vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have attempted to dispute this collection off of my credit report twice. The second time i mailed a certified letter to XXXX and they received it and signed for it XX/XX/2018. I mailed them a demand letter for verification of debt as well as a request to remove it due to me disputing it and it is not my debt with other documents. Nobody has ever responded to me. I called in on XX/XX/XXXX in regards to why i have not heard anything and why is it still on my credit. I was asked at that time would i like to start a dispute and i told them " NO. '' this has already been a process why start over. An representative decided to go against what i requested and per them ALL CALL ARE MONITORED OR RECORDED. I have also received two letters from XXXX XXXX   executive office stating they do not have any record of debt owed by me to their company. The last letter received from XXXXXXXX XXXX was XX/XX/18 which is 1 of 3.  On XXXX i spoke to XXXX XXXX who advised me she will request a supervisor to call me back within 48 hours, and also made me aware of the dispute being opened XX/XX/18 without my permission and as of today i have heard nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ON XX/XX/2018 I submitted a complaint to CFPB in regards to incorrect reporting of my student loans by all of the 3 credit reporting agencies. XXXX responded to the CFPB, investigated and made a number of corrections, deletions etc to my credit report. It is not 100 % accurate but it is closer to the truth.

XXXX and Transunion sent the standard " we will investigate and get back to you responses '' That was almost 120 days ago. They did not add any additional information to the CFPB complaint nor did they investigate or they would have found that the same thing that XXXX did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is for XXXX, Transunion and XXXX. I am on hold and hung up on all the time when trying to dispute itmes on my report. I go on XXXX website and it ask me questions about accounts I know nothing of having or ever having and I answer them correctly and they still deny me the ability to file a dispute acting like I answered the questions wrong when I did not This has been going on over a month, this is the worst credit reporting company ever. I call XXXX nd they hang up on me, Transunion could care less abiut consumers. I ahve not been able to get a copy of my report since being denied a job or credit. I have things on my report that should not be on there. I missed out on two jobs because of this system, company and their mistakes and not having the ability to dispute anything also with XXXX..The three items that should NOT be on my report as they have been paid in FULL are - '' XXXX is with XXXX XXXX balance is showing {$1100.00}, XXXX XXXX XXXX with XXXX XXXX XXXX {$28.00} , XXXX XXXX  showing {$150.00} owed, which was Paid in full by insurance company XXXX. Then also XXXX XXXX balance was PAID IN full amount $ XXXX..I should not have to call in or try to every month to egt these off that should not be on there..I have been fighting these items for over one to two years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is for XXXX, XXXX and Experian. I am on hold and hung up on all the time when trying to dispute itmes on my report. I go on XXXX website and it ask me questions about accounts I know nothing of having or ever having and I answer them correctly and they still deny me the ability to file a dispute acting like I answered the questions wrong when I did not This has been going on over a month, this is the worst credit reporting company ever. I call Experiana nd they hang up on me, XXXX could care less abiut consumers. I ahve not been able to get a copy of my report since being denied a job or credit. I have things on my report that should not be on there. I missed out on two jobs because of this system, company and their mistakes and not having the ability to dispute anything also with Experian..The three items that should NOT be on my report as they have been paid in FULL are - '' XXXX is with XXXX XXXX   balance is showing {$1100.00}, XXXX XXXX XXXX  with XXXX XXXX XXXX {$28.00} , XXXX XXXX showing {$150.00} owed, which was Paid in full by insurance company XXXX. Then also XXXX XXXX balance was PAID IN full amount $ XXXX..I should not have to call in or try to every month to egt these off that should not be on there..I have been fighting these items for over one to two years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Credit Card Services conducted an unauthorized credit check when my wife added me to an existing account. I received my credit card today and discovered that my social security number and phone number is not associated with this account but there was a hit to my credit score on the day that I was added to the account. Under this scenario my credit score was reduced due to this unauthorized inquiry but I have no way to redeem my credit score since XXXX will not be reporting the on-time payments that I make on behalf of my wife ( primary card holder ). I am responsible for paying the family bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Locked my account XX/XX/XXXX for claiming I mailed them a fraudulent check and would not allow me to close my account or receive my money. I spoke to over 10 representatives between phone calls, in person ( XXXX XXXX Branch ), and in chat - none of who knew the issue or could/would help. Though nobody knew anything, I was regularly given the date " XXXX '' to call back and my account could be closed. I called back XXXX, and was told to call back XXXX. I called back XXXX, and was told I had to go to a branch. I went to a branch, and the Representative - XXXX - said that was very odd and assisted in re-verifying my info and would follow up that afternoon. He did not, and I filed a complaint with the CFPB. It wasn't until several days later he insisted on calling instead of email to tell me my account was being closed that day and I'd have a check next week. 

