vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-21 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: Security Credit Services, LLC
State: NY

Complaint narrative:
I pulled my credit report and saw two entries for the same company Security Credit ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. 

One entry was for a collection account of {$910.00} and another same company for {$1100.00}. I tried to contact on the company on XXXX/XXXX/XXXX and they told me that I was well aware of what the debt was for and that they needed my ssn and my current work location. I refused and told them to remove this erroneous entry, was put on hold for 23 minutes, when i finally hung up. 
I haveno idea what this collection debt is and I want it removed from my report immediately. I am a XXXX XXXX XXXX veteran and I am trying to buy my first home within the next 15 months and this false entry is really hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was given a " XXXX XXXX Debit gift card '' as a XXXX gift in XX/XX/XXXX. I did not try to use the card until recently in the first week of XX/XX/XXXX. I went online to register the gift card online as instructed on the back of the card. I discovered that fraudulent charges were applied to my card, which was surprising because the card had been in my possession the whole time. 
I immediately called customer service ( XXXX XXXX XXXX XXXX XXXX ) to inform the company and file a dispute in order to get the funds returned to my card. However, each time I called the company I was given different information as to what I needed to fax over and each time I faxed documents over I was told that those faxes had not been received and I needed to fax additional documents. ( See Attachments ) After the third call to them I was told that my account was closed because I did n't call within the 120 days from the first fraudulent charge. However, there was nothing in the advertisement that stated this but in order to get some consideration I must send another fax requesting the Letter of Consideration. In the end, I am constantly given the run around, always with different and various instructions. It is as if they were hoping that I will finally give up from frustrations of consistently getting the " run around.

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 2017-12-21 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: CITIBANK, N.A.
State: CO

Complaint narrative:
On XXXX XXXX XXXX, my wife received a letter in the mail from Citibank. The letter was addressed to my wife 's " estate '' and referred to her as " the decedent. '' The letter included a check for {$7.00} as " a refund ... for certain fees previously billed to the decedent 's account for a debt protection program. '' My wife is not deceased. She is in very good health. Moreover, my wife does not have, nor has she ever had, a credit card or any other account with Citibank. My mother, with whom my wife and I share a mailing address, does have a Citibank card. I have a card in my own name on the same account as my mother. However, the account number stated on the letter does not match the number of the account I share with my mother.

My wife and I are concerned that one of three possibilities may be true : Either that ( 1 ) this letter may be part of an illegal effort by a third party to defraud my wife, or that ( 2 ) this letter may be  evidence of identity theft wherein another party has opened a Citibank account in my wife 's name, or that ( 3 ) this letter may be evidence of illegal activity on the part of Citibank wherein Citibank has opened an account in my wife 's name without her knowledge. 

My wife has asked me to help her by contacting appropriate government authorities on her behalf. I consider myself to be a party to this incident because any financial liability incurred by my wife affects our family as a whole.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: OK

Complaint narrative:
I am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification Equifax and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and Experian and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
My identity was stolen in XXXX XXXX. As a result, several fraudulent accounts were opened up in my name, fake business names and my maiden name ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 
I retained the services of XXXX to restore many of them. i also filed a XXXX report as well as police reports on all fraudulent account activity. i also had to freeze my credit files at XXXX, XXXX and XXXX. So i am wondering how Barclays Bank could accept an application by a fraudulent identity thief at all on XXXX XXXX. My files are all frozen. i spoke to someone today and they will not close the accounts. they referenced this number : XXXX the phone number they provided me at XXXX was XXXX. 

i want any applications denied and closed as i have not nor did not apply for any banking product, loan product or service with Barclay Bank of Delaware. I also want to know how someone can submit an application to this bank when the real person 's credit files are frozen?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Theres present accounts reflecting as open that Are not suppose to be on my account. Creditor insured it would be taken off. It is still reflecting negatively on my credit and should not be there and is also listed as an open revolving account. I have no knowledge of this. I did not approve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: NY

Complaint narrative:
Theres present accounts reflecting as open that Are not suppose to be on my account. Creditor insured it would be taken off. It is still reflecting negatively on my credit and should not be there and is also listed as an open revolving account. I have no knowledge of this. I did not approve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient had added late fees to my account, dating back, supposedly, from XXXX. Each month a bill was sent, there were no fees and I paid what my bill stated. I paid on time, and then suddenly I had late fees on my account. I looked back over my entire payment history, and a late fee from XXXX had been paid, but somehow was assessed. There had been no other late fees after that. I raised my concern with a customer service rep, and when she said she could not help, I asked to speak with a supervisor. The supervisor never picked up my call, and instead left the customer service rep to deal with my complaint. I asked multiple times to speak with a supervisor, and after each request she went to try and reach her supervisor. The supervisor never took my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-21 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: CA

