vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-10 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: TN

Complaint narrative:
Lion loans says I owe them {$460.00} but when I went onto my account it says it was paid in XXXX I feel like everything on my account is incorrect I have XXXX Apartments on there and it says I owe them {$1300.00} something like that but that's false my mother was living there in XXXX I was not living there I was living with my grandmother with my son she use my name I had just turned XXXX now that I'm grown I'm trying to find me somewhere to go because I am homeless with XXXX children and I filled out so many apartment applications and I got denied because of my credit which is not updated then there is XXXX XXXX I do not owe them I went to my account is there was nothing there. Where is XXXX XXXX XXXX I paid that on the XXXX of XXXX I think. I tried to dispute but it was declined I'm not sure if I did it correct. I have goals with my credit. My mother said she paid the XXXX apartment balance of XXXX in something I need that removed or it can go on her credit I have the manager of the apartments to vouch that I did not live there and that is damaging me getting a apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX I purchased " No Contract '' wireless service from XXXX. My account number was XXXX. I agreed to pay $ XXXX for the " same great network without the hassle of a contract '' for an undetermined time. I stopped using XXXX 's service XX/XX/XXXX. In XX/XX/XXXX XXXX informed me that I owed them {$140.00} for " holding my number '' three months. I explained to them that I was not in a contract with them and I had made no request for them to " hold '' my number. 

At some point XXXX sold the erroneous debt to Enhanced Recovery of XXXX, FL. XXXX. 

On XX/XX/XXXX I began the process of purchasing a home. XXXX XXXX XXXX XXXX, TN preapproved me for mortgage loan. At that time my credit score was well above the required XXXX. I was set to close on my home XX/XX/XXXX. I had paid {$1000.00}. earnest money, {$350.00}. for a home inspection, and {$400.00}. for an appraisal. When XXXX XXXX ran my final credit check on XX/XX/XXXX it was discovered that XXXX XXXX had reported the {$140.00}. collection on XX/XX/XXXX and dropped my score 100 points. Their timing was impeccable and absolutely intentional, as they were fully aware that I in was nearly the end of home buying process. I paid their {$140.00}. in an attempt to recover my score and save my investment. It didn't work, I lost the home. All the bankers and realtors I've worked with informed me that this is common practice of debt collectors. That they are somehow alerted, so they know precisely when to go in for the kill.

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 2019-08-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Regard : Account Number XXXX, and Account Number XXXX ( Consolidated ) Hi Dear Sir/Madam, 1. The lease of the XXXX Kia XXXX is INVALID.

2. Kia Motor Finance ( hereinafter " KMF '' ) knows the lease agreement of XX/XX/XXXX, is not valid. Please see my attached fax of XX/XX/XXXX, to KMF. 
3. However, KMF committed many crimes to enforce the invalid lease.

4. Furthermore, KMF reported fraudulent information to all the credit reporting agencies and severely damaged my

credit score. 5.
Therefore, KMF must withdraw all its fraudulent reporting to all the credit reporting agencies and others, if any.

6. Please see my attached documents that show KMF admitted the information in my faxes since before my XX/XX/XXXX, to KMF USA. 7. KMF never responded to my faxes or to my two cases against XXXX Kia of XXXX, Illinois. 
Furthermore, I have faxed my XX/XX/XXXX, settlement offer to KMF USA, and Kia Motors in XXXX XXXX XXXX as follows : A. On XX/XX/XXXX, KMF USA Repossession received my Partial Settlement Agreement and the Exhibit at XXXX ( XXXX ) XXXX. Please, see attachments. 
B. On XX/XX/XXXX, Kia Motors XXXX XXXX XXXX received my Partial Settlement Agreement and the Exhibit at XXXX. Please, see attachments. 
Note : XXXX and XXXX are also involved in damaging my scores because they did not give me the option to upload my documents, the attachments here, in my dispute against KMF furthermore, they do not give me a copy of the response of KMF, if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is concerning Citibank. 
I walked into their branch in XXXX Illinois and closed my checking account. 
Months later, I find out they've been charging me fees because the bank account was not closed properly and there was apparently a balance due. 
I went in to the bank to get this corrected but they said they have nothing to do with trying to correct it and that I had to contact some other branch to discuss it. 
I contacted customer service and I started getting the runaround. 
finally, I came across an individual so seemed to think he knew it all and started talking nonsense. 
I asked him to prove that I still owed money and he stated he did by reading off the balance. 
I became quite upset and let him know that. 
Next day, I find out that they have reported the late payment to all of the crediting agencies. 
I disputed with all of them and Citibank insisted they were right and rejected all complaints. 
They even reported to agencies they normally don't report to as I now see this item across all of them. 
Some of the agencies only have this one late payment showing when no other transactions for all the years I was with them showed. 
I then proceeded to close my credit card account with them that had the benefit of getting rewards based on the purchases made on it. 
They told me they were going to keep the money that I had cumulated to that point because I was closing the account. 
I think that Citibank is just quite disgusting. 
This was not the first disgusting thing they've done.

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 2019-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Revenue Enterprises, LLC
State: WY

Complaint narrative:
The first one is for the year XXXX and the second one is for the year XXXX. I had insurance for both of these but im not sure if my insurance was filled correctly to cover these medical items. The XXXX items amount was {$1800.00} and the XXXX item the amount is {$2400.00}. I set up payment for both of these and i have not seen any of the amounts going down in the amount. I have talked to these people and they have told me that i have to pay the interest down first well that is not even going down on the amount either. I set this up so they would not garnish my paychecks i cant have the garnisment cause im barely making it now cause i had to buy myself another new used car so i can drive to work. They have filed a XXXX Judgement on both items. I feel that i should be getting most of these items paid off but they just keep staying at the same amount i owe and no improvement. I just want this to improve soon. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Outsource Group, Inc
State: UT

Complaint narrative:
" This is XXXX XXXX XXXX calling about your unpaid debt to XXXX XXXX ''. 
An Internet Search revealed no company by that name in the XXXX Utah area so I must assume this call is all about fraud. I haven't visited the local XXXX center in XXXX since early last year so I don't owe them anything. XXXX stands for XXXX  as near as I can tell. 
The robo call came from XXXX and said I must call them during the 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 explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have tried twice to transfer money from my account at Bank of America to my account in XXXX. The transfer was first confirmed by BoA, then canceld. When I tried to figure out why, the BoA can't or won't tell. They say they have no information. However, I have no other oportunity to receive the money since I no longer live in the US and I need the have the money in XXXX. 

How can I get the BoA to transfer the money?

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 2019-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC decided that all customers would be forced into taking electronic statements. 
There was no warning period. They just stopped. I received no emails that a bill was due. Nor did I opt in for electronic billing. 
My account went into non payment and late fees began occurring. 
Then they tell me they refuse to remove the fees. 
They tell me that its all my fault. 
I request to place the account in dispute, over late fees. 
They put the account in fraud mode and immediately closed it. 
I have contacted them multiple times and continue to be ignored. 
I have not received a bill in several months and do not agree with the charges, but Hsbc is doing nothing to remedy the problem. 
How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: Home Loan Center, Inc.
State: FL

Complaint narrative:
I received a notice called " credit alert, '' that Lending Tree put in for a credit statement which lowers my credit score already damaged by my medical bills I have now. 
I had an accident and waiting for payments from the insurance company but now deluged with ads for credit. XXXX XXXX asked me to apply for a credit card and then deluging me with credit information on my scores. 
I never put in for a credit application with Lending Tree and should not be punished lowering my score. 
Why is Lending Tree checking my credit score when I never asked for them? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a letter from a company, Comenity Capital Bank, stating that a XXXX XXXX credit card account revealed potential security concerns and/or irregular credit card transactions. ( see attached ). I immediately called the company Comenity Capital Bank and informed them that I do not have a XXXX XXXX credit card and never have and that my name is not the same as on the account listed on the letter and they stated that they would investigate for fraud. In a few weeks following this, I then started receiving harrassing phone calls from the same company, Comenity Capital Bank, at least once a week stating that I needed to pay this balance. I each time told the company that this was NOT MY ACCOUNT and I did not have a XXXX XXXX credit card and even spoke with somone in their fraud department to verify that the name and the ss # on the account was NOT mine ... so they said they would stop calling me. I few weeks later I began recieving calls from Comenity Capital Bank again threatening me with financial penalties if I did not pay the balance, in which I again told them that this was not my account and verifed the ss # and name on the account was not me. On week of XX/XX/XXXX I received an alert on my credit report that my credit score had decreased so I reviewed my credit report and saw that XXXX XXXX had put an uncollected debt on my credit report for over 3,500.00 so I started the dispute process with XXXX. I have attempted to call Comenity Capital Bank and have them remove this collection from my credit reports but can not get through. I am contacting all 3 credit bureaus to have this claim removed from my credit report as it is not my account and even has an incorrect name listed on my credit report and has caused my credit score to decrease by 50 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo Dealer Services is not reporting on time payments and current account balances in a timely manner. It is XX/XX/2019, and the last payment that they have reported is XX/XX/2019 or XX/XX/2019 depending on which credit bureau I am looking at my report on. The last balance they have reported is {$7100.00}, but my current balance is {$6500.00}. 

If I allow for their policy on reporting to the bureaus, which Wells Fargo Dealer Services has stated as " due date to due date, '' XXXX 's payment and balance would make my report current and should be what is shown on my credit reports, but my report only reflects being current in XXXX. 

I contacted Wells Fargo Dealer Services yesterday, XX/XX/2019 in an effort to resolve this, and they claimed that they had reported to the bureaus and they didn't know why it wasn't up to date. They reiterated their policy of reporting " due date to due date, '' and refused to assist any further. 

My report shows that the last time my Wells Fargo Dealer Services account was updated with any credit reporting bureau was on XX/XX/2019. If that is the case, and they report as they say they do, they have reported inaccurate information to the credit bureaus. I can confirm the credit bureaus are reporting the information they are given in a timely manner as my other lines of credit are current and correct ( reporting from XXXX ) within my reports. It makes no sense that all other accounts would report correctly except for Wells Fargo Dealer Services unless Wells Fargo Dealer Services isn't furnishing correct and current information to the bureaus.

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 2019-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This Comenity capital bank hurts peoples credit. I often shop XXXX XXXX XXXX XXXX. About a month ago I had seen heavy ads in store about their credit card. I sign up. I get approved on the spot. But I cant utilize my credit in store yet, like XXXX or XXXX credit approvals on spot. They tell me my card will be in the mail. I receive the card with all the info. I receive a letter dated XX/XX/XXXX stating theyve closed my account because of too many inquiries ... there were THREE..one of which was theirs. I had not used the credit card at all. Now I have a short termed opened credit account thats been closed by the bank on my credit history and it made my credit score take a nose dive! This kind of practice hurts people because of their practices in place. I opened this credit card to apply monthly re-occurring bills that would be paid back to the credit card monthly in full to try to improve my credit score and it did the reverse. I called company and they said theyd add notes to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
I recently discovered that a collections listed under Chapter XXXX BK although paid was a results of ID theft. I tried explaining this to a collection company NCC who I have never signed and contracts or documents with nor I have ever signed any contracts with the original debtor. I have never received the documents validating anything was signed or proof they believe it belongs to me. NCC is fully aware of my position but refuses to remove this from my file. I will be contacting the original credit as well as NCC to file suit immediately upon submitting this complaint. Ive been trying to settle this matter since XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC

Complaint narrative:
For the past two weeks, all hours of the day.. HRRG, has called me multiple times a day. Theyve called my husband multiple times while he is at his job. If we had the money to pay, we would.. but we have been struggling since I had my XXXX and are on one income currently.

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 2019-08-10 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: FL

Complaint narrative:
The investigation did not fix error

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 2019-08-10 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: FL

Complaint narrative:
Theinvestigationdidnotfixerror

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In my mortgage application ( separate ), I noticed an account with Citi that I did not recognize and could not locate. 

I called on XX/XX/2019 and it took me about 30 minutes to get on the line with a representative. The call was unclear, but what was clear was the incompetence of the representative as he just sent me back to the automated messenger. 

I called again XX/XX/2019 and got in touch with a representative who was slightly more competent and could not identify an account with using my name, social security number, or the partial account number. 

As far as I know the card does not belong to me and I would like it removed from my account so that it does not influence my mortgage or 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 2019-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital Systems , LLC kept calling and sending threatening letters saying I owe them XXXX, I was so threatened by the caller I gave them my bank information because I didn't want to go to jail or my credit to be messed up like they told me. After reviewing the debt they say I owe afterwards I found out that it was wrong and sent them a certified letter on not collecting on the debt and to tell me how and where they got this bogus amount from. I even asked them to delete it off of my credit report. The problem is they took XXXX out of my bank account and yes I did canceled or stop it with my bank but they withdrew it under the name of XXXX XXXX. I have been calling to get my money back but end up getting hung up on repeatly. I am sending them another certified letter and I also am in the works of suing them to try and get my money back. They have used illegal and awful tactics against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was told by jpmcb that I have no open accounts with them and no applications with them and they have done no inquiries on me. I am to call back on Monday XX/XX/19 for them to connect me with there credit bureau department for further investigation when that department is open.

Company response to consumer: Closed with explanation