vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/19 I requested a credit increase from my XXXX Credit Card. When I filled out the request from them, it did not state they would be pulling my credit report. A hard inquiry was made today, XX/XX/19, from CBNA/XXXX on my credit report. I did not authorize them to do this. I would not have made the credit increase request if I would have known it would give me a hard inquiry!

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 2019-04-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX/XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 16 and pages 19 - 22 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: GA

Complaint narrative:
On XX/XX/XXXX and XXXX, 2019 a company by the name " XXXX XXXXXXXX XXXX '' just popped up on my XXXX, XXXX, and Transunion credit report file. The original debtor is XXXX XXXX XXXX! This account does not belong to me, as all my bills have always been in my husband 's name. When I try to contact XXXX XXXX XXXX, my calls are not be accepted, their recording says their too busy to take my call. I have filed a dispute with XXXX and Transunion.

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 2019-04-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 16 and pages 19 - 22 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5.  Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Multiple issues with Equifax. Most recent is regarding two items reported as derogatory by XXXX XXXX XXXX where the creditor has refused via phone to validate the debt in writing and also has not responded to the written request to validate the debts within the required time frame of 30 days per the Fair Credit Reporting Act. I was advised by the Equifax rep that I would have to file a complaint with the police first for them to acknowledge these claims, Even though I provided Equifax with supporting documents that validation of the debts was requested. ( As I also reported to CFPB previously ). This was a surprising request and not one required by the other two agencies. I did attempt to file a complaint with my local police but was advised the request by Equifax was unusual in that the federal government had specific guidelines that had to be followed regarding the validation of debts and if this creditor could not prove that had been done timely then that should be all that was needed. Also, that this was a civil matter and not criminal. 
Also, every time I have opened a dispute with Equifax, my credit score is reduced. For example, I had XXXX student loans that were being reported as duplicates and when the dispute was opened on each loan, there was an immediate reduction of XXXX points per loan and my credit score was reduced by a total of XXXX points. It appears that Equifax is penalizing for opening a dispute. 
Please assist in these matters. Is it common to require a police report when a debt collector dies not validate debt in the time frames required by the federal government? And is Equifax supposed to be reducing a credit score when a dispute is opened?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion stated falsely that " We have reviewed your complaint along with the information you provided regarding this issue. Currently, the XXXX XXXX XXXX XXXX XXXX  XXXX account reflects a current balance of {$4300.00}. In response to this complaint, we contacted XXXX XXXX XXXX XXXX at XXXX, and verified the balance as {$4300.00} per the automated system. 

Please note that i am disputing the reporting of the above identified account on your TransUnion credit report, and i specify the exact reason i am disputing the account. The account was never late or the balance is incorrect. The amount TransUnion claims to be owed is false. How did you contact the company? An automated machine can not not tell you facts about the account. I tendered a payment for the full amount on XX/XX/2019. XXXX XXXX called me on Monday XX/XX/2019 at approximately XXXX XXXX  i spoke to agent XXXX she explained to me that the call was a mistake and that they had received the payment in full for the amount of {$4300.00} and allow it to post within the next 48 hours. She also placed me on hold for 8 eight minutes and got a supervisor and manager to confirm the payment was received and they confirmed it was received.

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 2019-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: CA

Complaint narrative:
This company Fidelis Recovery Management keeps calling me at XXXX-XXXX-XXXX   and XXXX-XXXX-XXXX looking for a family member, XXXX XXXX XXXX, who does not reside in the home and whose phone number is neither of those listed and that I do not have any contact information to provide I have told this company several times when they have called that this is not the person 's number whom they are looking for and to please stop calling both numbers listed above to no avail. The calls keep coming in regularly and I want them to stop calling for someone whose correct contact information they already have, they just can not get a hold of this person obviously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: GA

Complaint narrative:
There is another item that popped up on my credit bureau that does not belong to me. I have not used my name or social on any accounts before. There should not be anything reporting on my credit report. I want to have this item removed. It is from a company called XXXX XXXX and original company XXXX XXXX. I found the info on my XXXX XXXX report last week.

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 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
this debt hippo violation sent to all parties XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX   also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Continually receive calls from this company after asking them not to call me. 
Have told them to contact the co-borrower on the account. 
Have also received threatening letters, stating that legal actions could be taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: The CBE Group, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX and XXXX, 2019 a company by the name " The CBE Group '' just popped up on my XXXX, XXXX, and XXXX credit report file. The original debtor is XXXX XXXX XXXX! This account does not belong to me, as all my bills have always been in my husband 's name. When I try to contact the CBE group, my calls are not be accepted, their recording says their too busy to take my call. I have filed a dispute with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX and XXXX, XX/XX/2019a company by the name " XXXX XXXX XXXX '' just popped up on my XXXX, Equifax, and XXXX credit report file. The original debtor is XXXX XXXX XXXX! This account does not belong to me, as all my bills have always been in my husband 's name. When I try to contact XXXX XXXX XXXX, my calls are not be accepted, their recording says their too busy to take my call. I have filed a dispute with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
1. ACCOUNT WAS OVERDRAWN -- BY {$1200.00}. BORROWED {$1300.00} FROM 401-K ACCOUNT- DEPOSITED MONEY.

2. AT THIS POINT ASKED IF THIS BROUGHT THIS ACCT CURRENT WAS TOLD THAT IT DID. REQUESTED THE ACCOUNT TO BE CLOSED.. WAS TOLD THE ACCT WOULD BE CLOSED 3. DISCOVERED THE ACCOUNT WAS NOT CLOSED. ASKED WHY AND WAS TOLD IT WAS STILL OVERDRAWN BY {$44.00}. TOLD BANK REP TO WITHDRAW MONEY FROM SAVINGS AND CLOSE THE ACCT. I WAS ONCE AGAIN TOLD THE ACCOUNT WAS NOT CLOSED. 
... ..I ALSO HAD A {$350.00} CHECK DEPOSITED IN THE MEANTIME CALLED THE BANK TO SEE HOW I COULD GET MY MONEY BACK SINCE THE ACCOUNT WAS CLOSED. I WAS THEN TOLD THE ACCOUNT WAS NOT CLOSED AND THIS MONEY WAS USED TO SATISFY ONCE AGAIN MONEY THEY FELT WAS OWED TO THEM. 
4. SEVERAL WEEKS LATER GOT A LETTER STATING THE ACCOUNT WAS OVERDRAWN BY {$210.00}. UPON SPEAKING TO REP WAS TOLD THE ACCT WAS IN NEED OF $ 500/OVERDRAFT AND ADDITIONAL {$160.00}. ALSO SOME HOW ADDITIONAL AMOUNT WAS QUOTED OVER THE PHONE FOR {$800.00}. 
5. WENT DIRECTLY TO THE BRANCH WAS QUOTED A DIFFERENT AMOUNT OWED.

6. GOT A CALL TODAY XX/XX/19 WAS TOLD THE ACCOUNT COULD BE SETTLED FOR {$210.00} HOWEVER I STILL OWED $ XXXX 7. SO CONFUSED BY WHY THIS BANK AFTER BEING A CUSTOMER FOR NEARLY 46 YEARS, HE DIFFERENT DEPT ARE UNABLE TO COMMUNICATE AND SHARE INFORMATION REGARDING A ACCT SUCH AS THIS ONE WITH EACH OTHER. SO THAT THE CONSUMER. DOES NOT FEEL THEY ARE BEING EXPLOITED.

8. FINALLY WAS TOLD THEY WOULD NOT CLOSE MY ACCT. I AM NOT A BANK I DO NOT HAVE AN ENDLESS AMOUNT OF MONEY -- BECAUSE OF THIS MY FINANCIAL SITUATION IS DECLINING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is another item that popped up on my credit bureau that does not belong to me. I have not used my name or social on any accounts before. There should not be anything reporting on my credit report. I want to have this item removed. It is from a company called XXXX XXXX and original company XXXX XXXX. I found the info on my XXXX XXXX report last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: WV

Complaint narrative:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I am filing an complaint due to I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance XXXX XXXX XXXX INDUSTRY : MAIL ORDER HOUSES Inquiry Date XXXX/XXXX/XXXX XXXX XXXX INDUSTRY : MAIL ORDER HOUSES Inquiry Date XX/XX/XXXX XXXX XXXX INDUSTRY : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX XXXX INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX  XXXX INDUSTRY : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX   INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX   INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX   INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/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 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  stated falsely that " We have reviewed your complaint along with the information you provided regarding this issue. Currently, the XXXX XXXX XXXX XXXX # XXXX account reflects a current balance of {$4300.00}. In response to this complaint, we contacted XXXX XXXX XXXX XXXX at XXXX, and verified the balance as {$4300.00} per the automated system. 

