vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
XXXX and United collection service are letting thousands of dollars in XXXX county fire rescue bills be double billed just different prices we XXXX  is wanting me to file a third dispute when after closing the first they after me calling removed one

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: GA

Complaint narrative:
Equifax Credit Bureau is refusing to follow the 5 Days REINSERTION LETTER. I had a debt that was removed and deleted from my report ( XXXX XXXX XXXX {$1500.00} ) I applied for credit and noticed that the reason I was denied and the reason my score decreased by 100+ points were because of a collection debt, which is XXXX   XXXX , same creditor same amount that was removed previously.. So, I questioned the company why I did not receive an reinsertion letter? They're not giving me any responses. They just keep saying that they will begin an investigation but my concern is why every year I have to do an investigation on the same debt and why they are not communicating with me before they start adding deleted items on my credit report? This is my life and credit is a major issue in todays society. Please help me with my further steps ... I have contacted Equifax Management team, Fraud Dept, Equifax Disputing Dept and they are putting me on 50+ minute hold times and they hang up and say well the law is 30 day investigation. I'm saying and the law says 5 day reinsertion they ignore me on that law and Act ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: GA

Complaint narrative:
XX/XX/2018, prior to obtaining a auto loan, I checked all 3 credit bureaus reports, as there were major discrepancies in my pre-approval XXXX  and XXXX score ( s ) ... 670-672 -vs- my monthly monitoring of actual scores results XXXX. 
Of the 3 credit major credit bureaus, Experian was only agency to include multiple errors. Multiple ( 5 ) accounts from my father 's ( Senior 's ) credit file ( credit card accounts ) were reported as mine, and applied to my ( Junior 's ) credit file/report. 
After consulting my parents, my mother ( auth.user of accts ), contacted the card companies, and each denied reporting the errors, each stating that they did not have my ( Jr 's ) personal information ( social, DOB, etc ) that would even allow them to make such reports/errors. 
All erroneous accounts were disputed with Experian as " not mine, not authorized user ''. ( I also signed up for Experian monitoring service to more easily monitor this problem ). 
Experian very quickly removed all of the errors, and sent me update stating corrections completed, file has been updated. 
However, on XX/XX/2018, when applying for an auto loan with XXXX XXXX, XXXX XXXX, etc ... all debt errors ( $ 24,000+ ) was still reported as mine, therefore causing my 'debt ratio ' to be vastly incorrect, and as a result, 4 auto loans companies have denied me credit stating " credit card debt too high ''. 
Hard inquiries are now present ( expected ), with very negative results ( not expected ), and long term results that should have never occurred. 
Today, XX/XX/2018, I was going to print, and send copies of Experian credit file errors/corrections to the 4 loans companies, in hopes that it by some miracle, it would help me, although very doubtful, now that they have a negative image of me. 
However, in trying to do so, only one of the many corrected disputes are showing as having occurred. Obviously, this will be in total contrast with the report ( s ) the auto loan co. 's have on file. 
Three of the five corrections were with same company ( XXXX XXXX XXXX  ). I don't know if this has anything to do with the lack of 'corrected results ' showing. However, when Experian reported errors as mine, they were reported individually, therefore should be shown as corrected individually. 

Thank you very much.

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 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
We have been receiving multiple phone calls daily from a debt collector trying to collect a debt I do not owe. They call my number looking for someone with my name but the other identifiable information they have is not mine. They ask me if the last four of my social matches their system and I tell them it does not. Today, I was asked if I lived at a certain address but I do not nor have I ever. I have advised them to remove my number from their list and that if they do not, that I would report them. I received a second call today and asked for their information. The caller said his name was XXXX XXXX. He works for XXXX XXXX XXXX. His phone number is XXXX ext. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, Back in XX/XX/2018 we were looking to buying a home and contacted Wells Fargo Home Mortgages On XX/XX/2018 XXXX XXXX from Wells Fargo Home Mortgages charged my Credit Card {$530.00}. He said I had to pay for Appraisal and only after my credit card was charged did I receive the " Loan estimate '' that is dated XX/XX/XXXX, I will attach the Wells Fargo Home Mortgages Loan Estimate with date of XX/XX/XXXX and my credit card statement showing my credit card was charged XX/XX/XXXX. 
I have removed the account number, the Consumer Financial Protection Bureau website saying that the only fee they can charge is Credit report fee and the fee listed for the Credit report is {$15.00}.

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 2018-06-18 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XX/XX/2018, I discovered that my personal information was used to open a business credit card and used to attempt to open a business loan at Navy Federal Credit Union by my former employer. I contacted Navy Federal to inform them that the account opened and the account attempted to be opened was not mine and they sent me the proper documents to dispute the account and the charges made. After I successfully completed all required documents and they completed their investigation, they still ruled that the fraudulent account was mine, which indeed it is not. I have a police report and FTC Fraud affidavit and I would like them to stop badgering me for an account that was clearly opened fraudulently and I have the proper documents to prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Hi i checked my mail and i received a letter it said that my account will be closed and they didn't explain why it will be closed and i haven't done anything wrong my accounts are in good standing and they will close my ally bank on XX/XX/2018 and refuse to tell me why .... and i have few pending deposits coming in to my accounts and i need the money .... i have open a dispute on two ACH transactions and this could be the reason why they closed my account and i dont like the way ally is handing these disputes they take too long to resolve and all they had to is do a chargeback but they didnt do that i will now take my business elsewhere ... i never reported fraud or request for new debit card so i dont know why there are closing my ally bank account ....

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 2018-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2018, I tried to reopen my account at Bank of America due to my previous account with Bank of America paid in full account number XXXX. Representative XXXX of Bank of America deny me a new account without adverse notice.

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 2018-06-18 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: CA

Complaint narrative:
I have following issues : First, I applied for a Credit Card with XXXX on Friday, XX/XX/2018 and I was told that it was a soft check on my credit. I have a XXXX FICO score and I was told I was not approved because of too many Inquiries when I called XXXX XXXX  as to why I was denied. 

Secondly, I was not aware of many inquiries I had on my Report so when I checked my Experian Credit Report this morning I found that XXXX XXXX  had listed me as a Hard Inquire so I called them and told them this was supposed to be a soft check but they had said well XXXX told you the wrong information and they couldn't do anything to take that inquiry off. 

Thirdly, when I checked inquiries I also found that XXXX XXXX XXXX, XXXX online had brokered out to a couple other XXXX XXXX XXXX XXXX XXXX to add more inquires that I did not authorize and when I called them they said we cant do anything to take any of the inquiries off and when I called Experian they were no help in this regard because they state " You cant Dispute an Inquiry ''. 

In closing, I feel like there is no advocacy for the consumer other than this platform and I need help in resolving this.

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 2018-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XXXX I purchard XXXX XXXX XXXX From XXXX XXXX XXXX.. 
At time of Purchased I gave two deposits one for {$400.00} from XXXX and second for {$500.00} using my XXXX XXXX XXXX / XXXX XXXX XXXX.. 
After investing XXXX in repairs I find out the car needed additional {$920.00} in mechanical safety repairs that the dealer refused to repair acourding with NJ MV inspection Rules ... 
At that point I returned the car on XX/XX/XXXX to my selling dealer. 
On XX/XX/XXXX My selling dealer XXXX Paid off my installment contract with XXXX Canceling and Voiding this whole deal and any oplagations to said car. 
Since then I have recived my first deposit from XXXX card for {$400.00} Howerver my XXXX XXXX is holding me to the orginal contract that states its a none cancelable contract actording to the seeling dealer however the dealer has canceled the deal making all deposits refunable ... 
The issue I have is with XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Refusing to issue a full refund in the amount of {$500.00} do to a voided purchard of Merchandise ( ie : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: IL

Complaint narrative:
My address still shows old Tennessee information. The address says my current address with a PO Box and home address in XXXX Tennessee. The previous address shows my current information where I live now is shown as previous address. They have this information backwards!

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 2018-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2018 @ approximately XXXX I made a cash deposit through the ATM at the TD Bank Branch, XXXX XXXX. The machine took the money and then returned some. During the transaction and after keeping {$1500.00} - {$1500.00} the machine stopped an error message appeared my card was kept and no receipt given. 

