vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed bankruptcy. I reaffirmed my car loan with Chase Auto Finance never missing a payment. I have documented proof, a payment history summary. I have asked Chase Auto Finance to submit the correct principle balance to all Credit reporting agencys on several different occasions through there recorded customer service. I have disputed this matter with the Credit reporting agencys, to no avail. My principal balance as of today is {$12000.00}. Chase Auto finance is reporting as of XX/XX/2018 my balance is {$17000.00}. This discrepancy can only be some form of punishment for my Bankruptcy. Chase Auto Finance was the only reafirrmed loan on my Bankruptcy Petition. I am simply asking that the correct dollar amount of my principle balance be reported to all Credit Reporting agencys for future employers and lending agencys to access my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had a XXXX XXXX, but XXXX County canceled the occupational license, because of their mistake. The house was not in commercial zone and they gave me by mistake a permission, so because of their mistake I lost all my capital plus the money that I had as loans or mortgage. I could not pay the mortgage and could not use the boarding as before, the price of the real estates also came 50 % down, so I could not sell and pay the bank. The water damaged the building, and insurance co. XXXX XXXX did not pay, the tenants did not pay and also stole my XXXX XXXX. Sheriff did not take it seriously and so I was robbed from many sides. I got also bad credit score and could not work other places. You see I robbed from many side and the system was indifferent, how can I pay, in the time, people did not pay the rent, robbed my fully furnished XXXX XXXX, insurance co,. did not pay the water damage and robbing, bank took the XXXX XXXX and did not cooperate with me. I spent over XXXX dollars for the XXXX XXXX and the bank sold it for XXXX. the people robbed me, it is fine, insurance co. did not pay it is fine, bank took my boarding school and sold cheap, it is fine and I hired attorney for modification, he said, I should give the building back ... I hired attorney to sue the county, she said, she will not do it. So I could not pay the student loan, too. I was persecuted in XXXX, because of XXXX and XXXX religions and here I am totally robbed and nobody help. I hope you can do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I received a call from a restricted number. The caller identified themselves as a representative of XXXX XXXX XXXX. The CSR fabricated statements by indicating that he was calling mde because by most recent payment was short by {$5.00} of the minimum payment due. He'd asked me hope I was going to resolve the matter. I indicated that I had already scheduled a {$75.00} payment on the due date ( XX/XX/XXXX ) and he demanded that I make the payment at that time. Subsequently, (XX/XX/XXXX ) I received a letter in the mail stating that my credit limit was being reduced tl {$1100.00} despite the fact that there is still an available balance, I am unable to use my XXXX XXXX XXXX XXXX credit card. XXXX XXXX XXXX  continues to damage my credit by reducing the credit limit on credit cards that are otherwise in good standings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26 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: TX

Complaint narrative:
I am a victim of the XXXX  data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries 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 2018-08-26 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: TX

Complaint narrative:
I am a victim of the XXXX data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries 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 2018-08-26 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I have a serious problem with anything that has been posted to my credit, pertaining to Newly Opened account from XX/XX/XXXX until XX/XX/XXXX as I was incarcerated in XXXX County Sheriff 's Department. That being said there is more than one company that is showing up for a collection in that time frame. But it is all public record my friend. You can verify for yourself by calling the XXXX County Sheriff Department. And by law if a man/woman is incarcerated then there shall not be a line of credit given.

