vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-09 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: TX

Complaint narrative:
There are 2 credit inquiries on my Equifax credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. I have never applied for a credit card with neither of these companies. I spoke with Equifax and with both credit card companies. The credit card companies told me that there is no information about an application in my name in their systems. I then reached out to Equifax to report fraudulent activity on my credit report and disputed both inquiries. I would like for these two inquiries be investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc.
State: NJ

Complaint narrative:
Dear CFPB Staff, My complaint is about Remex, Inc who submitted a derogatory posting to my credit report. I believe that, given the timing of their credit report posting, that they took this action with pernicious motives. 

Towards the end of XX/XX/2018 or beginning of XX/XX/2018, I started receiving telephone calls/messages during the daytime from Remex , Inc . They would call my personal cell phone and my work telephone number. My job requires a high degree of concentration with minimal interruption, so I could not answer these calls. However, they left messages indicating that it was a bill collection matter. 

Therefore, after finding out that this was related to a medical bill that I had overlooked, I initiated an FSA payment to XXXX XXXX XXXX  ( the service provider ) on XX/XX/2018. XXXX XXXX XXXX received the payment on XX/XX/2018. I also wrote a letter to Remex requesting that they stop their telephone calls and quoting the FAIR DEBT COLLECTION PRACTICES ACT ( the letter was mailed out on XX/XX/2018 ). In the letter, I requested that they submit any future bill-related communication in writing. 

To my surprise, on XX/XX/2018 I received a text message alert from XXXX that there was activity on my credit report. When I logged in, I found out that Remex had issued a derogatory on my XXXX credit report. This derogatory was posted by Remex on XX/XX/2018. This action by them was taken 17 days after XXXX XXXX XXXX received their payment. 

Given the more than three-week lag between the time of my payment and their derogatory posting together with my written notice to them, I believe that their credit report posting was a retaliatory action that was taken to cause harm. 

ATTACHMENTS : XXXX XXXX XXXX - Proof of Payment - XXXX XXXX XXXX - XXXX Remex - Cease and Desist - XXXX - with XXXX XXXX XXXX XXXX Remex Credit Report Derogatory XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX veteran who is a loyal customer of Navy Federal Credit Union. I served 10 years in the XXXX and while serving obtained a loan through Navy Federal Credit Union. While paying back the loan I became incapacitated and could no longer care for myself. I had to XXXX XXXX XXXX, and XXXX. My brother XXXX XXXX XXXX was taking care of my finances at the time and supposedly notified everybody of my XXXX and XXXX situation. Time went by and after XXXX, I am now able to care for myself. I love XXXX XXXX so I apply for a credit card through them and i'm denied saying that there was a loss. After calling and getting further details, an account that was supposed to be forgiven and/or repaid at a later date per conversations with my brother XXXX and a Navy Federal representative when I was able to settle my own affairs is what Navy Federal is holding against me. It isn't fair that I served my country and acquired injuries that left me unable to attend to things for quite some time and now it's being held over my head. Forgiveness or repayment should have been honored due to the situation. I feel so horrible and embarrassed because everything is always an act of good faith with me. I shouldn't be admonished for serving the military and being injured, I shouldn't be denied the luxury of applying openly for credit with my favorite bank, it isn't fair and it isn't right. I do not care if I have to pay it back or if it is forgiven like agreed upon, i'll do it because I intended to move all of my accounts that my brother opened back to Navy Federal. Please investigate this case as I shouldn't be treated this way for such a horrible reason. Let 's make this right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: Colony Brands, Inc.
State: AR

Complaint narrative:
XXXX XXXX keeps ignoring my request to discharge debt as fraudulent debt the charges are fraud related. and stop calling my cell and family cell numbers.FURNISH COLLECTION AGENCY INFO.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I logged in online at XXXX to pay my XXXX XXXX card and it wouldnt let me choose XX/XX/XXXX ... I could only choose the next day. I looked and to my dismay I had to login by XXXX. I went ahead and made my payment and sent them an email my daughter was sick anf being doctors was closed had to take her to stat care, therefore, it slipped my mind until I got her home. They replied I had a fee off last XXXX and wasnt eligible. I last year battled XXXX and forgot on a XXXX XXXX..I cant believe they dont care about a VERY GOOD customer. It was such a canned response. I believe they should remove my fee ... for Gods sakes its been a year! Its bot like i dont carry a balance, believe me they make money on my interest. I would like them to reconsider removing any fee. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
XXXX XXXX AND ITS COLLECTOR KEEPS CALLING AND COLLECTING ON A FRAUDULENT DEBT.WITH MERCHANTS AND ARE FALSY REPORTING ON MY CREDIT REPORTS.0.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: VA

Complaint narrative:
***ADDING TO PREV COMPLAINT*** Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 IN ADDITION to being charged a {$36.00} nsfw for a bill payment that came out in error, they are now charging me 2 more fees. 
I pulled up my bank account on Sunday, XX/XX/XXXX & now B.B. t had me at negative - {$88.00}. I called spoke to XXXX at XXXX. They charged me 2 more fees for XXXX charge if {$4.00} and XXXX XXXX {$15.00}. I want these fees removed now 3 fees at {$36.00} each so I can close this account. 
Ill cleared my last balance and had a positive balance. I even tried to close my account and dispute XXXX transactions that keep running through this bank. I tried online with no help and I tried via phone and the rep told me to contact XXXX. 
Ill never recommend family or friends to come here & report this to the news and social media and I will seek my attorney if its not resolved.

Ill never do business again here nor recommend family & friends to this bank.

I want the 3 fees of {$36.00} waived so I can close this account asap.

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 2018-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Harvard Collections, LLC
State: AR

Complaint narrative:
COLLECTOR HAS VIOLATED ALL CONSUMER PROTECTION LAWS THE LAST ONE WAS S.O.L. EXPIRED ON SAID DEBT SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 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: COMMERCE BANK
State: AR

Complaint narrative:
CEASE AND DESIST COLLECTIONS ON FRAUDULENT DEBT AND REMOVE ALL CREDIT REPORTING AT ONCE OR BE SUED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed a delinquency reported by XXXX to all three credit bureaus. 
XXXX corrected the delinquency with all three bureaus. However, TransUnion is now showing the inaccurate delinquency again on their report. TransUnion corrected the information on XX/XX/18 on my report, and I have a TransUnion Dispute Results report that shows the correct account status from their investigation dated XX/XX/18. On XX/XX/18 the status reverted back to the original delinquency. I called XXXX and they stated that no new data has been reported to TransUnion since they corrected the status in XXXX and the account is closed. I called TransUnion and they told me I need to file another dispute and claimed that XXXX reported the account delinquent again. TransUnion is the only bureau that is showing the incorrect info again and refuses to consider they made an error. This has put a hold on my real estate transaction and is costing me {$2500.00} per month in rental income.

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 2018-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I have recently started a credit counseling debt management plan. My loan through XXXX was added to this and is being reported on my credit report as being handled by a credit counseling agency but that it is a delinquent account and past due. I have tried contacting the company but I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I have been making payments on a medical bill from XXXX Hospital XXXX. The original balance was XXXX. I have XXXX left to pay. 
The last payment I made cleared my account on XX/XX/18. I had one more payment to make. The collection letter for the last payment is dated XX/XX/18. 
I understand that XXXX Hospital is exempt from the Fair Debt Collection Act. This is very wrong. If a person is attempting to make payments in good faith, they should not be permitted to sell my account. It is clear that the individual person thst worked my account was able to make the decision not to send my account to collections but nastily chose to do so. Now I am in jeopardy of receiving a bad debt on my credit report when I have been paying the bill. How is that fair to me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 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: AR

Complaint narrative:
CEASE AND DESIST COLLECTIONS ON FRAUDULENT DEBT AND REMOVE ALL CREDIT REPORTING AT ONCE OR BE SUED.

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 2018-09-09 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: AR

Complaint narrative:
CEASE AND DESIST COLLECTIONS ON FRAUDULENT DEBT AND REMOVE ALL CREDIT REPORTING AT ONCE OR BE SUED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-09 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: AR

Complaint narrative:
CEASE AND DESIST COLLECTIONS ON FRAUDULENT DEBT AND REMOVE ALL CREDIT REPORTING AT ONCE OR BE SUED.

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 2018-09-09 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: MS

Complaint narrative:
XX/XX/2017 a catalog account from XXXX was used by someone other than me without my knowledge or permission. I notified XXXX immediately that this was not my account-someone used the catalog that was in my name. They continued ho report delinquency to the credit bureaus so I notified them this was not my acccount. It was corrected for a short time but XXXX continues to report delinquencies knowing full well the account is not my responsibility.

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 2018-09-09 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: EQUIFAX, INC.
State: MA

Complaint narrative:
In XX/XX/2018, I contacted equifax concerning account on my credit report showing " included in bankruptcy write-off, account closed ". In fact, just the opposite is true, the account is quite active, and the payments are up to date! Since originally reporting this to equifax through there own website I # 1 never received response # 2 the reporting by equifax is still inaccurate, no correction is made. ( I don't understand why the government we the people pay to protect, we the people. Instead protect a monopoly like equifax from defamation litigation? )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FIN # XXXX with transunion states account verified. They have yet to prove where information is coming from as per my last CFPB report. I called bankruptcy court on file and they stated they dont report to reporting agencies. Im not sure how they are verifying if not from the court. Issue still not resolve and question its accuracy. I have placed security freeze on XXXX XXXXXXXX and XXXX so the court is there only option

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 2018-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
T D Bank charge me for overdraft in which I had the account block on my business account if the funds are not in the account the transaction is not suppose to go threw. I see I buy something on my debit card it takes days to go threw. I also notice this time 1 transaction threw my account off and T D Bank charges me {$240.00} dollars for 1 transaction that the money was short on XXXX. I have been in a branch 2 times that there are not suppose to be no transaction be approved if the funds are not there. My next issue is that debit is suppose to be only approved if the funds are in the account. I did not agree to let transaction go threw my business account if the funds are not there. I also been to T D Bank about this and now this time 1 transaction cause me {$240.00} in over draft fees. My account is minus {$190.00} as to date for no reason due to the transaction throwing previous transactions off due to TD Bank not doing as we discuss. This is one of the worst banks I have had to deal with towards business. Month before my account was hack and while I was at the branch it took over 45 minutes to shut the account down. This as I was told was being doing by some company in XXXX as I was sitting at the branch in XXXX PA they was still making transaction it was cleared up 10 days later. My issue I should not owe no {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 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: FL

Complaint narrative:
While reviewing mortgage document while buying house noticed something coming up on our credit report that was not our.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I had a credit line with XXXX XXXX XXXX with a minimum payment of {$35.00} a month. In XX/XX/XXXX i fell on financial hardship because I was a XXXX year old XXXX XXXX XXXX XXXX and missed a few payments. In XX/XX/XXXX my account was sent into collections because I could not afford to make the minimum payments.

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 2018-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
This complaint is with XXXX XXXX XXXX, I have bills showing up on my score that have already been paid, they have opened another suit on me for bills Ive paid and have garnished wages again trying to collect money on something that has been paid. Ive tried calling and telling them the situation but they are still trying to charge me again, and now I see them on my credit report. They are calling and harassing me still. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I have sent two request to SunTrust my loan origination bank. The first request to the CEO which was more of an informative request. The second request for information followed the RESPA mandate for QWR OR RFI, SunTrust chose to respond to the CEO letter and did not follow the guidelines of acknowleding my QWR/RFI within the stated timeframes. Further more SunTrust is denying my right to what they reflect as the loan origination documents prepared by former SunTrust broker for my loan. SUNTRUST states my request should go to my servicer. My Servicer sends copies of documents that never address what I need. The unanswered question is why neither SunTrust or XXXX wants to provide what they now have as the originational loan documents prepared by the broker and what was used to qualify me for the mortgage. SunTrust prepared a response to me based on my letters and conversations with them. The copies of the documents I they have will help in bring this complaint to a close. 
This is a repeated request for information regarding the original loan documents, file. Not limited to the application, credit report, approval notice, amount approved for type of loan, request for personal references, job letter, pay stubs verifying income. All supporting documents used to qualify me for the loan.

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 2018-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have had enough of PayPals lies. I tried to withdraw money yesterday to my debit card and it said it would take 30 minutes to reach my card. Then it was held for review and the person I spoke with at PayPal assured me it would be released by XXXX XXXX today. Now its XXXX XXXX today and the money still has not been transferred. You can not get these fraudsters on the phone since hold times are more than an hour, so they just keep your money against your will. It is disgusting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have NEVER opened an account with I C SYSTEM INC ( Account Name ) XXXX in XX/XX/XXXX or any other time. I have asked for proof of the debt twice, my signature, date that I signed the contract, etc. via XXXX  dispute resolution program and have not received resolution as of XX/XX/XXXX. The debt remains and is noted to remain on my credit until XX/XX/XXXX. I have no other recourse but to contact you because the credit bureau dispute program is not of value to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation