vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rhodes, Kelly Assoc Inc
State: NC

Complaint narrative:
I got a XXXX XXXX in XXXX of 2017 and paid for the whole thing in cash after which I moved to XXXX. I clearly stated to them that I am paying them off so I don't see any collection bills and yet they keep sending it to the collections. I know for a fact that I don't owe them anything and yet they are torturing my life Original Creditor : XXXX XXXX, XXXX, NC Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX Collection company harassing me is RHODES, KELLY & ASSO XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Amount : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, Starting XX/XX/XXXX to XX/XX/XXXX of this year, I started getting fraudulent charges on my XXXX XXXX Bank of America credit card. They didn't block my card or give me any notifications, I believe I only got a text message a week after. I wasn't able to view the account as I was extremely busy, but usually XXXX blocks my card whenever I have charges that seem fraudulent so I didn't worry about it. BoA didn't and it seems like whoever got my card info kept charging on my card. I had a charge for XXXX in Washington DC ( I live in XXXX and I don't travel there ), XXXX charge for $ 600+ ( I don't watch concerts ) and $ 2000+ charges for merchants that are named " XXXX XXXX   '' and " XXXX ''. I quickly disputed them after finding out and I requested for a credit freeze via XXXX. After a month, I got a letter in the mail saying they were unable to accept this fraud claim because " it's consistent with my purchase history ''. This is completely false and ridiculous. I don't buy anything for any airline hydraulics and I don't purchase in DC. I can 100 % confidently say my transactions do not reflect these fraudulent charges and BoA did not do a great job with their due diligence on investigating this. My credit score plummeted due to this and it's just unacceptable. I am not going to pay $ 7000+ worth of fraudulent charges that I did not make.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair  Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Deleted completely from my file that was the agreement not to come out on my report. Now it shows again on 3 credit report. I was was a breach on XXXX that is how I find out that is on my credit report again Ally sold this acc to another company that want to charge me again XXXX went this acc is close by ally .Now ally they sold this acc to another company and I never did a contract with them or know who are they? and they keep calling me at all time. That car loan was my ex that add me on that loan on the past. See the amount XXXX and more on my report. So you see they close the acc? Now is report again same loan with XXXX some else please go over 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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6 10 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NY

Complaint narrative:
This bank treats me horibke I apllied for a secured card they always give me a hard time I call to check status they saw oh everything is fine then the following week they need Verifiction when I call them their very rude to do it by phone then I get a letter that my application was denied because my address is suspected fraud which is ridiculous I call them they refuse to process my application for my secured card and wont believe its me not fair

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 2019-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/19, i recived a notification that someone got into my USAA account and added themselves to my XXXX list I then recieved a email a minute later stating they had transferred all but {$8.00} from my account to theirs. The bank is stating its my fault because my computer may have been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WV

Complaint narrative:
Our loan payment has been sent to US Bank from my husbands employer, the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX for the past 6 years on the XXXX of every month. The last payment was sent on XXXX with a stub attached identifying the loan acct number and our name. On XXXX the employer received the check back with a letter stating that the mortgage acct could not be identified. There was a phone number and extension on the check but the employer was never called to give the mortgage number and the stub with the identifying information had been removed. On XXXX a second check was sent by 2 day mail through USPS and via tracking information, was received by US Bank at XXXX XXXX   at the front desk of XXXX XXXX XXXX  , XXXX XXXX, MO XXXX. As of XXXX at XXXX, my mortgage payment has still not been processed, I am showing delinquent and have incurred a XXXX late fee. My husband and I have both called multiple times to no avail. I have spoken to XXXX, XXXX XXXX, XXXX, and when I ask to speak to that person again I am told they can not be found. I have been put on hold for approximately an hour each time and nobody seems to be able to tell me where my payment is. I have never dealt with such an inept, system and need help in finding a resolution. 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 explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
VARIATION IN CREDIT REPORTS - EXPERION I am very concerned with the credit rating submitted by EXPERION. Their rating is XXXX vs XXXX at XXXX and XXXX XXXX. This a huge variation between the other companies. EXPERION has caused me a lot of problems as they had information wrong on my credit report than had to be corrected. I sent them the following on XX/XX/XXXX and am waiting for a response. They also advertise their Boost program which does not list my bank. If they are going to do something for some individuals they should do it for everyone. 
I believe they are only interested in making a profit off everyone rather than correctly calculating my credit score. 

Why does XXXX XXXX XXXX not show up in your list of Boost banks. I pay my rent every month, electricity and XXXX phone using my bank debit card and have always been on time or early since XX/XX/2016. I am also concerned about my Experian score which is XXXX vs my XXXX  score of XXXX and XXXX   of XXXX. That is a huge variation. If I do not hear back on both questions I will contact ConsumerProtection.gov on Tuesday XX/XX/XXXX. 

Best regards, 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 explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXXXXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6 10 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly ( 120 ) days late on XXXX partial account numbers ****XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6 10 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.

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 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Starting XX/XX/XXXX, I signed on for a 72-month used car loan with Santander consumer USA. The original principal amount was around {$13000.00}. As of XXXX, with a monthly payment of {$310.00} I have paid just under {$23000.00}. So far Santander has made around 66 % interest on the original amount financed. The problem is that they will not release my title because they say I still owe {$9400.00} approximately! I am appalled and I feel cheated and I feel like this is a crime! I've called them several times to get this resolved and explain that if I paid this amount they will have me 135 % profit from the auto loan. They refused to lower the amount only saying that I didn't understand how simple interest works. Unfair credit practice? And to add insult to injury, my car was repossessed on XX/XX/XXXX while I was 70 miles away from home. Now I have no way to get to work either!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
On XX/XX/19 I called navient to see about getting my payments increased so I could pay my student loans faster as I saw that in the 3 years I have been paying them they have not got down in terms of amount owed. The person I spoke with said that the only way to increase my payment was through additional paperwork as I am on an " income driven repayment plan ''. I then told the customer service rep that I would like to pay around XXXX $ A month and she said the highest I could pay a month is XXXX . She then told me I could place my account in forbearance. I had sent in an application for borrowers defense and they immediately put my account in forbearance and I had called and told them no, I want to continue to pay the loan until my application was processed. I had to argue with them to continue to repay my loans instead of being put into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
In the summer of XXXX I attempted to sign up with XXXX  XXXX when they had a {$1.00} promotion but I did not follow through because I did not have enough documentation to complete the process. I then started receiving collection notices from Aldous & Associates PLLC for a {$130.00} balance due from XXXX  XXXX   under my name and another collection with a balance of {$87.00} under the name XXXX XXXX who I do not know. I do not agree with any of these collections because neither belong to me. On XX/XX/XXXX I sent a debt validation letter to Aldous & Associates PLLC requesting : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and For all other charges, the date of and basis for each charge. Which they failed to respond to. On XX/XX/XXXX I sent a second letter to Aldous & Associates PLLC informing them of their failure to validate the debt. They then responded with a letter stating they contacted the original creditor and they verified the debt. They mentioned sending me a valid copy of the original agreement which I did not receive. And also mentioned that my additional dispute information is not valid. ( all docs attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received an email from XXXX XXXX regarding a hard inquiry on my equifax credit report. I navigated to the provided link and it was shown that XXXX XXXX XXXX made a hard inquiry. I have no affiliation with XXXX XXXX XXXX and have not communicated with them at all so I have no idea why there is an inquiry from their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to apply for credit and was denied because of things on my credit. After I looked on my credit report, I saw things that don't belong to me. US DEPT ED, DPT ED/XXXX, XXXX XXXX XXXX XXXX. I have already contacted FTC and the local police department.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I went to apply for credit and was denied because of things on my credit. After I looked on my credit report, I saw things that don't belong to me. US DEPT ED, DPT ED/XXXX, XXXX XXXX XXXX XXXX. I have already contacted FTC and the local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ditech Financial LLC
State: MI

Complaint narrative:
In XXXX of XXXX I challenged DiTech Financial reporting of my mortgage delienquency dates. They have been reporting XX/XX/XXXX as the date of first delinquency which was incorrect. It was my belief that the date of first delinquency was in XXXX. 

I received a letter, which I have attached to this complaint for Ditech stating that they were in error, the date of first delinquency was XX/XX/XXXX. Letter is attached to this complaint. It was sent from there XXXX XXXX offer by the legal department. 

Yesterday, I pulled a copy of my credit reports, and the information still has not been updated at any of the bureaus. In my discussions, they stated DiTech has not provided the new information. 

I would like DiTech to honor their commitment as stated in their official response to me and update the information on my credit reports to all three bureaus. It has been 5 months and the information still has not been updated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation