vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
Me and 5 other tenants had our money orders stolen from our rental drop box on XX/XX/XXXX. called western union to report. they had me pay XXXX to proses. and on the XXXX they told me it was cashed, that being said they sent me an affidavit I paid to have it notarized, gave my address, rental information and copy of police report, mailed to their office on XXXX paid for 2day delivery, Now its XX/XX/XXXX and as of yesterday they claim they still have not gotten my personal and privet info??? I called USPS and had a rep to look up tracking number ( because I paid for postage ) AND CONFIRMED IT WAS DELIVERD ON THE XXXX OF XXXX  @ XXXX!!!!! I just spoke with the postmaster in Colorado because they have opened up an investigation and told me through verification their carrier picked up my mail, and delivered it to the facility, something is not adding up I would applaud ANYONE WHO CAN HELP ME I PAID FOR FEES AND STILL HAVE MY XXXX RENT MONEY UNACCOUNTED FOR AND THEY ARE RUDELY DENIYING ME TO SPEAK WITH THE FRAUD DEPT. PLEASE HELP IT IS MY PERSONAL INFO FLOATING IN THE COUNTRY??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of identity theft and as a results fraudulent activities happened on credit report. I disputed this account on XXXX but still This company is erroneously reporting information on my credit report.It shows the last payment was last XX/XX/2012. If the last payment was on that month, which I believe paid off the account, why would I be reported 30 days - 120 days then account got charged off? When really was the last payment? What is the correct account closed date? How much was the last payment? 

This accounts information is inaccurate and incorrect and has not been updated correctly. Please block/delete this unacceptable file from my report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am submitting this complaint on bank of america. I had an account with them back in 2011. I had paid this bill in full years ago. To my surprise upon veiwing my credit reports I noticed that this account was reporting as a charge off. I immediately started looking into this. I made numerous phone calls ... ..sent in a identity theft report etc. Today I spoke with a rep from bank of america and we went over all the transactions that were done from years ago. I explained that I did not do these charges nor cash withdrawls and I should not be held responsible for this. The rep went through everything and said she will not mark this as a fraudulant account because payments were being made on the card during these fraudulant charges. I explained that at the time I lived in a house where I rented the downstairs apartment and other people rented the upstairs but we all shared 1 mailbox. I would like to note that I did fill out a police report at the police station when I first noticed that my bank account had been hacked into along with another credit card that I no longer have. ( XXXX  XXXX  XXXX ). I also have noted on my credit reports from years ago that I was a victim of identity theft. I am submitting this complaint because I am being held liable for charges that I did not do. This is affecting my credit along with my credit worthiness. To my knowledge from legal advise I was told I can request to have this account hidden from creditors on my credit reports until the situation is rectified. I am being sent copies of all the transactions. I have already comtacted the police department over in XXXX ny to request a foil copy of the police report that I made back years ago when this happened. Bank of america is holding me liable for a debt that I did not incurr.

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 2018-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
I disputed the account on my credit reports ... .... it came back " verified ''. I then sent a letter to 1st Heritage on XXXX, XXXX asking them to verify the account with my contract. I received a reply letter back from XXXX XXXX XXXX. It was just a general letter they send out. It didn't have a contract or any paperwork that I was requesting. I mailed out my 2nd letter to XXXX XXXX asking again about the contract with my signature AND also stating inaccuracies that was on my credit report. XXXX XXXX was reporting on my credit reports that date of last payment was XX/XX/XXXX but on the payment calendar it showed a payment in XX/XX/XXXX. They also had a bunch of discrepancies on the payment calendars that I stated in my letter. They replied to my 2nd letter with the SAME letter they sent out before. Not addressing any of my facts. FCRA U.S.C.1681i ( a ) ( 5 ) ( A ) ( i ) that all information must BE ACCURATE, VERIFIABLE OR BE DELETED. FCRA U.S.C.1681s-2 ... .. these furnishers have to provide ACCURATE information when reporting to the credit bureaus. I sent a final 3rd letter in attempts to get accurate information, only to be sent the SAME letter they sent the first 2 times. In my 3rd letter, I asked them to verify aspects of the acct. They were reporting different " date of last payments ' and payment history wasn't correct. I also asked for them to produce the XXXX for the accounting owed. If they claimed a loss on taxes, made any insurance claims or took a loss and not crediting the client. They sent no such information or paperwork. XXXX XXXX is not in compliance with the FCRA. We as consumers have every right to ask for verification from creditors to make sure they are reporting 100 % accurate on credit reports. I even stated what was reporting wrong on the reports and asked numerous times for XXXX XXXX to send me proof of the inaccurate reporting ... ... and I got nothing. It is companies like this that feel that do not have to comply with Federal Laws that are their to protect consumers.In their letters, it states to provide them with details regarding specific information that was incorrect. I complied with that and gave them items that were wrong. And asked them how they got the balance they got, which is wrong. They are suppose to be able to provide me this information and verify all aspects of the account and they have FAILED to do so. According to FCRA 15 U.S.C.1681s-2b ( 1 ) ( E ) ( ii ) if an item is found to be INACCURATE, INCOMPLETE, OR CAN NOT BE VERIFIED, the furnisher MUST DELETE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I have had constant communication with Navient over the past six months as I am trying to pay off my loans quickly. I started tracking my monthly bills as I started making XXXX dollar payments ( my monthly IBR is {$360.00} ). I pay {$700.00} to ensure I am covering the new interest that is accrued monthly. In XXXX my total loan balance was {$130000.00} and in XXXX my total loan balance was {$130000.00}. I had not made a significant payment at this point in time only the {$700.00}. In addition, the total unpaid interest for the loan was {$17000.00} in XXXX and then in XXXX it was {$28000.00}. I called to inquire and a woman told me it was because they audited my account and found that they had paid too much of the interest on my subsidized loans. I just got off the phone without inquiring more. I then called back and the new Navient customer service rep could not find out why the interest changed and the balance. He put in an inquiry at which point I received a letter from Navient " explaining '' what happened. When I called again to ask what the letter meant the customer service rep could not tell me. He put in another request asking why my account was audited, a full report of every payment I've ever made, and a better explanation of the increase in the unpaid interest. I received the letter explaining the aforementioned and all it was was a generic sheet on how interest accrues. My questions have yet to be answered. I find it very interesting that they decided to audit my account once I started making large payments. I've made close to XXXX in payments since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I contacted online collections of XXXX on XX/XX/2018 via written letter requesting VALIDATION of a debt in the amount of {$560.00}. They prompted responded with a letter saying the date has been paid and my credit would reflect that. This is not proper VALIDATION under the terms of the FCRA. I am asking the company to supply a valid contract/lease with my signature on it validating it. This collection has caused great impact on my credit and it doesn't even belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover closed my accounts directly based on other bank closing my account. They will not send me information why they closed my account beside business decision. But this decision was made on wrong facts and are discriminating against me after having perfect payment history for over 5 years with their financial institution. I was told over phone by other bank I was involved with some type of money laundering which couldn't be any further from the truth. I would never do such a thing and I have over 5 years of perfect payment history of all my accounts and good credit scores. So please reissue my accounts because this closure was based on wrong information gathered from other source. Please provide any wrongdoing on my part if thats what you based your decision on if not please reopen my 2 accounts asap. 

Accounts ending in XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: ID

Complaint narrative:
Navient has repeatedly created confusion on my outstanding Federal Loans causing my consolidated loans to go in default. Not once did I receive ANY information about the default. After having my Federal Income Tax Return Offset from the Department of Labor did I go to NSLDS to look at the status of my loans. 
Only then did I see the status of my loans. And how many I had considering I went to a two year technical school. 
So many different loans, different due dates, different rates ... .over the course of two years? 
I have been struggling to find work this last year and really needed my income tax return as my child and I had lost our home due to my unemployment. And yet Navient got it all. And funny how I never saw that money as a credit towards my many many loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: AR

Complaint narrative:
I've sent Equifax the results of my investigation for fraudulent accounts listed on my credit file and Equifax and Equifax has not kept any of my docusments on file. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

Equifax initated a dispute without my consent. I had already sent equifax, unrebutted facts that were established. Equifax recived a Affidavit of Identity Theft, results of a UCC 11 search, Police Report, and Affidavit of Truth, as well as a cover letter detailing the information and my intention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank cliamed to close my credit card because I had done money laundering. I was told my supervisor they thought I was doing money laundering and that was reasoning for closure. Never in my life have I committed a crime and I have perfect payment history with all my cards for 6 years. I have no idea what in the world made them think I was doing such a thing. Please provide 100 % proof of your findings or reopen my account ASAP. This is discrimination and false accusations of someone who has been a perfect client with perfect 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 explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
I was contacted in writing by QUALITY ASSET RECOVERY in XX/XX/XXXX that a {$710.00} ambulance from XX/XX/XXXX bill was sent to them for collection. I contacted the Quality Asset Recovery promptly and stated this had to of been an oversight and to let me resubmit to insurance for payment. About 30 days passed and I was contacted on XX/XX/XXXX. I was told that the insurance company paid all but {$140.00} and could I make payment which I arranged to have paid on a credit card on XX/XX/XXXX. On XX/XX/XXXX I was checking my credit report and saw that QAR reported he {$710.00} as uncollected debt with a status of " in collection '' on XX/XX/XXXX. 

