vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-15 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: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
I 'm a victim of identity theft and you all keep giving someone premission to use my chexsystem info to open and inquiry about new accounts. I need to dispute everything on my chexsystem report because I have n't open or tried to open any accounts. I have a lot of inquires that I did n't authorize.

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 2017-06-15 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: FL

Complaint narrative:
{$5000.00} approximately to cover a certificate graduation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Thank you for reviewing my complaint.     Today, I attempted to make a {$40.00} purchase with m y Citi Simplicity c redit card. Before doing so, I checked my account onlin e. Citi 's  website advised me I had {$180.00} of available funds, as shown in one of the attached screenshots  ( " Citibank Available Credit Display '' ).   <P/> Citi 's website also presented a screen informing me that my account payment was past due ( see the screenshot "  Citibank  Account  Past Due Display '' ). Citi re quested a {$40.00} payment. ( It is coincidence that both my intended purchase and Citi 's requested payment were {$40.00}. ) Strangely, though, the website advised me that the payment would be due   XXXX   XXXX   -- nearly a month from today.  <P/> Critically, neither the past-due page nor the account information page made any indication that I would need to pay the past-due amount in order to access my {$180.00} of available credit. However, when I attempted to make my {$40.00} purchase, my card was declined. I called Citi. A representative explained that, because my account was past-due, I would need to make a payment before accessing my available credit. The representative said that my past-due amount was, in fact, {$20.00}, with the additional {$20.00} due   XXXX   XXXX    <P/> I have two specific complaints : First, and more importantly, if Citi reports to a client that he or she has a certain amount of credit available, the bank should not simultaneously block the client from accessing that credit. To report a certain amount of available credit but block access for reasons other than suspected fraud is misleading and could leave clients without access to funds they reasonably expected they could use. At the very least,  Citi  should make abundantly clear, up front, that it will deny access to available credit until a required payment has been received.  <P/> Second, Citibank should make clear exactly how much payment is required to satisfy a past-due balance. A reasonable reading of my account information page suggests I owe {$40.00} on   XXXX   XXXX  , with no indication of how much, if any, is actually past due. This engenders confusion : I might either conclude no amount was actually due already, given the listed   XXXX   XXXX   due date, or I might mistakenly believe I am {$40.00} past due ( in fact, my overdue payment was {$20.00} ) and thus pay more than necessary. Were the listed due payment much greater, I might needlessly put myself in financial hardship to pay what wrongly appears to be a past-due amount.  <P/> Thank you again for reviewing this complaint. I appreciate your consideration.

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 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This leasing company returned my security deposit after i completed my lease and moved out. Then over 2 years later this debt appeared on my credit report. They did not send me anything to give me a chance to dispute before placing on my credit report. I have contacted company several times and asked them to send me validation of debt and was told they did n't have to validate anything to me and just to pay them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
I recently checked my credit report and saw a line posted b y Stella Recovery , Inc.,  saying I owed them a debt of {$56.00} and the Original Lender is  XXXX . I talked to  XXXX  and confirmed that not only I do not owe  XXXX  any money, but I also never had an account with  XXXX . I called  Stella Recovery and the person told me that the debt was from an address that I never lived before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: IL

Complaint narrative:
Notified via credit monitoring of a credit inquiry  XXXX . Immediately reported to credit bureaus that I did not authorize the inquiry or request for credit. I was told nothing can be done call the company. I called  XXXX  and was told to call the bank. I called the bank they said someone ordered something to my address and I informed them I did not place an order to cancel and close. Bank said they would close the account. I asked them to remove the inquiry as well. Few days later a credit card and statement came in the mail. I called  XXXX  back again to explain. I was told to return the item that came with return authorization which they emailed me. I was told to call the bank. I called again and explained. I followed up with the credit bureau today because this unauthorized inquiry and transaction continues to appear on  XXXX  of the  XXXX  credit reports. Credit bureau keeps telling me there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One said they have closed all accounts due to a business decision. However, if this the case how was the investment account not closed? I had to go through several means to get the investment account closed. Capital One explained why they could not send a postal confirmation. Just wanted clarification in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: IL

Complaint narrative:
Notified via credit monitoring of a credit inquiry  XXXX . Immediately reported to credit bureaus that I did not authorize the inquiry or request for credit. I was told nothing can be done call the company. I called  XXXX  and was told to call the bank. I called the bank they said someone ordered something to my address and I informed them I did not place an order to cancel and close. Bank said they would close the account. I asked them to remove the inquiry as well. Few days later a credit card and statement came in the mail. I called  XXXX  back again to explain. I was told to return the item that came with return authorization which they emailed me. I was told to call the bank. I called again and explained. I followed up with the credit bureau today because this unauthorized inquiry and transaction continues to appear on  XXXX  of the  XXXX  credit reports. Credit bureau keeps telling me there is nothing they can do.

