vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC

Complaint narrative:
NCA Reported that I have not made my payment for this month. I have attached the bank statement. I have not been 30 days late and I need this information updated. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: AR

Complaint narrative:
I have a loan through great lakes borrower. i didnt know my school took out 9 small loans and not just 4 that have a high interest rate. As well as when i but it in forbearance they never explained that when taken out my interest would be capatalized. I also was told i was on a income based plan and that because if my income my amount is XXXX a month. they never said anything was gon na keep adding on. i was trying to figure out why my loan kept going up. when it cane time to remew my income app i didnt get notified till it was to late and they selected a plan fr me than i called and had to reapply for the income plan. and they but it on forbearance without knowing that it would capatialize my interest they just said it would freeze the account. They also make you think that if your on an income driven plan thatbis payment if XXXX than you are ok not that it gets more each month. i got rushed into signing up for school, also XXXX would have went local and not online cause they pretty much had me sigb up for a documents. thing that i had yo intial and sign that they used later for loa s i dodnt know i had.but they hadcaccess to all of that i am just now seeeing some of the paper that aas for my loans. As well as my school was to help me find a job when they accutally made it worse. and never helped i found my oown job not doing what my degree is for, only to find out i still have to take a certification test that cost XXXX for the test XXXX for books and a XXXX memebership fee. thus is 3 years adter school they never me tioned this not even after i graduated they lied on my resume.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank charges poor people at every chance. I opened my account on their app today to see while my account is in the black, they charged me {$30.00} Again. Yet today is Sunday XX/XX/2019 and the most recent {$30.00} charge is dated as tomorrow. They already owe me {$70.00} for forcing me into an overdraft without my permission. Now, in three days, MY Bank has stolen {$100.00} from me. I want MY {$100.00} back at once!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I received letters regarding a collection account from Transworld Systems. I have consistently requested copies of any and all paperwork with my signature attached with an ID. I have received very nonchalant letters from Transworld stating that I owe {$1000.00}. I have contacted the original creditor which is XXXX   XXXX XXXX. They have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Reviewed credit report and saw a number a hard inquiry from XXXX/XXXXXXXX XXXX XXXX, SD XXXX. Never applied for a XXXX   Card and made company aware. There have been no feedback from company. Requested information regarding hard inquiry.

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 2019-05-19 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: PA

Complaint narrative:
Reviewed credit report and saw a number a hard inquiry from XXXX XXXX XXXX, SD XXXX. Never applied for a XXXX Card and made company aware. There have been no feedback from company. Requested information regarding hard inquiry.

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 2019-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I'm trying to dispute these hard inquiries on that's on my credit. It is not me who ran these hard inquiries on my score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I RECENTLY WENT TO PURCHASE A CAR AND I NOTICED A ACCOUNT ON MY CREDIT REPORT FROM XXXX XXXX FOR XXXX XXXX FOR XXXX THIS IS TOTALLY FRAUD I AM REQUESTING A INVESTIGATION BE CONDUCTED AND THESE ITEMS REMOVE FROM MY CREDIT REPORT 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 2019-05-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have no knowlege of the following credit inquiry XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My Kohl 's charge account had been unused for approx a year and I bought a couple of items on XX/XX/2019. Based on email confirmation from Kohls I updated my billing and shipping address for my account on XX/XX/2019. I never received a monthly statement by mail or email. However, I had received emails for updates to my account information, shipping information of my purchases and hundreds of emails of advertisments. On XX/XX/XXXX, my mortgage loan officer pulled my credit report and informed me that Kohls was reporting my account as 30 days past due. As soon as I was informed, I immediatly contacted Kohl 's to resolve the issue. The first person I talked to advised that there had been no paper statements sent but there should have been email statements. I immediately searched my email account including my junk and deleted email and found no monthly statements or notices that my payment had not been received. After speaking with his supervisor, the Kohls representive said he would remove the late fees and submit a request to remove the past status from the reporting to the credit bueras but that would take several weeks to update on my credit report. After several weeks, my credit report had not been updated so I called back and spoke to another representative that said that she saw the request and that it would be updated at the end of the month when the account updated with the credit bureas. A few days later, I received a letter that stated that Kohls had investigated the credit reporting and it was correct. We contacted Kohls customer service again and they told us that the department that handled the credit reporting had made the decision not to remove the 30 day late reporting and that there was no one that we could speak to about the issue. Given that Kohls had my correct email address, mailing address and phone number, I dont understand why no attempt was made to contact me when my payment was not received. How does the account get to 30 days past due and no attempt is made to contact me. Most creditors would at least mailed a letter letting you know that your payment was not received. When it was brought to my attention, I brought the account current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: WA

Complaint narrative:
I requested an explanation of the debt and the company sent a copy of a promissory note from another creditor from 2003. Based on this information alone, the debt is past the statute of limitations in Washington state. A proper explanation of the debt includes payments made, amount due, date of last payment, and other relevant data to show the loan the collection agency is trying to collect is a valid debt, under the FCRA. Until National Enterprise Systems can show the valid debt, it should immediately remove the Collection Account from the XXXX credit bureau.

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 2019-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citibank Savings account online last month. When opening the account, I clearly indicated that " I am NOT subject to any tax withholding '' in the account application. However, Citibank made a very serious mistake by still withholding tax from my first month 's savings account interest. 

I request Citibank to immediately correct the error by refunding the incorrect tax withholding back to my savings account. Meantime, I request Citibank to ensure my savings account is set correctly to " Not subject to tax withholding ''.

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 2019-05-19 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: AL

Complaint narrative:
I RECENTLY WENT TO PURCHASE A CAR AND I NOTICED A ACCOUNT ON MY CREDIT REPORT FROM XXXX XXXX FOR XXXX XXXX FOR XXXX THIS IS TOTALLY FRAUD I AM REQUESTING A INVESTIGATION BE CONDUCTED AND THESE ITEMS REMOVE FROM MY CREDIT REPORT 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 2019-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2018, I have proof that a payment was made to XXXX XXXX XXXX XXXX for {$110.00}. I have tried to resolve it with XXXX XXXX XXXX XXXX, but they referred my account to a Collection Agency by the name of XXXX XXXX, who is threatening me and stating they are going to file a negative report to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/19, I corresponded with an individual via XXXX XXXX who said they had a ticket available for XXXX XXXX   XXXX in XXXX XXXX, CA. He said he would transfer the ticket to my email if I sent him 60 % of the face value ticket ( {$60.00} ) through PayPal. I sent the money and he immediately blocked me on XXXX and I have not heard from him in a couple hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I received a mailing XX/XX/XXXX from Convergent Outsourcing Inc.stating that I owed, XXXX  for Original Creditor XXXX Calling Card Classic. And if paid within 60 days, I only have to pay XXXX. I called and spoke with, XXXX XXXX, XXXX XXXX, and XXXX XXXX, All of which had numerous guesses as to what this was actually regarding but wanted to know all of my financial information and social security number right away. Finally, XXXX XXXX 'guessed ' that this was an old credit card debt from XXXX? I don't nor have I ever had an open credit card, that isn't current and up to date from XXXX. He then said 'oops ' and responded that he will just put in his 'fraud file '. I have never had any accounts associated with calling cards, XXXX classic or credit cards that were delinquent.

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 2019-05-19 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:
I submitted a hand written letter to the company and explained to them 1 ) that I never inquired about any loans or credit from these particular companies and also have never received any loan or credit from either company.

2 ) I also submitted a hand written letter explaining to this particular company that my name, address, and employment was incorrect and provided them with proof and correction of my name, address, and employment and it was not corrected at all. 
So therefore I am submitting an official complaint asking for your assistance and support to get these particular things fixed on my credit report being theyre reporting false and incorrectly on my credit report.