In this time, I received an official letter from Citi in response to my CFPB claim stating if no action was taken, my account would be automatically reviewed and closed on XX/XX/XXXX. 

My account was never closed, and that check never came. 

Before I left the country, I called Citi one more time and also emailed XXXX to help close my account while I was travelling, hoping I would have my own money back. I returned, and none of this had happened, and nobody would assist me in doing it. It is now XXXX, and Citi has constantly lied to me on my closing dates and is holding my money hostage - completely unwilling to do anything to make it right. I have never even heard of worse customer service in my life, and nor has anyone I told.

I'm now forced to carry large balances on my credit cards because nearly all the money I tried to open my checking account with was used for my living expenses such as rent, food, and electricity. This has caused me an immense amount of stress and costs since I have no cash to pay my bills. Citi has lied to me on numerous occasions - one in writing - that they would refund my money, and their reps constantly pass me around their call center or don't understand the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ON XX/XX/2018 I submitted a complaint to CFPB in regards to incorrect reporting of my student loans by all of the 3 credit reporting agencies. XXXX responded to the CFPB, investigated and made a number of corrections, deletions etc to my credit report. It is not 100 % accurate but it is closer to the truth.

Experian and XXXX sent the standard " we will investigate and get back to you responses '' That was almost 120 days ago. They did not add any additional information to the CFPB complaint nor did they investigate or they would have found that the same thing that XXXX did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advantage Collection Professionals, Inc.
State: MN

Complaint narrative:
I received a call at XXXX on XX/XX/2018 from Advantage Collection Pros at my place of employment. I politely asked if she would not call me on my job. She told me I have a bill of XXXX (? ) and I told her it would come out of my account on Friday and please not call my job, please send me correspondence, she said : we did, in XXXX. I said again, please dont call me at work and she said I will call until the bill is paid and hung up on me. 
This upset me that she was so rude and just hung up! I called the company back at XXXX on XX/XX/2018 and I spoke with somebody and she said that my account indicates not to be contacted at work. I asked her to review the conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
NATIONAL CREDIT SYSTEMS XXXX. XXXX XXXX XXXX, GA XXXX Is reporting and unknown debt of {$4500.00} wolfcreek appartments to all 3 major credit bureaus in an attempt to collect a debt. I didn't receive any 30 day notification to of debt collection prior to reporting it in order to dispute it according to my rights under the FDCPA. Debt Collection Agencies are required to notify me by mail at a current address 30 prior to validating the debt. This is not and acknowledgment of this unknown debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On XX/XX/2018 and XX/XX/2018 per Fair Debt Collection Practice Act, Section 809 Title 15 U.S.C. 1692 request Portfolio Recovery Associates validation of this alleged debt. PRA claimed they validated this account. I never been notified of this collection, I had to pull my credit report and found this collection on my report. I submit a complain with CFPB about the company not validating account. PRA state they have no record of a response or a dispute being received in relation to its initial notification letter. I sent two validation letter and they didn't sent a respond within the 30 days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/18 I notified HSBC via their Bank Mail service that a check had been honored on XX/XX/18 that was not written or signed by either myself or my wife. The check image ( attached ) on the website was blank except for the amount of {$40.00} that had been paid. 
I do not know how this check came into someone's possession that enabled them to present it, but I consider this to be a criminal act. 
Clearly it should never have been accepted by either of the financial institutions that processed it. 
HSBC 's response ( attached ) was not even understandable as English. 
I also telephoned the check fraud department whose only response was to tell me I should visit a branch to close the account and open a new one. 
I wrote to HSBC customer service on XX/XX/18 ( letter attached ) and have received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, acct. no.XXXX  is wrongfully appearing on my EXPERIAN XXXX  AND XXXX credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX  has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX., acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I am trying to close a Bank of America Credit Card. There is no way to do so through the website. When I called the customer service number on the back of my card, I was on hold for 55 minutes before a rep answered. I was then transferred to a different rep who could not resolve my issue. 

Furthermore, I had signed up for recurring payments. I canceled recurring payments several times beginning three months ago. Bank of America continues to withdraw {$400.00} per month including on XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-08 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: GA

Complaint narrative:
TransUnion is reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to the credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. TransUnion concluded that the public record items were obtained from local, state and federal courts through a third party vendor XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My account was charged 5 times by a company XXXX XXXX. I only authorized them to charge once. I reported this timely to American Express within 60 days, American Express refuses to remove from account without any basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I have 11 inquiries on my report that are a result of ID theft. All these inquires showed on on my report in XX/XX/XXXX with out my knowledge or consent. I need to have these items removed immediately. I have file complaints with the FTC and local law enforcement in relation to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: NH

Complaint narrative:
This is regarding Ford Motor Credit. I do not, nor have i ever, had a loan with this company. I have been repeatedly receiving calls on my landline as early as XXXX XXXX  and as late as XXXX XXXX. The messages are cut off and only a mechanical number saying the same telephone number twice. This had been going on all of XX/XX/2018 it seemed. I must leave my phone on because of my mother 's poor health, but don't answer if I don't recognize the number. I'm at work about XXXX hours a day, but when I get home there are numerous messages, all the same from this same number XXXX. The message asks for a call back to XXXX. No place in the message does the call ID who is calling. It became such a nuisance that I called to ask who was calling. First the recording I received asked for my SS #. I did NOT type it in, but when I finally made my way through prompts and spoke with a person, the matter was supposed to have been cleared up. I had phoned from my cell and did give my name. Two days later, I received messages on my CELL phone and also then my email! When I called back, I was very upset, and asked to speak to a supervisor. This next person " XXXX, '' tried to get additional personal information from me. When I would not give it he told me he couldn't help me and would not transfer me to a supervisor. I have just checked my credit reports as I feared identity theft. NO Ford Motor Credit charges appeared. Please help me make this harassment stop. They now are using my landline, cell and email to harass me. And I have NO LOAN with them! In fact I have NO auto loan at all!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: AL

Complaint narrative:
On Monday XX/XX/XXXX, these people called me 5 times. I called them back and told them they would be paid and to stop harassing me or I would contact the CFPB. They said they dont know who CFPB is and that the only way they will stop is if I pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient, formerly Sallie Mae has several missteps within my loan process. When signing the loan, I was notified that having a cosigner would significantly reduce interest. Upon signing the loan, the interest rate was reverted back to the pre cosigner percentage. In XX/XX/XXXX we contacted navient to correct this issue and we're notified that wasn't the case and we were locked into the rate we had. Which is variable, not the low fixed rate as discussed. Moving through to repayment, immediately after graduation I was notified forbareance was my only option when. Struggling to make payments. This was XX/XX/XXXX. After the forbareance period, my loan pricipal balance was inflated to double the original loan amount. After 10 years of repayment, my balance is still over the original loan balances. Being more knowledgeable now about the student loan practices of navient I have discovered many options were available to me for both my public and private loans. This means, my current student loans would be either completed or within 5 years of being paid off rather then the 11 I currently have. I have payment the entired Original balance of my loans and not paying the accrued interest due to mispractices and mis represenations of repayment options and interest rates. In XX/XX/XXXX, I contacted navient for copies of my original loan docs as well as signed promissory note, which the request was denied, further complicating and creating duress on my relationship with the company. They have never been helpful or willing to assist in any Information gathering to allow me to understand the interest rate/cosigner discount that was marketed prior to taking the loan.

Company response to consumer: Closed with explanation