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT. WHEN I FOUND OUT ABOUT THE IDENTITY THEFT, SOMEONE HAD USED MY PERSONAL INFORMATION TO OBTAIN CREDIT AND UNSECURED LOANS. I HAVE FILED A POLICE REPORT AND FTC REPORT WHICH WAS SENT TO ORIGINAL CREDITOR ( XXXX XXXX ) AND ALL 3 MAJOR CREDIT REPORTING AGENCIES. XXXX AND XXXX HAVE BOTH REMOVED ALL ACCOUNTS WHICH WAS OPENED BY IDENTITY THEFT PERSON. I HAVE SUBMITTED 3 DIFFERENT DISPUTED WITH EQUIFAX WITH NO RESOLUTION. I AM IN PROCESS OF REFINANCING MY HOME WHICH I AM NOT ABLE TO QUALIFY DUE TO EQUIFAX IGNORING MY DISPUTES. THIS HAS PUT ME IN A VERY BAD POSITION AND HAS CAUSED ME MENTAL ANXIETY AND LOSS OF INCOME BECAUSE I AM NOT ABLE TO COMPLETE MY REFINANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: EOS Holdings, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I wrote to the company informing them that they have listed a collection on my account that is not mine. I asked the company to remove the information on my credit reports and I have not received a response from them. This item on my credit reports is inaccurate and damaging my credit. I understand that when you dispute an item on your credit reports the company needs to comply within 30 days. This company has not complied to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Account Recovery Service, Inc. (WI)
State: FL

Complaint narrative:
No amount was given to me that I owed because they wanted me to verify my social security number and I refused. I requested a written notification and he yelled that one had already been sent but I never received one. We have asked that they stop calling and the guy called twice after and left a voice message. Then we received a call from a XXXX XXXX threatening to have someone knock on our door and serve us papers.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have tried to get this resolved with Experian for quite sometime. They are violating my rights under the FCRA. They have 2 southern ct gas companies listed that are n't mine. One for {$87.00} and another for {$1600.00}. What they do is put in no data at first then they 'll update it to 150 days late, then closed, and put it back as okay or open as if I 've been doing activity on the accounts which i have not. These accounts are not mine. I do n't agree with any of it including the amount. I do n't have utilities in my name. I have also put a fraud alert on my reports. I also do n't have an account/contract with credit control services. Once again they claimed to verify this account but in my complaint against them through your file number XXXX they stated that they could not find any file under my name. So how are they verifying this once again? Does an actual person investigate as they are supposed to under the rules of the FCRA? I do n't think so. The address of XXXX XXXX XXXX XXXX is also not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: FL

Complaint narrative:
I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Refinanced my XXXX XXXX XXXX HELOC on XXXX XXXX with PNC. XXXX XXXX XXXX informed me of a missing XXXX payment. I followed up with boA and explained it was refinanced in XXXX and paid in full and as a result no XXXX payment is due. XXXX  informed me that they received the payoff check from PNC and it was {$100.00} XXXX est ) short so they returned the check to PNC on XXXX XXXX. I called PNC, XXXX the supervisor of the LO I worked with ( XXXX XXXX NMLS # XXXX ) apologized and took full responsibility of the error because she confirmed that she can see in XXXX 's email that the Check was returned and " unlike XXXX 's usual work practices '', XXXX failed to follow up or address the issue and ignored it. XXXX apologized profusely and told me she can not help me get XXXX to reverse the XXXX on my credit report but that she would give me an additional .25 % off my interest rate. I called XXXX and was ensured that due to the mishap, no XXXX would be submitted to the credit bureaus with my promise to pay. On XXXX XXXX I started receiving emails from XXXX that my credit report now had a XXXX. As a consumer I did my part and my credit score is being affected due to the errors of other i.e. PNC Bank. Please help me get this late payment removed from my credit report as it was clearly not my error but the error of a financial institution who was negligent in their normal course of business. In speaking with XXXX, she assured me that PNC takes full responsibility for the error. I also spoke to XXXX XXXX XXXX XXXX direct ) in the escalation department on XXXX XXXX. As of XXXX XXXX, XXXX XXXX has yet to respond to an email or voice mail of mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a XXXX lateness on my account from XXXX to XXXX. The issue I have with capitalone was that I was not notified of my outstanding balance on this account. The only reason I got to it 60 days late was that I decided to log in to capitalone 's online website and saw that there was a balance. I immediately set up payment arrangement for XXXX, XXXX and XXXX and paid off the balance. Normally I get notified through text or email which I had previously set up in the online alerts section of their website but because of an error in their system I did n't receive those alerts. Because of the error I disputed the lateness with capitalone. After going back and forth with them several times through letters I wrote the company they still have not complied with my request. I have had this account open and in good standing for almost 5 years now and have never once missed a payment.

Company response to consumer: Closed with explanation