vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-08 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: OH

Complaint narrative:
XXXX XXXX and Experian refuse to place fraud alerts on my credit bureau accounts and freeze all inquirees and attempts to gain credit. I had alerts on all 3 to freeze my reports and apparently someone figured out a way to ignore that. 

Today I received word that there have been fraudulent attempts to apply for credit in my name at both XXXX and Experian. 

I received notices from both XXXX XXXX and https : //opm.gov/cybersecurity that my identity was being compromised. I called one of the banks listed on the XXXX and found it was XXXX. I talked to XXXX in the XXXX fraud department reference number XXXX. They had a hard inquiry that someone attempted in my name. They deleted the record and reported the fraud to XXXX They said they would send me a letter and that I should hear from XXXX in 30 to 60 days. XXXX refuses to take my calls and refuses to authenticate me online! 

Today XXXX notified me of 2 fraud attempts to gain credit on Experian. Same problem contacting them. info below : -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX Not sure what this is? Contact XXXX -- -- -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone BYMAILONLY Address XXXX XXXX XXXX XXXX, OH XXXX Company XXXX Not sure what this is? Contact XXXX Please make all three credit bureaus ock my reports for 7 years! OPM notified me over a year ago that they had compromised military and civilian data to include mine. Clearly I am now a Identity Theft Victim.

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 2017-12-08 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: OH

Complaint narrative:
Transunion, XXXX and XXXX refuse to place fraud alerts on my credit bureau accounts and freeze all inquirees and attempts to gain credit. I had alerts on all 3 to freeze my reports and apparently someone figured out a way to ignore that. 

Today I received word that there have been fraudulent attempts to apply for credit in my name at both Transunion and XXXX. 

I received notices from both XXXX XXXX and https : //opm.gov/cybersecurity that my identity was being compromised. I called one of the banks listed on the Transunion and found it was XXXX. I talked to XXXX in the XXXX fraud department reference number XXXX. They had a hard inquiry that someone attempted in my name. They deleted the record and reported the fraud to Transunion. They said they would send me a letter and that I should hear from Transunion in 30 to 60 days. Transunion refuses to take my calls and refuses to authenticate me online! 

Today XXXX notified me of 2 fraud attempts to gain credit on Experian. Same problem contacting them. info below : -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX Not sure what this is? Contact XXXX -- -- -- -- -- - XXXX obtained a copy of your XXXX Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone BYMAILONLY Address XXXX XXXX XXXX XXXX, OH XXXX Company XXXX Not sure what this is? Contact XXXX Please make all three credit bureaus ock my reports for 7 years! OPM notified me over a year ago that they had compromised military and civilian data to include mine. Clearly I am now a Identity Theft Victim.

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 2017-12-08 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: GA

Complaint narrative:
None of these charges are mine. The last legitimate charge was on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX Auth : Usps.com Postal Store {$810.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$190.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$110.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$120.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$54.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$29.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$32.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$16.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$12.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$14.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$19.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$16.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$23.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$8.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$8.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$7.00} XXXX/XXXX/XXXX Auth : Usps.com Postal Store {$730.00} XXXX/XXXX/XXXX Auth : XXXX {$59.00} XXXX/XXXX/XXXX Auth : XXXX {$1.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$260.00}

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 non-monetary relief
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
My rent was {$570.00} a month. I paid the rent on time and in full. I gave proper 30 day written notice that I would vacate. I did n't damage the unit. They took my entire security deposit. Their workers who many did n't speak English kept entering my unit without notice so I moved out. I let management know but the workers kept doing it. I do not owe this. I 've never been given written notice of the debt. I asked for it just about 2 months ago, again, and habe still received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRSTBANK
State: CA

Complaint narrative:
XXXX was offering a XXXX dollar promotional credit upon opening a new checking account and receiving a XXXX dollar direct deposit. The credit was issued upon completion of this direct deposit but was later rescinded. After another XXXX dollar qualifying direct deposit from the same originating financial institution as the first one was received XXXX refused to re-credit the account with the XXXX dollar. They constantly bent the rules and kept referencing different rules etc. The requirements were met but XXXX wont make good on their offer.

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 2017-12-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I BELIEVE THE CREDIT REPORTS ARE SHOWING MY " FBN '' AS HAVING A SOCIAL SECURITY NUMBER AND PERSONAL CREDIT. THIS MAKES ME LOOK LIKE A UNAUTHORIZED PERSON WHEN I USE MY SOCIAL AND MY NAME TOGETHER ON ANY APPLICATION. 

I HAVE BEEN DENIED OPPORTUNITIES AND SUFFERED DAMAGES. 

I HAVE YET TO SEE ANY ORIGINAL INSTRUMENTS IN THERE ORIGINAL FORM THAT WOULD QUALIFY AS FACT OR EVIDENCE. 

I HAVE NOT RECEIVED A NOTICE OR BEEN SHOWN ANY PROOF OF ANY RULES BEING ENFORCED. 

I HAVE REQUESTED MY CREDIT REPORTS AND BEEN DENIED ON LINE A FEW MOMENTS AGO TAKING PICTURES OF THE SCREEN AND PRINTING ERROR MESSAGES. 

PLEASE HELP! 

THANK YOU,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 
Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 
If XXXX modifies the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request. If you have any questions, please reach out to me at the above address.