Please note that i am disputing the reporting of the above identified account on your XXXX credit report, and i specify the exact reason i am disputing the account. The account was never late or the balance is incorrect. The amount XXXX claims to be owed is false. How did you contact the company? An automated machine can not not tell you facts about the account. I tendered a payment for the full amount on XX/XX/2019. XXXX XXXX called me on Monday XX/XX/2019 at approximately XXXX XXXX i spoke to agent XXXX she explained to me that the call was a mistake and that they had received the payment in full for the amount of {$4300.00} and allow it to post within the next 48 hours. She also placed me on hold for 8 eight minutes and got a supervisor and manager to confirm the payment was received and they confirmed it was received.

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 2019-04-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my credit report on XX/XX/2019 and immediately saw multiple items that were not mine being reported on my credit report. On XX/XX/2019 I sent in a letter to the credit bureau stating that I am asking for the original signed, consumer contract with my signature on it ; otherwise anyone paying for your reporting services could mail, fax or email in a fraudulent account. 
On XX/XX/2019 Equifax stated in audio during a phone conversation and in written form that the debt was validated based on Name, Date of Birth, social security number, and account number. If I am telling you that I am a victim of identity theft, anyone can open an account in my name, using my information. Equifax did not send me any proof ( original signed, consumer contract with my signature on it ). Also, they sent me the wrong information to call and write back to the creditor in which I am disputing with. The information on the credit report says that if I have any additional questions about this item, please contact ( wrong company name ), ( wrong address ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NJ

Complaint narrative:
TO GET TO THE POINT, THIS SCHOOL WAS CLOSED DOWN IN 2015 BEFORE I CAN EVEN START EXTERNSHIPS. BECAUSE OF THE SCHOOLS REPUTATION AS WELL AS THE SCAMMING THAT WAS GOING IN I STILL CANT GET A JOB FOR WHAT I WAS SUPPOSED TO B GETTING A DEGREE IN. NOW I HAVE THESE LOANS THAT I CAN NOT PAY BACK AND HAS HAD MY WAGES GARNISHED AS WELL AS NIT MY STATE AND FEDERAL RETURNS HAVE BEEN TAKEN FOR THE LAST 2 YEARS. THEY GAVE US THE HOPES THAT AS LONG AS WE KEEP OUR GPA TO THERE SPECIFIC STANDARDS WE WONT HAVE TO PAY BACK LOANS AS WELL AS A STIPEND OF 400 EVERY 2 WEEKS AS LONG AS WE RECEIVED AN A OR B GRADES BIWEEKLY. SO FROM MY UNDERSTANDING THEY TOOK OUR LOANS THAT SHOULD HAVE BEEN GIVEN TO US AND GAVE US WHAT THEY AND AND KEPT THE REST. VERY UNPROFESSIONAL IS WHAT THIS IS. I AM NOT THE ONLY ONE WHO IS GOING THRU THIS RIGHT NOW. THEY EVEN ARE TRYING TO SUE THE STUDENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I had auto pay set up on my account for the XXXX of every month. Ditech took XX/XX/XXXX payment out of my bank on XX/XX/XXXX which caused my account to overdraw. I incurred a {$38.00} nsf fee because of this. I have contacted them 13 times since XX/XX/XXXX asking them to re-imburse me for the fee. I have faxed them the paperwork that they requested 3 times and e-mailed it to a representative while on the phone with her so that she could verify that she received it. Several of the representatives have told me that they can take the money out of my bank account early. I told them that is not true. Others have told me that it is being taken care of which has also not been true. Some have told me that they didn't post it to my mortgage account until XX/XX/XXXX so it is not their fault. Their application for autopay states that if it is set up to be taken out of your bank account on a holiday or weekend, they will take it the following business day. 
Also, I checked my XXXX XXXX account yesterday and Ditech had put a remark on there stating, " Account information disputed by consumer, meets FCRA requirements ''. My score went down 7 points and that is the only thing that isn't positive on there. I have not disputed anything with them as far as credit goes. I have only called them to tell them that they need to pay me the {$38.00} NSF fee that my bank charged me for them taking the money out of my account before they were supposed to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief