vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 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:
Credit report shows that I have a XXXX  XXXX XXXX Credit Card # XXXX was opened XX/XX/XXXX. This is incorrect because I was not born until XX/XX/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 explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Mortgage payment was reported incorrect. Have always been on time and have the paperwork to show the mortgage company was in error

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
This account was closed and sent to a collection agency. Since then I have settled the account with XXXX XXXX XXXX and the original creditor is still showing up on my credit report with negative information. I've tried to reach out to the company to have this item removed and they said once they sold the debt to another lender that there is no way to access my account to delete the negative information. But whenever I dispute the information with the credit bureau 's the say the information is accurate and its not. I just want this account removed from my credit report for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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:
Credit report shows that I have a XXXX  XXXX XXXX Credit Card # XXXX was opened XX/XX/XXXX. This is incorrect because I was not born until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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:
Credit report shows that I have a XXXX  XXXX XXXX Credit Card # XXXX was opened XX/XX/XXXX. This is incorrect because I was not born until XX/XX/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 explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I notified the credit card company on XX/XX/18 that I did not initiate the following charges on my card : XX/XX/18 XXXX XXXX XXXX CA {$570.00}, XX/XX/18 XXXX XXXX XXXX CO XXXX, XX/XX/18 XXXX XXXX XXXX/XXXX # CA XXXX, XX/XX/18 XXXX XXXX XXXX FL XXXX.

First of all, I have never used XXXX  for any purchases I have made. And secondly, I am XXXX years old and do not use XXXX.

They are saying they researched these purchases and I did make the XXXX purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I keep getting inquiries from Chase Bank about a credit card application. The dates are, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. I called Chase in XX/XX/XXXX, after receiving the second notice that I had been denied credit that I had not applied for. They told me that I would have to wait 60 days to have this inquiry removed my credit report and that would notate a potential fraud alert in the future. When I called them a second time, someone from their fraud division spoke with me and said he would submit the information to the credit bureau again. The third time I called them, I was told that Chase could not control or stop the application inquiry because they had no way of identifying me when an application is submitted. It seems obvious to me that these applications are being done online through XXXX, which is the type of Visa card someone is trying to obtain. I am exasperated and don't know what else I can do to stop this. My credit was already below standard and I am trying to build my credit score up and these inquiries are bringing it down even more than it was before. The credit bureau has done nothing either ; after I called them and told them the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 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: MS

Complaint narrative:
I had deferred my loans for a little while. When Obama got into Office and started the payment plan that goes by your annual income. I started paying back my loan. I was told that I had to pay for 10 years. As of today, they told me I only paid in for two years. That is not true. I was with salie mae then with navient. Please help me. If you have any more question. email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: CO

Complaint narrative:
FIRST - CFPB is the best and an excellent agency and now I understand why needed. 

I filed a complaint with CFPB previously - XXXX about EXPERIAN. As a result they sent me a paper credit report via US Mail services. I received on XX/XX/18. Report # XXXX. I reviewed just now on XX/XX/18. At first I thought there was fraudulent information on the report I received and called 2 of the companies shown on the report that I had never heard of : 1. XXXX XXXX XXXX and 2. XXXX XXXX XXXX XXXX - as the report showed me as joint responsibility with a XXXX XXXX XXXX and another with an XXXX XXXX. I have never heard of either. And both companies had no record of me when I called them. They advised that EXPERIAN had the wrong information for me. 
One of the accounts on the report I received had XXXX XXXX as my wife. Which is impossible as I am XXXX and have been with my man/husband since college. 
I realized going line by line on the report EXPERIAN sent me - none of the accounts were mine. I do have a XXXX 's credit card but not the account they state and mine is open. Not closed. But again - none of the accounts are mine. NOTE : XXXX and XXXX both have my correct and current information. 
HOW COULD EXPERIAN SEND ME THE WRONG REPORT? This scares me. I have been unable to get a report ever from EXPERIAN via PHONE or ONLINE. They always say I have to submit via mail. Which I won't send my personal information through mail as if lost, I am totally open to fraud. 
Unlike XXXX AND XXXX - EXPERIAN does NOT have a number to call to speak to a human. Why is that? 
I am going through CFPB first to obtain my real credit report and to make sure it matches XXXX  and XXXX. 
I will go to my attorney [ and press ] if EXPERIAN has opened me up to fraud. Now I know why I haven't been ever able to get a free credit report each year via the phone or online - they have my file totally screwed up. 
I want my correct credit report with my accounts on it and I want a security freeze placed on my account right away. And I want an EXPERIAN representative to call me and tell me they are straightening this mess out. This is unbelievable in this day and age. And I want to be able to go online every year to obtain my free credit report just like I get every year from Experian and XXXX. 
CFPB - please help me. Thank you once again. 
ps. I did not attach the report received as I was not sure that was the correct thing to do but I can if needed. None of it is my information.

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 2018-10-26 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have 6 unknown inquiries that are appearing on my credit report that I didn't authorize. I'm a victim of identity theft. I did not know of any of these inquiries. I've included my identity theft affidavit. I've also sent a copy to my police department. I've listed them below. 
XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 amex  XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: MS

Complaint narrative:
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX and Equifax Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact XXXX XXXX and Equifax Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Big Picture Loans, LLC
State: DC

Complaint narrative:
I wanted to change the auto payment amount but the company told me that I could not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I went to XXXX XXXX XXXX in XXXX NV, and they promised to be able to have a job for me by when I graduated. It's now been over 10 years and XXXX XXXX XXXX is now closed. I have been there multiple times even after graduation up to 2 months before the school closing down. I still work as a security guard and navient is threatening myself and my mother to pay a ridiculously amount of money. My mother is on social security and I make very little money to support my family. I explained to them all my bills also letting them know I have child support being taken out of my check, and naviant stated to me, " that is not my problem, you should not have gone to school if you can't afford it. They should stop having poor people go to school ''. and they continue to threaten with ridiculous amount of money and saying if I don't pay they will ruin my life/credit and my mother 's. I am afraid to answer my phone Everytime it rings. My wife and I are talking about divorce due to not being able to repay this. I do not know what I can do and I feel I was defrauded by not only XXXX XXXX XXXX but also by naviant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Someone tried opening a Kohl 's card that was not me. I was send an application form that was never submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: NC

Complaint narrative:
I have called this company numerous times. They tell me they will confirm with XXXX XXXX that the bill does not belong to me. I have given them my birth date and mailing address that does not match the person they are trying to collect from. I finally called XXXX XXXX and was told this particular collection agency like others will send these letters to anyone with the same name hoping someone will pay it. XXXX assured me they would have my name and address taken off as my birth date and other information it was not even close to the person they are trying to collect from. 

XXXX XXXX- XXXX the Debt does not belong to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NC XXXX. Please stop sending me letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
I applied for the Illinois Hardest Hit Fund program and my file was sent to my mortgage lender, MB FINANCIAL on XX/XX/2018. 

My Hardest Hit Fund application will not be reviewed until they receive a response from MB FINANCIAL. The Hardest Hit Fund program has informed me they have repeatedly sent requests to MB FINANCIAL and they are failing to respond to their request, which thus makes me unable to go further in the process.

It will be 3 MONTHS now without a response from MB FINANCIAL. This is unacceptable and I want them to reply so I can receive assistance from the Illinois Hardest Hit FUnd.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
After taking out an installment loan through Tower Loan company I started a new job and have been struggling with payments waiting on my first paycheck. The creditor has began harassing myself as well as family members. The creditor has also discussed personal account information with references on the loan without my permission.

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 2018-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
on XX/XX/XXXX I looked on my XXXX report and saw a collection for midwest recovery system llc so I called them to find out what this auto loan was about they told me it was a dept they are trying to collect for XXXX XXXX XXXX  I never signed a deal nor a contract with midwest recovery system llc so they should not be contacting me or going after my credit in no way cause I have no legal binding nor obligation to this company in written or verbal agreement form

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX rep called me to set up payment for debt that was already paid in FULL, as such they were not authorized to act on the note. I made 3 payments before realizing it was already paid in full. Currently trying to get my money back and it has not been easy. These are professional scam artists!

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 2018-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a transaction for a World Series ticket on Friday XX/XX/XXXX at about XXXX using XXXX which is a checking account to checking account money payment/ transfer. The amount was {$450.00}. I got scammed and never received the ticket. I contacted my bank and XXXX and told them this. They both stated it was a service meant to use between friends and family. Essentially telling me I am XXXX out of the money. I had never used XXXX but felt safe as it was on Bank of Americas mobile application. The fact it was on Bank of Americas site makes one feel safe. My complaint is against Bank of America. Reading numerous complaints and people feeling safe because it is on Bank of Americas site. They have no business having this service on their website. It is without a doubt misleading a person to believe it is safe.I did report this within 15 min of transfer. I expressed to them it is very wrong for them to mislead people. Again, numerous people felt secure because it was on Bank of Americas app. They got burned like I did. I ask for a refund or demand Bank of America to remove XXXX from their mobile app. Thank you for looking into this Sincerely, 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 explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX, I opened a new savings account with Citizen 's Bank. I requested that XXXX be transferred to this account from another account I have at XXXXXXXX XXXX. Citizen 's Bank ran this transfer through twice, causing {$24000.00} to be transferred out of my XXXX account. I did not have the funds in the XXXX account to cover this, and was charged a {$100.00} overdraft fee as a result. Citizen 's has acknowledged that the double transfer was their mistake, but refuses to reimburse me for the overdraft fee caused by their mistake. XXXX will not refund the fee either, though I do not believe it is their responsibility to do so since Citizen 's caused the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank should be put out of business. I was with XXXX  XXXX XXXX x15 years and NEVER had an issue with them. Moved to Wells Fargo because they had a promotion going which would give me {$200.00}. Bad move on my part. To begin with, WF gave me an account, without even asking me, whereas I couldn't spend but {$500.00} of MY money a day, which meant I couldn't pay rent, my car note, nothing. I called and called and even got up to WF corporate where NO ONE would help me. So I gave me. When I went into the bank this past week to get the promised {$200.00}, they LIED and said I was told ( which I wasn't ) that I needed to supply a coupon code. What?!?!?!! Nothing was mentioned to me about a coupon code when I opened the account. 

WF has caused me to lose over {$800.00} in late fees, gift cards fees ( to pay my rent ) and other fees. 

I work for the State. They literally tried to hold my Comptroller issued check x10 days. Only when I told them to call and check, did they do the right thing and release my funds. I've gone through XXXX with WF and just closed my account. They need to be dealth with. Firmly!

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 2018-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Go Capital Holdings, LLC
State: GA

Complaint narrative:
on XX/XX/XXXX I looked on my XXXX report and saw a collection for XXXX XXXX XXXX XXXX so I called them to find out what this auto loan was about they told me it was a dept they are trying to collect for XXXX XXXX XXXX I never signed a deal nor a contract with XXXX XXXX XXXX XXXX so they should not be contacting me or going after my credit in no way cause I have no legal binding nor obligation to this company in written or verbal agreement form

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
AFTER REINVESTIGATION, 14 accounts are still being reported by EXPERIAN with an UNKNOWN STATUS. The account names are Department of Education/XXXX XXXX -- there are 14 of them with the same account numbers, i.e., XXXX -- may even be duplicates. 

The other one is XXXX, Account # XXXX with an Status Unknown. 

The continued reporting of " DISPUTED UNVERIFIABLE INFORMATION '' after SEVERAL reinvestigations WITH AN " UNKNOWN '' STATUS, violates the FCRA and [ 15 U.S.C. 1681 ] as it states : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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