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 2018-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I had my vehicle stolen in XX/XX/XXXX that was recovered by the XXXX XXXX Police department approximately 10 days later. My vehicle had been towed to the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX. 
When I went to the XXXX XXXX XXXX yard to recover my vehicle I was devastated to see that the tires were missing, the seats were gone, the glove box and interior was stripped and all my personal belongings in the car were gone. I advised the rep working for the tow yard that I had no interest in the vehicle at this point as the accumulated tow fees exceeded the value of the vehicle at this point in time and was releasing myself of any and all liability on the vehicle and that the paperwork on vehicle was in the vehicle which they would not allow me to retrieve. The rep stated that was fine if that's what I decided to do. The only notification I ever received from the XXXX XXXX XXXX company was the notice of auction. A few months later I received a collection notice from IC Systems XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX XXXX dated XX/XX/XXXX indicating that they were attempting to collect a debt for XXXX XXXX XXXX company in the amount of {$2700.00}. I spoke to XXXX employee ID XXXX at IC Systems on XX/XX/XXXX and filed a dispute since I had never received any type of billing notice from XXXX XXXX XXXX. I was advised that a billing statement would be requested and sent out to me which to this date I have never received. I spoke to Mr. XXXX on XX/XX/XXXX and was advised that he would escalate the request to his Manager to have a billing statement sent out to me which I have not received. I spoke to XXXX at XXXX XXXX XXXX on XX/XX/XXXX whom was very rude she indicated that the vehicle sold at auction and I am responsible for the towing and storage fees on this vehicle. I wanted to know why wasn't a bill ever sent out to me and she stated that one was sent but would not verify the address or date it was sent. 

If any additional information is needed please let me know. 

Thank you

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 2018-08-26 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: IL

Complaint narrative:
XX/XX/2017 XX/XX/2017 Unauthorized inquiry two times in the same month. Was done without my consent.

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 2018-08-26 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: CA

Complaint narrative:
I spoked with customer service from Experian about inquires on my credit report witch i have knowledge of i asked them to remove them and they denied helping me and also addresses that ive never lived in aswell as phone numbers

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 2018-08-26 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: IL

Complaint narrative:
XX/XX/2017 XX/XX/2017 Unauthorized inquiry two times in the same month. Was done without my consent.

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 2018-08-26 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: CORELOGIC INC
State: IL

Complaint narrative:
XX/XX/2017 XX/XX/2017 Unauthorized inquiry two times in the same month. Was done without my consent.

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 2018-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a payroll check from XXXX XXXX XXXXXXXX XXXX XXXX, on Friday, XX/XX/2018. Bank of America froze {$430.00} of it. They have put a 14 day hold on these funds, stating they will not be able to be used or withdrawn until XX/XX/2018. I have talked to a branch manager and a customer service representative of the bank. I was told that since the check was from XXXX XXXX, I would have to talk to them about expediting the release of funds. I called XXXX XXXX and was told that they never hold checks for more than 7 days. Bank of America then told me that due to excessive overdrafts, that they would not be releasing my funds any sooner than the 14 days. I have banked with Bank of America for years and have only had two overdraft fees, which they reversed. 14 days is excessive and it is my money. I have to pay bills, buy groceries, gas, etc. Never have I ever experienced such difficulties from them. I need that money. How am I to survive without my payroll? I work hard for that money and CAN NOT wait another pay period to receive my money. I am very unhappy and once this is resolved, I will no longer be banking with them. They have had my business for an excess of 10 years and I have never, ever incountered this problem with them.

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 2018-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I filed a complaint about XXXX XXXX XXXX  before. The complaint number is XXXX. 

After the complaint form was filed, a form was sent to me to complete. The form was completed and the required documents ( Driiver 's License and 2 bills stating that I did not live in the address that was used to obtain XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX could not proof that I signed the contract or signed for the service ; however, they still want me to pay {$180.00} that was charged using my stolen identity, I have been living in XXXX XXXX for over 11 years. It looks like XXXX XXXX XXXX knows that they have a lousy credit approval process for their XXXX cable. 

The letter I just received today stated that I am still responsible to pay {$180.00} that was due to identity theft and their lousy credit approval process. I am definitely NOT paying for something that is NOT mine. If I have to, I would sue XXXX XXXX XXXX in small claims court for {$10000.00}. I have been dealing with this issue for a year and I am so tired of DO NOTHING XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
Advcollbur - Advanced Collection Bureau is reporting a debt owed of {$2400.00} on my XXXX  credit report they are reporting inaccurate hold no validation of proof for this debt being my responsibility information and have yet to remove the inaccurate information as agreed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lincoln Educational Services Corporation
State: FL

