vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the XXXXredit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity. I've had accounts with Navy Federal Credit Union for approximately 4 years. All activity throughout this period has been consistent and fully within the terms and conditions they provided me when I opened the accounts.

Shortly after this, the credit union closed my credit card and refused to pay rewards I had earned on the account in accordance with their terms and conditions. The credit card agreement stated I would receive 2 % cash back for all purchases I made with the card. At the time the credit union decided to stop complying with their credit card contract with me, my account contained XXXX points, worth {$44.00} if redeemed for cash as described in the credit card terms and conditions. 

Had I known the credit union would violate their own contract by refusing to pay rewards I had earned, I would have used another bank 's credit card. Since the credit I would like to point out again, the credit union never provided me a reason for closing the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I was being scammed very badly, and was tricked into withdrawing {$16000.00} in cash, completely emptying my checkings. After first transferring all of my savings into checkings. Chase violated their own rules and regulations in allowing me to withdraw this money, no questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX GM Financial XXXX, TX XX/XX/19 Car Inquiry with XXXX XXXX XX/XX/19 Loan Sent back XX/XX/19 Loan Declined XX/XX/19 Dealership wants me to sign new paperwork XX/XX/19 Told Dealership They can take car back XXXX Told Dealership I dont wont to proceed, offered different monthly payments & to pickup vehicle XX/XX/19 Contacted via text by Dealership & that they wanted to Pickup truck ; Told Dealership I was out the country would return truck upon arrival. 

XX/XX/19 Hard Inquiry On Credit via GMF XX/XX/19 Contacted GMF about a unauthorized inquiry XX/XX/19 Vehicle Returned To Dealership & Contacted GMF to Not Proceed with Funding. 

XX/XX/19 Receive notification Inquiry on credit of a New Auto Loan funded w/o my Authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
hi, My delta gold was cancelled due to a mistake. A few days ago, I called amex to reinstate this card. But Amex still clawed back the welcome bonus. I called Amex and was told there is no way to credit back once the miles are clawed back. But clearly my card is not cancelled but amex just refused to credit back my miles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Couple years ago i paid off all of my credit cards / loans off i want them off my credit reports all 3 companies

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 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I have been disputing with a collection agency by the name of I C System. They have reported to all three credit bureaus stating that I owe them in the amount of {$1300.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XXXX 2019 and XXXX 2019. The company REMOVED the account from my XXXX XX/XX/2019 ; however, the company has placed the account back on my report XX/XX/XXXX. 2019. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay I C System and they have not responded to any of my correspondence. 

Also, I had informed them that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX  ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if I C System can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.

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 2019-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
ON XX/XX/2019, I TOOK OUT A MONEYLION LOAN AND MY AGREEMENT WAS TO HAVE AUTOMATIC PAYMENT DRAFTS BIWEEKLY TO PAY OFF MY BALANCE. MONEY LION TOOK BIWEEKLY DRAFT FROM MY XXXX  XXXX ACCOUNT ENDING IN # XXXX UNTIL XX/XX/XXXX WHEN THEY STOPPED!!! I HAVE BEEN TRYING EVERYDAY TO CONTACT THEM TO RESOLVE THIS MATTER!! THEY HAVE SINCE REPORTED ME TO THE CREDIT REPORTING AGENCIES AS 30 DAY DELINQUENT WHICH IS FALSE!! 
MONEY LION HAS AN ALERT ON THE XXXX WEBSITE OF THIS ACTIVITY AND THEY ARE HARMING CONSUMER CREDIT WITH THIS LENDING PRACTICE. 
PLEASE HELP ME! THEY ARE RUINING MY CREDIT! 
I AM UNABLE TO CONTACT THEM TO RESOLVE THIS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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 was looking at my credit report today XX/XX/19 and I saw that there are four inquiries that I never made. The inquiries are the following. XXXX XXXX XXXX XX/XX/19, XXXX XXXX XXXX XX/XX/19, XXXX XXXX XX/XX/19, XXXX XXXX  XX/XX/19. None of those inquiries are mine and I did not allow anyone to run my credit. I did not authorize those companies to run or access my credit nor do I have any written/verbal contract of any sort with any of those companies. I don't know who is responsible for this but I have already filed a police report in hopes of getting to the bottom of this and to clear these inquiries off of 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 2019-10-15 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 canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm a victim of Identify theft someone has used me personal information to get a Phone from XXXX. I never had a Phone with XXXX during the time I was in XXXX. Experian and XXXX  is reporting a collection account for XXXX XXXX. 

Thank you

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 2019-10-15 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: NV

Complaint narrative:
There are accounts listed on my credit report that aren't 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 non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I can not access my Pay Pal account. I have a two-step verification authentication to sign in into Pay Pal. 

On XX/XX/19, I changed my telephone number. I called Pay Pal to inform them that I no longer has this cellular phone and their response was that the only choice I have is to close the account. 

I currently have a {$200.00} cash balance and {$120.00} amount due. 

I would like to keep my Pay Pal account open, I can provide additional information to validate my identity. 

Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Original creditor was a XXXX XXXX ( XXXX XXXX XXXX ) ; insurance company denied payment because services of an assistant are not usually required during type of procedure ; I received a bill in XX/XX/XXXX almost a year after my XXXX in XX/XX/XXXX ; I immediately called the surgeon 's office ( on XX/XX/XXXX ) and original creditor numerous times ( beginning on XX/XX/XXXX ) to obtain additional information to assist with getting claim paid by insurance company and/or to determine whether or not I should dispute the claim myself ; there were no notes by the surgeon indicating an assistant was used during the procedure ; every time I spoke with original creditor 's office I was told they would call back with more information but they never did ; the amount I was billed by the original creditor was {$430.00} ; I wrote letters to the original creditor on XX/XX/XXXX and on XX/XX/XXXX requesting additional information but got nothing ; while I was still trying to get information from original creditor they referred the debt to a debt collector ; the debt collector sent a collection letter and called me repeatedly, telling me I owed {$2700.00} ( principal - {$2500.00}, interest - {$140.00}, interest rate 8 % ), despite my requesting validation of the debt ; I mailed a letter on XX/XX/XXXX, via certified mail, disputing the debt and requesting validation of the debts, amounts owed, and any agreement authorizing fees, interest, and other charges ; the service date was not the date of my XXXX and the amount they were trying to collect was more than 5 times the amount I was billed by the original creditor, so I was certain this was a mistake. I have still not received a response to my request for validation of the debt, but the debt collector has begun calling me repeatedly ; when I answered the phone and stated I had requested debt validation the collector told me it was in the mail and it's valid so how did I want to pay ; she was very rude and nasty to me, when I was genuinely trying to resolve this situation ; I genuinely believe this is all a billing error but can't get any information whatsoever from either the original creditor or the debt collector but I keep getting harassing phone calls ; I have signed copies of all correspondence and return receipts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
Good evening, I have been disputing with a collection agency by the name of ARS Account Resolution. They have reported to XXXX and XXXX   that I owe this medical bill in the amount of {$1800.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XX/XX/2019, XX/XX/2019, and my third letter will go out tomorrow as this will be another 30 days the company has refused to reply. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay ARS Account Resolution. As well as hey stated requesting a HIPAA Authorization with my signature. NO REPLY.

Also, I had informed them that any negative marks found on my credit reports ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if ARS Account Resolution can not validate the debt, they must request that all crediting reporting agencies delete the entry.

Again, they have not sent any evidence nor have they responded to any of my letters.

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 2019-10-15 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: NV

Complaint narrative:
There are accounts listed on my credit report that aren't 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 2019-10-15 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: NV

Complaint narrative:
There are accounts listed on my credit report that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: FL

Complaint narrative:
on XX/XX/2019 a hard pull was made against my credit report. said credit report pull was not authorized by me! the recipients info reads : " factual data ''. 

please remove this hard pull from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-15 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:
We have reached out to remove the incorrect/fraudulent accounts. No action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: CT

Complaint narrative:
I have filed more than a few complaints about a Company called XXXX XXXX. My complaint is : : I recently saw my report from XXXX XXXX and XXXX  XXXX  has agreed to delete their site off my Credit, the Company did but not with Experian. I called experian and explained a deletion from XXXX XXXX and asked them to look into this being deleted and the will not put any effort at all. I also noticed on my Experian report last week, XXXX XXXX inquired 2 times on my report when I have a security freeze on all 3. The other two have deleted XXXX XXXX and Experian gives me a difficult time. I asked why I have now 2 inquiries with a freeze and they didnt explain and would not delete those inquiries from 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 non-monetary relief
Consumer complaint received 2019-10-15 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 canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm a victim of Identify theft someone has used me personal information to get a Phone from XXXX. I never had a Phone with XXXX during the time I was in XXXX. XXXX  and Equifax is reporting a collection account for XXXX XXXX. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 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: IL

Complaint narrative:
Hello, I Am a Victim of identity Theft How can I be in Jail And purchase a Car. I see where the car was like XXXX and who ever stole my Identity was making payment and still owe XXXX. I am trying to finish getting my life in order and this is hard I never touch my credit and i never had a good Car. can you please do your research ... .. I even went to the County Jail House to Show Proof I was INCARCERATED AT THE TIME ... ....

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 2019-10-15 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: Ocwen Financial Corporation
State: IN

Complaint narrative:
In XX/XX/XXXX, husband and wife applied for a joint mortgage with Ocwen/Homeward. In XX/XX/XXXX, according to divorce decree, wife was awarded home and a quit claim deed was filed to transfer ownership solely to ex-wife. Per the decree, ex-wife refinanced loan in her name only. Loan was modified from joint to individual. In XX/XX/XXXX, PHH took over loan and reversed loan from individual to joint loan again. I have been trying to resolve this issue since XX/XX/XXXX after reviewing XXXX XXXX. So far, I have contacted XXXX  and PHH to no avail. PHH confirmed that the quit claim was signed in XXXX. However, the mortgage is still showing on my credit report. Also, my name is spelled incorrectly with XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
Based on Equifax data there is no explanation why they reduce my score, sooo low

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: KY

Complaint narrative:
Asking for payment history information and being sent another link that is excessively time consuming and inconclusive. 
Asking about changes in the loan service providers and why my balances are still the same for XXXX and Great Lakes and not receiving a good explanation. 
Asking why my payment histories and current loan balances do not add up and not getting a valid response after two hours on the phone. 
Being told the reason for the math difference is because of interest which is not accurate ( the reason I consolidated specific loans is because it would save me money in interest, not the opposite ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: IL

Complaint narrative:
Hello, I Am a Victim of identity Theft How can I be in XXXX And purchase a Car. I see where the car was like XXXX and who ever stole my Identity was making payment and still owe XXXX. I am trying to finish getting my life in order and this is hard I never touch my credit and i never had a good Car. can you please do your research ... .. I even went to the County Jail House to Show Proof I was XXXX  AT THE TIME ... ....

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