XXXX-XXXX. I called the back and told them to never contact anyone who knows me again as they obviously know where I am and how to get a hold of me and that I was going to file a complaint against them. Then the woman hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: CA

Complaint narrative:
XXXX and Experian are guilty of violating my consumer rights and violating F.C.R.A. rules and regulations on several counts. I did file for BK back in XX/XX/2009 which was a chapter XXXX.. However these 2 bureaus are reporting a chapter XXXX and stating they will report it for 10 years ... this is a violation. 
I disputed with them only to receive a computer generated statement saying they verified with the provider the information is correct. I called both bureaus who told me to contact court. COURT CONFIRMED IN WRITING THEY DO NO REPORT, VERIFY OR VALIDATE ANYTHING WITH CREDIT REPORTING AGENCIES ( see attached ) so it is LIE!!!! Then I disputed and called again and was told they get this info from XXXX XXXX. I contacted XXXX and received in writing statement that they did NOT get any response from the bureaus and did NOT get any requests for verification and validation ... SO XXXX   AND EXP LIED ON ALL DISPUTE RESPONSES SEVERAL TIMES ... THIS IS PUNITABLE BEHAVIOR AND I WILL COMPLAIN TO FTC AND ATTORNEY GENERAL 'S OFFICE IF THESE ARE NOT RESOLVED AND REMOVED

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 2019-03-19 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I enrolled into a student loan consolidation company in XX/XX/2018 which was called The XXXX XXXX XXXX. I supplied the XXXX  with all necessary documentation to consolidate my student loans along with my bank information to make monthly payments to the XXXX while they consolidated my loans. XXXX  was to pay minimum balances on student loans and or place them on hold or in a forbearance until the consolidation process was complete which I was told by XXXX  would take up to 6 months. Fast forward to XX/XX/2018 I pulled my credit to find out XXXX  did not make any payments to my student loans causing them to default. XXXX  also changed all of the my contact information to their contact information therefore I was not notified. I discussed this issue with XXXX   and they agreed it was an error on their part and even submitted an " At Fault '' letter to all 3 credit agencies and the credit agencies have denied removing the negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: CA

Complaint narrative:
Today i woke up to an account being on my XXXX report from discover. The card had already been removed from my report back in XXXX after i filed a police report, and waited for it to go away. I pay for the subscription to XXXX  directly so i get alerts at all times. This was just on my report with history that was also not mine and ruined a funding opportunity for my business. XXXX says that as long as discover doesnt accept that my identity was stolen, then the charges stand. How is discover able to dictate it MY identity was stolen. Im so tired of the narrative being changed when it comes to XXXX XXXX  and their credit. So often, others can take illegal advantage of opppetunities. When Im trying to do any and everything correctly, this pops up and they allege they can do nothing to help me. This is crippling my business, and all i can be told is to wait 30 days, after Ive already done so. I need help! This is unfair, and needs to be looked into. I havent had a discover card since 1999

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Altisource Portfolio Solutions, S.à r.l.
State: NY

Complaint narrative:
I received a letter in the mail on XX/XX/19 from a collection agency with a debt from XXXX. The product purchased was mistakenly placed on XXXX XXXX by XXXX as I did not order it that way which caused the last two payments to go unpaid due to a credit card change. 
I spoke with the collection agency, the agency put the debt in dispute as I was never contacted by XXXX to resolve said debt. I spoke with XXXX and they claimed they made calls and sent letters that were never received. I requested copies of the letters they claimed to have sent and was refused. 

The debt was paid at the time of the call to XXXX on XX/XX/19. 

Had they contacted me this would have been resolved without the use of a collection agency. 

Their use of a collection agency without attempt to contact me directly can potentially affect my credit.

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