vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently opened a credit card account. I supplied my P O Box address as my mailing address. Afterwards the two credit reporting agencies made three changes on my credit report. They added the credit card information, removed an address that I had not lived at in almost twenty years. They changed my address to the P O Box. I did not request an address change. This dropped my credi score by over 100 points dropping the status to a poor credit rating. As you are aware creditors can not serve consumers at P O Box addresses for defaulting on credit commitments thus this affects my getting credit, housing, and future employment. Why are the agencies allowed to change an address to a P O Box without the consumers request?

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 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
On XXXX XXXX, I placed a payment of {$100.00} on my account with XXXX, which was over the minimum amount due on an account with the balance of {$3200.00}. On XXXX XXXX, I posted a second payment for the rest of the balance due of {$3100.00} that was the balance on the account on that date. On XXXX XXXX, after there was {$0.00} balance on my account, I was charged interest in the amount of {$44.00}, with that amount due during my next billing cycle. This was also after I had ONE late payment ( the only one in my credit history ) with XXXX, and they instituted a penalty rate on my card AND decreased my credit limit to make it appear that my card was maxed out, without notifying me, several months after the late payment occurred. This ended up hurting my credit score, when I otherwise had excellent credit and payment history.

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After I called, everyday its a new inquiry on my account.

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 2017-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX share branch which is XXXX XXXX on XXXX XXXX XXXX. in XXXX XXXX, XXXX and made my loan pymt. The amount I paid was {$350.00} I forgot to add the {$.00} to my check. On XXXX XXXX, XXXX I received an email stating I was 30 day 's past due for {$.00}. XXXX  XXXX called me for 5 day 's about {$.00}.

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 2017-11-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX share branch which is XXXX XXXX on XXXX XXXX XXXX. in XXXX XXXX, XXXX and made my loan pymt. The amount I paid was {$350.00} I forgot to add the {$.00} to my check. On XXXX XXXX, XXXX I received an email stating I was 30 day 's past due for {$.00}. XXXX  XXXX called me for 5 day 's about {$.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently opened a credit card account. I supplied my P O Box address as my mailing address. Afterwards the two credit reporting agencies made three changes on my credit report. They added the credit card information, removed an address that I had not lived at in almost twenty years. They changed my address to the P O Box. I did not request an address change. This dropped my credi score by over 100 points dropping the status to a poor credit rating. As you are aware creditors can not serve consumers at P O Box addresses for defaulting on credit commitments thus this affects my getting credit, housing, and future employment. Why are the agencies allowed to change an address to a P O Box without the consumers request?

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 2017-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Jim Bottin Enterprises, Inc
State: CT

