vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Was informed by the creditor that XXXX closed one of my credit cards that was in good standing, never made a late payment and the balanced was paid. Was not given notice or the choice to decide to close the account or not. I did not want my account closed. 

Called the creditor they stated that XXXX decided to close the account. Called XXXX and they said they can not make those decisions. The creditor did not give a reason to close the account other than it was XXXX. No legitimate reason was given to close this account that was in good standing.

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 2018-10-17 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: AZ

Complaint narrative:
My XXXX XXXX XXXX account # : XXXX, dont have a balance of {$230.00}. I currently have a balance of {$0.00}, My XXXX DC # : XXXX, dont have a balance of {$290.00}. I currently have a balance of {$0.00}. The following credit inquiries are fraudulent, unauthorized and not mine : XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/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 2018-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
In XX/XX/2010 I had a ambulance ride to XXXX hospital. They mailed my bill to the wrong address and I could not submit it to my health insurance to be covered. They sent the bill to a debt collector called XXXX XXXX XXXX. This company was horribly managed and was almost impossible to communicate with or even get ahold of. After many months of trying to reach them to work out a payment plan I was finally able to get ahold of them and agreed to pay {$50.00} a month. I paid {$50.00} a month up until the Attorney General of Colorado shut them down for fraud. It appears they sold off the debt to Wakefield & Associates before officially closing doors. A quick XXXX search will confirm exactly how shady this company was if you had any doubts.

After my debt was sold to Wakefield & Associates. They went to court without my approval or knowledge and achieved wage garnishment for an amount that is almost double of my original bill. My summer employer XXXX agreed to the wage garnishment and has took % 25 of my paychecks this year.

The Debt is well past the Statue of limitation for a medical debt, Which is 3 years in the state of Colorado. It is also illegal to collect on a debt that has been collected upon through wage garnishment. 
Received an issue to go to the court within 14 days to get an appeal from the clerk, and could use help in removing this debt from my record.

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 2018-10-17 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: MN

Complaint narrative:
XXXX XXXXXXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX 2 on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.

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 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
During my purchase of my home in 2017 I had a collection from XXXX XXXX from XX/XX/XXXX Acct # XXXX I paid it in full and received a letter from Commercial Trade INC stating it was paid and removed, shortly after CTB added a new account from XXXX XXXX effective XX/XX/2017 a month after I paid my account. The new amount is for {$1500.00} stating I owe more. I have proof on my credit reports and the letter that I never owed CTB or XXXX XXXX  this amount and that my collections from them was paid and removed. I tried to talk to CTB several times they have belittled my requests and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I sold my card and deposited 2 large checks at my bank of America checking account on XXXX not deposit hold was placed on either of checks at the time of deposit. there was no hold on my account either on XXXX XXXX and XXXX. On XX/XX/XXXX I called my auto loan company which is XXXXXXXX XXXX and asked them to go ahead and do a ach on my account for the total amount, later on that evening on XXXX a deposit hold was placed on my deposits for XXXX and XXXX for the entire amount for 10 days. I called and called and called but my plea to release the funds got no where with bank of America. I even had the check verified by the paying bank to bank of america manager Ms. XXXX I was told that bofa employees have no ability to release any holds on accounts. I even filed a complaint on their website and on XXXX I got a call from the executive office and lady named XXXX stated that she might be able to help. She stated as she sees that the ach is pending for the amount of {$7600.00} from XXXX she will make an exception and release part of the funds so that the payment does not get returned. The other funds were still held by the bank until the XXXX. 

I have never seen anything like this and it is a mal practice and fraud from the bank to hold customers funds after making them available for 3 business days and then placing a hold on them. It was a night mare for me and my family for not to have funds that entire week.

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 2018-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I enrolled in the Public Service Loan Forgiveness Program and have been making payments for approximately 8 years. I just found out I was on the wrong repayment plan so only 3 years of my payments have counted toward the program. I asked for an adjustment and they lowered the number of qualifying payments I had!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Everest Receivable Services Inc.
State: PA

Complaint narrative:
On XX/XX/2018 Everest Inc contacted my husband about an ATV loan. In the beginning of the call the 1st representative asked personal questions but refused to tell him the nature of the call. She wanted specific detailed info about our son who cosigned the loan. After getting frustrated with the woman my husband gave the phone to me. She finally said who she was calling for an why. She said the amount due given to them from XXXX was over {$9000.00}. I explained that that couldnt be correct because we put a significant down payment on the atv and financed around {$10000.00}. They were showing only a few payments made when in fact we have paid over {$3500.00} this year to a different collection agency. They accused me of lying because I couldnt provide the exact details over the phone. She then put her supervisor on the phone and his name was XXXX. He explained to me that this was the correct amount and nothing I said to him made him willing to open a dispute. He refused to send us any documents they have showing the balance and payments and wanted me to provide proof right then and there that we had paid more on the account. He also threatened us with legal action if we didnt pay {$5000.00} today. We arent in a position to do that and offered to pay {$200.00} over the next few months until XXXX when we could pay the loan off. He refused to entertain that notion and instructed me that I could not call the orig ial creditor for this account anymore. He was verbally abusive and threatening and tried collecting an incorrect amount under duress. We have bank statements showing what we have paid and the account should be around {$6500.00}. They have called my sons hundreds of times and threatened him to be arrested if he didnt pay and they have called my husbands phone 100s of times while he is at work. No amount of telling them to stop will work and when you do they threaten you with arrest or legal action.

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 2018-10-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
If I am under student loan forgiveness why is my credit score and report is showing different Pulled my credit report from XXXX XXXX and it is showing I owe XXXX in loans and I have not graduated or completed my degree. I am having a hard time living in my own skin. I am so exhausted. I also have been a victim of credit reporting and social security number fraud. The credit bureaus all three has been hacked and I numerous phone calls from companies I never heard of. My information has been sold to different companies I am not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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:
I disputed a medical bill from XXXX XXXX XXXX on XXXX and Equifax credit reporting agency because I don't recall owing that debt, the medical bill was removed from XXXX but not from Equifax to date which is negatively impacting my credit score. Amount : {$110.00} and original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: NV

Complaint narrative:
I had a temporarily suspended license due to a traffic ticket. It has been cleared with the justice court of XXXX, but the DMV hasn't updated their information and it is still pulling suspended when my license is no longer suspended. DMV told me it will clear, but it may take a few weeks because it was their mistake. I have a copy of a clearance letter from the justice court saying my license is not suspended. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lloyd & McDaniel, PLC
State: TN

Complaint narrative:
I have been summoned to court by this law firm. I have requested debt validation and when I called to speak with the lawyer about a settlement on XX/XX/2018 at XXXX Central I was speaking with someone who could not help me. She explained that my file was locked and she could do nothing about it. I explained that I understand the policy but can I then speak to the attorney handling the case. She said that she could transfer me to a manager. I explained that I wanted to speak to an attorney, I asked if she worked for the law firm and could she just transfer me to an attorney. She then transferred me to a " manager '' that is just a voice mail. So far I have had no chance to communicate with the actual attorney handling my case and have been passed around call centers acting as the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2018 Background : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, MA. XXXX ( XXXX ) XXXX Applied for a XXXX XXXX job. No idea when he applied for it. ( Have applied for roughly 70 jobs. ) On XX/XX/XXXX, XXXX received an email stating that his application for a XXXX XXXX position had been received. 
On XX/XX/2018, received a cashiers check in the mail. The check was from a XXXX XXXXXXXX XXXX. Didnt recognize the address ; didnt recognize the person ; didnt remember what it was from. 
On XX/XX/XXXX, Went to the Santander Bank on XXXX XXXX XXXX XXXX XXXX to ask if the check was good. Went to a teller a female and asked, Is there any way you can check if this is any good? I received this check today in the mail and I dont even know who its from. The teller took out a magic marker ; and wrote on the check ( later I was to learn from XXXX XXXX that she wrote her initials on the check XXXX }. Teller said yes the check is good with a smile, indicating to me that the cashiers check was legitimate. 
On XX/XX/XXXX, received email instructions, you were emailed by an XXXX XXXX. His email address was XXXX. asking if XXXX had received the payment. 
On XX/XX/XXXX, received an email from XXXX saying keep me posted. 
On XX/XX/XXXX, received an email from XXXX saying go to XXXX, purchase an item of clothing under {$30.00}, and XXXX, 5 gift cards each for {$500.00}. 
On XX/XX/XXXX, received email from XXXX saying Please send back pictures of the cards. 
On XX/XX/XXXX, XXXX sends email asking to fill out feedback report. 
On XX/XX/XXXX, email from XXXX says youre doing good work. 
On XX/XX/XXXX, XXXX via email asks XXXX to purchase a cashiers check for {$10.00} from bank. 
On XX/XX/2018, at XXXXXXXX XXXX, Santander Bank contacted XXXX with Service Alert through email to tell him the check was no good. 
On XX/XX/XXXX, went in to the Santander branch and Spoke with XXXX XXXX. XXXX said cashiers check was no good. This was in contradiction to the teller who had earlier indicated it was good and has her initials on the check. XXXX then made a phone call and spoke with someone and said okay, theres nothing we can do about this. 
On XX/XX/XXXX, XXXX contacted XXXX XXXX emails off the XXXX XXXX website and heard back from XXXX XXXX with a phone number, XXXX. 
XXXX has called that number since then many times and there is never an answer On XX/XX/XXXX, we contacted the Massachusetts Attorney Generals asking to call me back. They indicated I should file a police report and contact federal authorities ( FTC and FBI ) .fraudulent checks

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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX 2 on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXXXXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: MN

Complaint narrative:
XXXX XXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX  XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX XXXX on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXXXXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.

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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX  XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXXXXXX XXXX XXXXXXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX XXXXXXXX XXXX Account # XXXX - I have always paid on time, the 120,60 and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.

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