I went to branch the next day and was told 3-5 days to solve, then 5-10 days now way past that time I received a letter stating there was " no error ''. I am not permitted to speak with the person making the decision, but was told they " reviewed '' the video and that's it. No documentation, no audit of the machine, no acknowledgment that my card was taken. Bottom line TD does what it wants and I'm out {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
I called XXXX XXXX 's customer service several times on and prior to XX/XX/2017 to get information about repayment options for my student loans. Each time I have called, I asked if it was possible to decrease the amount I pay monthly or establish an income-based repayment plan. Every single time I have called I was told by XXXX XXXX customer service employees that there are no income-based repayment options. XXXX XXXX Customer service representatives have told me that I only have two options. According to XXXX XXXX, I must pay the amount XXXX XXXX sets or I must pay a fee to have my loans go into forbearance. Forbearance allows my loans to accrue interest and the forbearance fee is high. XXXX XXXX 's forbearance option is not a reasonable means of solving my problems. My XXXX XXXX repayment fees are too high every month and XXXX XXXX has refused to provide reasonable repayment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I requested my public records be suppressed from reporting through Lexis Nexis and was granted my request on XX/XX/XXXX who reports to all 3 major bureaus. in XX/XX/XXXX I filed bankruptcy and noticed it was reported to all 3 credit bureaus 4 months after I was approved to have them suppressed from reporting. I have spoken with them on several occasions and they have been giving me no answers to how this could have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: TN

Complaint narrative:
On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XX/XX/XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX/XXXX   2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXXXXXX 7.  XXXX XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from 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 2018-06-18 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: TN

Complaint narrative:
On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX   XXXX- XXXX 3. XXXX XXXX XXXX- XXXX 4. XXXX XXXX XXXX- XXXX 5.  XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my 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 2018-06-18 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: TX

Complaint narrative:
In XX/XX/XXXX a charge off account was 'DUMPED '' on my personal credit report. It was a XXXX credit card for a company, XXXX , XXXX, which I was one of 3 owners of. However, I did not operate this company, a person by the name of XXXX XXXX did. He was one of the owners and had 100 % operational duties. It appears as though he secured the credit card in XX/XX/XXXX and paid it on time thru the business checking account until early XX/XX/XXXX. XXXX never once sent me a notice this card was late, or being charged off, even though I was currently doing over $ 500k of business with XXXX. I have disputed this card since it " appeared '' on my credit file with all 3 reporting agencies, demanding that I be shown where I requested, authorized, or signed for this credit card. To date, I have not seen the application. However, even though I have disputed this account numerous times, I am only told that XXXX " determined it was mine ''. When I ask how they did that, I am never told. The only way to verify it as mine would be for XXXX to produce the actual application with my signature on it. They have not, but the agencies still " assume '' it is mine and takes XXXX 's word for it. I have a right to see the application with my signature, and the credit reporting agencies do as well, if they are truly going to verify the account is mine. Otherwise, it must be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have recently just checked on my credit score on XXXX XXXX and my credit score was affected by a hard inquiry that someone has recently made on my credit score stating on my credit report that someone has opened a PayPal credit account without my permission. Which showed as a hard inquiry on my credit report and made a low impact on my credit score however this still affected my credit score even if it is a low impact. This happened because someone opened a credit account under my name without my permission, knowledge, and consent. I do not know who had opened a credit account using my name.

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 2018-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I received the following message from XXXX XXXX when I asked to receive a copy of my last statement, since not received : " Please keep in mind, there is a {$25.00} research fee for that request. 

Please mail a check made payable to XXXX XXXX, in the amount of {$25.00}.

Please mail the check to : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I HAD A XXXX I HAD XXXX COVERAGE ON THE ACCT THE BANK XXXX XXXX REWFUSED TO ACTIVATE THE INSURANCE THAT SHOULD OF PAID THE ACCT THEY HAVE SENT THE ACCT TO A COLLECTIONM AGENCU MEANS THE BANK HAVE COMMITTED FRAUD THEY SHOULD BE PUNISHED

Company response to consumer: Closed with non-monetary relief