vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-23 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: CA

Complaint narrative:
I contacted Transunion and requested all these unauthorized inquiries on my credit report to be removed customer service would not help me on this matter and stated that i am at fault that theres nothing they can do. I am requesting to have my inquires deleted from my credit reportXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( ( unauthorized ) XXXX/XXXX/XXXX XXXX ( ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXXXXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX-XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXXXXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/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
Consumer complaint received 2017-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

XXXX. They recently bought my mortgage from XXXX Address added that I have no connection with is .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank, the original creditor of Gap credit card sold an " unknown '' old debt to a debt collector XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ). I closed this account in XX/XX/XXXX, when my filing of divorce with my Ex wife, for what I believed that this debt was paid off, I called Gap card and they told me it 's XXXX balance. 
My reason for protesting is, Im not convinced that this is not a fraudulent charge. Ive been harassed by collectors at work, still dont know if their claim is valid or not. My understanding is, they should not be contacting me at work. These days, its hard to just believe or accept such claims, due to advanced technologies, many are false. Im still questioning the validity and amount. 

XXXX turned it over the XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They wo n't answer phone calls. I want to tell them that I do n't know anything about this debt. Before it was turned over to them. I received a call at my work place telling me to give the phone to my employer and I will be called or summoned to appear at court. It is illegal for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to threatened me like that and calling me sometimes after XXXX. Nowadays, you wo n't just accept or believe a phone call or a letter through the mail that someone is claiming that you owe them. XXXX XXXX  sent me some copies of proof of debt and I do n't even know the address that was indicated in the bill and it 's not even my address.. Obviously, someone used the credit card in the past. I closed the card in XX/XX/XXXX and all of a sudden they called me early this year XX/XX/XXXX to tell me that I owe them. After 5 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 2017-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I am an XXXX veteran. I received notification from the American Education Services/AES on XXXX XXXX XXXX, indicating my request for Direct Debit was approved on the following loans. My account number is XXXX. 

1 ) I was to pay {$35.00} a month for 160 months ( expected payoff XXXX/XXXX/XXXX ) on balance {$32000.00} ( interest rate 4.5 % ). This figure included late fees and unpaid interest 2 ) I was to pay {$22.00} a month for 151 months ( expected payoff XXXX ) on balance {$20000.00} ( interest rate 4.5 % ). This figure included late fees and unpaid interest I was also to pay an additional amount of {$66.00} for a total of {$120.00}. I have not missed a payment since the first payment was due on XXXX XXXX XXXXXXXX AES notified Pennsylvania Higher Education Assistance Agency ( PHEAA ) to assume responsibility indicating I defaulted on the loan and that was not true. Apparently my current owner at the time was XXXX XXXX, which has been involved in misallocating student payments. PHEAA is demanding I pay the loan in full immediately. I have submitted documentation, my bank has submitted documentation to PHEAA indicating I have not missed a payment. I no longer have access to my student loans via AES or PHEAA. I was told I would have to refinance and I refused since I was complying with the payment plan. It appears, PHEAA refinanced my loans without my permission for a larger amount adding some type of fee. I continue to make payments via my credit union, these are automated payments. I have submitted several letters to PHEAA and they simply state I failed to submit the appropriate documentation and that is not try. I need assistance on this matter. I am not sure who or what company is behind this matter. Thank you~XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
XXXX cable company falsely charged me $ XXXXfor service I did n't have and sold the debt to Credit Management. The matter was resolved on XX/XX/XXXX by XXXX a customer escalation specialists. Credit management was informed in XXXX by myself and XXXX. In XXXX they began to report that the debt was originally {$640.00} and is now {$75.00}. This is a month after the matter was resolved and they were contacted by both parties. The debt was disputed and they stating its accurate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
During Equifax 's data breach, my social security, driver 's license, and credit history was taken. All information that was taken could be used to remove freezes from my financial accounts, gain access to my financial, and impact me for the rest of my life. 