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 2017-12-08 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: NJ

Complaint narrative:
As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 
Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 
If XXXX modifies the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request. If you have any questions, please reach out to me at the above address.

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 2017-12-08 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: NJ

Complaint narrative:
As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 
Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 
If XXXX modifies the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request. If you have any questions, please reach out to me at the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize any of these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: GA

Complaint narrative:
I did not authorize any of these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for all your 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 non-monetary relief
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I contacted XXXX because Sequoia Financial Services kept checking my credit and had 5 bills of mine totaling almost {$17000.00} ... the original Total was over 50,000 and the hospital absorbed 95 % leaving me with a balance of {$2600.00} ... I never received anything from the hospital and it was sent to collection almost immediately even after the financial agreement ... They also retrode it to cover past and present ... I only received {$14000.00} of that {$50000.00} total and bills the rest I never saw ... And Sequoia also had two bills for over {$6000.00} that the hospital never sent me from XXXX and I do n't think I was even there ... When I filed the dispute with XXXX on XXXX XXXX I sent them the documents from the hospital as well as my letter asking for the financial assistance ... On XXXX XXXX XXXX  removed every single one of the Sequoia charges because they were not valid ... Then on XXXX XXXX I got a letter from Sequoia Financial Services stating that I owed them {$12000.00} and that amount almost {$1700.00} was interest that they illegally charged to my account on fraudulent bills ... those two bills for over {$6000.00} for not included in their total I do n't even think that they were real bills ... and the worst thing that they did was they somehow illegally obtained my very private and detailed emergency room visit that nobody should have ever seen ... I know this because Sequoia sent it to me and I was floored ... I have never heard from them since and a couple days ago I got a bill in the mail from another collection agency called XXXX XXXX XXXX and they have purchased one of my accounts from Sequoia ... this company is the worst and they have so many complaints against them I ca n't even understand how they 're still allowed to be in business ... They are Crooks and they are breaking the law

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 2017-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America charged me 2 overdraft fees and it was there overdraft fee that actually took me over the limit. This bank continues to charge me several fees when it is only 1 charge that takes me over the limit. How exactly does that happen. I am working 5 different jobs and do n't have any  funds to just give away.

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 2017-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
Collection Agency Common Wealth Financial opened account on XXXX XXXX, 2016 for a balance of {$1000.00}. This collection agency isnt licensed in my state and I am requesting it to be removed from all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I was mislead by recruiters at XXXX XXXX. about the education I was going to recieve and the money I would make. I had instructors ( not professors ) who told all students to drop out and not continue and that the school was a scam. I did n't realize no one would hire me or take my degree from XXXX XXXX seriously. I was charged alot of money for no education. I did not realize so much money was being stolen from me. The recruiter was a tricky salesman who I believe charged me far more than typical because he knew I was just desperate to go to school and find a good job. I never found that job. Now the school is out of business and I never got to finish. I have all of these charges on my credit report destroying my credit and any possible future I might have because of one horrible decision I made : trusting XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
Alleging I owe on a XXXX phone bill, however I 've never had said lines. None of the lines had any usage and that is suspicious. I 've had XXXX for over 10 years. Sent me paperwork with my name on it when I requested validation, could have been forged. Nothing with my signature was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am being evaluated for a modification to a home equity loan I took out with Countrywide Mortgage proceeds used to pay medical bills for my XXXX XXXX XXXX. 
The loan I now know was a predator loan set up with variable rates based on the Prime rate. 

The loan was serviced by XXXX XXXX, XXXX who knew of my hardship and financial situation but never reached out to me to help during the time of the Making Home Affordable Programs nor would they provide the amount of the reset payment. I filed CFPB complaint # XXXX. My loan was transferred shortly after to be serviced by the Bank of America. At the time of transfer my rate was B 7.50 % which carried over to the Bank. 

It was very slow going with the Bank and I was not getting any answers to my inquiries so I filed CFPB complaint # XXXX. I have been working with a Customer Relations Manager ( s ) from the Bank since my complaint and provided them with the documents they requested. I am VERY CONCERNED about the outcome as their staff are questioning the documents and saying ; 1. The XXXX I submitted was not signed or legible, and was rejected by the IRS. 
When a financial friend submitted the same XXXX to the IRS, he received the tax transcripts the Bank needed. 
2. I submitted completed tax forms for the last tax year. My signature on the forms are being questioned because it different from my signature on previously submitted documents. Well ... I have a XXXX XXXX that causes XXXX XXXX, sometime not being able to XXXX XXXX XXXX XXXX. 

For the past two month I have not received my loan statements. I was not aware of the increase in my monthly payment and interest rate. There had been no increase in the Prime rate. So I called customer service to ask why the increase. I was given a reference #, told to fax my dispute to the Rate Dept. ( XXXX XXXX ) and call back the following week. 
When I did I was told the rate was where it should be. ( see attachments ) My rate had increased to 7.75 % from 7.50 %. I was never informed all this time of the increase. Prime had not changd so I continued to make the payments at the same amount as the previous months. 
This now reflects on my credit report as late. 

Now I know why at the biweekly phone conference why the CRM always asked had I made my payment just before he spoke about the new documents I needed to forward the Bank. 
I was in arrears, did n't know it and no one was telling me. I did n't have access to it online.

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 2017-12-08 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: MO

Complaint narrative:
I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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