vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-21 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I noticed several inquiries on my credit report after I pulled my report.

on XXXX  there is 3 inquiries I have no knowlodge ofXX/XX/XXXX XXXX XXXX  XX/XX/XXXX bloomingdales XX/XX/XXXX XXXX.

on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...

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 2018-01-21 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: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
I NOTICED IN MY XXXX CREDIT ALERT, reported a new account of XXXX credit report. 
New bank/credit card dept. Recovery Solution L.L.C XXXX cardit report alert date : XXXX XXXX XXXX2017 source : XXXX phn. numb XXXX balance : {$980.00}. 
Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX i have filed so many disputes on this bank /credit card co. i already filed for Idenity theft and fraurd .like this to come out of files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
This Company Diversified Consultants continues to pop up on my credit report even though they produce no debt validation of supposed debt. They continue to call and harass family members at all hours of the day numerous times of the day even after being told to stop. No letters or anything have ever been sent to me. No account numbers or anything have been provided whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XX/XX/XXXX ( 1 yr, 6 mos ) Account status My identity was stolen I want to resolve this issue by not paying anything and having this remove from my credit report thank you. 
-- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have a dispute in progress XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As a result of a matter concerning my identity being stolen 8yrs ago there is still high alert status when it comes to my credit and bank account, deposited checks etc.

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 2018-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I have already sent 2 complaints : XXXX XXXX.

This is regarding LoanDepot payments that I have made. The problem was suppose to be fixed. I just received a bill for XX/XX/2018. It states I owe XXXX I have already paid XX/XX/XXXX and XX/XX/XXXX. This keeps happening. I do not know what else to do with this loan company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The problem is that the XXXX credit card company is reporting that my account was derogative on XX/XX/XXXX and it was delinquent on XX/XX/XXXX and XX/XX/XXXX. I am disputing these reportings because every month I have made payments except for the month of XX/XX/XXXX but I made payments on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I have a credit card account with XXXX 's, a small balance of XXXX $ left and my credit limit is only XXXX . I  receive at least 25-30 calls A DAY from this company. It is a different number each time, local area numbers and out of state, the collectors also try to call me by listing a private number to try and trick me into answering their calls. I am currently in a financial bind and my hours at work have dropped. I cant afford to pay the XXXX $ min payment at the moment and I have explained all of this to each rep I have talked to. I simply dont have it but each rep tries to force me to give them a date to pay in order to stop the harassing phone calls. I did that just so they could stop calling me. I plan on paying off this debt in the next 2 months but I ca n't at this point. Please help me stop these harassing phone calls 7 days a week, 3-5xs a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion violated my rights under FCRA. Transunion deleted a Chapter XXXX Bankruptcy on my credit report due to a dispute I submitted, however, they reinserted the Bankruptcy and did not notify me that it was reinserted. It has been over 30 days and Transunion failed to report it deleted and instead reinserted the Public Record. Do I have grounds to sue? Transunion notified me over the phone that they dont have to verify the Bankruptcy. Please see my attachments from XXXX XXXX showing it was deleted by Transunion. I also I contacted the court and they did not verify this public record so why does Transunion continue to inaccurately report. Its bias and discrimination.

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 2018-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, XXXX XXXX XXXX added two derogatory marks on my credit file per XXXX XXXX  The amounts were {$59.00}, and {$1500.00} dollars. Upon further research it was discovered that as of XXXX XXXX XXXX XXXX XXXX actually had their license revoked in Florida and therefore can not come after me for this debt. Also there was NO WRITTEN form of communicatiofor/ contract for these accused debts at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: Conn's, Inc.
State: TX

Complaint narrative:
cra violation XXXX has totally let the breach destroy my credit again 4th time conns, XXXX never late, XXXX not mine, and XXXX XXXX not mine id theft sent po report sent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CitiBank automatically set up a transfer from my Citi Forward card to a new credit card they created called the Citi ThankYou card. In the process of doing so they left bard cards active and set up a process of transferring purchases from one card to the other. Since both cards were technically active they then charged me duplicate interest charges. When I questioned them as to why I was charged interest on my Citi Forward card they said it was because it had a balance, yet they also said that balance was transferred to my Citi ThankYou card. I  had called them days before the interest was to be charged and they said to not worry about it and that no interest would be charged. But, when I called in after seeing they charge they told me the interest charge was valid. I feel like they are both taking advantage of me and also displaying inaccurate/confusing/malicious information on my account website. I also worry they are harming my credit score because of the 2 duplicate balances being reported. I 've attached screenshots where you can see I 'm being shown duplicate charges and duplicate interest on both accounts. They post that during transfer consumers will be shown inaccurate information, yet I have no way of knowing what is accurate as each time I contact them I 'm told something different.

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 2018-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: SC

Complaint narrative:
I was with Discover, got behind on payments. The situation escalated and I was getting sued by Discover we arranged payments and now the debit is paid. The problem im having is that Discover hired XXXX XXXX XXXX ( law firm ) to sue me which meant account never left Discover hands, i quote " Respectfully submitted, Discover Bank By Its Attorneys ''. So now that the money is all paid Discover changed my account from Closed to Current then the very next day Changed it to an charge-off with {$0.00} balance. How can you charge-off nothing? Only thing being done is Discover being vicious against me to hurt my credit. I been watching my credit reports, Discover only closed the account and hired XXXX to do the dirty work and now still trying to write it off as an charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a bank account with BBVA to receive a bonus of {$200.00} if I sent a direct deposit from my employer to the account. I was told, from the offer, that within 60 days the bonus would be posted if a direct deposit of {$300.00} or more was sent to my account. I was approved and set up my direct deposit. On XX/XX/XXXX, the direct deposit of XXXX dollars posted from my employer. I waited 60 days. The bonus never posted. I called and contacted the bank several times on XX/XX/XXXX and then on XX/XX/XXXX. I was told that the complaint was being escalated to corporate and to wait 24 to 48 hours. I have yet to hear back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-21 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: NJ

Complaint narrative:
I have a DISMISSED CHAPTER XXXX BANKRUPTCY ON ALL MY CREDIT REPORTS. It was filed mistakenly an attorney ( I onced used for a real estate closing ), on XX/XX/XXXX. It was filed and there was no follow up at all with the bankruptcy court at all. It shows on all my credit reports dismissed with a balance of {$0.00}. I asked my attorney why did you file the bankruptcy, he tells me that he believes he did not do it, which I believe he did by accident. Of course, the attorney is protecting himself even though his name is on the paperwork with the court. I have a good to excellent credit for a long time. My scores are in the range of XXXX or better. When ever I apply for credit for credit cards, car loan or a simple furniture loan of only {$1000.00}, I always get denied due to a bankruptcy appearing on my credit reports, even though showing its dismissed with a {$0.00} balance. It is really frustrating my life especially as a newlywed as I am struggling to start a family with my wife. I definitely do not deserve this and it is not fair when I have been always a 100 % excellent with all my creditors. This Bankruptcy is scheduled to appear for 7 years on my reports, XX/XX/XXXX to XX/XX/XXXX. I CAN NOT afford this for another 5 years disrupting my life moving forward. I have tried numerous times with the court, the attorney and the credit bureaus to solve this issue and all I get is the run around with no success removing the mistakenly filed bankruptcy.

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 2018-01-21 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: U.S. BANCORP
State: TX

Complaint narrative:
USBank Loan # XXXX I paid the loan off on XX/XX/XXXX ... including additional monies where a credit is owed. 
Based on Texas DMV site, Lien Holder must release loan within 10 business days. 

I have reached out to USBank with no response from their end on type of title ( Electronic or Paper ) and the amount of they owe me. My bank statements and screenshot on USBank 's site shows the payoff. 

In the meantime I have reached out to Texas DMV on my title information and have described same scenario, and should have response early next week. 

I would like a response from USBank on why the delay on both matters. Money owed back to me and my title since they are no longer legally a lien holder on my vehicle. 

I am attaching the last screenshot I made before having my account closed out online. Shows the payments made onXX/XX/XXXX. The amount they are showing owed is same exact payoff amount their phone system gave me. I paid the extra {$70.00} in case their system was incorrect like the last complaint I made with same company. 

Respectfully, 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 2018-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2017 XXXX XXXX added a collection of {$1100.00} dollars to my credit file per XXXX XXXX. I have previously tried disputing this accused debt due to them not having a contract. The account was removed, but shortly added back to my file. This happened without the five day WRITTEN notice, therefore XXXX XXXX was in violation. They are supposed to notify via written document that this was to go back on my credit file. They failed to do so, and could have to pay a violation fine of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have been making payments since XX/XX/XXXX, it seems they had no effect on my balance. further more the way Navient shows what my loans are, how many are how my payment is applied to them is unclear. when i had originally started payment i had over 60,000 in loans and i been making payment since XX/XX/XXXX but still it has not gone down one bit. it seems they are only applying my payments to my balance. Furthermore it took me to ask them about income driven payment plan before they offered it to me or gave other options. fr years they never mention it to me. all they did was give me forbearance. The way they keep my account and my loans is confusing, its unclear and very disorganized. i have no way to clearly understand how many loans i got. The statements they send in mail is inconsistent each month its a different balance or loan. Also i do not get my bills every month when i requested it be sent in mail on several occasions. They send sometimes only. They do not send my bill and statement every month like they are supposed to and charge me late fees. then apply my payments to the late fee and interest only so my balance has not gone down in 3 years of making payments. Like in XX/XX/XXXX i had a late payment but i never got a bill in the mail. I was on a forbearance and was not stated i had payments in XX/XX/XXXX. instead i got a letter saying my payment would resume on XX/XX/XXXX now i look at my account online and payments due on XX/XX/XXXX yet i have not received a statement or bill. This company is illegal in the manner they deal with borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

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 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

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 2018-01-21 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: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
Bull City Financial needs to be removed from all three of my credit reports. When I call the phone number to try and resove the dispute, the company never has agents available. It does give you the opportunity to pay your bill through the automatic phone system, if you have an 8 digit code ( which I do n't because I was never sent a letter or certified mail regarding this debt ). No humans can be found to take your call. ( XXXX ) XXXX this is the number, I find it hard to believe that the credit reporting agency can verify this debt when I ca n't even speak to a person. This debt is through XXXX XXXX, and it was assigned to my ex in our divorce decree.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Coinbase, a bitcoin exchange, charged my card 5 times for a total of {$410.00}. These were unauthorized transactions that happened over a month ago. Every time i reach out to them they said they can not issue a refund and dont know where my money went. Ive contacted them over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: TX

Complaint narrative:
cra violation inaccurate information id theft gov po report to 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 2018-01-21 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: OH

Complaint narrative:
XXXX XXXX XXXX needs to be removed from all three of my credit reports. When I call the phone number to try and resove the dispute, the company never has agents available. It does give you the opportunity to pay your bill through the automatic phone system, if you have an 8 digit code ( which I do n't because I was never sent a letter or certified mail regarding this debt ). No humans can be found to take your call. ( XXXX ) XXXX this is the number, I find it hard to believe that the credit reporting agency can verify this debt when I ca n't even speak to a person. This debt is through XXXX XXXX, and it was assigned to my ex in our divorce decree.

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