They then tried to take away my ability to seek legal counsel or pursue this through lawyers, after their top CEOs made XXXX XXXX dollars and waited 40 days to release the breech. They then attempted to extort people to know if they have been breech. They then collaborated with other credit reporting agencies and third party services, such as XXXX XXXX, to charge their victims for their failure to protect data we did not want them to collect. 

They continue to try to extort me for money to secure my financial information by attempting to charge me for services to monitor my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
I made my Coinbase account when I was in the XXXX and used it there for a couple of months before moving to XXXX XXXX. Throughout the past couple of months, I 've been using the Coinbase app, but when I wanted to sign in using my laptop on XX/XX/XXXX, I was told to verify my account with my ID. Since I do not hold my XXXX phone number anymore, I had to change my phone number to access my account. That went well. However, as soon as I submitted my ID, my account was XXXX. I contacted Coinbase twice, and I have not yet received any information regarding my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I have contacted Equifax many times by phone and email in the past 2 years to get my credit report accurate and up to date, my call goes to the XXXX because there are apparently no customer service offices in the United States, as a result my phone company also charges me for the calls even though it 's an XXXX prefix! 

My next problem is that when or if they actually do remove something it comes back again and again even though I have already paid it off. They also use two different names for the same company that they say that I owe money to even though I have been making monthly payments for almost 2 years on the account!
I also have at least 9 hard inquiries that I did not authorize and every time I have asked Equifax to remove them because I did n't authorize them they do n't do it! 

There is also an account called XXXXXXXX XXXX XXXX Info that was reported in XXXX of XXXX. It does n't say what it is or anything else, the amount supposedly owed by me is {$1.00}, XXXX. If it 's the tax lien that keeps showing up on my report that I have disputed several times, that was paid off in XXXX of XXXX when I sold my home. I have told them about it again and again and yet it 's still on my credit report! I need to know what this is ... this is very frustrating when you are a very hardworking tax payer and you do everything that you are supposed to do and yet it is n't done right by the people who are supposed to be correcting it! Please help me to get my credits reports corrected in a timely and accurate manner, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute with Equifax back in XXXX XXXX. Regarding the misinformation XXXX XXXX is reporting on my credit report. I also sent proof to Equifax that my XXXX XXXX account went into payment default back in XXXX XXXX never regaining a current status. Until the account chargedoff in XXXX XXXX. The account has now passed its 7 year mark and needs to be deleted. XXXX XXXX XXXX is reporting that a payment was made in XXXX XXXX after the chargeoff date. I sent Equifax proof from XXXX XXXX, that payment was a refund check sent from the dealer. Not the account holder as they are reporting. Equifax has failed to investigate this matter accurately. Even after sending them proof of the inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax mismanaged, misused, negligently, and, perhaps even unlawfully, exposed my personal, biographical, and credit information without my consent. 

While I understand Equifax itself was a " victim '' in the hack too, Equifax 's confounding and belated response and incompetent security measures means its problems were largely self inflicted. 

Indeed, imagine the depravity and gall of a man who XXXX XXXX XXXX then complains after the fact about being an XXXX ; this is the situation Equifax finds itself in. 

Moreover, Equifax had the brazen boldness to charge me a fee to freeze my credit file. Why should Equifax profit from its incompetence?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX/XXXX/XXXX I discovered XXXX XXXX, XXXX has been re-inserted into my credit file after being removed. I was not notified within XXXX XXXX XXXX XXXX days of re-inserting a previously deleted item. I did not receive any such notification. 
This account was reported on XXXX/XXXX/XXXX to Better Business Bureau and it was removed from credit report after results of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
NCB Management Services , Inc. sent me a legal document stating that I am being sued. I have no signed contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On or about XXXX, Bank of America fraudulently induced me to open a XXXX account without disclosing that if the account dropped below {$300.00}, a {$5.00} fee would be incurred. I only signed documents and received disclosure forms for opening a checking account. When I confronted the branch about the fee and asked for proof that I was provided knowledge of and consented to the {$5.00} fee, I was shown a document that contained a fraudulent signature. I believe in an effort to convince me to open a XXXX account, BOA intentionally concealed information concerning the fee and falsified documents. Please provide to CFPB the signed documents associated with the opening of my savings and checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. XXXX 3. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax incorrectly lists an account closed ( circa 2007 ) as active ( XXXX XXXX ). 