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 2017-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear Investigator, I made a payment to pay-off the full amount due on my account for over {$10000.00} in  XXXX   2017 . It was indeed deducted from my checking account and it seems the account was closed by the credit card company without notifying me the card holder. This is a poin t I ( Dispute ) ho w the unprofessional behavior of this credit card firm is causing me serious concerns. It seems they claim it has not been paid up to date. I wrote them a official letter requesting a full detailed summary of their actions. Never have gotten a response to the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
A collection agency had reported I owe a debt I wasnt notified I found it on my credit report then them about it and told them it 's not mine and they wo n't remove it I have a right yon dispute before they ruin my credit they never gave me notice to dispute this collection just marked as a collection on my credit report shame! Also they wo n't remove it do n't they need proof or have to prove 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 2017-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I was on payment plan with  XXXX  for overpayment of benefits that i was paying $   XXXX   month for  $ 700+  overpayment. I received a credit alert th at Harvard Collection ag ency was reporting this debt as collection item in  XXXX .  XXXX  has con tinue to accept payments under the agreement we had. I do n't have a debt with Harvard Collection and they have caused my credit to suffer significantly by reporting this derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: CA

Complaint narrative:
The account listed is for  XXXX   XXXX , my name ie  XXXX   XXXX   XXXX . My social security number was used and I have never received service from this provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Received letter from XXXX XXXX XXXX dated X/XX/17 that they had to close my account due to it being overdrawn leaving a balance of {$110.00}. I call immediately to pay the balance over the phone but was told I needed to come in person to settle the account. I explained the financial situation that had occurred to the representative and assured her I would be in within the next day to pay the balance. She informed me that as soon as i brought the account current I could re-establish the account and nothing would be reported to credit bureaus if i acted fast. I visited the local branch in XXXX where i setup the account on X/XX/17. Stood in a long line sick with XXXX to get resolution. I had my checkbook and debit card from another institution and was told they only took cash for closeout. The teller was able to let me do a debit transaction since I stood in line so long and the bank was about close ( see screen shot of transaction on my account ). I paid the transaction. Signed receipt and was told that I would get something i the mail. Never did. A week later I get an alert that negative information was added to my credit report. The bank listed the item on my credit report as a collection item AFTER i was told by the representative that nothing would be reported negatively. I called the bank several times within the past couple of days. Today XX/XX/XXXX was the final attempt to get resolution before filing a complaint. Today I had my notebook hand to jot down names and times. I spoke with XXXX at Consumer this morning around XXXX. She verified my account with various questions and proceeded to ask me how she can help. I explained the story about the closing of my account due financial challenges and my visit on the XX/XX/XXXX to pay the account in full. I informed her that nothing was supposed to be report. I did n't remember the previous representative i spoke to on my initial call. XXXX informed me she was " unable to verify my account '' and I needed to visit a local branch. I informed her I ca n't due to my work hours and that consumer just called me last week to offer me a pre-approved refi on my mortgage -- how can you not verify my account. I asked for a supervisor and was told they were all busy. I got the names of the supervisors XXXX or XXXX who were going to return my call. I called back around XXXX because i was on break and had not heard back. I was told they were still busy. After getting home from work I checked VM and XXXX from XXXX called at XXXX. i had no energy to call him back or re-explain the issue at this point.

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 2017-06-15 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: IL

Complaint narrative:
Received letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX that they had to close my account due to it being overdrawn leaving a balance of {$110.00}. I call immediately to pay the balance over the phone but was told I needed to come in person to settle the account. I explained the financial situation that had occurred to the representative and assured her I would be in within the next day to pay the balance. She informed me that as soon as i brought the account current I could re-establish the account and nothing would be reported to credit bureaus if i acted fast. I visited the local branch in XXXX where i setup the account on XXXX/XXXX/XXXX. Stood in a long line sick with XXXX to get resolution. I had my checkbook and debit card from another institution and was told they only took cash for closeout. The teller was able to let me do a debit transaction since I stood in line so long and the bank was about close ( see screen shot of transaction on my account ). I paid the transaction. Signed receipt and was told that I would get something i the mail. Never did. A week later I get an alert that negative information was added to my credit report. The bank listed the item on my credit report as a collection item AFTER i was told by the representative that nothing would be reported negatively. I called the bank several times within the past couple of days. Today XXXX was the final attempt to get resolution before filing a complaint. Today I had my notebook hand to jot down names and times. I spoke with XXXX at XXXX  this morning around XXXX. She verified my account with various questions and proceeded to ask me how she can help. I explained the story about the closing of my account due financial challenges and my visit on the XXXX to pay the account in full. I informed her that nothing was supposed to be report. I did n't remember the previous representative i spoke to on my initial call. XXXX informed me she was " unable to verify my account '' and I needed to visit a local branch. I informed her I ca n't due to my work hours and that XXXX  just called me last week to offer me a pre-approved refi on my mortgage -- how can you not verify my account. I asked for a supervisor and was told they were all busy. I got the names of the supervisors XXXX or XXXX who were going to return my call. I called back around XXXX because i was on break and had not heard back. I was told they were still busy. After getting home from work I checked VM and XXXX from XXXX called at XXXX. i had no energy to call him back or re-explain the issue at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: IL

Complaint narrative:
Requested validation of XXXX XXXX debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a negative on my credit profile. 1st request sent certified mail XXXX/XXXX/17 ; response was " verified '' 2nd request sent certified mail XXXX/XXXX/17 ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile : * These items remain on my credit report in violation of Federal Law. * Under the FCRA the credit bureau should provide me a copy of the original creditors documentation to verify if this information is mine and is correct. * These negative records are also listed on my report as duplicate records ( 2-4 times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.

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 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The  XXXX   XXXX  failed to pay bills as required and or help get this off my credit report and denied a loan request based in part for the denial, until they did n't pay the bills from bill pay did the problems I had these accounts when I joined the credit union and the approved  XXXX  loans and at that time they was none issue. As of todays date they still not paying bills on time as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-15 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: TX

Complaint narrative:
Experian refuses to comply with the  XXXX  ruling and block the  XXXX   XXXX  accounts that are fraud and I 've produced and given them all the information and reports required under the FACTA amendments of the fcra.

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 2017-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I tried on numerous occasions to try  to set up a forbearance account with Fay Servicing and I even tried to do a loan modification with Fay Servicing, but  I was consistently given the round around. Even on  XXXX   XXXX ,  XXXX , I submitted my application to them and I was consistently given the round around by the accou nt manager. Time after time, I emailed the account manager giving them the required documents e ven though I did that in my first application with them, but they wanted more and more documents that were even the required documents. They were delaying time because even time I sent them more and more information they said it took time to process. I had to constantly send in documents and I was on the phone many times and still did n't receive a positive outcome. I did n't even receive an outcome of whether I was going to receive a loan modification or a forbearance. I was hung out in limbo. I did n't even know that the account was switched to them because I had another loan servicing company by  XXXX   XXXX   XXXX  that I was working with from  XXXX   XXXX  to  XXXX   XXXX , but even with them there was no result. No w Fay Servicing  has me dealing with the Foreclosure program in  XXXX , NJ due to them not working with me. I have a feeling that the intention o f Fay Servicing was for them to not work with me and make an attempt for me to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: IL

Complaint narrative:
Requested validation of  XXXX   XXXX  debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a negative on my credit profile.      1st  request sent certified mail  XXXX / XXXX /   17  ; response was " ve rified '' 2nd req uest sent certified mail  XXXX / XXXX / 17  ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile :  XXXX  These items remain on my credit report in violation   of Federal Law.
* Under the FCRA the credit bureau should provide me a copy of the original credito  rs documentation to verify if this information is mine and is correct.   * These negative records are also listed on my report as duplicate record s (   XXXX  times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.

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