vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
I looked on my account in the end on XX/XX/XXXX when I got a email stating my score changed. I went on and found Transworld Systems ( TSI ) had put a supposed debt collection on my XXXX report. It stated the account was opened in XX/XX/XXXX although it didn't show on my report until XX/XX/XXXX. It shows it is some kind of medical debt although I have insurance and haven't been without insurance since I was a child. I also did not visit the doctor in XXXX other than an urgent care. The debt total is {$1000.00}. I find this interesting because some time ago my husband had a medical bill go into collection with them totaling {$1000.00}. Which was open on false pretenses. The bill was paid through charity care and should never have gone into collection in the first place. We also got some kind of letter from TSI. It was unclear what the name was as it had a XXXX and our last name, but didn't make up a full name. We just assumed they were trying again to get my husband to pay so we sent a letter with his info on XX/XX/XXXX through certified mail. The certified postcard was signed and sent on XX/XX/XXXX. We didn't even consider me as I hadn't been to the doctor and the debt total was the same as what they tried to collect from my husband. After it showed up on my report I sent a letter also on XX/XX/XXXX through certified mail also. The certified postcard was signed and sent on XX/XX/XXXX. The only thing I can come up with is TSI is trying to get their money they paid to purchase the debt, which we do not owe them and never did. We thought this was resolved after it was removed off my husbands report. But it shows now on mine. We contacted them and asked them to remove the debt but they have not sent anything back in response. It has now been 2 months and it is still on my report! I am also curious how did they get my information?! Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Four unknown hard inquiries have been made on my credit. I didn't apply to any credit cards, loans, or any other service. These inquiries were made in other cities, no where near where I currently reside. One was made by XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX, CO XXXX, another inquiry by XXXX XXXX XXXX XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, another by XXXX XXXX XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX, DE XXXX, and another inquiry by XXXX on XX/XX/19 XXXX XXXX XXXX XXXX, OH XXXX. I never made those or gave permission to any of those companies to run my credit. I would like those inquiries taken off my credit report. I was told cfpb would be able to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have a credit card on my credit report that I know nothing about. It is a CITICARD CBNA credit card with a balance of {$3300.00}. 

Ive contacted Citibank about it and they can not pull up any information about a credit card with them with my social security number. 

However they said that I was added as an authorized user, but they wont tell me by who. 

I have nothing to do with this credit card and would like it removed from my credit 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 non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I have a medical debt, and the hospital transfer to collection company which I understand, Now the collection company call me and promise me that if I paid in full they are going to remove the collection from credit report. I paid on XX/XX/XXXX of 2019 and one month late the collection is still in my credit report. 

Is not fair that they promise remove that and they didn't.

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 2019-05-28 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:
I am disputing unauthorized and unverified accounts on 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 2019-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have contacted Navient several times and they will NOT honor the postponed due dates as noted in the email. They are confusing the one month deferment provided to all customers and rate reduction program I was in. They will not current the problem. They are misrepresenting what they should be honoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: VA

Complaint narrative:
I used to live at XXXX XXXX XXXX in XXXX VA. 

My lease terminated normally, I gave notice and moved. When I moved ( 3 days prior to the end of the lease ) I properly exited the premises. 

I had give Deposit + pet Deposit + 1 month rent ahead of moving in. 

They are attempting to charge me for moving out. I did not owe anything. 

They said I used the trash service, to have items removed after my move out, which I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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:
I am disputing unauthorized and unverified accounts on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: NY

Complaint narrative:
I am disputing unauthorized and unverified accounts on 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 non-monetary relief
Consumer complaint received 2019-05-28 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: TN

Complaint narrative:
Historically, I have been able to lift a " freeze '' on my credit report by using Experian 's call in number, XXXX. Today I attempted to lift my freeze for a brief period of time with no success on three separate ocassions with no success. In all instances, following my successful migration through online questions ( i.e., SS #, birthdate, mailing address, and my Experian PIN, lift date, and re-freeze date ) three separate times, the recorded announcement explained that my identity was inadequately provided and that I would need to mail sensitive PI to them to get my freeze lifted. As the result of not being able to speak with a person at Experian I again called Experian an opted out to an Experian representative at XXXX. The representative ( using the same information in their automated telephone question/response ) successfully assisted me in lifting my freeze for my requested period. I expressed concern that their phone-automated system failed to recognize my credentials. I asked the representative, and their supervisor, to whom I should direct my concerns. Both the representative and supervisor were unable/unwilling to connect my phone call with the organization/person responsible for the telephone-inquiry software. I am quite concerned about the automated telephone response that requested sensitive PI for no apparently legitimate reason. I want a response from Experian as to why it would be necessary for me to further legitimize my identity. Please assist me in obtaining an explanation from Experian.

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 2019-05-28 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services
State: NV

Complaint narrative:
Recently signed up for monitoring company in which I first noticed fraudulent account reporting from company BYL Services I have no relations to think account this is a result of identity theft as I have reported to the FTC as Identity theft and seeking that it be removed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Well it's supposed to be free but all three of them asked me for a credit card and want me to pay for it to get my score if it's free it should be free I should never have to putting a credit card and be charged for it from my once a year free credit 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 2019-05-28 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: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
State: NV

Complaint narrative:
i want to delete these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Sometime on the night of XX/XX/XXXX or early XX/XX/XXXX my debit card was stolen. The next morning I woke up to alerts from my bank app relating to transactions and ATM withdrawals that had occurred that morning. I immediately called the bank ( at XXXX XXXX CT ), notified them that any transactions from that account that day were fraudulent, and to block the card. The bank temporarily credited some of the charges, but not all, and turned the card off at XXXX XXXX CT ( I have email confirmation of this ). A couple days later on XX/XX/XXXX, I went into a Chase branch to figure out why only some of the charges had been credited. The personal banker there informed me that whoever took the initial call missed some of the charges and it seemed some of the charges even occurred after the card was supposed to have been shut off. She also said that it would take a few days, but by XX/XX/XXXX I should see everything credited back to my account. However that never happened and instead the bank began reversing out the credits they had already given me. Then on XX/XX/XXXX, I spoke to the personal banker from the branch again and was told that the bank 's fraud department had determined that the charges were authorized ( since a pin was used ) and that I would not be receiving any credits. 

A few things that I think are important to consider : The bank allowed {$5000.00} to be withdrawn across 13 transactions over about 4 hours.

4 of the transactions occurred after I initiated the call to the bank fraud line. 
It appears to have taken 17 minutes into that call for the bank to have shut the card off. 
The bank never provided temporary credits for some of the charges. 
Most of the transactions occurred in XXXX. XXXX and XXXX ( between XXXX and XXXX ET ), and I live in XXXX without a car. 
I have credit card payments occurring in XXXX Saturday close to XXXX XXXX and again on XXXX XXXX. 
I have a receipt for an XXXX delivery to my XXXX apartment at XXXX XXXX  CT. 
I have multiple accounts and credit cards with this bank ( for over 10 yrs ), have been an excellent customer, and have never had activity similar to these charges ( cash back at XXXX, several large cash withdrawals in short time, any use of the debit card for that matter ). 
Chase claims to have a zero liability policy regarding fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
made complaint about company to CFPB company placed a hard inquiry on report. This is a violation of improper credit use of consumer 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 explanation
Consumer complaint received 2019-05-28 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: PA

Complaint narrative:
made complaint about company to CFPB company placed a hard inquiry on report. This is a violation of improper credit use of consumer 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 explanation
Consumer complaint received 2019-05-28 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-28 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: NC

Complaint narrative:
XXXX is still appearing on all three of my credit reports although the balance has been satisfied. It still shows as an open loan with the full amount due and that is incorrect.

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 2019-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
Stallings financial group a collection company sent me a bill saying the creditor : XXXX XXXX XXXX XXXX XXXX that I owe them XXXX dollars I called them it's from a visit from the emergency room doctor I explain to them every month I pay on my hospital bill I haven't received a separate bill from a doctor saying that I owe the doctor that seen me Stalling financial group want me to send them a payment which I don't now anything about I don't old them this company say they got three debts that I suppose to owe I don't now nothing about I haven't received any bills in the mail or phone calls from XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: CA

Complaint narrative:
XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not 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 non-monetary relief
Consumer complaint received 2019-05-28 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: NC

Complaint narrative:
XXXX is still appearing on all three of my credit reports although the balance has been satisfied. It still shows as an open loan with the full amount due and that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: NC

Complaint narrative:
XXXX is still appearing on all three of my credit reports although the balance has been satisfied. It still shows as an open loan with the full amount due and that is incorrect.

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 2019-05-28 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: CARVANT FINANCIAL LLC
State: PA

Complaint narrative:
made complaint about company to CFPB company placed a hard inquiry on report. This is a violation of improper credit use of consumer 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 explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have been receiving constant calls from a company called Portfolio Recovery with the most recent being today XX/XX/2019 at XXXX. This group calls from 100 's of different numbers numerous times per day. The times I have answered noone is on the line. I don't owe this company a dime and am sick and tired of the constant harrassment. They should be penalized up to liquidating due to such harrassment. 
I understand that this company has been fined in the past but it doesn't seem to bother them. I request that the FTC step up for the American consumer and put a stop to this company 's harassment and infringement on our time and lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I tried to set up a payment on my Arvest bank account via Arvest 's online banking system. 

My transaction errored out and instructed me to try again. When I did, the second attempt failed with a duplicate transaction. I contacted Arvest and they said there was a system problem and that my account would be fixed in a day or tow. 

I checked my account again on XX/XX/XXXX. The error transactions had not been corrected. I did try again to set up an account. This had the same errors that I encountered on XX/XX/XXXX. Arvest again said that they have a system problem and my account would be fixed soon. 

On XX/XX/XXXX, I noticed that my account balanced had dropped. When I accessed my account, errored out transactions were starting to process and make payments. The online system would not let me delete or alter the errored out transactions. 

I again contacted Arvest and was told there was a computer problem. No timeline was given as to when my account would be fixed. 

At this point, my account is basically locked since I can not set up payments for correct any errors.

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