Complaint narrative:
In XXXX my wife and I joined the new XXXX XXXX gym at XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX ), paying for a full year upfront which gave us one month free ( see PDF of contract in attachment ). Early in XXXX my wife broke her foot and we stopped using the gym. We thought we were done when our 13 month paid membership expired. We discovered in XXXX, XXXX that XXXX XXXX XXXX, the billing agent for Anytime, had been taking {$74.00} from my wifes XXXX XXXX XXXX XXXX account for 73 months ( from XXXX of XXXX through XXXX of XXXX ) for a total of {$5400.00}. We only discovered this after XXXX left her nearly 30 years of employment at XXXX XXXX XXXX and closed her Credit Union account. XXXX came looking for a new account to charge XXXX see attached bellow of ABCs letter XXXX. After much effort a XXXX XXXX XXXX, the owner of the local XXXX XXXX franchise, declined to make any offer of reimbursement ( see a copy of his email, below ). 
After talking to the XXXX owner, the basis of our dispute is that we insist we were not members after the XXXX 13 months and that we did not notice the money coming out of my wifes credit unit account for over 70 months until that account was closed and the finance company, XXXX, came after the XXXX payment. The XXXX position is you signed a contract and we called every few months to say come on down XXXX calls based on a report that showed we had not been to the Gym ). Our position is that we thought the calls were attempts to get us to rejoin. Both my wife and I clearly told the gyms employees during a number of these calls, that we were no longer members and we did not wish to rejoin. I was very firm with a representative of the gym who called in XXXX XXXX. They had called to my cell phone and reached me in Maryland where my family is relocating to. I asked them to stop calling as we had relocated out of State,  had not been members for nearly 10 years and had no intention of ever rejoining and yet they still kept charging our XXXX account. The XXXX XXXX Police had explained to me that once they get your account information, it is very hard to get them to stop charging you. In late XXXX early XXXX, I told them to stop having XXXX bother me, what did you not understand from my phone call in XXXX. They said they would take care of it, but shortly thereafter I received the attach letter from XXXX. I told a XXXX XXXX in a phone call, that if they had acted prior to sending the letter from XXXX, that they could have kept our money since the account was closed and we never knew they took any money from that account. 
We are seeking reimbursement of the {$5400.00}. More details are included in the timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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:
After reviewing my credit report i seen that i have some unauthorized credit inquiries, i contacted all 3 credit bureaus and placed fraud alert as well as disputed the inquiries, Equifax sent me a letter stating that i need to contact the creditors, i contacted the creditors and received letter from most creditors that the inquiry is fraudlent and will be taken off my credit report, i sent copy of all letters to Equifax and there was no response neither deletion of the inquiries, along with this i received notifications from XXXX that my identity has been sold on black market and as well a notification of unknown attempt of someone signing in into my email, i contacted Equifax again concerned about my identity and inquiring about the fraudulent inquiries and never received any type of response or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have three negative items on my credit reports. Two of which are related to me short-selling my home after a divorce in XXXX. The XXXX XXXX was XXXX XXXX XXXX Mortgage and the 2nd mortgagee was XXXX XXXX XXXX. Both of those lenders accepted their prospective proceeds from the short sale in XXXX. I have no issue with those negative debts on my credit report. The third negative item is from XXXX XXXX XXXX XXXX partial acct # XXXX ... XXXX and it shows Paid in Settlement in XXXX. I believe there has been a mistake in reporting between lenders. I believe XXXX, previously XXXX XXXX, was my original 2nd mortgage. As was common back then, my mortgages were sold to different lenders in the time I was there. I believe a reporting error was made because of a lender debt sale or name change. I have contacted the phone number on my credit report for XXXX and been transferred to multiple phone numbers within the company. Finally, I spoke with someone at XXXX who can only see the same account info in their system that is on my credit report because the account is so old. XXXX, nor the Experian Credit Dispute can show any documentation that this " debt '' is actually a negative item created by me. There was only a XXXX and 2nd on my home and those were settled. I need proof of what this negative item from  XXXX actually is and how it was settled. If this debt ca n't be substantiated by the lender, then the negative item on my credit report needs to be removed. I have already intitiated and received and disputed the intial credit report dispute thru Experian. There response basically said that " Yes, XXXX settled a debt with you ''. No other information at all. It could be a fradulent account and the lender provided no evidence to the contrary. Please help.

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 2017-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I informed National Credit Audit Corporation on two occasions that information reported by there company was incorrect. The amount listed and reports the credit bureaus are incorrect. NCAC responded in two letters on different dates stating The account was verified and is accurate. I received a final billing statement from the original creditor which list the correct amount owed. NCAC has refused to correct this information.

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 2017-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Portfolio Group
State: PA

Complaint narrative:
Constant phone calls and messages left by Premier Portfolio group to my phone, my wife 's phone and my XXXX young sons. They claim I have an unpaid debt from a payday loan or some nonsense. They threaten to call my employer, take legal action, etc .... 
I 've asked they stop many times. Today I received a call from a young lady named XXXX. Phone number called from XXXX. Callback number was XXXX. I called back because I need these calls to stop and XXXX hung up on me when I said I would report them to the FTC. I called back and said it was unprofessional to hang up on me and asked if the calls would stop. She said that she was n't going to argue with me and she would mark my file. I asked for her full name and she hung up on me again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I received a notice today XXXX/XXXX/XXXX from my employer that my wages were to be garnished. After reviewing the documentation provided from my employer I realized I have never heard of this debt. This is supposedly from a judgement received in XXXX of XXXX in XXXX TN. I currently live in NC and have had no knowledge of any judgments against me. I called the plaintiff listed Midland Funding LLC and the representative there had no information for me only gave me another number to call XXXX. After calling that number I see it is for an attorneys office XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. THe representative there was very rude and even after i told her this was not my debt told me i was pass the disputing period. how would I know to dispute something I have never had any information on. I was advised this is from a credit card issued by XXXX XXXX. I have never heard of this company and have never been contacted by them or any collection agengy. I was not given to opportunity to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After I called, everyday its a new inquiry on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After I called, everyday its a new inquiry on my account.

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 2017-11-13 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: VA

Complaint narrative:
I have called, concerning a lot of inquiries I dont recognize.. its affecting 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 2017-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: MD

Complaint narrative:
The following derogatory items listed on my account are causing a negative mark on my credit report and they are false. They are listed as medical debts which do not belong to me or any other member of my family. 

PERFECTION COLLECTIONS XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX / {$4400.00} - XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX 10 MONTHS XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX - {$3900.00} - XXXX/XXXX/XXXX XXXX XXXX XXXX 6 MONTHS XXXX XXXX, which we found to be a predatory company, offered us a monitoring service which we did not accept and we asked them several times to come and retrieve their equipment, which they never did. After which we discovered these derogatory marks, which we are being told are for medical expenses, have been added to our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have charges on my account that were fraudulently done. I have disputed the charges as fraud and have asked the XXXX XXXX to remove them from my account. They have a temporary credit then did a charge back months later. This authorized user was sent two cards of which one was not received. Cards were to be canceled per my conversation with XXXX XXXX. Unauthorized charges occurred after this date. I will not pay for charges I did not make nor authorize and need to be removed from my account at once.

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 2017-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hosto & Buchan, PLLC
State: NC

Complaint narrative:
I received a notice today XXXX/XXXX/XXXX from my employer that my wages were to be garnished XXXX. After reviewing the documentation provided from my employer I realized I have never heard of this debt. This is supposedly from a judgement received in XXXX of XXXX in XXXX TN. I currently live in NC and have had no knowledge of any judgments against me. I called the plaintiff listed XXXX XXXX XXXX and the representative there had no information for me only gave me another number to call XXXX. After calling that number I see it is for an attorneys office XXXX XXXX XXXX, Hosto & Buchan Pllc. THe representative there was very rude and even after i told her this was not my debt told me i was pass the disputing period. how would I know to dispute something I have never had any information on. I was advised this is from a credit card issued by XXXX XXXX. I have never heard of this company and have never been contacted by them or any collection agengy. I was not given to opportunity to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit card was stolen out of my planer and I did not realize until I received my statement. I reached out to Citibank to dispute fraud charges on my account. XXXX issued credit for all charges then a month later did a charge back and closed my account. They will not talk to me via phone to resolve and said i must write into them. I want all fraud charges credited back to my account and account to remain closed.

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Earlier this year I wrote all 3 credit agencies to and sent them the paper work veryfying my information and all except 1 Trans Union continue to report this Tax Lien information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In 3 successive days XXXX was taken out of my checking accounts by a company called XXXX and A XXXX credit card. This began on XXXX/XXXX/XXXX when I noticed 4 different deductions totaling XXXX. I called the bank and they closed the account and gave me new account. On XXXX {XXXX more was withdrawn from the new account of which only Bank of America had the account number. On XXXX XXXX  more was taken as a XXXX transaction by a private individual. They have now frozen all my accounts.

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 2017-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I have a car loan with Navy Federal and honestly forgot to reach out to the bank after my loan was approved. Navy Federal advised me that I stated that I would go to the branch to pick up the loan after listening to the calls. 
Navy Federal let the loan sit at the bank for over 3 weeks and did not contact me about the loan. They stated that it is not their policy to reach out to consumers on their loans. It seems a very bad business practice to just not contact a consumer about a loan. Life happens and sometimes a consumer can forget. 
I am very upset that the blame is all on me and that Navy Federal considers this a normal business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation