vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.

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 2018-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX via the credit unions website I applied and received and acknowledgment as to receipt of my application for checking & savings account. a few minutes later I received a notification that my account services had been opened. I would receive my welcome package in 7-10 days. I was also told that my debit visa card was unable to be processed for the initial deposit. I reached out to my other bank and there was sufficient funds and not issue with the card itself. I called navy f.c.u. to have the card processed again to be told that my account was now under review without any further explanation. On XX/XX/XXXX I called to follow up regarding the status of my account and after 20-30 minutes of being told let me check the status of your application, to let me speak to the review department, to let me speak with the back office, team membership specialist : XXXX XXXX I was now being told that I had to submit via fax a copy of my government issued identification along with a current bill showing the mailing address. A financial institution that isn't honest a forthcoming with the truth as to why they are selectively discriminating against the opening of my account. What algorithm of database are they using which probably contains false, erroneous information to justify discriminating against individuals. I asked the customer service rep. I spoke to that I wanted there request be sent to me in writing and they said they would not do that which makes me SUSPICIOUS of the tactics of NAVY FEDERAL CREDIT UNION!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2017 I went into Best Buy just to inquiry about a price of a XXXX laptop at the moment I did not have the full cash to buy the laptop as yet. During the conversation with a Best Buy sales representative he told me that I could get the laptop on finance without having to pay full price for the laptop he told me I could get the laptop if I apply for the best buy finance card and pay it of over time. 

The option that the sales person gave to me sounded interested at the time. I ask the sales associate if the application would be a hard inquiry on my credit report and to his responds he said no that the application would be a soft inquiry and that if I was accepted it would be instant. I ask the representive if he was sure and he said I didn't really wanted to do it at the time because I know my credit was just being built and told him that I would be deny to his response he said that it would not affect my credit if I was denied and that he has seen people that has just start building their credit who got approved for the card. 

At that time the sales rep convinced me and I entrusted him with the information he provided to me the it would not be a hard inquiry on my credit report. A couple months later to my surprised I am seeing the hard inquiry on my credit report from Best Buy and I felt like I was tricked with the old sales tact of bait and switched. 

I have reached out to Best Buy to see what they could do to get my report off and they gave me the run around. The information that came up on my credit report is CBNA/BBY with the contact information XXXX XXXX  XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX and I have seen the hard inquiry on my XXXX credit report I am not sure if it is on the other two 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 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXX. Box XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXXXXXX, XXXX XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XX/XX/XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXXXXXX XXXX XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXXXXXX, XXXX  XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XX/XX/XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.

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 2018-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo 's opening an account without my authorization

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 2018-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
Inam making payments for 3years but rhey keeping on adding fradulent articles and even sheriff dept was reported and they told me that its okay and we got it but never stolped or investigated the matter. its a serious issue and i was told to consult your agency. I have good faith in you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
Dynamic Recovery Solutions , LLC, the company says that i own XXXX dollar when in reality, i paid all my bills and have a good credit scored, they keep sending threatened letter about money that they want from me.The company is a scam, the name is Dynamic Recovery Solutions , LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I XXXX XXXX satisfied an account in full of TD Bank through a third party known as XXXX XXXX XXXX in XXXX of 2018. However, TD Bank still maintains a full balance that needs to be updated to a zero balance immediately on all my credit bureaus. I paid this account by bank wire for the agreed amount of {$2000.00} to XXXX XXXX XXXX. This account needs to be updated to zero balance immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I requested to close this credit card with a XXXX dollar balance. On XX/XX/XXXX I received an email confirming my account was closed. Additionally the account showed as closed in my online account on their website. In XX/XX/XXXX I received a letter in the mail stating they have closed my account due to a past due balance and that past due balance was an annual fee charged on XX/XX/XXXX. 

