vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: CA

Complaint narrative:
NOTE : I am no liable for this account since my information was used by a family member, XXXX has sent me a " Lease agreement '' with date of transaction, with my " electronic '' signature not it. No hand written signature provided which does not prove I signed that lease. 

I have sent multiple letters to XXXX, XXXX, and XXXX in regards to this debt. I have asked them multiple times to " Verify '' this debt. The first time they have removed it. I believe a couple weeks later they have added the debt back on to my credit report, then removed then added, which has significantly damaged my credit score after hard work of building it. XXXX  has done this multiple times which resulted in decreasing my score significantly. I have sent them a re-insertion letter, explaining that if they had already removed a collections account that is still " Unverified '' that it should stay removed under FCRA! I am currently in the process of getting this account removed from my credit report since, 1. I am not liable for it. 
2. it is stopping me from establishing good credit. 

I have also contacted via letters the creditor directly so they can also verify this account. 

Debt is listed on all 3 of my credit reports under : XXXX XXXX XXXX - Amount is {$820.00} Original Creditor XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I notice a couple of hard inquiries on my credit report from XXXX   and XXXX. That I did not give permission to run my credit. 

The name of the Company was XXXX XXXX XXXX XXXX XXXX, M XXXX Please help me to correct this item. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
I notice a couple of hard inquiries on my credit report from XXXX   and XXXX. That I did not give permission to run my credit. 

The name of the Company was XXXX XXXX XXXX XXXX XXXX, M XXXX Please help me to correct this item. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have had multiple credit card accounts taken account in my name, rental lease agreements taken out in my name in 2015 in XXXX and XXXX in the city of XXXX, WA. I have had credit cards used in my name for purposes such as XXXX, XXXX, and multiple other companies using my credit card. The charges began in 2015 and have continued to date, even after opening a new checking account with XXXX XXXX XXXX XXXX. I have tried to fight the fraudulent charges but have not been successful and my social security number has been severely compromised. I believe it has been hacked through experian and someone has access to my credit cards and debit cards. I have been rejected from rental applications and jobs because of errors in 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 2018-08-10 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: CA

Complaint narrative:
When I was reviewing my credit report from Transunion and XXXX  I notice a hard Inquire that I didn't give permission to have. I would like this item to be removed. from both Transunion and XXXX. and a letter stating that is have been 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 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was enrolled in paperless billing for my Citibank card. I regularly have to de-select paperless billing from the moment that I log in to my account. It seems like this happens every time I log into my account. I use my paper bills to help me track when things are due. I missed my XXXX payment inadvertently because I did not receive a paper statement. I never did enroll in paperless billing. This caused me to incur a {$35.00} late payment fee. I did not make the XXXX payment on time either because I did not receive a paper bill. This put me having a 30 day late payment on my credit report and incurring another {$35.00} late payment fee. I made a {$130.00} payment on XX/XX/XXXX. I could not find online where I was enrolled in paperless billing. I thought I must have accidentally thrown away the statements. I have now missed my XX/XX/XXXX payment. I made it today on XX/XX/XXXX and realized I had missed it because I received a phone call from a number that registered to Citibank. I now will incur another {$35.00} late fee. I did finally find on the website in my account where I was showed to be enrolled in paperless billing and I have now changed it back to paper by mail. I feel that I never made the selection to change to paperless and have now incurred three {$35.00} late payment fees and a hit to 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 monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these accounts were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX  5.XXXX  XXXX 6. XXXX XXXX 7. XXXX / XXXX 8. XXXX XXXX XXXX 9. 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 non-monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018 I made a transfer from my bank of america application on my phone to my wedding photographer XXXX XXXX XXXX ' for the amount of {$2500.00}. 

I called to confirm the transfer which bank of america told me it went through to the XXXX account assoiciated with his number phone. I let XXXX know and he said there is nothing in his account nor anything is pending. 

I then contacted the bank again and they said it takes a few days for it to go through so I left it alone as I was on my honeymoon. After following up with XXXX there was still no money pending in his account. 

I then filed a investigation to see where the funds went. I got off the phone with them today XX/XX/2018 at XXXX and they told me that the person that has the funds will not release it back and that there is nothing I can do. 

I called bank of america and they are not willing to get my money back and simply told me there is nothing they can do and for me to take legal action. I have filed a IC3 report and will be going to file a police report also.

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 2018-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX and XXXX got a judgement against me and I wasn't even invited to the hearing. Then they garnished my wages in XXXX. I was shocked and called them. They said I owed for a student loan and there was nothing I could do. So they garnished my wages for a while and then I got laid off. Then I got a job working for the XXXX via XXXX through XXXX XXXX XXXX and I didn't want my wages garnished again, and I was scared and ignorant and called them to do a payment plan of XXXX a month. Paid that for over a year. Then I realized that I could do an excemption as I was heal of household. Called XXXX XXXX XXXX and told them that I was going to file that, and that I was not authorizing them to take payments out of my bank account anymore. They said fine, but we'll get you when your daughter turns XXXX. I also asked them to provide me who the loan was originally from. They refused to do so. Then I got a notice from XXXX XXXX XXXX XXXX XXXX showing the loan interest I had paid for XXXX. Put the two together and realized that XXXX XXXX XXXX bought the loan from XXXX XXXX. I know of no loan that I ever had from XXXX XXXX. 
Now the my daughter has turned XXXX, they are calling me again. I am starting a new job soon working for the government through a contracter. They are obtaining a Secret Security Clearance for me, and I'm scared that the fact that XXXX XXXX XXXX garnished my wages once, and may again with my new job, that I may not be able to get the Sec. Clearance, and then I will lose my job. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America Auto ( BOA ) Loan account # XXXX was paid in full on XX/XX/XXXX by XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX ) sent payment in the amount of XXXX total selling price of the vehicle. The payoff amount ( good through XX/XX/XXXX ) was {$41.00}, XXXX. Thus amount received by BOA was an OVERPAYMENT in the estimated amount {$4100.00}. BOA sent e an email indicating the account was paid in full ( XX/XX/XXXX ). 
Special instructions were sent to BOA by XXXX to deposit the OVERPAYMENT into my BOA checking account ending in XXXX. BOA supervisors ( XXXX XXXX, XXXX, and XXXX ) all informed me that once receipt of statement from XXXX showing that the 1 ) check cleared from their account and 2 ) written notification that the funds would NOT be returned to XXXX, the OVERPAYMENT would be deposited into me checking account within 1 business day.

It was confirmed that BOA received both documentations 1 ) statement ( received on XXXX and XX/XX/XXXX ) and letter ( received on XXXX ). To this date, BOA will NOT release the funds into my account. I spoke with XXXX regarding this issue this morning, advised the funds would not be released until XX/XX/XXXX and deposited on XX/XX/XXXX. 
This is unacceptable due to the fact that myself and XXXX has went above and beyond to comply with BOA. BOA are refusing to release the money owed to me as indicated. 


XXXX Contact Info XXXX XXXX Member Solutions Specialist| XXXX  XXXX XXXX XXXX P :  XXXX<tel:XXXX>| F : XXXX<tel:XXXX. XXXXXXXX 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 monetary relief
Consumer complaint received 2018-08-10 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: OH

Complaint narrative:
In XX/XX/2018 I disputed a fraudulent account with reporting a false incorrect social security number tied to this account on my TransUnion credit file. The discovery was made that the Debt Collection Company named XXXX XXXX XXXX, Original Creditor XXXX XXXX has used the name on my credit file to falsely and fraudulently place the said account with a fraudulent social security number that does not identify me. TransUnion Dispute result claims the information is correct even though it is obvious the social security number XXXX XXXX XXXX has provide to TransUnion does not match that of my true identifying social security number. TransUnion has failed to properly address my concerns regarding the identity theft and I feel my dispute was never investigated. I have filled an Identity Theft Report with the FTC and have included the copy of my Identity Theft Report and all supporting documents required stated in the report from the FTC.

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 2018-08-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Request credit reporting agencies to verify/validate items by disclosure of documents and method for accounts being placed to my credit - according to 611 ( a ) ( 7 ), 609 ( a ) ( 1 ) ( A ) & 611a ( 1 ) ( A ). These steps are required by them to ensure it is correct prior to placement to my file or delete the unverified accounts after 30 days of investigation per 611 ( a ) ( 5 ) ( A ), ( first letter dated XX/XX/18, 2nd letter sent XX/XX/18 ). Response ( s ) have been no response, updated, meet FCRA, and account closed, but still remain on my file without any documentation being provided as to the validation of any of the accounts being there. I have been requested by the CRA to provide information to them, ( assuming to verify/validate ) under 1681 ( a ) ( 3 ) it is the vital responsibility of the CRA to ensure the information is correct by the providing source, as they have attempted to place it back on me. One has stated it requires an extension after the initial request date was XX/XX/18, the extension date is until XX/XX/2018, which is longer than the 15 day permitted timeline, I received this update notice XX/XX/2018. No addition information was provided by me during the initial 30 days ( XX/XX/18 - XX/XX/18 ) to warrant an extension according to 611- ( a ) ( 1 ) ( B and C ) this is required, another violation.

I have response documentation, the certified dated documented delivery receipt ( s ) and copies of letter ( s ) mailed, I am unable to upload, but can supply them upon request by fax, or mail.

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 2018-08-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Request credit reporting agencies to verify/validate items by disclosure of documents and method for accounts being placed to my credit - according to 611 ( a ) ( 7 ), 609 ( a ) ( 1 ) ( A ) & 611a ( 1 ) ( A ). These steps are required by them to ensure it is correct prior to placement to my file or delete the unverified accounts after 30 days of investigation per 611 ( a ) ( 5 ) ( A ), ( first letter dated XX/XX/18, 2nd letter sent XX/XX/18 ). Response ( s ) have been no response, updated, meet FCRA, and account closed, but still remain on my file without any documentation being provided as to the validation of any of the accounts being there. I have been requested by the CRA to provide information to them, ( assuming to verify/validate ) under 1681 ( a ) ( 3 ) it is the vital responsibility of the CRA to ensure the information is correct by the providing source, as they have attempted to place it back on me. One has stated it requires an extension after the initial request date was XX/XX/18, the extension date is until XX/XX/2018, which is longer than the 15 day permitted timeline, I received this update notice XX/XX/2018. No addition information was provided by me during the initial 30 days ( XX/XX/18 - XX/XX/18 ) to warrant an extension according to 611- ( a ) ( 1 ) ( B and C ) this is required, another violation.

I have response documentation, the certified dated documented delivery receipt ( s ) and copies of letter ( s ) mailed, I am unable to upload, but can supply them upon request by fax, or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Brokers Inc.
State: CO

Complaint narrative:
I have been fighting with a collection agency over debt from XX/XX/XXXX. The statute of limitations has been reached, twice, and they are filing another court case against me. 
The original case was filed in XX/XX/XXXXand they weren't able to collect the debt then, and now my wages are set to be garnished. I didn't even know they were going to do this. I have not had any communication with them since I last spoke with their lawyer and informed him that the file dates were beyond the statute of limitations. Now the court docket does not have any lawyer information on it, only the company that is suing me for debt that was charged off over 11 years ago. 

Collection agency : Account Brokers of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these accounts were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX / XXXX 8.  XXXX  XXXX XXXX 9. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I am writing against NAVIENT again, during the past Year I was participating in a Rotating Internship in XXXX University and due to the MAria Hurricane in Puerto Rico my family was affected. 

I have been struggling with NAVIENT becuase I requested a forbearance becuase I was in an internship/XXXX program. They didnot allowed it to me. Even tough I have been paying on time. The problem I used to have that being an intern I was only getting paid once a month and I requeste navient to change the date f payment several times, which they did not do it. Even tough I was making and I am making the payments, every month I am receiving calls from them saying that I am late on my payments and every month I go to the website to verify how much I have to pay becuase they have been back and forth changing my payments every month. I was making my payments according to the website and paying them through my bank, they were receiving my payments but the people that works there is not profesional and they dont know what they are doing, placing my payments into other loans and if I make one payment for all the loans, they should me in charge of putting the payment in the correct loan. They are not doing that and every month now they are sending late payments to the credit bureaus and that is affecting me when I am amking my payments on times. Another situation is that, even if I pay the correct amount of money on time, days later they call me saying that I did not mada my payments accordingly and saying that I still have to pay XXXX or XXXX dollars more. Which is impossible For exampley by XX/XX/2018 I made ap ayment of {$200.00}. 10 days later they are calling me saying that I am late, and I told them that was impossible becuase the payment was already made. She said that I had XXXX $ late and I said that I paid was was on the website when I made my payment on time. 

Now I am having again late payments on my credit report. and they want also you to give them an automatic payment which I will not give them becuase they are overchanging every month and not doing the correct job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MCM-XXXX XXXX XXXX has been harassing me by phone for 10 years and with letters for 10 years for a debt from XXXX. I have moved 3 times and they still find my address and I put them on the do not call list and they just change phone numbers that they call me from to bypass it. I was punished for this debt in the form form of a XXXX as written off income by the company, XXXX. I had to claim it as income added to my real work income and I was taxed for it! They wrote it off if they sent me a XXXX yet MCM a 3rd party company will not quit bothering me for the debt because they want for me to pay THEM! They know it is wrong because at the bottom of the letter in very tiny print it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it to the credit bureau ''. I live in Texas and can not be sued for any credit card debt to begin with! They need to leave me ALONE!

Company response to consumer: Closed with non-monetary relief