vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my Bank of America checking account. I filed a police report which has been attached. Bank of America risk department froze my checking account and closed it. I was told by numerous Bank of America employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that Bank of America has reported the hacked accounts to XXXX and XXXX XXXX XXXX. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.

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 2018-04-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
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 XXXX # XXXX AFTER ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS

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 2018-04-15 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: Modern Adjustment Bureau
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and in XX/XX/XXXX, I had a judgement against me and went through a wage garnishment. After my wages were garnished, I thought I would receive a Satisfaction of Judgment Letter that the company was to file with the Courts, I called them and they indicated that I still owed XXXX in interest charges. I paid the interest charges in XX/XX/XXXX and wrote them a letter indicating that they submit with the court A Satisfaction of Judgment Letter and mail me my copy. It has been three months and they have not responded to my letter nor sent me my copy of the Satisfaction of Judgement Letter. The company is Modern Adjustment Bureau. I am trying to purchase a house and would like any and all references of Modern Adjustment Bureau deleted from all 3 bureau reports since my debt is paid in full. I wrote them a letter on XX/XX/XXXX, and still have not received a response from them. This is effecting my life as this is still on my credit and I can not qualify for a house since this is still on my credit and I have no proof that it is paid since I do not have my Satisfaction of Judgment letter from the Courts. As I understand it, I could take Modern Adjustment Bureau to court and get damages, but I would rather try to fix this another way. Please help me if possible, I've been going through this for some time now. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 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: NJ

Complaint narrative:
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 XXXX/XXXX XXXX # XXXX XXXX  ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS

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 2018-04-15 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 XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX BANK # 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 AFTER ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX keep harassing me and my daughter about a old debt from 2004 that was charged off by Capital One prior to that. This law firm keeps sending letters and calling stating " i will be arrested for not paying. '' Their address is XXXX XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX. XXXX. I looked at my credit reports from all 3 CRA 's and none list this outstanding debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
Opened a Discover Card XX/XX/XXXX with 0 % APR and 23.99 % Cash Advances. I later closed my card in order to pay it off since I was laid off from a job. I had been making payments regularly and I realized my balance should be paid in full given the interest rate, amount paid, length of time I paid on the card. XX/XX/XXXX I send a certified letter requesting my initial agreement and statements. Discover card signed in acknowledgment of receipt of the letter. I was never sent anything. 

While I was waiting for the letter I requested I was sent a letter stating that I would be sent to an attorney for a lawsuit. I called and explained I was waiting on a response letter from discover card ; I think I'm getting charged the wrong interest rate, I am not sure I agreed to this, and I have been paying it for years. They lowered the interest rate and allowed me to make a one time small payment to avoid being turned over to a lawyer. They did affirm, multiple times, they will be sending my initial agreements, statements, and if charges were wrong it would be rectified. 

I finally received my statements in the mail, but not my initial agreement. My interest rate in XX/XX/XXXX was 20.24 % APR and 25.24 % Cash Advances. I called again, and they told me if they can find it they will send it to me. I ask " what if you can't find it? I don't want to take discover cards word that I was not overcharged '' they said another department will handle that. 

I have been trying to resolve this issue for a very long time. I just need validation of my initial agreement and if I have been overcharged I feel I should be reimbursed for the 7 years of being over charged. ( I was not getting statements in the mail and I am not sure what email they had for me, or I would not have had to demand my statements 3 or 4  times ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: Real Time Group, Inc.
State: CA

Complaint narrative:
I have previously disputed this account on my credit reports, but for some reason, Real Time Solutions continue to report this unpaid balance of XXXX on my report. I am trying to qualify for a house and can not because this is being reported as a collection. I've written two letters and just received a response from RTS, they sent me documents which do not have my signature and it looks as though the letters were typed. I've asked them twice to give me something that has my signature, but they can not. Also, they indicated they mailed me a letter in XX/XX/2015, but I did not receive the letter. They also indicate a account number at a credit union which I didn't have. I am tired of writing letters back and forth with this company and would like this information removed from all 3 credit bureaus. Any assistance you can offer would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Pentagon Federal Credit Union XX/XX/2018

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 2018-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have applied for loan forgiveness through Navient ( directly ) and the federal government, but continue to be denied even though Ive worked in a XXXX XXXX XXXX for 13 years. My coworkers have all had their loans forgiven, however Navient has rejected all my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hard inquiry made by Capital One on XX/XX/18. Spoke to XXXX agent ID # XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: FL

Complaint narrative:
Transunion is reinserting deleted accounts on my credit report. XXXX XXXX XXXX XXXX has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA. This account was deleted once from my credit report and now its reinserted without my knowledge again.

