vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 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: IL

Complaint narrative:
According to my XXXX XXXX which I monitor with XXXX XXXX XXXX, my score dropped over 100 points within a 30 day period. There were no significant changes to my credit report other than my move ( two blocks ) to a different apartment. This is not supposed to affect the credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: IL

Complaint narrative:
According to my XXXX XXXX which I monitor with XXXX XXXX XXXX, my score dropped over 100 points within a 30 day period. There were no significant changes to my credit report other than my move ( two blocks ) to a different apartment. This is not supposed to affect the credit score!

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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: FL

Complaint narrative:
On XX/XX/2019 i responded to a cold call from a slaeman from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX ) i said that i would be interested in seeing what was available but made it clear i did not want my credit report pulled. I reported that i had several credit reporting apps and had a rough estimate of what my score was. When i arrived at the dealership i discovered that my report had been pulled and several inquiries were made. I never gave verbal or written permission for that to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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 explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: MI

Complaint narrative:
My student loan account had a 60 day forbearance applied twice in an effort to postpone any full payments while my income driven application was processed. I called on XX/XX/XXXX to confirm forbearance and I also cancelled direct deposit to ensure full payment was not deducted. On XX/XX/XXXX ACH debits for {$310.00} and {$480.00} were authorized to my checking account. I called on XX/XX/XXXX and the rep I spoke with said that fedloanservicing could not issue a refund until the payments post on their system and assured me to call back tomorrow ( XXXX ) and the payments would be refunded. I called today XXXX around XXXX and spoke to XXXX XXXX XXXX who transferred me to XXXX XXXX who said she was transferring me to a manager but disconnected the call. I called again XXXX around XXXX and spoke to XXXX XXXX who transferred me to a manager XXXX XXXX. XXXX confirmed that though I called on XX/XX/XXXX, my forbearance wasnt processed until XXXX and my direct deposit wasnt processed until XXXX. She said the refund request will take 60-90 days instead of the 48-72 hours quoted by the initial rep. She also said no overdraft fees or NSF fees that the bank imposes would be refunded to my account. Most egregiously, XXXX said that there was no further dispute resolution process or no other person/department I could speak with to expedite this refund request. I did request the address to FedLoanServicing Legal department, for which she gave me the corporate address, FedLoanServicing XXXX. XXXX XXXX XXXX, PA XXXX XXXX. These two payments / ACH debits have wreaked havoc on my checking account. I followed the proper steps to not only halt any full payments ( for which I did not have the funds to pay ) but also cancel the direct debit payments outright, just in case there were any issues. How then, is it reasonable or legal for a student loan Servicer to neglect processing payment/loan changes and the financial fees/burden be imposed on the borrower? This is plain negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I had a XXXX account and paid it In full and was told everything was at XXXX and I switched to XXXX. Then around sometime last year XXXX  XXXX  placed a collections on my report. They then removed it, and gave it to a different company XXXX XXXX. This is damaging my credit immensely and I need this information removed by Transunion as soon as possible.

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 2019-10-01 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: CA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly an involuntary repossession/charge-off on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it has been ( 7 ) years from the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting of a charge-off is harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MacDowell & Associates, Ltd.
State: GA

Complaint narrative:
I have received multiple phone calls and letters from an attorneys office that reports that they are acting on behalf of XXXX XXXX XXXX. The letter from XXXX XXXX XXXX/MacDowell & Associates is very threatening and intimidating as they are stating Under Georgia Law I must pay this debt within a certain amount of days and will be responsible for attorney fees and interest if not paid. This has caused a tremendous amount of stress to my ongoing health and have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC.
State: TX

Complaint narrative:
That was on or about XX/XX/2019 I received a letter from Professional Account Services collection agency to collect the debt amount {$300.00} on behalf of XXXX XXXX XXXX XXXX XXXX listed as creditor. Then, I directly contacted the creditor and spoke to a rep named XXXX regarding the alleged debt. He informed me my installment account is current since I've enrolled automatic draft from my bank every first of the month. He also stated that the management will get back with me within XXXX from the dated we talked. As of today XX/XX/2019, no one has not been called me and this alleged collection account is on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: CA

Complaint narrative:
Experian is reporting incorrectly a collection in the amount of {$2300.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I have never rented property from XXXX. This account has clearly been added to my credit report in error with incorrect information and needs to be deleted from my credit report. I have contacted XXXX XXXX XXXX directly to address this as well as the credit bureau however, I have not been successful in getting this item removed. This incorrect reporting is harming my credit score.

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 2019-10-01 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 2019-10-01 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 2019-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: VA

Complaint narrative:
Affiliate is contacting me constantly regarding a medical bill balance that I have given insurance coverage information. Insurance company paid for the service in full. Still sending threatening letters for a re-sold debt that they don't own and cant collect. Will not give original service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
On multiple occasions I have asked the debt collector to not call my phone. They have admitted to using an automatic dialer and this is the reason I continue to receive calls ( this is a violation of the TCPA as well ). I recorded them acknowledging that I have requested to not be contacted on my cell phone however they continue, when I ask to speak to a manager they are apologetic and promise it wont happen again however I still receive daily calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have already sent disputes to the bureaus and to the creditor asking to remove the late payment marks on my report as I was never late paying the account. I never got any response from them. I sent another letter asking them for any documentation that will prove that I was ever late on this account but did not get any response. 

Also, the way they are reporting the account is incorrect. I am seeing repetitive 60-day marks which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: CA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly an involuntary repossession/charge-off on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it has been ( 7 ) years from the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting of a charge-off is harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, 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 2019-10-01 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: CA

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly an involuntary repossession/charge-off on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it has been ( 7 ) years from the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting of a charge-off is harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, 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 2019-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
Approximate XX/XX/2018 a loan was secured in my name for {$1500.00} this loan was given with the promise of 90 day interest free dues to excellent payment history. After 30 days my account was being debited for amount s that was excessively more that what I was sold. I was put in financial hardship due to the collections practices & the unwilling to resolve matter. I was turned over to a collections agency who then inflated the amounts owed by almost 45 % of loan amount without being in default of original agreement. This collections agency ( NCA ) repeatedly violated my rights as a consumer, contacting family members, divulging false information and threatening me impersonating civil service officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX charged my bank account {$1100.00} instead of my credit card ( XX/XX/XXXX ). 
My bank account only had {$820.00}. 

But even though I asked Citibank to reject every transaction that is more than what I have in my bank account, Citibank processed it as a normal transaction and my account got into the negative ( XX/XX/XXXX ). 

XXXX tried to issue a refund for it because it was done by mistake and the merchant issued a refund right away. However, they couldn't issue a refund because the eCheck didn't clear as I didn't have enough balance in my account ( XX/XX/XXXX, they originally told me that my refund would be issued by XX/XX/XXXX ). 

So even though I asked Citibank to reject every transaction that is more than what I have in my bank account, Citibank just processed it and charged {$1100.00} to my bank account, then the check bounced and I got my money back ( XX/XX/XXXX ). 

However, Citibank still decided to charge the {$34.00} fee. I wanted this to get reversed as I originally asked Citibank to do so last time when I called them but they ignored. However, when I contacted the customer service they refused my request ( XX/XX/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 monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I've had my student loans for a number of years. In XX/XX/2008 I was unemployed for a long time, working temp positions. Navient would not allow the income base, they only suggested they gave was forbearance for about 7 years, which added additional interest. Now the interest has gone over the amount I spent on my education. I've asked them to eliminate some interest whereas the loan would be payable at a reasonable monthly amount. My loan is now close to XXXX and my education expense was about XXXX. They refused to do anything but offer income base, based on XXXX. I can not afford that monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
I am being sued by td bank ( target ) ... never got papers or anything knowing I could dispute this! Know nothing about this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have had problems with the bank - CapitalOne360 for  several months, and their answer was this - Our records show that the decision to end our business relationship and close your accounts were made after our Security Team reviewed activity in your accounts and profile information. A restriction was placed on all your accounts while our Claims Team researched the disputes youve recently filed on transactions made with your debit card. 
Once all your claims have been closed, which can take up to 90 days from the date the claim was filed, the accounts will be closed, and a closeout check will be mailed to your address on file with the remaining funds. 

All my disputes were resolved a week ago or more, I contacted them but they did not care. They do not want to give back the money that was left on the account. Just use them. 
One time, I received an email that all my accounts can be closed and the money transferred to external account. So, do it. Who is responsible for this? 
Branch cant help and on the phone either, some kind of holy fraud department decides it that you cant even talk to it on the phone. Only telephone entry. I am in shock.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I CALLED REQUESTING ANSWERS AS TO : How and why did my credit score dropped 15 points ; and I was told about something that happened more then two years ago. I also was told since I have a XXXX balance on my opened credit accounts, and I am not using them on a regular base, that to will cause a decease. 

However, I told the bureau that over two years ago, I turned a vehicle back to the : Lending company, and was not told that it will reflect a navigate, if and when they resell the vehicle. 

Also, regarding the credit card accounts, I had paid them off around XXXX or XXXX of XXXX. I told the bureau, that when I paid them off, it did not show any navigate reflections against me ; therefore, I asked again, why am I receiving 15 points  taken away from me. 

Non of the bureau would or could answer that question. I was told to talk to a financial Advisor, which I did. I called XXXX Financial department, and they could not explain why the 15 decease based on my dispute with the bureaus. 

My theory there's a conspiracy of keeping some consumers in a bind. I state this because, many times in the pass this issued happened where the bureaus would take from 10 to 20 points from my credit report, but when any errors or corrections take place, they would issue maybe 1-3 point in return ; which is bogus.I am very disappointed regarding how this is going for me. My social security number was compromised in XXXX, and its has taken me over 15 years to rebuilding due to Government listing my social security number on a unemployment form that was mailed to my resident ; and I am continually fighting to keep my credit in good standards. 

Please look into this matter. 

Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX 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