When I followed its instructions to dispute incorrect information, the site tells me : " Service temporarily unavailable The service youre requesting is unavailable due to system maintenance. We apologize for any inconvenience. Well be back up and running as soon as possible. In the meantime, you may submit your request by mail along with any supporting documents to XXXX XXXX XXXX, XXXX, GA XXXX. You may also call XXXX including to request a copy of the results of any completed credit file dispute. 

Thank you for your patience! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Complaint Information : The mortgage payments on my loan serviced by Capital One, N.A. account are paid through XX/XX/XXXX. I am due for the XX/XX/XXXX payment. However, servicer is reporting payment is due for XX/XX/XXXX. Misapplied payment on my mortgage account which the servicer refuses to
research & correct. Background Information : I
filed for Chapter XXXX Bankruptcy Protection on XX/XX/XXXX which was discharged on XX/XX/XXXX ; full PITI mortgage payments were made every month. Capital One, NA failed to record payments made on the date ( s ) received, but placed them in an escrow account resulting in an account history that is incorrect and useless. Capital One, N/A would allow the account to appear severely delinquent then post a lump sum to the balance ( after 3-4 months of holding the payments in suspense ) resulting in the payments being misapplied. I received no monthly statements during the 5 years in bankruptcy therefore I was not aware of this issue. During the reconciliation of my bankruptcy case prior to discharge, Capital One [ XXXX XXXX, XXXX  XXXX ] falsely reported my mortgage loan was severely delinquent in the amount of {$4400.00} to the bankruptcy trustees office on XX/XX/XXXX. 

Attempts to resolve issue : I began attempting to work with Capital One, N.A in XX/XX/XXXX but they will not respond. During several calls to them, I was told my file was assigned to the research department, being handled by an individual by the name of XXXX, who has consistently stated he would get back to me but has never responded. On XX/XX/XXXX a qualified written response was sent to Capital One, N.A. ; which was delivered on XX/XX/XXXX ( according to the U.S. Postal Services tracking receipt ). As of today, XX/XX/XXXX, Capital One has failed to acknowledge receipt of my complaint or respond  under the RESPA and has violated my rights as a consumer under this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
When I signed up for an American Express card, I was told over the phone that the annual interest rate would be 16.99 %. On XXXX XXXX, XXXX, I was charged approximately {$36.00} dollars in interest in two separate interest charges, an amount that seems significantly higher than what should be, according to the original terms. Despite my multiple requests, American Express representatives who I contacted on XXXX XXXX, XXXX refused my request of a formal audit, not only to look at this calculation, but other months in which I may have been overcharged. The refusal to investigate further leads me to suspect that there may be other aspects of this that are unfair or in violation of laws. Can you audit my American Express account since they refuse to?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: U.S. BANCORP
State: OH

Complaint narrative:
On XXXX XXXX, XXXX I applied for a credit card ( XXXX XXXX ) with US Bank. I was notified by US Bank that they were unable to obtain my XXXX credit report. On XXXX XXXX, XXXX I contacted US Bank and informed the bank that my credit report with XXXX had been acquired after speaking directly with XXXX. I requested that US Bank withdraw my application. On XXXX XXXX, XXXX I went to a local US Bank branch and spoke with a banking XXXX who contacted US Bank 's XXXX department regarding several hard pull inquiries on my XXXX credit report by US Bank. On XXXX XXXX, XXXX I applied for a credit card ( XXXX XXXX ) with US Bank. I was notified by US Bank. I was notified by US Bank that they were unable to obtain my XXXX credit report. I contacted XXXX who indicated they US Bank was in fact provided my full XXXX credit report resulting in hard pull inquiries on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in conjunction with these two credit card applications. XXXX stated that I would have to dispute the information directly with US Bank ; however, US Bank stated that I would have to initiate a dispute with XXXX. Unfortunately, XXXX does n't have a mechanism to dispute inquiries. I have made several attempts to resolve this with US Bank and XXXX to no avail.

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