vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-02 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: LEXISNEXIS
State: AZ

Complaint narrative:
LexisNexis is providing invalid information to the credit bureau as well as on my file about a bankruptcy that I don't have. I have requested on XX/XX/2019 for them to verify the validity of the information that is on my file and they have yet to do so. LexisNexis have not given me information for where they have gotten there information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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:
Old information reappears from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
OUTSOURCE RECEIVABLES MGMT continues to report a debt that was involved in fraud and identity theft. They continue to report to credit reporting agencies a debt that was involved in fraud and identity theft. I have given them the valid police report number that they can retrieve from the XXXX XXXX Police department. They failed to retrieve the police report documentation and continue to report the debt. Section 623 FCRA states information has to be 100 % accurate PERIOD and the FURNISHER has to obtain all documentation. Reporting a debt anyways that involves fraud and identity theft to the credit reporting agencies is " willful and direct '' VIOLATION of the laws governed under the FCRA. The information reported has to be 100 % accurate and 100 % veritable. A debt that has a VALID police report investigation that has not been " documented or investigated '' and a debt collector such as OUTSOURCE RECEIVABLES MGMT reporting it anyways to the credit bureaus is the reason I have exercise my RIGHTS under the laws to file a complaint again with the CFPB against this debt collecting agency. 

XXXX Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Once I started to repay my student loans I contacted to discuss options for loan repayment. I was told I qualified for a public service loan forgiveness so I was paying an amount based on my income. I am a XXXX XXXX working for a XXXX XXXX and XXXX. They said that I qualified and had to fill out a paper. I took all the steps I had to to get approved. I even paid {$600.00} to consolidate. Each year I renewed this. For 3-4 years I was making substantially less than my minimum because I was told that after X amount of payments the rest would be forgiven. each year I would speak with someone and re new this public service loan forgiveness plan but I was told something different pretty much every time and know one at Navient could tell me why I was told X. I kept getting the run around but assured that this was the best repayment plan for me. Well I dont qualify for forgiveness plan So here I am 6 years from graduation date and start of my repayment and could be a lot further ahead on my loans than I am all because of false information I was given by the company that handles a large amount of money for me!!! I am basically starting now paying what I shouldve been for the past 6 years! I could be more than half way done but instead Im basically starting fresh and have had 6 more years of interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: NC

Complaint narrative:
I filed a proper dispute on account ( XXXX from XXXX XXXX ) with Trans union. 
TransUnion received the dispute XX/XX/2019. I sent the reporting creditor ( XXXX XXXX ) a request for validation and they received it on XX/XX/2019. I didn't get a reply from XXXX and TransUnion didn't do a proper investigation or properly mark the account in dispute, which, is an FCRA and FACTA violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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:
The following XXXX AZ XXXX XXXX credit card account listed on my XXXX XXXX, Experian and XXXX credit report is lost/stolen and has numerous fraudulent charges on the following Visa Signature credit card : XXXX XXXX, My card is lost/stolen and has fraudulent charges/transactions on the 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 2019-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Multiple phone calls that are pre-recorded advising me to call their number back immediately. Phone calls start early and throughout the weekend day continue with no rhyme or reason. Calling the number back advises their offices are closed and to call a second number, which I will not. The calls just keep coming, over and over. It is quite obvious they are circumventing laws by demanding a call back but instead, route you to a different number than was calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/XXXX. The amount on the Macys XXXX XXXX Account is {$610000.00}. 
Macys was contacted in XXXX that the purchases were fraudalant. The account was closed. For months the account was being investigated and Macys was charging interest fees and late fees. I never received a letter about the investigation or the outcome. Every week I Called speaking to a different person being informed the account was still under investigation. Macys was withholding important information because I was informed there were two individuals given a credit card under my account which I never authorized. Macys refused to give me the names of the individuals that were given the credit card. This amount was placed on my credit report ruining my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: AZ

Complaint narrative:
The following XXXX XXXX XXXX XXXX credit card account listed on my Trans Union, XXXX and XXXX credit report is lost/stolen and has numerous fraudulent charges on the following Visa   Signature credit card : # XXXX, My card is lost/stolen and has fraudulent charges/transactions on the 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 2019-06-02 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: AZ

Complaint narrative:
The following XXXX XXXX XXXX XXXX credit card account listed on my XXXX XXXX, XXXX  and Equifax credit report is lost/stolen and has numerous fraudulent charges on the following Visa Signature credit card : # XXXX, My card is lost/stolen and has fraudulent charges/transactions on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: AZ

Complaint narrative:
The following fraudulent accounts and credit inquiries listed on my Trans Union credit report is fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX MasterCard credit card account, XXXX XXXX XXXX XXXX Visa credit card account, XXXX XXXX XXXX XXXX credit inquiry, XXXX XXXX XXXX XXXX credit inquiry and XXXX XXXX XXXX XXXX credit inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: TN

Complaint narrative:
I received a letter from equifax in XX/XX/XXXX saying, ( XXXX XXXX XXXX turned my name in as being delinquent on a hospital bill by XXXX and something dollars. Sorry not more accurate, but I just threw this information away just a few weeks ago, thinking I had no one to turn to for help. I wrote them and called them several times. My letter began by saying that this woman owes that hospital money. That is not my dispute. My dispute is : that is not my name, or my address, or my birthdate. I sent them written proof of by legal name birthdate and address. I sent them my birth certificate, my driver license and my a copy of my deed to my house. I have not now or ever lived in XXXX. I own my house I have been at my present address, which I own since XX/XX/XXXX. before that I lived at another home I owned. I took them back as long as I have had this last name. Equifax is the one who said that this totally different person was me. Even with proof they refuse to do the right thing. They refuse to take this off my report. Also I just received a letter from them saying for me to go to original source. I did that as well in XX/XX/XXXX. I called the hospital where the bill originated. Finance dept. had absolutely NO problem understanding I am not her. On top of that she informed me that the other woman was not born in XXXX at all. I called equifax back and told them that. It was after that the manager there changed my birthdate to match what they had as hers ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: AZ

Complaint narrative:
The following credit card accounts and child support account listed on my Equifax credit report is fraudulent, unauthorized, not my accounts and dont belong to me : XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$22000.00}, XXXX XXXX XXXX XXXX, {$8600.00}, XXXX XXXX XXXX XXXX, {$950.00} and the XXXX XXXX XXXX, {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Hi, i have never received any information from this company Midwest Recovery until it showed up on my credit report. I have called the number showing with no connection. Even the credit report shows date of open XX/XX/XXXX with status update on XX/XX/XXXX. Midwest recovery has never contacted me by mail, phone, or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/19 my AMEX bill was due. I had misplaced my bill and I paid it in full on XX/XX/19. This was the first time, after charging tens of thousands of dollars on my AMEX card, that I have been late on a payment. They charged me a {$35.00} late fee and an interest charge of {$32.00} for being three days late. This is an exorbitant amount for being three days late. Regardless, I paid these unreasonable fees when they appeared on my new bill on XX/XX/19 - the due date. I just received my new bill due XX/XX/19 and it shows another interest charge of {$36.00}. I could not understand why I was being charged interest again when I paid the previous bill in full and it included the late fee and an interest charge from the XX/XX/19 bill. So, I called and asked the representative - XXXX to provide a customer courtesy and waive all the charges. He asked me to wait a few minutes and he would check if he could do so. He returned to the line a stated he couldn't. I requested he cancel my credit card. I beleive this is criminal. I paid my bill in full and on time. The payment I understood included the late fee and interest as stated on my bill only to learn on your next bill they continue to charge interest that you thought you had already paid in full. I also beleive this is terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NH

Complaint narrative:
I sent {$50.00} to my brother in the XXXX via Western union App, the money was charged to my XXXX XXXX XXXX account right away. Few days later, my brother contacted me that the generated Money Transfer Control Number I gave him was not successful to receive the money. I called Western union to check the transfer status, talking to one of the Western union representatives, I was told that the transfer was cancelled by Western union and the representative said she didnt know the reason. Why it was cancelled and told that my refund would be available to me in seven days. I did receive my refund after seven days Thinking that the App that I used to send money was the problem, I went into Western Union agent to do the transaction at XXXX XXXX Store at XXXX XXXX XXXX XXXX, XXXX, NH XXXX. 
I completed the transaction with Money Transfer Control Number XXXX and I was told it would be available for pick up in XXXX in few minutes. 

Again, my brother tried to receive the money in the XXXX with MTCN XXXX and he was told the number was not good. This happened after four days, I sent the money. I called Western union again, and the representative told me that Western Union had cancelled the transfer. I asked him why I was not informed and his response was " I don't know I also asked the representative why the transfer was cancelled? He told me that the reason was not available to him to tell me. 

Western Union could have refused my transfer at the time of transaction but they not only refused to inform me of the cancellation of my transfer, they also refused to tell me the reason my transfer was not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I own a XXXX  XXXX XXXX XXXX Vin : XXXX. Unauthorized by myself, a XXXX XXXX at XXXX XXXX XXXX Auto Mall, XXXX XXXX, XXXX XXXX took my leased SUV and landed it. When I called this Dealership they evaded my calls. I never signed to drop this vehicle off and never agreed to fulfill this transaction. XXXX  XXXX believes I owe an early lease term. I moved to XXXX XXXX XXXX and before I could return to XXXX XXXX XXXX to pick up my vehicle, XXXX  XXXX stated they have my vehicle. In order for this fraud to occur at this dealership it takes someone from the inside to facilitate this type of scheme of fraud events. XXXX XXXX XXXX the son of XXXX XXXX, which he works for XXXX XXXX at XXXX XXXX XXXX Auto Mall, XXXX XXXX, XXXX XXXX, which I feel he facilitated this fraud of events or at least is behind the scheme. When I contacted the dealership they immediately evaded my phone calls. I demanded a contract from this dealership in which they emailed this with no statement of facts attached. I am now without an SUV. I had medical issues with my XXXX and have not been able to see to contact anyone till now. I need this account cleared and a vehicle replacement as I can not get to doctor appointments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have been on a reduced payment plan since almost the beginning in XX/XX/2009. Every year the loans go up but I am not able to afford it. I can barely afford the {$900.00} payment now and it is ending. Navient has not been able to offer any kinds of assistance with lowering the payment or extending the years of repayment. When asked to fill out a monthly expense type report, I am coming in the negative because of my credit card debt I've gone into to pay for my loans and for daycare for my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Hello my name is XXXX XXXX, I sent money to the wrong place/person ( Ive never used money gram before ) I didnt know how it worked I thought I did. But I sent XXXX $ to a XXXX XXXX In XXXX and Id like to get my money back. This transaction happened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: ID

Complaint narrative:
Experian refuses to let me dispute previously disputed negative accounts on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have disputed the fraudulent account of {$420.00} with XXXX on XX/XX/2019, XX/XX/2019, XX/XX/2019 and provided the FTC report as well. They have not report the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XXXX, 2018, Bank of America sent to the company of which I am a authorized user of a credit card in the name of the XXXX XXXX, a request for information to update their file. I filed this information twice through a branch store, which verified receipt of the information by the corporate office. At the time of filing this information, the bank had frozen any transactions to the account and had closed the account, despite the company having used this account for credit for a number of years with no evidence of delinquency or late payments. The reason given for closure was that the bank had no individual social security number on file as a guarantee of payment. This account had been active for years with no such requirement nor was there any reason for such a request, given the excellent payment history of the account. The XXXX XXXX is a 501 ( c ) ( 7 ) nonprofit organization that operates community pools and a clubhouse. Its governing board is composed of volunteers who are understandably reluctant to furnish a personal social security number to the bank. The members of the governing body feel that the bank has unfairly targeted this account for closure for no reason under normal business practices and request that the account be reinstated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had over {$9000.00} of fraudulent transaction from XXXX and Bank of America is refusing to refund them even after XXXX agreed to refund the whole amount back to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: NY

Complaint narrative:
Around XX/XX/2019 I took a drug screening test for XXXX and was given results that they have found XXXX in my system. I do NOT smoke XXXX. My complaint is that I know for a fact the results they gave me were absolutely false. I need help!

Company response to consumer: Closed with explanation