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 2018-04-15 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

TD Bank / XXXX XXXX Date : XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 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: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Discover Bank Date : XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 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: CURO Intermediate Holdings
State: NY

Complaint narrative:
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On my TransUnion credit report, there are two hard inquiries from " XXXX via XXXX  XXXX ''. 

One of them happened on XX/XX/XXXX. I have confirmed with XXXX XXXX  that this inquiry is for the other person, who is wrongly recognized as me. I've explained this to XXXX and sent TransUnion my email with XXXX XXXX last year. But it seems that the hard inquiry has not been removed yet. 

Today, I just found that there's such a hard inquiry again. I really have no idea whom I should ask for help from to remove these two hard inquiries. I am always living in the same place from XX/XX/XXXX, so it is obviously impossible that I'm looking for somewhere new.

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 2018-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America excessive charges for consumer accounts During XX/XX/XXXX BOA charged my account for about {$560.00}, and while writing this complaint I have been charged in XX/XX/XXXX till now for {$310.00} I called the bank inquiring about those charges, having in mind that I'm a customer since XX/XX/XXXX, and I have not seen this hike in fees before. I explained to the people on the call that during the early days, I can see that my account going under XXXX, and I have the option to put money in the account to cover it before the end of the day. Recently, I have seen a change in behavior, on which I check my account in the evening, and in the morning, they already overdrafted it with charges. 

I expressed to the bank that : 1. I'm not an accountant and they treat my account like I should be having books created for it. 
2. This is a new change that I'm seeing recently, and it has not been this way before. 
3. I have a feeling that the bank changed/updated its system to narrow the window that we as a consumer have to correct mistakes. 
4. The existing alert systems that the bank provide is useless as I'm receiving the alert AFTER the bank charged my account with fees.

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 2018-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NY

Complaint narrative:
My private student loan was through Discover but has been handled by XXXX XXXX XXXX. A payment of {$900.00} was made on XX/XX/XXXX to XXXX XXXX for this student loan. Then we received a letter that Discover was taking over the loan servicing. The {$900.00} was not credited to my account. We spoke with " XXXX '' at Discover on XX/XX/XXXX and she contacted XXXX XXXX who confirmed we did make the payment. We were told to upload the receipt and bank statement showing we had made the payment to Discover and they would subtract the {$900.00} from the minimum amount due. She gave us the amount the new balance would be. They never subtracted the {$900.00} from the minimum balance due. We spoke with " XXXX '' on XX/XX/XXXX, " XXXX '' on XX/XX/XXXX, and " XXXX XXXX '', a supervisor on XX/XX/XXXX. She told me she had to get information from headquarters to figure it out. I have left messages for XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. She has not returned my phone calls. Essentially, they took the {$900.00} from our bank account and did not subtract it from the minimum balance due. It is as if we never gave them the money. Each time we have made other payments, the amount of the payment is automatically subtracted from the balance due. But they refuse to do it for the {$900.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: Conn's, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Conn Credit Corp XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Last month, Citigroup added restrictions on firearm sales for new retail-sector clients, requiring them to restrict sales for buyers under XXXX, and not sell so-called bump stocks or high-capacity magazines. This is the job of Congress not a bank. Lets hope they are watching reasonable and appropriate banking practices more that second amendment details. Back in the XX/XX/XXXX - XX/XX/XXXX financial crisis they needed taxpayer bail out because of poor banking practices. Maybe they should stick with banking instead of politicizing banking services.

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 2018-04-15 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Wells Fargo Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Performant Financial Corporation
State: WA

Complaint narrative:
Please see complaint XXXX for background. 

The credit company listed in previous complaint would not answer my attempts to resolve debt. XXXX XXXX XXXX passed the claim my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. All communication between myself and XXXX XXXX documented in previous complaint. They then sold my debt at of XX/XX/2018 to XXXX. 

They ignored multiple communications from myself attempting to resolve this debt and have now passed along my details to another debt collector who has added additional collection fees. The debt keeps raising and no one is willing to resolve this debt because they say it is no longer theirs, as XXXX XXXX did on the original complaint. 

Is this behavior legal because it appears to be a manipulation to extort additional fees and an active ignoring of my attempts to resolve this debt. This pattern began with XXXX XXXX and has continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: GA

Complaint narrative:
XXXX XX/XX/XXXX XX/XX/XXXX Never gave permission to run my credit. They did it twice.

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 2018-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Wrote letters to both the collection agency and all 3 credit bureaus abs no one has sent me the information I have requested all they continue to say is the account has been verified but has not giving the proof of the verification

Company response to consumer: Closed with explanation