vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Bank of China USA
State: AZ

Complaint narrative:
An internet scammer broke into a XXXX XXXX XXXX 's e-mail account and started sending requests to clients for money 'because the lead guide is very sick and needs help with medications. ' The info the scammer provided for the transfers is with the Bank of China in XXXX. I checked through another channel and determined what happened and sent no money, but someone else did - and lost {$2500.00} about a month ago. I called the Bank of China branch in XXXX XXXX and reported it today, asking them to shut down the account, which is based in mainland XXXX. The agent said no can do. You see, BOC is a big company and they could n't possibly figure out who to contact about that. She said it was better to just file a police report. I ask the obvious : Wo n't the cops just call you and ask for the same? She replied 'maybe, but we ca n't help them either. ' Here 's what the scammer sent to me on XX/XX/XXXX after I heard my XXXX guide and his family were sick and asked about their welfare via the compromised email account : " Dear XXXX, Thank you for your kind message and we are happy to hear that XXXX got out of XXXX successfully. And yes i receive the money XXXX sent to my XXXX bank. And am not very OK as i have been very sick since the past month and some of my family members because are very sick and we do n't have enough money to receive medication and i just came back from village yesterday. Things are a very difficult for us now and with a little help from you we can get through it my friend. We really are grateful to every help you have given to us we owe you are lives and me and my family are thanking you. <P/>Any amount you can send to us will go a long way to solving our issues here. <P/>This is my agent XXXX bank account below with XXXX XXXX  details also and i suggest XXXX XXXX will be faster and more easier, but whichever one is easy for you we accept in good fate. see account below. <P/>Beneficiary Address : No XXXX XXXX XXXX XXXX XXXX Account No. : XXXX Beneficiary Bank Name : BANK OF CHINA XXXX XXXX SUB-BRANCH Beneficiary Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Swift Code : XXXX I also suggest you use XXXX XXXX as it is more faster and we can receive on time. see our agent XXXX XXXX
details also. First name : XXXX LAST NAME : XXXX. CITY : XXXX. COUNTRY : XXXX ADDRESS : No XXXX XXXX XXXX XXXX XXXX Awaiting your kind response. my prayers for XXXX to get well and strong XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX : XXXX, XXXX, XXXX Tel : +XXXX XXXX XXXX Fax : +XXXX XXXX XXXX Cell : +XXXX XXXX XXXX Mail : XXXX???????? XXXX Web : XXXX '' The bank information is the scammers. The other company information is genuine.

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 2017-05-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have an account with  XXXX   XXXX  and I recently checked my credit scores with in the last few weeks and noticed my Equifax score dropped over a  XXXX  points with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: CORELOGIC INC
State: RI

Complaint narrative:
XXXX / XXXX /  XXXX    CREDCO   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  This inquiry was performed under false pretenses as described in the clear language of the law.  15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

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 2017-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I filed bankruptcy in  XXXX   XXXX . My bankruptcy was  discharged   XXXX   XXXX . I am in the process of buying a home and I frequently check my credit report. On Friday  XXXX / XXXX / XXXX  there were  XXXX  collections totaling just over {$14000.00} on my credit report from a company called Transworld Systems INC. I called not understanding why this was just simply placed on my credit report and no one would answer my ques tions. They referred me to a lawyer who stated he did not have my student loan accounts. When I called Transworld back and asked for them to show me validation of these loans they have been unwilling to do so and they are unwilling to take off of my credit report. They can not tell me where the loans originat ed from or show copies of my promissory note. They did not warn me with calls or letters stating that I had anything in default so I could attempt to pay it before it went to collections. They do state that they have my correct address and phone number. I need help with this immediately due to this could potentially stop the purchase of my home. I have always paid my student loans and simply want a chance to pay them without a default but I have not been given that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
Fair Col lections & Out. Acct.  XXXX . {$21000.00}.   I have no idea who this is, what this is, and ca n'  t IMAGINE who I could possibly owe this much money too!
I sent a letter to the credit bureaus asking them to verify the debt. I did n't receive a response, and now I do n't know what to do! Please help me.

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 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: OK

Complaint narrative:
In  XXXX   XXXX  I gave verbal notice that I  would need to move to a smaller apartment, I was approved for a 1bedroom and I was living in a two be droom. In  XXXX  I gave written notice that I would be moving at the end of my current lease (  XXXX / XXXX / XXXX  ). On  XXXX   XXXX , I received a  24hr notice  on my door. I moved out, leaving the apartment clean and empty. Because the office was closed, I returned the keys in the mail drop, the office staff was in  XXXX   XXXX . I was having financial trouble and was behind on my rent. I was able to pay all but  XXXX  before I left. My deposits of  XXXX  were returned to account.   After I left I received a bill stating that I was still on a lease that had 8 months to go and that there were other charges as well including lawyer fees. I proved the lease was up and that I had notified them in writing properly before leaving. The 8 months were removed but the other fees remained. I have the lease and the customer accounting sheet showing payments and charges.   The original company was sold for bad management and all staff fired but the collection company refuses to correct it. I have been trying to get this removed since that 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 2017-05-31 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  This inquiry was performed under false pretenses as described in the clear langua ge of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is  greater. ''

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 2017-05-31 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: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
CITIZENSBK  XXXX   XXXX   XXXX    XXXX    XXXX , CT  XXXX  (  XXXX  )  XXXX   XXXX / XXXX /  XXXX   This inquir y was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31 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: MO

Complaint narrative:
I am filing this complaint against Equifax Credit Bureau. I am a victim of identity theft. I filed a police report and submitted it to the company. In addition to filing the police report I submitted an online, and over the phone dispute regarding the fraudulent accounts listed on my report. These accounts need to be removed immediately. The following accounts that I am requesting to be removed are the following :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Received an unsolicited, " pre-approved '', " prescreened '' offer in the mail for a credit card from   XXXX   financed by Comenity Bank. The only option for opting out to stop receiving these unsolicited " offers '' was to call their automated hotline,  XXXX . When you call, the automated system asks for your social security number, address, date of birth, phone number, and other personally identifiable informationthere is no path forward to stop receiving or opt out of their communications without providing all of your personal information. Your options are to keep receiving their unwanted solicitations and communications, or risk providing all of your personal information to a system with no proof or claim of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: RI

Complaint narrative:
XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , CT  XXXX  (  XXXX  )  XXXX   XXXX / XXXX / 16  This inquiry was performe d under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
C AP ONE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX / 16  Thi s inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: MO

Complaint narrative:
Starting in  XXXX  of    2016  - I have submitte d two letters to the credit bureaus asking them to verify this debt. I have not received ANY FORM OF VERIFICATION. I additionally send this company a letter directly asking for verification of this debt. I RECEIVED NOTHING I do n't know what this is. who they are. where the debt is from before they got it. I am  incredibly frustrated by this entire experience.

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 2017-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX /   16  This inquiry was performed under false pretenses as described in the clear language of th e law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

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 2017-05-31 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: RI

Complaint narrative:
XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX / 16  This  inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: Innovis
State: RI

Complaint narrative:
CBCINNOVIS CBCINNOVIS   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Inquiry on  XXXX / XXXX / 17 . I   did not authorize this inquiry.
<P/>
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: MO

Complaint narrative:
Starting in  XXXX  of    2016  i started writing letters to the credit bureaus to attempt to remove/verify this item from my report. I then went directly to the company itself. I have NOT received a RESPONSE to any of my inquiries. I am so incredibly frustrated by the lack of response. I have NO IDEA what this is. Where it came from. What it 's for. and NO ONE WILL HELP me. This should not be on my report and is affecting my finances. thi s is NOT RIGHT.   <P/> also- this item appears  XXXX  on my credit 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 2017-05-31 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: RI

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Inquiry on  XXXX / XXXX / 17 . I   did not authorize this inquiry.
<P/>
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: AES/PHEAA
State: MN

Complaint narrative:
FedLoan Servicing/Pennsylvania Higher Education Assistance Agency has lie d to me on numerous occasions with regard to whether my payments qualify for t he Public Service Loan Forgiveness program. In a pho ne call in   XX/XX/XXXX   a representative for  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency  told me that  only three pa yments during my time with my current employer would count toward the 120 required payments to quality for loan forgiveness. She told me that the payments must be consecutive and that each forbearance or missed payment would restart the count. This is a lie. When I found out that she, representing  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency,  had lied, I called back to let them know I was aware that the company deliberately misled me. I was told in mid  XXXX  by a different representative to resubmit my payments for review. I was again told that my payments during my current employment did not qualify. This time the reason was that I had paid  XXXX  short of the amount due. No one would ever pay less than a dollar of the amount owed. They could n't even come up with a decent lie. I am unable to address this because only the five most recent payments I 've made are available on the website. Only the most recent statement is available. I have been paying loans since  XXXX . Luckily, I keep screen shots of all my payments. The representative said that it must be an issue with my previous loan servicer. That is also a lie.  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency ha s been my loan servicer since well before I started working at my current employer. In fact, they approved every  one  of my payments at a previous employer with no trouble. Their efforts to exclude the payments I have made toward my loan balance at my current employer is baffling. In addition, I was advised not to pay more than my income-based total so I would " not seem as though I did n't need it, '' the it meaning the  Public Service Loan Forgiveness program. At no point was I made aware that my overpayments could be put to ward the principal balance. Rather than apply the extra amount paid toward my principal balance,  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency  instead reduced my amount due each month so that  I at one point had a balance due of {$0.00}. The practices of FedLoan   Servicing/Pennsylvania Higher Education Assistance Agency  are predatory and illegal. This has happened because the federal government privatized and outsourced its loan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: MO

Complaint narrative:
Starting in  XXXX  o f 2016 i  started writing letters to the credit bureaus to attempt to remove/verify this item from my report. I then went directly to the company itself. I have NOT received a RESPONSE to any of my inquiries. I am so incredibly frustrated by the lack of response. I have NO IDEA what this is. Where it came from. What it 's for. and NO ONE WILL HELP me. This should not be on my report and is affecting my finances. this is NOT RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i have disputed an entry on a judgement listed on my credit report since    XXXX   XXXX  ,2017  and they have failed to respond back to in a timely manner, This issue is with a judgement ref #  XXXX . and I still hv not heard anthing back from them yet

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 2017-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
On  XXXX   XXXX  , 2017     XXXX   XXXX   (  phone number  XXXX   XXXX  and  XXXX  ) at  XXXX  called a family member at work regarding my student loans.

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