vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 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:
Dear Sir or Madam : 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. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
IN XXXX OF THIS YEAR 2017, MY HUSBAND AND I PAID OFF A TRUCK LOAN IN THE AMOUNT OF OVER {$8000.00}. ABOUT TWO WEEKS LATER HE LOOKED AT HIS XXXX XXXX AND HIS SCORE WENT UP OVER 40 POINTS. I LOOKED AT MINE AND MINE WENT DOWN ALMOST 50????? WHY, NO ONE CAN TELL ME AND I WOULD LIKE TO KNOW. NEXT MY CREDIT WAS IN THE LOW XXXX 'S. i HAVE BEEN PAYING OFF CREDIT CARDS THAT WERE SOLD TO ANOTHER AGENCY. I PAID OFF TWO AND WORKING ON THE 3RD. SINCE I HAVE BEEN PAYING OFF CREDIT CARDS MY SCORE WENT DOWN 140 POINTS AND OVER. HOW HOW CAN THAT BE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!. I AM SO DISGUSTED THAT I HAVE DONE EVERYTHING RIGHT TO UP MY SCORE AND THIS IS WHAT HAPPENS, BALONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I found myself in a financial bind and needed money to pay my rent and bills. I filled out an application with XXXX online and was approved. At the time I desperately needed the money and agreed to their outrages interest rate of 179 % on a {$2500.00} loan. In XXXX I had to make my first payment of {$490.00} and continued payments of {$380.00} monthly until XX/XX/XXXX. I fell on to hard times and could not continue making the payments. I did, in fact, pay from XX/XX/XXXX to XX/XX/XXXX a total of {$2400.00}. In XX/XX/XXXX, I tried to make arrangements with them and come to an agreement but was, unfortunately, they failed to come to terms with me and was later sued. Today, XX/XX/XXXX, I showed up in court and agreed to pay them {$200.00} in XXXX and {$75.00} a month after until the {$2600.00} loan is paid. When I emailed them asking if they would work with me they refused to send me a modification agreement by email or mail. To which I could not understand because they had done it before. I told them that I had the legal right to request any and all communication with them in writing. They stated that for security reasons they could not send it by email and had to speak with me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have spoken with Experian about a existing issue several times. Today I hand the chance to speak with XXXX in Dispute Department he is apart of XXXX XXXX.With XXXX XXXX and XXXX XXXX  XXXX. They refuse to remove these accounts form my credit report. I am requesting them removed because they were transfer without my knowledge and reporting twice. These accounts no longer belong to me. I am asking for them to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) 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 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
ARS has been reporting a collection account to XXXX for at least the last year, regarding a medical debt to XXXX XXXX XXXX for services dating from XXXX. 

When I look at the address ARS reported as associated with the debt, it shows an address in XXXX, XXXX XXXX, where I have never lived. This debt is n't mine. And I have never lived in XXXX XXXX or used any address there. The item does n't show on my XXXX or XXXX XXXX credit report, it only shows on XXXX. 

So, I disputed the debt via XXXX several times. XXXX says they contacted ARS, who " confirmed '' the debt is mine, although I was provided no information how ARS made this confirmation. How did ARS determine this was mine? Especially when the billing address is XXXX miles from where I live? 

ARS does n't seem interested in checking basic facts before reporting to what can effectively ruin my chances of getting loans. Despite it not being on either of my other reports, and despite nothing else on my credit indicating I 've ever lived in PXXXX 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 2017-09-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My loan has been sold to another mortgage company and the balance does n't reflect my payment history. When i got a loan modification they did n't roll missed payments into the balance of the loan the kept them separate and charged me interest on them, when they should have rolled any outstanding amount in to the loan durning the modification. So basically my loan balance has n't changed because of what they have done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: TX

Complaint narrative:
Dear Sir or Madam : 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. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX 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 2017-09-06 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: TX

Complaint narrative:
Dear Sir or Madam : 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. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.
A copy of my Identity Theft Report and proof of my identity.
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX 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 2017-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a " Free for Life ''. checking account with the XXXX XXXX XXXX XXXX in the mid-XX/XX/XXXX's. The account was acquired by several different banks, ending up with the Bank Of America. The account has been with them for many years, since XX/XX/XXXX.
Every 3-5 years BofA has started to charge fees on my account and I call and, after BofA researches my account, the fees have been reversed. I have been told that notes have been included in my account so the problem will not happen again.
Last month BofA again stared charging fees on my account. When I called I was informed that they had " converted '' my account and that they have no products that are " Free for Life ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
I sent {$10000.00} to Coinbase from my XXXX XXXX XXXX XXXX Account for XXXX XXXX XXXX, XXXX. Federal Wire Reference #  XXXX They relayed the " name did not match my account '' - my name is XXXX XXXX. 

Ok, that 's understandable. They said they 're wiring the $ back to my account on XX/XX/XXXX. It 's now XX/XX/XXXX & I have yet to see it. Wire transfers are instant, there is no excuse.
To add insult to injury, I wired another {$10000.00} to from my personal account to them last night & my bank confirmed they received. They have yet to receive. It is XX/XX/XXXX.
Fed Wire Reference # XXXX They advertise it as being " instant '' funding. What a joke. So disappointed, where is my XXXX COINBASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
sent letter requesting back up for the collection on my report did not receive a response. 

If back up can not be provided please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I tried to make a payment on my student loan in the beginning ofXX/XX/XXXX. When I logged into my account with XXXX, a notice came up with " your loan has been transferred, please click here '' ( Please note that in the 15 years with XXXX, I never had an issue with them ). 

I clicked the link and it took me to Navient LLC. I had to register with them. I was given no other notice that they owned my loan. 

I consolidated my student loans in 2002, into one loan. Navient shows that I have two loans. Repeated requests to explain were met with, that 's just how we allocate loans. 

They do n't seem to understand the the definition of consolidate. I had two loans - then consolidated them into one loan. The purpose of this was to have one payment. Their own correspondence to me shows I now have two loans. How is this possible? 

They also can not produce the promissory note i signed when I consolidated my loans. How do I even know they own my loan and that I have to pay them. I believe they are running a scam to earn more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: TX

Complaint narrative:
I. Have never lived in XXXX Idaho, never bought a house in XXXX Idaho. This address is n't mine and it has taken my XXXX XXXX down XXXX points!! Please delete the incorrect information off my credit reports and restore my XXXX XXXX back to 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 2017-09-06 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Complaint XXXX was closed by CFPB although the merchant ( Barclay 's Bank ) advised me they were still working on it. XXXX from Barclays indicated she was working on finding the incorrect address issue with the original billing. I called her repeatedly with more information, but she did not respond. The company 's letter was incorrect and reveals that either their records are faulty, or they are concealing the true nature of our conversations. XXXX 's description of my telephone calls with Barclays is false. i specifically talked with the representative about my change of address and the fact that Barclays sent the bill to the wrong address. The fact that XXXX hides this makes me think they are intentionally providing false information to CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I was never eligible to receive a credit card before till recently yet on my XXXX XXXX it says I have an open account with CBNA since XXXX XXXX, 2017. I 've never heard of that bank ever and I got a phone call saying I have a {$3000.00} debt to pay off but when I told the operator I had no debt or card with that problem he hung up on me. Immediately I was suspicious of the situation. The pictures below show I have a XXXX XXXX card that I just got approved for and the other is the cbna which I have no idea about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
On XX/XX/XXXX I contacted Soloman and Soloman P.C in regards to a debt owed to XXXX in the amount of {$360.00}. I stated that I disagreed with the amount owed and offered a settlement amount. I was told this process could take up to 3 business days for a response. I checked back on XX/XX/XXXX and no response was received. I checked again onXX/XX/XXXX and was told no response was received and that the request would be resent to XXXX. On XX/XX/XXXX I followed up on the 2nd request and was told I would have an answer back by XX/XX/XXXX. I spoke to the collection agency on XX/XX/XXXX and was told that the request would have to be resubmitted a 3rd time and now it could take up to three weeks for a response back from XXXX. I believe that the collection agency/creditor are dilibertly delaying the process in the hopes I will become frustrated and run out of time, and will pay the amount they are requesting rather than the amount I offered in settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
XXXX became involved with my student loans at some point ; I am unclear on exactly when. The paperwork has been confusing and comes in overwhelming bunches, then not at all. My loan amount continues to increase and I am unable to afford the payments. I have no options regarding the interest rate or the fact that I do not make enough money to cover the smallest allowed percentage. Now my account is being handled by FedLoan Services. It has been switched between lenders at least 3 times now and I am confused. Also, a portion of it does not appear to be my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: GA

Complaint narrative:
I received a copy of my credit reportXX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX  who has reported that there was a late payment XX/XX/XXXX.
1 ) I contacted XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: GA

Complaint narrative:
I received a copy of my credit report XX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX who has reported that there was a late payment XX/XX/XXXX. 

1 ) I contacted first progress in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed and asked to remove XXXX XXXX XXXX form my credit report with transunion. I am asking because the account does n't belong to me. The account was transferred without my knowledge.I am asked for it to be removed.

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