vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-10 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:
in the last 5/6 years i have had 3 break ins, of my personal property, thieves getting their hands on my personal identification. The last break in, the officer told me they saw a spike in what they consider, non- violent criminals released back on the streets, resulting in crimes like mine. that does not include a data breach, after my XXXX in the hospital, and even better, Equifax breach, ( which the judge declared, completely preventable ), and XXXX XXXX breaches. This has affected me so terribly in many ways. Equifax as the other bureaus are supposed to be information, reporting agencies, not investigative agencies, or XXXX the American public agency, which is what they do, XXXX the American people. A " dead '' corporation, that exists ONLY on paper, deciding what and if they will follow the law, such actions, " XXXX XXXX ''. When i filed my dispute, i thought my " dispute '', was with the " alleged '', creditors, i stupidly did'nt realize Equifax had a interest, in my personal, private business affairs. I have written them for years now a waste, money, and time consuming events, that has taken its toll. I will not dispute any more information, with this XXXX, called a credit bureau, but will spend my time, in courts, sueing these XXXX, trying to get a proper answer, to what gives them the authority, to overide our Constitution, and impair my ability to contract, Article 1, Section 10, clause 1. I have the supporting documents, them responding to me, by saying they will not follow the law and block, such information, but turn it over to the alleged creditors. How and why they are allowed to operate, please XXXX, others comments, on the internet, is pale to me, but if our Governmental agencies are powerless to get them to act as a, reporting ageny, instead of a police organiaztion, heaven help us. Do i have time to be sueing theses XXXX in court, NO, BUT I WILL MAKE TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
I received a letter from American Adjustment Bureau , Inc. of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CT XXXX in XX/XX/XXXX notifying me that I owe {$42.00} to XXXX XXXX XXXX. I called and left voicemails in XXXX, XXXX, and XXXX of that year notifying XXXX XXXX, at the contact information listed on the payment request, that the debt could not possibly belong to me. I have never been a patient of XXXX XXXX, nor did I receive any bills from XXXX XXXX prior to receiving the collections notice from AAB. I asked for proof of the debt, including the date and details of the medical service provided. I left my phone number and email address each time I called, but have never received any further communications from XXXX XXXX or anyone at AAB. In XXXX, XXXX began reporting the delinquent debt. I disputed it with XXXX. The account now has a note that " Consumer disputes this account information '', but it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: NE

Complaint narrative:
In XX/XX/2018 I was the victim of identity theft where a person stole my entire wallet and proceeded to run up {$21000.00} of expenses on my XXXX credit card. Upon discovery that my wallet had been stolen, I immediately contacted the XXXX XXXX Police Dept. and filed a theft report the following day. I filed a claim with XXXX that my card was the subject of fraud and identity theft. XXXX is the only credit card in my stolen wallet that refused to remove the fraudulent activity from my account and is holding me liable for the charges. I have disputed this negative reporting with all 3 credit bureaus and supplied substantial documentation that I was the victim of theft, identity theft and fraud. None of the bureaus have removed or blocked the XXXX account from being negatively reported as required by law.

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 2019-08-10 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: NE

Complaint narrative:
In XX/XX/2018 I was the victim of identity theft where a person stole my entire wallet and proceeded to run up {$21000.00} of expenses on my XXXX credit card. Upon discovery that my wallet had been stolen, I immediately contacted the XXXX XXXX Police XXXX. and filed a theft report the following day. I filed a claim with XXXX that my card was the subject of fraud and identity theft. XXXX is the only credit card in my stolen wallet that refused to remove the fraudulent activity from my account and is holding me liable for the charges. I have disputed this negative reporting with all 3 credit bureaus and supplied substantial documentation that I was the victim of theft, identity theft and fraud. None of the bureaus have removed or blocked the XXXX account from being negatively reported as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have noticed once I went on repayment based on my income, my statements no longer show interest accumulated on a month to month bases. Also noticed it does not show the extra payments being paid. My balance does not show a difference after payments were made. 

I also am noticing my subsidized account is not dropping and the interest is accumulating and unsubsidized loan shows a very small payment. I have made payments that would cover both loan interest for a month. Instead my student loans are barely dropping. My understanding is my interest should be around {$300.00} to {$350.00} but when I have paid {$400.00} a month the payment is only being made to the unsubsided account. 

I was lied to on the phone because prior to my paying my loans back, the website showed my monthly interest. My payments are not being applied to all my interest cause the interest is going up not down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2018 and XX/XX/2018, I noticed that my Bank of America Credit card account had unauthorized charges from XXXX " XXXX ''. There were total 7 transactions, totaling {$32000.00}. 

This was part of a much larger issue of my account being hacked and charged fraudulently for about {$100000.00}. When I noticed all the transactions, I found out who the merchant was and called them ( I dealt with the merchant prior ). The merchant said he did not put any of the charges on the card. He called his credit card processor-XXXX and almost all of the charges were refunded to my account. 

The 7 charges from XXXX were never refunded and XXXX could not refund them. I immediately called Bank of America and told them these were unauthorized/fraudulent charges. Bank of America, however, did not reverse the charges and never refunded them. They are still on my account. 

I am making this very clear. The charges by XXXX on my account were fraudulent and in no way authorized by me. I have not in any way ever authorized these charges on my account. These were not " disputed transactions '', they were simply erroneous/fraudulent transactions that should be removed from my credit card 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 2019-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
See complaint : XXXX SUBMITTED ON XX/XX/2019 PRODUCT Debt collection ISSUE Written notification about debt Original complaint was submitted with the credit bureaus on XX/XX/XXXX. 
No communications was sent by Midwest recovery XX/XX/XXXX submitted complaint with CFPB As of todays date XX/XX/XXXX, I have received no written communications as to which showing the original creditor or any written notifications from midwest Or its clients. 
The debt collector has failed vied any documentations to consumer. 
30 days has passed since the original dispute to the bureaus. Credit collections reporting on my credit report shall be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: CA

Complaint narrative:
Experian has a lot of wrong information and sticking to them I disputed it many times but Still it is there Im tired from them. 
The wrong info doesnt allow me to get a loan or a credit card It says bad and false info on my report to prevent me from progressing in my financial life. It caused me to not have a credit by making my profile untruthful and unreadable. 
Any creditor avoiding to trust me because of false info that the Experian spread it!!! 
Please help me out I need to save my life from all inaccurate information that Experian is reporting purposely.

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 2019-08-10 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: PA

Complaint narrative:
My sister XXXX XXXX applied for the XXXX XXXX XXXX , XXXX timeshare on XX/XX/19. I was only supposed to be added to the deed since she was the owner and not have a hard pull inquiry on my credit report. They put a mortgage loan in my name without my authorization and consent. It was agreed upon to be in XXXX 's name. When I got home the evening of XX/XX/19 I had received an email that stated a new inquiry was added to my Equifax report from XXXX XXXX XXXX. I specifically told them I DO NOT authorize to have my credit pulled because I DID NOT want a hard inquiry. I was told by the sales rep that we were being recorded and that would not happen. My sister XXXX since rescinded the contract and cancelled the timeshare. I called the company and they refused to remove the hard inquiry from my credit report. This is fraud and I did not authorize them to check my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: SC

Complaint narrative:
I dont have the exact date, but I did spoke with someone and they stated that since it was over 90 days since the account was closed it was nothing that they could do since it was turned over to the creditors. The account been was suppose to be in my sister name but they didnt changed it on there end. So when she went in XXXX of 2018 instead of her paying the bill she had gotten another phone. So they just had closed the other account. I didnt know until I received a collection letter in the mail stating I owed them and that's when they told me it was nothing they could of done since they never had put it I her name and that it was already closed. The amount is {$430.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sent 2 payments XX/XX/19 ( {$180.00} ) and XX/XX/19 XXXX {$740.00} ) via Bank of America XXXX to a phone number but it was incorrect by one digit. I contacted Bank of America as I discovered the person I meant to send the money to never did and made a claim with Bank of America. 

They contacted the party who received the money incorrectly ( who is also a Bank of America client ) and they are refusing to refund the money that was incorrectly transferred to them. My bank says they cant credit his account or do anything for 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 monetary relief
Consumer complaint received 2019-08-10 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: CA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 non-monetary relief
Consumer complaint received 2019-08-10 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: CA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: CA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 non-monetary relief
Consumer complaint received 2019-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: WA

Complaint narrative:
Hello! 

To whom this concerns, I applied for and received a loan in the amount of {$800.00} from " SpotLoan '', a financial agency located in North Dakota, on XX/XX/18. In doing so, I was sincerely unaware of their APR and other fees associated with this loan. To date, over {$1600.00} dollars has been collected from Spotloan, from my checking account, bi-weekly. I put a stop payment on my checking account, in an effort to assess just why SpotLoan had been collecting more than I had originally understood to be collected. In summation, more than ENTIRE AMOUNT BORROWED had been re-couped from SpotLoan. THAT in ITSELF would be unjust and unethical. I would like to assistance in handling this loan, and to see if CFPB would be willing to settle on my behalf. To me, collecting the same amount in interest as the original principal amount would fall under " unfair business practices ''. Thank you for any and all help. Please contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Chrysalis Holdings LLC
State: IN

Complaint narrative:
NewDay USA rep erroneously stated that I do not have an existing credit file because he is a rude rep in my opinion and doesn't appear to have any integrity. This company continued to pursue me for loan even after there false statement concerning my credit report. The statement is extremely inaccurate. I explained to the rep Mr. XXXX XXXX on numerous occasions that I am currently in a loan and have had a credit report for almost 40 years and that I am in a VA loan currently yet he insisted that I am a " XXXX XXXX   '' on all credit reporting agencies sites. This statement is false as I have just closed a personal loan and I am in the process of refinancing my VA loan. I told Mr. XXXX on XXXX that I am refinancing my loan through my current loan provider and yesterday, and today I got a denial letter stating I don't have a credit file. I think he and ND felt rejected and this denial letter was their way of retaliating. They ( NewDay ) were even XXXX enough to write down what I know to be false. Mr. XXXX couldn't help to mention that he has " never seen this before '' referring to that I supposedly on his end am showing " no credit report '' from the credit bureaus. Amazing or not!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I submitted disputes to LVNV, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX  balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.

Company response to consumer: Closed with explanation