Complaint narrative:
Creditor Information : LINCOLN TECHNICAL IN is reporting on my credit profile what the credit has been removed once before the LINCOLN TECHNICAL IN does not own a location in FL and LINCOLN TECHNICAL IN has agreed to permanently removed the inaccurate credit reporting. I have attached the locations of the school locations furthermore proving validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am a current client of Navy Federal Credit whom experienced fraud on my account since April. I filed a debit card dispute, police report and reported whom I believe is the suspect in such case and my claim was denied. There were checks submitted to my account that I did not authorize and filed a secondary claim and that two was denied. Neither cases was I informed of the reason for denial. I have filed a complaint with the Federal Reserve, FDIC, and Federal Trade Commission against Navy Federal Credit Union in regards to such because as a victim of identify theft, my account has not been protected according to the FDIC regulations. 

I followed all protocol and the issue has yet to be rectified and my account is threatening to be charged off. This is unfair to consumers of such actions done unbeknownst to them and without authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I have called on behalf of my husband, The California Business Bureau ( Debt Collection Agency ) on XXXX-2018 after I got their number from XXXX  XXXX and I was told to call them in order to get a new XXXX XXXX. The Representative that answered my call was very aggressive and abusive and told me that my husband owes {$15000.00}, which is false. We got into an argument since she didn't let me speak and was aggressive and disrespectful. I hung up the phone. The day after, I got an alert from XXXX that this collection agency had put a hard inquiry on my credit, not my husband 's. I don't know how a collection agency can place and check my credit whenever they want when it's not even my debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX Acct XXXX ( XXXX, Equifax, XXXX ), XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( Equifax ), XXXX Acct XXXX ( XXXX , Equifax , XXXX  ), XXXX XXXX Acct XXXX ( XXXX  , Equifax , XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX , Equifax ), XXXX XXXX Acct XXXX ( XXXX , Equifax ), XXXX XXXX Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX , Equifax , XXXX  ), XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ),  XXXX XXXX XXXX Acct XXXX ( Equifax , XXXX ), XXXX Acct XXXX ( XXXX , Equifax , XXXX ), XXXX, XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ), XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26 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: UPGRADE, INC.
State: TX

Complaint narrative:
I unfortunately was a victim of identity theft. On XX/XX/XXXX a total of 6 unauthorized requests for credit was made in my name to a number of different online lenders. Gladly no fraudulent accounts were ultimately opened from this attempt. I have successfully removed all credit inquiries from my credit report except for the 2 companies outlined below. Both companies will not respond when contacting their fraud group and requesting status of the inquiry removal. I have supplied all the information they indicated as required to resolve this issue. I originally reported these concerns to the companies below in XXXX of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX XXXX XXXX  Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX , XXXX  , Transunion ), XXXX XXXX  Acct XXXX ( XXXX , XXXX  , Transunion ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX ), XXXX XXXX Acct XXXX ( XXXX , XXXX  ), XXXX XXXX Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX  , XXXX , Transunion ), XXXX XXXX Acct XXXX ( XXXX , XXXX  , Transunion ),  XXXX XXXX XXXX Acct XXXX ( XXXX , Transunion ), XXXX Acct XXXX ( XXXX  , XXXX , Transunion ), XXXX, XXXX Acct XXXX ( XXXX  ), XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX   , Transunion ), XXXX XXXX Acct XXXX ( XXXX , XXXX  , Transunion ).

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 2018-08-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX Acct XXXX ( Experian, XXXX, XXXX ), XXXX Acct XXXX ( Experian, XXXX  ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX  ), XXXX Acct XXXX XXXX Experian , XXXX  , XXXX ), XXXX XXXX Acct XXXX ( Experian , XXXX , XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( Experian , XXXX ),  XXXX XXXX Acct XXXX ( Experian , XXXX  ), XXXX XXXX Acct XXXX ( Experian ), XXXX Acct XXXX ( Experian , XXXX , XXXX  ),  XXXX XXXX Acct XXXX ( Experian , XXXX  , XXXX  ), XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX ), XXXX Acct XXXX ( Experian , XXXX  , XXXX ), XXXX, XXXX Acct XXXX ( Experian ), XXXX XXXX XXXX Acct XXXX ( Experian , XXXX , XXXX ), XXXX XXXX Acct XXXX ( Experian , 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