vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
OnXX/XX/XXXX I was notified by XXXX XXXX ( a payday loan lender ) in XXXX, Arizona that I attempted to apply for a loan online onXX/XX/XXXX. I did not apply for any loan with any lender. It was fraudulent and a police report was filed. The XXXX Police Department took the report and provided a case number : XXXX  The officer XXXX XXXX urged me to provide the report to credit report agencies and to XXXX XXXX in XXXX. I supplied the information to all XXXX credit bureaus XXXX, Equifax, and XXXX. In addition to the information, I requested an immediate freeze on my credit. I notified the credit agencies on XX/XX/XXXX by phone and mailed the police report along with a letter stating the inquiry and address used in XXXX, Pennsylvania was not mine. It was identity theft. As of XX/XX/XXXX XXXX and XXXX removed the address used and XXXX XXXX inquiries from my report. However, Equifax did not remove the fraudulent inquiry or address used to commit identity theft. As of XX/XX/XXXX, Equifax is still showing the XXXX XXXX inquiry from XX/XX/XXXX and the address used to commit identity theft : XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. It 's been over 13 months and Equifax will not comply with the request to have the fraudulent inquiry removed along with the addressed used to commit identity theft using my personal information. I attempted a third time on XX/XX/XXXX to have Equifax remove the inquiry and Pennsylvania address from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: WA

Complaint narrative:
after my sudden discharge for the XXXX XX/XX/XXXX Myself and Family did experience a long period of homelessness. In XX/XX/XXXXfiled my income Tax for the year and learned it was Taken by the XXXX XXXX without explanation. I did pursue and completed the forms to get the information this is when I discovered That Army & Air Force Exchange Services ( AAFES ), had claimed all my moneys for Non-Tax Federal Debt. I took the necessary steps with the IRS XXXX to find out why. In approx. 30 day I received a Notice From AAFES Their intent to file for payments under the XXXX XXXX. This was after they had already taken action and had made no attempt to contact me in any form. I did acknowledge that I did owe the amount of XXXX. The Dept of the Treasury did send me notice that Four ( 4 ) Different payments were made to them ( Refer to attached ). So the IRS Did pay to AAFES XXXX  XX/XX/XXXXand XXXXXX/XX/XXXXof which only XXXX was owed. I have called and sent letters of dispute to AFFES and their XXXX XXXX XXXX which is part of AAFES several times and the amount owed keeps getting more and not corrected. I even pointed out the accounting Errors of where the totaled owed had XXXX  accounts already accounted for added back in. I did receive from them an accounting on my account which reflect XXXX  unaccounted for. I did send a letter explaining their mistakes and the form from IRS XXXX Reflecting the amounts. They did a investigation and will not change the fact they did receive the moneys, clearing up my account removing the False information from my credit report and to stop further collection actions. They have received an over payment of {$4100.00} and still want another {$2300.00}. This account paid in full XX/XX/XXXX and all interest charges are false, and do not apply. I would like my over-payment of {$4100.00} returned and credit cleared along with a letter directing IRS XXXX XXXX to cease collections.

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 2017-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
Five unauthorized ACH transactions were made to my bank account on XX/XX/XXXXfrom this company. Two for XXXX and three for XXXX. I did owe the company for an overdue loan, but I believe taking money from my bank account without my prior knowledge is illegal.

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 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
According to my credit reports from XXXX, XXXX, & XXXX, National Credit Systems is attempting to collect debt on behalf of XXXX XXXX XXXX. However, according to the Texas Secretary of State National Credit Systems does not have a bond for the state of Texas to collect debt. National Credit Systems is attempting an illegal practice of collecting debt in the state of Texas.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I received a letter from Chase informing me that they were transferring my funds from both checking/savings accounts to the state the last week of XXXX, 2017. Since the letter had to be sent via airmail, I had a very little time to stop them. My accounts had been inactivated so I had to make an international call to spoke to their customer rep. Although that phone call stopped them from transferring my funds to the state, my accounts were remained inactive despite their promise to reactivate within 2-3 business days. I told them I would rather close my accounts than reactivating them since it was getting harder for me to maintain my accounts from overseas, which they told me to file a request from their website after they reactivated my accounts. But apparently, they had deleted my ID and password, and I could n't log in. Each customer rep told something different, some of which sounded rather questionable and knowledgeable.
My accounts had remained inactive for 4 months, then out of the blue I was told that my accounts have been reactivated AFTER I had been trying to CLOSE XXXX my accounts. I even sent my notarized request via fax just like what they told me to do in order to close my accounts. I chose to fax it instead of mail it due to their lousy service ; I had to take a trip to the US embassy in XXXX and paid {$50.00} to have my request notarized. I did n't want them lose it ; I had no more trust in their ability to do their job. I would NOT want to take another trip to the embassy and pay another {$50.00} to have another request notarized, which is I think is the likely scenario considering.
Now, they are telling me I must " mail '' my notarized request, that faxing wo n't do, which is the first time I heard. They said I could either fax it or mail it. And I chose to fax it because their words can not be trusted, NOT ANYMORE after all this. I do n't want to spend any more money trying to close my accounts. I did tell them I would be contacting CFPB as my patience was wearing thin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: KY

Complaint narrative:
This complaint is regarding fraudulent transactions that were made by someone residing in another state on my Direct Express Debit Card on which I receive my Social Security payments.These transactions occurred on XX/XX/XXXX, XXXX, and the XXXX, 2017. I contacted the company and advised them that I had not made these purchases, as I reside in a different state, and have never visited this particular state, and my card was currently in my possession. The amount on the XXXX was for {$2.00}, on the XXXX it was for {$32.00}, and on the XXXX, there were 3 separate transactions ; one for {$150.00}, one for {$250.00}, and one for {$42.00}. The total of all these is {$480.00}. I attempted to dispute these transactions in the manner the company advised me too, but it took 15 attempts to even speak to someone in the fraud department. After I was able to reach someone I was advised that I would have to wait for the charges to clear before I could dispute them. I waited until they showed settled on my account, called back, heard the same " we are experiencing heavy call volumes, try your call again later ''. I heard this at least 10 times AGAIN before being able to speak to someone. I was told that a form would be mailed to me and once I filled it out and the transactions were checked into, I would have my money back. I filled out the form and FAXED it to them. I called to see where my money was and they said they just got the form! That 's not true as I have the confirmation sheet that it was sent successfully. I spoke to a lady by the name of " XXXX '' and she gave me her extension. I called back to speak with her as she informed me that I could on the last time we spoke, only to find out that she had been fired. I 'm not a rich person and I need my money back. This company is not a good one at all. i XXXX them and was horrified to see how many people are in the same position that I am in, and have n't gotten money that was taken from them years ago. Direct Express needs to be held accountable for what they are doing to people on Social Security, XXXX, and other government benefits. If this card is FDIC insured, i as well as these other people should have had their money back by now. This card is NOT safe, its not secure, and its not a good choice for people who receive benefits of any kind.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX/XXXX/2017 I checked my credit card account online and saw an unusual charge of {$1200.00} had posted that day from a store I had never heard of. I called Citicards to inform them of a fraudulent charge. The agent said it was ok to keep the card open and I wo n't be responsible for this amount.
The next day I got an automated call from Citicards fraud system asking about a suspicious charge of {$1800.00} at another store. I responded that it was fraud and the card was terminated. An agent called and issued me a new card.
Four days later I checked my account and saw that the first charge from XX/XX/XXXXfor {$1200.00} was added to my credit card balance. I chatted with citicards online and the agent said nothing was done with this amount as far as disputes or flags go. He put in the dispute wrong as " goods or services not as expected ''. I called Citi on the phone and after several transfers got connected to a higher-up who said the whole thing is now a mess and should not have happened this way. The card should have been shut off the first time I called the charges reversed. He was going to do some paperwork on it and it will be a while until it 's resolved but it will be fixed.
Two days later I get a dispute letter from Citicards in my email needing a signature. I dispute letter says : Reason for dispute- Goods or Services not as Expeted. I respond to the email stating that I wo n't sign the document because it is wrong. The goods or services were never even purchased by me, it was fraud.
A few days pass and I get another email from Citicards with a new dispute letter that has a blank line for reason for dispute. I fill it in with " fraudulent charges '' and sign it, mail it, and hope for the best.
Today, a month later I get an email from Citicards saying the dispute was in favor of the merchant and I will be responsible for paying the {$1200.00}. I call Citicards a few different times throughout the night and get all different explanations on how their dispute system works and how they do their investigations and get completely different answers for each person I talk to. The guy in disputes says that fraud charges do n't get disputed, they get flagged. The guy in fraud says fraud charges get disputed.
Not once during their " investigation '' did they contact me for anything other than a signature.

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 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report on experian.com is showing under my personal information that I have an alias called " XXXX XXXX ''. That is not my name and I have never used that name in relation to any financial legislation. I have witnessed this false information on experian.com under my credit report on X/XX/17.

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 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report on XXXX is showing under my personal information that I have an alias called " XXXX XXXX ''. That is not my name and I have never used that name in relation to any financial legislation. I have witnessed this false information on XXXX  under my credit report on XXXX/XXXX/17.

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 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit report on XXXX is showing under my personal information that I have an alias called " XXXX XXXX ''. That is not my name and I have never used that name in relation to any financial legislation. I have witnessed this false information on XXXX  under my credit report on XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX XXXX XX/XX/XXXX made an appointment at my home address with 5 Star Sales Representative XXXX XXXX  XXXX. On this day he prepared a written estimate for a new roof on my home at the same address. This written estimate was for a complete job valued at approximately {$7700.00}. At the same time XXXX XXXX put me in contact via phone with XXXX XXXX Sales Manager XXXX. XXXX XXXX  informed me that I was qualified for a loan. She stated that she would send me an email with financial paperwork, which she did. This paperwork was to be sent back to her via fax. She stated to me on the phone and in the email, that she would follow up with me the next day. This would be a phone call to discuss which loans I qualified for and repayment interest. At no time did XXXX XXXX mention a credit card. She Never called back to discuss any financial matters Nor did I ever return any financial paperwork to her office.
I looked at my credit report on XX/XX/XXXX and was shocked to see a credit card in my name from Synchrony Financial. I, XXXX XXXX XXXX, never applied for this credit card. I have never received a booklet from Synchrony Financial bank regarding interest or repayment information. I never received a credit card agreement from XXXX XXXX or Synchrony Financial.
I did not her from XXXX again until XX/XX/XXXX asking me if I was ready to schedule a time for the roof to be installed. At this time I informed XXXX XXXX that she applied for a credit card in my name without my knowledge when I was inquiring about a loan. I never retuned any paperwork to her office, nor did I ask for a credit card. XXXX XXXX never followed up with me regarding a signature page to open any line of credit ; loan or otherwise. I never received an interest quote.
5 Star and XXXX XXXX opened this credit card account in my name without my knowledge, which is fraud at the very least 5 Star misrepresented financial services.
I closed this account on XX/XX/XXXX.
I started a fraud investigation on XX/XX/XXXX.
I am requesting this account be removed from ALL of my credit reports because I had no knowledge of it prior to its opening, nor did I personally agree or apply for this card.
I, XXXX XXXX XXXX, did not open an account with Synchrony Financial.
I, XXXX XXXX XXXX, had no knowledge of this account prior to me receiving the credit card in the mail.

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 2017-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Darnel Quick Recovery, Inc.
State: GA

Complaint narrative:
I have disputed this thru XXXX and they still will not remove this account. The original creditor is a XXXX XXXX Hospital. I do n't live in XXXX and I 'm not really sure I 've even drove anywhere near there let alone went to a Hospital 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 2017-07-30 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: I.C. System, Inc.
State: FL

Complaint narrative:
Ic systems inc is not licensed to collect a debt in the state of Florida as i checked and they do not exist. I tried to file a complaint through the Better Business Bureau again this company does not exist. You cant get in contact with them as no one answers the phone. I do not have a contract with them nor have i received any type of communication from them about alleged debt that appeared on my ctedit reports to all XXXX credit Bureaus.
They are reporting fraudulent information and accusations concerning a debt that i have no knowledge of. This is a violation of fcra rights and laws. This is an unacceptable practice that is hurting my credit.

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 2017-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
Lost job couldnt afford payments Company picked car up from job Sold car now debt is owed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I co-signed with my niece on a XXXX bar study loan in XXXX. The initial lender was XXXX XXXX which branched off to Navient. Repayment of the loan beganXX/XX/XXXX. My niece requested deferment of the loan and I started sending a remittance of XXXX per month XX/XX/XXXX The interest rate was XXXX and variable. After noticing very little of the remittance was being applied towards the principle, I called Navient. They explained to me that the loan had a variable interest rate. As ofXX/XX/XXXX, the amount due on the loan was XXXX with an estimated payoff date of XX/XX/XXXX. At this rate, the loan would never be paid off since only XXXX had been applied towards the principle over a 5 year period. As a result, I paid the XXXX in full on XX/XX/XXXX to avoid paying additional interest. I am respectfully requesting that your organization look into the loan practices of Navient. After almost 5 years of payments at XXXX per month, I should not still owe almost 15,000 on an original loan of {$15000.00}. Your prompt attention in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Accounts Group, Inc.
State: NC

Complaint narrative:
child support paymebts are currently up to date but still reporting negative

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MI

Complaint narrative:
There are XXXX collection accounts listed on my XXXX, XXXX, and XXXX credit reports. XXXX collect accounts list, I C System, as being the collection agency. I C System is not licensed to collect on debts in the state of Michigan. Therefore I am disputing XXXX entries.

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