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 2019-05-19 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I had a voluntary repo and since then, the full amount of the vehicle was placed on my credit report. I know typically the vehicle is sold at auction, but Nissan is reporting the full balance to my credit reports which is incorrect. I don't recall receiving anything from them in terms of what the vehicle was sold for in the time that's allowed for the state of GA. For that reason, I feel it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The item, a credit card open under XXXX XXXX on XX/XX/XXXX and closed on XXXX, XXXX, was an act of fraudulent activity. 
Someone has stolen and used my personal information to commit theft, and charges have been placed under my name. Since I have never had any open account with XXXX, I have never received any bank statement from their branch. However, I received the information from my XXXX XXXX   account stating that I have unpaid fees under the account. Therefore, my credit score has decreased dramatically from excellent to fair status. 
Thus is the only information I have access to. 

Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$200.00} Term -- Monthly Payment {$47.00} Responsibility Individual Balance {$290.00} Highest Balance {$290.00} Payment Status 120-149 Days Late Worst Payment Status 120-149 Days Late Date of Last Payment -- Amount Past Due  {$230.00} Times 30/60/90 Days Late XXXX Remarks Canceled by credit grantor

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 2019-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I had a lease for a XXXX XXXX. Near the end of the lease, I went in to XXXX XXXX XXXX, in XXXX XXXX, GA looking to purchase a car to replace the XXXX. The sales person and also general manager told me that if I purchase a car with them, and work with their finance person ( instead of getting a loan on my own ), I would not have to pay the final lease payment of {$280.00}. It shows 'none ' for 'balance owed on trade ' on the purchase agreement for the new vehicle ( attached ). 
After many calls, texts and exchange of information, they are still billing me for the last payment, and have now sent the 'debt ' to a collection agency ( XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX GA ). I have a confirmed text from the sales rep, stating that I don't owe any more payments ( attaching a copy of that text ), but he and the XXXX are not standing by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IL

Complaint narrative:
Opened XX/XX/2017 Amount {$480.00} Account was closed but they sent to enhanced recovery company. Disputed. They never sent verification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have written to TransUnion, and XXXX  on serval occasions requesting the removal of Inquiries that I did not authorize. Only to be told that they have no affect on my credit. I do not have open accounts with these companies and have never applied for credit with them. On my Transunion credit report there is XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX/XXXX dated XX/XX/XXXX, and XXXX  XXXX dated XX/XX/XXXX, XXXX  XXXX  dated XX/XX/XXXX. On my XXXX report XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I have written these bureau 's over the past year disputing the accuracy of my report 's due to me trying to purchase my first house and these inquiries are affecting my score and preventing me from purchasing my forever house for myself and family.

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 2019-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
I am an XXXX XXXX XXXX XXXX member with a student loan account with FedLoan Servicing. 

I am enrolled in the Public Service Loan Forgiveness Program and currently on track to have loans forgiven in XX/XX/XXXX. I file for employment certification every year. My last accurate count of qualifying payments was on XX/XX/XXXX. In XX/XX/XXXX, I was notified FedLoan servicing had a computer glitch that erased 25 payments I made from XX/XX/XXXX through XX/XX/XXXX. I was told that they would need to manually recount and it would be done promptly. 

Here it is almost 10 months later and they have yet to fix this error. I am still missing 25 payments due to THEIR computer glitch. I have provided them documentation to show FedLoan previously certified those payments and I provided them records that I was making all those payments under an income-based plan. 

I have called over a dozen times and I get different information every time about the timeline and what they are actually doing with this review. This company has been derelict in its duties and I am running out of patience. I dont trust anyone that I talk to there ( in fact, one person I talked to last week said my concern about trusted advice is valid ). 

I have waited 10 months for a resolution - to get these past 25 payments certified a second time. I have done my part, and this company has not. 

This is urgent as I am only several payments away from completing this program. 

Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief