vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XXXX  place a levy on my account that should not have occurred. Called XXXX and they lifted the Levy. My bank imposed over {$250.00} in fees related to this because it caused my account to become overdrawn. They did not act in my best interest and still are acting maliciously. Even after calling them to find a resolution they continue to impose overdraft fees even though I never signed up for overdraft. They refuse to speak to me and now their collection department is harassing 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 2018-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
After participating for a year to year and half in repayment, they informed me ONLY after that my payments were late. I asked how that could be when I requested my due date to be moved to the XXXX of the month. They kept it on the XXXX. When I complained to them about it they said they would check the tapes and call logs and get back to me. They never did follow up. It was then I had heard on the news that they were involved in a class action suit for bad loan practices. I instantly lost trust in them. I never once got any Amortization statement or Holder of Loans or Truth in Lending. No one on their end was being held accountable for how I got taken advantaged of. They only hounded me for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: FL

Complaint narrative:
There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX  # XXXX  I am NOT liable for these two accounts these need to be removed off of my personal credit file.

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 2018-04-04 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: FL

Complaint narrative:
There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX  # XXXX  I am NOT liable for these two accounts these need to be removed off of my personal credit file.

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 2018-04-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are several personal information that are very old on all three credit report agencies that I have written letters to to have these information removed and/or updated to which responses have been sent back to me indicating that these information were removed. The following year once I've requested a new report I then see that the same old information reappears on the report. Particularly XXXX  has several times failed to verify my identity while I made attempts to apply for credit due to their systems still containing old information that I could not confirm/verify during phone calls. 

Any help in having this issue rectified would be greatly appreciated. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are several personal information that are very old on all three credit report agencies that I have written letters to to have these information removed and/or updated to which responses have been sent back to me indicating that these information were removed. The following year once I've requested a new report I then see that the same old information reappears on the report. Particularly XXXX  has several times failed to verify my identity while I made attempts to apply for credit due to their systems still containing old information that I could not confirm/verify during phone calls. 

Any help in having this issue rectified would be greatly appreciated. 
Thank you 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 2018-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
In XX/XX/XXXX, I had a medical procedure carried out at XXXX XXXX XXXX ( XXXX XXXX ), XXXX, XXXX by a doctor from XXXX XXXX XXXX and disputed the massive bills received, without response them. So I lodged a complaint with the XXXX AG 's office as I resided in that state at the time. In early XX/XX/XXXX I moved to XXXX so the AG transferred my complaint to the XXXX AG. For the purposes of this complaint, XXXX XXXX billed me on XX/XX/XXXX for {$5400.00} with a due date of XX/XX/XXXX. I received this bill on the same day I received a Delinquency Notice from Harris & Harris , Ltd of Illinois for {$6200.00}, made up of the {$5400.00} amount mentioned and an earlier claim for {$800.00}, which was subject to my original complaint.

So, either XXXX XXXX transferred a debt to Harris & Harris that had not reached its due date, or Harris & Harris are trying to scam me for a debt that is not owed and which is subject to an AG investigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: FL

Complaint narrative:
I have hard inquiries on my credit report that I have NO knowledge of dating back to XX/XX/2017! I haven't applied for any credit cards for the past two years! I didn't give anyone authorization to use my information to apply for ANYTHING!!

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 2018-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Golden Title Loans LLC
State: TN

Complaint narrative:
I received several phone calls on my cell phone. I talked with someone and they starting talking abusive to me, threatening to have me arrested, and threatening to file felony charges against me. Then they started calling my job and started threatening to call HR and let them know all the details of my loan. I asked them not to call my job anymore. So they continue to call my job and threaten to suspend my license. They called my job again and told them that it was a emergency and that they needed to talk to me right away. When the person that answered told them that I wasn't in my office and that I was busy on the floor they refused to hang up and said that they would hold until I got finished. They told her that they needed to fax over paper work and it would contain my social security number. They Lied and said they had filed a claim in court and gave me a court number but when I called the court there was nothing there.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On Friday XX/XX/XXXX, I received a call at work when theyhave my personal cell number, and they said that I was behind almosttwp months on my credit cards- XXXX and XXXX XXXX both through XXXX XXXX . The rep asked if I could bring both cards current and I advised her sure. I paid a payment of {$60.00} on XXXX XXXX and {$130.00} on XXXX. This was a automatic debit then and that day, as I have proof of my online services. However, I was notified last week that the payment wasn't posted until days later! I ave called and got no where with XXXX! I have never had a problem with them. But they have incorrectly stated that my account is still not paid and are showing falsified information on all three of credit reports. My score dropped almost 30 points becuase of this! Please, if you would like for me to submit anythig to you, youmay contactme at ( XXXX ) XXXX.I would like for my credit reports- all three to shows my account is not deliquent and is current. I do work for an atttorney 's office and if this can not be handled this first attempt, i do plan on filing a second method of dispute in Magistrate court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I initiated a credit investigation with Equifax and XXXX XXXX back in XX/XX/XXXX. We're now into XX/XX/XXXX, and I have yet to receive the results. I was supposed to have them inside of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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:
Account with Chase Card showing that it was open on XX/XX/2011 with a balance of {$390.00} submitted several requesting the information be remove due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: BB&T CORPORATION
State: NC

Complaint narrative:
OK so I have file to complain and try to get paperwork seeing where I supposedly applied for some kind of XXXX thing Im asking again for documentation with my signature on it that I have signed to apply for this I have never even been to this company or seen this company

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 2018-04-04 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: NC

Complaint narrative:
I initiated a credit investigation with XXXX  and Trans Union back in XX/XX/XXXX. We're now into XX/XX/XXXX, and I have yet to receive the results. I was supposed to have them inside of 30 days.

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 2018-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
We have missionaries in XXXX, XXXX, and XXXX that we have supported for years. We used to send funds via MoneyGram but starting last year they have blocked all attempts and we were forced to use XXXX XXXX, where we had no problem sending, just costs more. I have spoken to several agents at Money Gram including a supervisor who says there is no reason for my transfers to be blocked saying it is a local problem. I have gone to a number of MG agencies and all locations say money gram is rejecting the transfer. The supervisor agent said they can not tell me what their record shows as they might give false information. It is unthinkable I can be blocked from making legitimate transfers without a reason. Please investigate why MG is doing this to us and we want to disclosure for it. We are legitimate and highly credentials and people of honor, we do not deserve this type of inept treatment. This creates a hardship for our people in their country to not receive funds via MG instead of XXXX  or bank transfer. Plus it costs more. They were given good service for several years and then last year stopped allowing us to send funds to our people in our locations global. 


XXXX2018 is the latest time this rejection was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
There is a company listed on my credit file named Portfolio which I have never done business with, I have disputed this item and received a statement from XXXX XXXX in the mail which I did not have a prior account that went bad with XXXX XXXX and feel this is not verification and if it is, it is false information as again I never had a prior account with XXXX XXXX that I failed to pay. It is also listed It opened in XX/XX/2016 which is not true and accurate information. Needing help as again this is false information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Hello, I have hard inquires that are reflected on my credit report that I do not recognize. As a result of the numerous unauthorized inquiries, I will be locking my credit report and enabling life lock to protect me moving forward. Please see the following inquires below : XXXX XXXX/XXXX   XX/XX/XXXX - company unresponsive XXXX XXXX/XXXX XX/XX/XXXX - company unresponsive XXXX XXXX XX/XX/XXXX - did not authorize as I am a renter XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - Inquiry unauthorized - contacted company XXXX/XXXX XXXX   XX/XX/XXXX - did not apply for home loan XXXX XXXX XX/XX/XXXX - did not authorize no account linked to my credit XXXX  XXXX XX/XX/XXXX - did not apply for a home loan XXXX XXXX XXXX   XX/XX/XXXX - Did not authorize, did not apply for an installment loan - company very unresponsive XXXX XXXX XX/XX/XXXX - Did not authorize - contacted XXXX explained it's over the 2 year mark please remove. 
XXXX  - Contact information does not reflect on my credit report to dispute with the company, but have attempted to contact them via the internet. 
XXXX XXXX XX/XX/XXXX - did not authorize have reached out to the company failed attempt will contact once more XXXX XXXX   XX/XX/XXXX - did not authorize XXXX/XXXX XX/XX/XXXX - never heard of the company - did not authorize

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 2018-04-04 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: WA

Complaint narrative:
Hello, I have hard inquires that are reflected on my credit report that I do not recognize. As a result of the numerous unauthorized inquiries, I will be locking my credit report and enabling life lock to protect me moving forward. Please see the following inquires below : XXXX XXXX/XXXX XX/XX/XXXX - company unresponsive XXXX XXXX/XXXX XX/XX/XXXX - company unresponsive XXXX XXXX XX/XX/XXXX - did not authorize as I am a renter XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX - Inquiry unauthorized - contacted company XXXX/XXXX XXXX XX/XX/XXXX - did not apply for home loan XXXX XXXX XX/XX/XXXX - did not authorize no account linked to my credit XXXX  XXXX XX/XX/XXXX - did not apply for a home loan XXXX XXXX XXXX  XX/XX/XXXX - Did not authorize, did not apply for an installment loan - company very unresponsive XXXX XXXX XX/XX/XXXX - Did not authorize - contacted XXXX explained it's over the 2 year mark please remove. 
XXXX  - Contact information does not reflect on my credit report to dispute with the company, but have attempted to contact them via the internet. 
XXXX XXXX XX/XX/XXXX - did not authorize have reached out to the company failed attempt will contact once more XXXX XXXX   XX/XX/XXXX - did not authorize XXXX XX/XX/XXXX - never heard of the company - did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
XXXX XXXX/XXXX  charged off a credit card. 

the XXXX  credit report shows this. 

XXXX  and Experian credit reports have this same account listed as being in collections ... .two collection agencies ; XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX   these companies are one and the same I spoke to them both about the account being charged off/FCA and being the same agency ... .different names ... fraud ... ..they hung up

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 2018-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had a new Car Loan with Chase Bank, my then husband and I were both on the loan. He filed bk we divorced and in order to continue the loan I had to refinance the loan. I refinanced the loan with XXXX XXXX XXXX XXXX. I was the only person dealing with Chase, I had no address for my ex-husband, and Chase sent him the Title. He then took the title and registered the car in his name in the State of AZ. He threatened me if I did not give him the car he would report it as stolen. I went back to Chase Bank asked they why they sent the title to him? They tried to correct it, by requesting a duplicate title, but could not. Now I am stuck with a loan, he has a title that does not have a lien on it. I asked XXXX XXXX XXXX XXXX if I could do a voluntary repo, and then catch the note up and was told can not, because they do not have the title. Chase Bank caused all of this confusion, and this loan should be paid off by them, or they need to locate the car and return it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm in the process of obtaining a mortgage loan and three different companies have told me they get error reports from Equifax which has avoided me being able to move forward on the home purchase process. My home is ready and yet I can't move forward with a loan because Equifax states that there's nothing wrong with my report but no one, including myself have been able to access my report and score. I truly need help on this matter. I have been speaking to them on a daily basis since XX/XX/XXXX with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF INACCURATE ACCOUNTS WITH XXXX  XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX XXXX, APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Today is XX/XX/XXXX, I have contacted XXXX about two XXXX accounts updated than added to two accounts that were paid off. These accounts are all listed as charge off accounts when one that is listed XX/XX/XXXX and the other was XX/XX/XXXX. The accounts were recently reported XX/XX/XXXX. Documentation shows only two accounts owed funds and settled. 
Where is there a third charge off? There was never a third charge off. 
There only two accounts one for XXXX and the other for XXXX. 
One account is not reporting any credit information, this a duplicate. 
I don't understand, how Capital One continues to injury my credit standing when all account ( 2 accounts are settled ). 
XXXX and XXXX need to remove this dummy account. They will validate or provide this unknow credit account the third. 
Executive Managment- I have been communication since XX/XX/XXXX, no resolve. 


XX/XX/XXXX- XXXX XX/XX/XXXX-XXXX

Company response to consumer: Closed with explanation