I contacted Barclay to resolve this but nothing was done and nothing was answered. This is an error by the bank to charge me an annual fee after I closed the credit card and now they have reported me to the credit agencies to destroy 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
Consumer complaint received 2018-03-25 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: AZ

Complaint narrative:
CHASE and XXXX is fraudulent please have these hard inquires taken off I don't know why or how this was done but it is not me and it is not right. I don't even know what XXXX is i have called those numbers and they refuse to help and chase is totally incompetent in rectifying this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CT

Complaint narrative:
I XXXX XXXX have requested and so has my wife for the removal of Discover Card from my personal credit profiles, as I am not a responsible party to the account. My wife is currently in negotiations to settle the Discover Card, and at this time am offer has been made and is being countered. However, I am not a responsible party and any reference to me personally should be removed from all credit bureaus immediately. I have attached faxed correspondences to Discover Bank and no action has been taken. Therefore, I request the Consumer Financial Protection Bureau to help me with this error on behalf of a national bank FDIC insured, and to follow legal protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: AZ

Complaint narrative:
XXXX and XXXX is fraudulent please have these hard inquires taken off I don't know why or how this was done but it is not me and it is not right. I don't even know what XXXX is i have called those numbers and they refuse to help and chase is totally incompetent in rectifying this situation

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 2018-03-25 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
CBNA did hard inquires on my credit report which I did not make must be fraudulent will not do anything about it

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 2018-03-25 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: AZ

Complaint narrative:
XXXX did hard inquires on my credit report which I did not make must be fraudulent will not do anything about it

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 2018-03-25 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I have been Paying on a car loan for the last year that XXXX XXXX XXXX has not right to collect on the dealer were a bought the car has not profected the lien in the car I also do not have tag or registration for tha car in addition the dealer had over advanced the loan to get me to buy they car buy cutting me a check back out of the loan proceeds with out Nissan knowing about it there is also Incorrect info on my credit app.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have made four attempts with Transunion mailing certified letters in which they have received to dispute inaccurate information regarding Dept of EdXXXX school loans + comments of late payments. First letter was delivered on XX/XX/XXXX, 2nd letter delivered on XX/XX/XXXX, XXXX letter mailed out on XX/XX/XXXX and last letter delivered on XX/XX/XXXX. Each letter states I have legal rights to receive proper evidence in whom was spoken too, names of each representatives, my legal signature, etc to prove these claims are valid. I have only received automatic responses with no changes in removing these late payments off my credit report. My credit reports state I have 100 % on time payments but with SIX derogatory remarks in which late payment were made. I am fighting to remove these accounts/statements off my report due to not receiving any legal evidence on these claims. I delivered the same letters to XXXX with complete resolution. XXXX  did delete the six accounts due to not providing any evidence. Transunion has been uncompliant.

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 2018-03-25 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: GA

Complaint narrative:
XX/XX/2017 I called the trans union. To let them know that there was a mistake on. MY credit file there was of ton of inquiries that I did not authorize I spoke with a woman at trans union here name was XXXX she would not give me a last name you Id number but refuses to help me with my issue

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 2018-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
When I was first supposed to start paying my student loans in XX/XX/XXXX I was able to push back my payments because I wasn't able to pay yet. I was concerned by how much I was supposed to be paying monthly. I contacted Naviant in XXXX of XXXX to ask about income based payments and I wasn't given any options, I was just told I would not qualify due to my yearly income being higher than my debt. However, when I started paying my student loans in XXXX of XXXX I found that I was struggling to make payments but was told I made too much money even though my gross income was significantly lower than my loans on my XXXX w2. I still struggle with my monthly payments but anytime I've attempted to fix this I was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a Walmart Credit card in my name in the mail. I called the fraud dept and was told that since I was added as an authorized user to an account, my ex husband added me without my permission, I would be responsible for any unpaid balance and it would be reported on my credit. I was also told that I could not remove myself from the account even though I didn't sign up as an authorized user. He was my ex fiance and knows all that information so how can I be held responsible because he added me as an authorized user and doesn't want to pay his bill? 
The Fraud department states the all you need to add someone as an authorized user is their SS number.

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 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a XXXX Credit card in my name in the mail. I called the fraud dept and was told that since I was added as an authorized user to an account, my ex husband added me without my permission, I would be responsible for any unpaid balance and it would be reported on my credit. I was also told that I could not remove myself from the account even though I didn't sign up as an authorized user. He was my ex fiance and knows all that information so how can I be held responsible because he added me as an authorized user and doesn't want to pay his bill?

The Fraud department states the all you need to add someone as an authorized user is their SS number.

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 2018-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is not license to collect in the state I live.

Company response to consumer: Closed with explanation