This is ridiculous I followed the ruled paid the debt and they didn't even give me and opportunity to make good on it. Totally unfair. I did contact Quality and they stated it will be removed from my credit report in 45 days. I am skeptical. Not only id this lower my credit score but I am was in the process of shopping for a mortgage and this has hurt

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 2018-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I mailed a VALIDATION letter to kohls department store on XX/XX/2018. I got a copy of my credit report and do not recall this store card. I NEVER got a reply from the company and it's way past the 30 day grace period. As per the FCRA 30 days response is typical and VALIDATION is a contract and or lease signed. I'm asking the company provide that or please delete this credit card from my credit as its causing me distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear XXXX XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond ONLY VIA THE CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 non-monetary relief
Consumer complaint received 2018-04-03 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: MI

Complaint narrative:
I have previously disputed this below inquires with Equifax directly and they only responded " inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' There are NOT factual. This is to notify you that I contacted the following inquiry creditors for proof of authorization to pull my credit. I do not recall placing an application with such creditors, nor do I agree to having had my credit pulled by such creditors. I reached out to the creditors who placed the inquiry and requested they remove the credit inquiry from my credit profile. XXXX XXXX XXXX responded that they will remove the unauthorized inquiry. XXXX XXXX received a dispute via certified mail, XX/XX/XXXX, and has failed to respond for the unauthorized inquires on XX/XX/XXXX and XX/XX/XXXX so I am assuming they have no such documentation. XXXX   XXXX received a dispute letter via certified mail XX/XX/XXXX and has failed to respond as well. I demand these inquiries be removed from my credit file at once : 1 ) XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I am enclosing a copy of the letter mailed certified to the inquiring creditors, along with XXXX 's response stating they do NOT have records of my inquiry and are removing the inquiry. I have also attached certified receipts for the letter mailed to XXXX XXXX and XXXX   XXXX. With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate, unverifiable information on my credit file and liable for monetary damages. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I had a credit card with XXXX, a retail store that is on military bases. in XX/XX/2008 it went into default for XXXX.. never received anything from them until TRANSWORLD SYSTEMS INC started garnishing my wages at 25 percent and is garnishing a total of about XXXX. Never got a communication or sopona to appear in court, never received any letter from either XXXX or TRANSWORLD SYSTEMS INC. 

Also the garnishment is showing as a Student loan, I do not have any student loans. 
Apparently Transworld systems is also part of the same group of which XXXX   XXXX is a part of. About 3 years ago i was going through the exact same thing with XXXX XXXX and eventually they returned the Money they were Garnishing and stopped Garnishing me after an inquiry from CPFB. 
I never learned what happened because CPFB doesn't disclose the results of their inquiry. 




Student with one loan- Federal XXXX TRANSWORLD SYSTEMS INC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: AES/PHEAA
State: IA

Complaint narrative:
I had 17 loans with XXXX XXXX, I now have 2 loans which are consolidated. In XX/XX/XXXX they reported to my credit report that I was 90 days past due, since the loans had not been consolidated at that point it did not just report it once but 17 times. My loans had a forbearance from XX/XX/XXXX-XX/XX/XXXX, I never received a bill from them to prompt me to pay anything and every attempt that I have made to get them to correct my credit report comes back, with them saying that it is correct and they do not have to correct because a forbearance does not stop it from being considered late if you look at the 2 previous months on my credit report they reported that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all paid as agreed and then in XX/XX/XXXX reported that it was 90 days past due, if it was 90 days past due then I would not have been able to have been as agreed in the 3 months prior to it. The loans have since been consolidated and are on a payment plan where it has not shown a missed payment since, they are unjustly leaving these on my credit report even though my loan was in forbearance in order to prevent me from obtaining other credit.

Company response to consumer: Closed with explanation