vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 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: MD

Complaint narrative:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US DEPARTMENT OF EDU XXXX XXXX - XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Paramount Recovery Systems, L.P.
State: LA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and  need to get these accounts removed as soon as possible. 
I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Ability Recovery Services, LLC
State: LA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and  need to get these accounts removed as soon as possible. 
I will be listing some dates below that I have sent out to them : XX/XX/2020XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.

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 2020-10-20 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX is reporting I am late on a XXXX XXXX auto loan charged off account how can I be late 90 days 17 times on a charged off account? There also reporting account XXXX XXXX/XXXX XXXX XXXX  that is wrong on a payment history Ive never made a payment to them this must be deleted there also reporting a XXXX XXXX XXXX account which is fraudulent I demand to see a signed contract or proof that this is my account giving them the right to report this! Also XXXX XXXX is showing Im late 90 days 20 times how can this be if this account is charged off? Citicards cbna is reporting Im 90 days late 2 times how can this be if the account is charged off and the payment history is wrong Ive never made a payment on this account also citicard cbna is reporting Im 90 days late 4 times how can this be when the account is charged off Ive also never made a payment on this account also XXXX XXXX XXXX XXXX   is reporting Im late 90 days 6 times how can this be when the account is charged off and Ive never made a payment on this account also the address on file is wrong and no account is associated with my current address please show me Proof of documents when this was disputed under confirmation number XXXX conformation number from XX/XX/XXXX XXXX please show me documents used to verify these accounts also there are 6 fraudulent inquires on my file that must be deleted there fraudulent inquiries please show me proof I was trying to obtain credit how did you verify these inquires were mine I am going to sue if these arent deleted as I have proof you guys didnt do a proper investigation enclosed is a police Report and drivers licenses and social security card with police report

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 2020-10-20 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: NJ

Complaint narrative:
XXXX is reporting I am late on a XXXX XXXX auto loan charged off account how can I be late 90 days 17 times on a charged off account? There also reporting account XXXX XXXX/XXXX XXXX XXXX that is wrong on a payment history Ive never made a payment to them this must be deleted there also reporting a XXXX XXXX XXXX account which is fraudulent I demand to see a signed contract or proof that this is my account giving them the right to report this! Also XXXX  XXXX  is showing Im late 90 days 20 times how can this be if this account is charged off? XXXX XXXX is reporting Im 90 days late 2 times how can this be if the account is charged off and the payment history is wrong Ive never made a payment on this account also XXXX XXXX is reporting Im 90 days late 4 times how can this be when the account is charged off Ive also never made a payment on this account also XXXX XXXX XXXX XXXX   is reporting Im late 90 days 6 times how can this be when the account is charged off and Ive never made a payment on this account also the address on file is wrong and no account is associated with my current address please show me Proof of documents when this was disputed under confirmation number XXXX conformation number from XX/XX/XXXX XXXX please show me documents used to verify these accounts also there are 6 fraudulent inquires on my file that must be deleted there fraudulent inquiries please show me proof I was trying to obtain credit how did you verify these inquires were mine I am going to sue if these arent deleted as I have proof you guys didnt do a proper investigation enclosed is a police Report and drivers licenses and social security card with police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with this credit major bureau about the unverified account : XXXX XXXX XXXX account # XXXX. In those two months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days which is a violation of the FCRA. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

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 2020-10-20 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: NCB Management Services Inc.
State: VA

Complaint narrative:
XXXX continuously contacted me for years to collect on a debt then sold it after charging it off to NCB Management and give them my emails which has never been an authorised form of communication with anyone to share but myself. That company proceed without any confirmation from myself or even contacting to create an account on my behalf without my permission. Sadly, I no longer have access to my previous phone where both of these companies were continually harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: eMoneyUSA Holdings, LLC
State: MO

Complaint narrative:
I needed a small loan for my car insurance deductible, and I applied for a loan online. Emoney usa called me and offered a {$600.00} loan. I excepted the loan, but once I added up the total amount I was to back I immediately called back to cancel. They told not to worry about the total because I could pay the loan off sooner. The total amount to pay back is {$2000.00} for a {$600.00} loan. I've paid back {$1100.00} so far. I don't want to ripped off for anymore money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been submitting disputes to have a bankruptcy removed from my credit report. Experian has stated to me that they were able to verify that it is accurate. however the US bankruptcy court states they do not verify with the credit reporting agency 's so I am filing a complaint against this reporting agency. the first dispute regarding this inaccurate information  went in XX/XX/XXXX. I have been working to get this taken care of since. However Experian continues to say that the information was verified as accurate. They have continued stating the same thing. I recently went into Experian dispute again XX/XX/XXXX and they stated the information is accurate. The address associated with the bankruptcy and I have no ties it doesn't appear on my credit report. unsure where the address is coming from.

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 2020-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
on XX/XX/2020 i was contacted by the individual who contacted me on XX/XX/2020 about an XXXX scam. this XX/XX/XXXXscam started with usaa federal savings. this individual almost got into my usaa accounts again through an XXXX and an XXXX phone at the same time. i have 4 other banks on this XXXX phone. he was only interested in my usaa accounts. after i got him shut down i went to a different contact for XXXX this contact verified that it was a scam. i got my account straight with XXXX and they advised me to contact FTC about what happened. i now have aqn account with the FTC. on  XX/XX/XXXX this scammer again was only interested in my usaa bank account. usaa is not investagating what is happening. they will not admit that i tried to stop this scam because they have chosen to support the scammer. they have admitted that they did not try to stop this scam untill 3 days after it happend. i have documentation on this. 3 days was to late. when i called the bank on XX/XX/2020 ti stop the scam and freeze my accounts they refused to do it. they supported the scammer i am a XXXX vet and very easily taken advantge off. and that is what this bank is doing. that XXXX should have been put back in my saving account but i belive it went into an employees account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: FL

Complaint narrative:
This collection was the result of unfair tactics by the hospital charging me for services I didn't ask for. I went to the emergency room due to XXXX XXXX because my fried was concerned. They inserted an XXXX  in me and refused to remove it when I wanted to leave and telling them I didn't want to be admitted or additional tests. They insisted that something bad or even death could happen to me and there was nothing I or they could do to help it unless they performed additional tests. I insisted multiple times that I was fine but they refused to remove the XXXX  until the doctor came to see me. After hours of waiting I finally got XXXX XXXX  enough to removed the XXXX myself and had to WALK home! This was all explained to the collection agency and they dropped the case. I disputed it on my report twice and it was removed both times from ALL agencies but they keep adding it to my reports ... Furthermore ; they don't notify me and I have to find out through XXXX XXXX! Then I have to dispute it AGAIN ... Also, see the attached showing that the amount is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: MD

Complaint narrative:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX   XXXX XXXX/XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DEPARTMENT OF EDU XXXX XXXX - XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.

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 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Rory W. Clark, APLC
State: CA

Complaint narrative:
I recently received a noticed from FarMar Law Group who is representing XXXX XXXX whose parent company is XXXX XXXX. The noticed states that I have a settlement against me and Im not sure why this is happening. 

In the early XXXX I received letters from XXXXXXXX XXXX  regarding an outstanding debt. I contacted XXXX via telephone asking them to mail me all the paperwork proving that I owed XXXX XXXX and the contract I had signed with XXXX XXXX regarding the debt owed. I never received any correspondence from XXXX on my request and now Im receiving this notice. I know that XXXX XXXX and its parent company XXXX XXXX is being sued by the CFPB because of its tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Collection Systems, Inc.
State: IN

Complaint narrative:
I attended the XXXX XXXX XXXX College XXXX, Indiana campus and had to leave due to medical issues at the time in 2017. 
I didnt know I owed a balance of {$550.00} until later. 
The school never notified me and at that time, I did have contact with the agency and couldnt pay it until I got the money since I was jobless and had just given birth to my daughter. 
While trying to enroll at another XXXX XXXX XXXX, XXXX, I was advised I needed to pay the balance, which I tried to pay through the school, but they gave me the information to National Credit Management. 

I gave them a call in hopes if I paid, it can be removed from my credit report. I was never informed they didnt do pay-to-deletes or whatever they call it, but their manager XXXX XXXX, stated I could call the school and have it removed since I satisfied the account in full. Now me, not knowing much about credit, I went to the school and was told Im supposed to contact National Credit Management since theyre the ones who had the account. I called them and then was told through a rude customer service representative that snarled at me when I tried explaining what I was told, WE DONT DO PAY-TO-DELETES and  basically hung up on me. My issue is, why would you lie and give me hope that I could get the collection removed, when he couldve explained it from the beginning. I called and tried seeing if I could talk to him directly, was either hung up on, or having a call rep who was rude. I tried fixing the situation because if anything, XXXX couldve just been honest in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a new relationship with Citi Bank during a promotional period in which I was promised {$1500.00} if I maintained a $ XXXX balance for 60 days. During that 60 day period, I scheduled a future mtg payment ( also w/ Citi ) for XXXX on XX/XX/XXXX. Although the payment was scheduled for XXXX, it was debited on XX/XX/XXXX w/o my authorization. As a result, my balance dropped below $ XXXX for a short period of time and I lost the {$1500.00}.

I believe the early/uauthorized debit of my account by Citi was an unfair practice under UDAAP for the following reasons : 1 ) It caused harm ( lost {$1500.00} ) 2 ) The harm was not reasonably avoidable. I reviewed the payment confirmation page again and it does not disclose the fact that the payment will be debited immediately when scheduling a future payment. 3 ) The harm is not outweighed by countervailing benefits for the consumer.
Also, worth noting that I did contact Citi immediately when the payment was debited to inform them of the error and to cancel the payment. Unfortunately, Citi was not able to reverse the payment.

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 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I keep getting my account flagged for the following National Credit Adjust Balance date XX/XX/XXXX Balance {$370.00} I have tried to reach the company many times they do not answer the agents hang up they will not look into my account. This is not my debt I have not opened any accounts or have been late paying anything for a long time.

They refuse to take this off and they do not want to provide me with any information to prove that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: FL

Complaint narrative:
There are currently numerous accounts listed on my credit report that I have no knowledge of. These accounts were not authorized or initiated by me and was a result of error, fraud or malpractice.

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 2020-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
To whom it may concern, I would like to make a formal complaint against Navient and XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, MN XXXX @ XXXX Ref- Account XXXX. XXXX for the Amount of {$72000.00}. I do not owe Navient Anything. I've had an on going problem with Navient for several years with harassment and from all the collection agencies sent by Navient. Navient has Destroyed my Credit, I had a credit score of almost XXXX, before Navient Deliberately forced a Default on this Loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX File # XXXX and XXXX XXXX XXXX XXXXFile # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, Navient, I have many on going Health issues, and the Harassment from Navient and Any and All  Collection agencies causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. 

Navient Default on my Loan Purposely, Destroying my Credit, Ruined my Life, I am also Request that the State of Connecticut Attorneys General and Consumer Financial Protection Bureau, to Investigate Navient and any Collection Agencies, and to also look into the business practices of Navient and its subsidiaries. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation