vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$500.00}, {$0.00}, {$7000.00}, {$5000.00}, {$3500.00}.

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

-CLOSED ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 







5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I was charged over draft fees for bank fees on the account, said I only got 1 NSF fee returned per year when this wasn't even my fault. Had no idea about bank fees and they should not charge them for fees they put on they account. 

I am putting in dispute claim as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My purse was stolen along with my checkbook, bank card and I'd. The bank was informed within minutes. I closed my account. The bank opened a new account. Two checks were fraudulently written. The bank erred in protecting my new account. One check was corrected, but the bank refuses to take care of fraus dweck of XXXX. Despite the fact I signed and submitted an affidavit if fraud on both checks on same day. Meanwhile my account is now overdrawn. It refuses to give me my money I deposited from my paycheck before any of this fraud. The bank refuses to acknowledge the disputed fraud check. I've filed police report. The bank and police are aware both of the fraud checks were written on same bogus account and name on the sa.e day. The bank reversed all of my on line payments in order to pay itself back, but not correct the fraud error. I've been told over phone it could take 30 to 90 days to investigate, but refuses to tell me why the fixed one fraud check and not the other. Police have told me the fraud was likely committed by the felony lane gang.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: OH

Complaint narrative:
I have been paying on my student loan for over 18 years and the balance of the student loan dont seem to reflect payments applied and interest has been applied incorrectly. Balance from department of education to Navient was also done incorrectly where the principle balance was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Already submitted complaint XXXX in regards to payments, payment hold, being told I had returned payments when in fact they were cancelled but still attempts were made to deduct the amount from my account. Then after my complaints started with customer service, all of a sudden I was in collections, mind you never have been past due, late, on any pmt but my account is in collections or Line Management if you will. After complaining about long hold on payments being made forward my MasterCard and after my account we closed on accident on already but reopened the following information I will provide is exactly what I mean that CitiBank has to be doing some kind of unlawful practices. On XX/XX/2019 I initiated a pmt to be made in the amount of {$55.00} after I received notifications my pmt was received and credited that particular balance of {$55.00} was not available to me, again this bank goes putting guaranteed funds on hold towards a pmt. not on XX/XX/2019 I made another pmt of {$55.00} because the original stil was not reflecting on my acct as avail. After speaking to customer service and line management I was told the item had returned unpaid by my bank which it did not and that I needed to pay that amount along with returned fee. Of course I became irate and this is when I began to piece all together right before XX/XX/2019 account closure. On XX/XX/2019 cotibank without my authorization took another pmt for same amt {$55.00} but apparently does not have recorded of that payment so its under dispute with my bank. Low and behold I receive a letter from citi and is attached to this portion of my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I settled a debt in the amount of XXXX with XXXX XXXX XXXX for a debt owed to XXXX XXXX, I have a letter from XXXX   stating the debt was paid in full, it also shows on my credit report that the debt is paid in full, however XXXX XXXX turned around and sold the debt to another collections agency by the name of credence. I have sent Credence proof that the debt has been paid and that XXXX XXXX   sold the account to them fradulently, however XXXX XXXX or Credence refuse to provide me a letter indicating the account is paid and they will remove the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: FL

Complaint narrative:
There are 4 transactions posted on my Discover Bank Credit Card : - XXXX SC   - # XXXX XXXX FL - {$1000.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$930.00} - XXXX, XX/XX/XXXX - Adjustment - Interest Charge - {$55.00} These charges are not valid they are fraudulent! I disputed them but Discover will not remove the charges. Also they are refusing to send me out a new card. This has to be illegal to do to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: AES/PHEAA
State: FL

Complaint narrative:
Fedloan is reporting I missed XXXX  years with of payments which is untrue. They are reporting the same missed payments over an over and over again. I want proof that XXXX XXXX XXXX has XXXX missed payments from fedloan or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Resolution Group, LLC
State: IL

Complaint narrative:
I traded in a leased XXXX XXXX hybrid at XXXX XXXX. This account is closed and paid. I dont have any missed payments. I tried to explain to them but they insisted that I owe the debt.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-01 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: FL

Complaint narrative:
They are failing to validate the information in which they are trying to collect on. I have been trying for several months to receive validation of this collection of which they are saying is mine but all they send back to me Is a letter stating as I already know they collect for and it has an account number and amounts which isnt validation! Please help with this company!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: FC HoldCo LLC
State: FL

Complaint narrative:
Ive never heard of this company nor did I authorize them to run my credit. I have not applied for anything! This company improperly obtained my credit without my authorization!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I traded in a leased Toyota XXXX XXXX at XXXX toyota. This account is closed and paid. I dont have any missed payments. I tried to explain to them but they insisted that I owe the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Ive never heard of this company nor did I authorize them to run my credit. I have not applied for anything! This company improperly obtained my credit without my authorization!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: Global Lending Services LLC
State: FL

Complaint narrative:
Ive never heard of this company nor did I authorize them to run my credit. I have not applied for anything! This company improperly obtained my credit without my authorization!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I was made aware of a negative mark on my credit by my credit union XX/XX/XXXX. This is an inquiry that has never been shown on my credit report prior to this day. I was unaware of the creditor as I appeared on my report as COI. After doing some research and calling around this is a company name Convergent Outsourcing , INC . I contacted this company and was told that this was a debt collector for a XXXX account from XXXX. I had not received a bill or notification of an additional bill. I also have never been told about any debt on my credit. I was never provided an account number. The representative XXXX stated that this debt was reported in XX/XX/XXXX over 5 years after this account was said to be opened. In 5 years I was not made privy to a debt owed. The lady proceeded to explain that for a payment of {$170.00} the debt would be settled as paid in full and that they would report to the Credit bureau as such to have this removed. I was not made aware that I had an option to dispute this matter, I was only told that a settlement payment would get this removed. The rep XXXX took a payment in the amount of {$170.00} and gave a confirmation # XXXX, XXXX advised that she would provide a " XXXX Balance " email and was provided my email. XXXX stated this information would also be mailed out. XXXX provide a phone number # XXXX and stated to look for the email in the next couple days and that the remark would be removed. I have not received an email of this letter to date in my mail or email. I called the company XX/XX/XXXX and spoke to a rep named XXXX and advised that I had not received the email I was told I would. XXXX asked for my information, first my telephone #, and name, she then tells me that she can not find me in their system. She ask for my social security # and tells me that she can not find me in their system. XXXX then tells me that she will have to get with her manager to find out what other ways they can check to see if I have an account. At this point I am concerned about several issues. This company is soliciting debt from consumers without providing proper information. Funds were exchanged no receipt was provided, no email of settlement provided, and now no recollection that an account exist for me. I am requesting that this be reversed, that I am refunded my money and that this be removed off my credit report, this is a violation of my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
I was under a contract with Conn 's - Account # XXXX and made my last payment of {$55.00} on XX/XX/2019. My payment wasn't due until XX/XX/2019 but I paid it off early. On the payment page where I selected to pay the current balance of {$55.00} the website said " Great! your selected option indicicateds you are choosing to pay off your account. '' my account was at a {$0.00} and it said I had a balance of {$2.00} with a late payment due of {$40.00}! I called Conns they said they would have someone to close the account out. It usually takes 72 hours. The 72 hours passed and I called back on XX/XX/19 and nothing had been done to the account. Conns said they would have to create another ticket and it should take 72 hours to complete. The account had not been closed and the current pbalance has gone up to {$11.00} plus a {$48.00} late fee which makes no sense. I have paid Conns 's on time and never been late on a payment for three years. Can someone please help me get this resolved? I don't want it to hit my credit when the final payment of {$55.00} was made a week before the scheduled due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: NH

Complaint narrative:
These are all errors : Between XX/XX/XXXX and XX/XX/XXXX an inquiry made by XXXX XXXX XXXX  XXXX Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX These two accounts are not mine. Identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX {$1500.00} XXXX XXXX XXXX   Opened XX/XX/XXXX {$1700.00} XXXX XXXX XXXX CC Opened XX/XX/XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 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: CL Holdings LLC
State: MI

Complaint narrative:
I had an existing phone bill on my credit report for about 3 years and the claim was legitimate, until I paid the debt on XX/XX/2018. I contacted my bank and asked how I could better my credit score, and they informed me I could pay off old debts. They provided me with all the phone numbers of the companies I could contact. I paid {$74.00} on XX/XX/2018 to XXXX XXXX and I have bank statements that verify my claim. I have provided my documentation to XXXX and they will not display this debt as paid. I do not dispute that this debt once existed, but it was paid in full 15 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American express trying to collect XXXX debt not owed cfbp, FRA violaton

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: GA

Complaint narrative:
I told them, I was having problems paying my student loans, I'm currently on income based repayment and still Struggling, I owe over XXXX on student loans for an XXXX XXXX XXXX degree and XXXX still harassing me over XXXX dollars after, I had already graduated. My payments are over XXXX dollars a month, I am struggling.. This is with income based repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: Professional Finance Company, Inc.
State: FL

Complaint narrative:
This debt has been paid in full to the original creditor ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Idaho XXXX ) and should be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 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: MD

Complaint narrative:
I have sent dispute four dispute letter to the credit bureaus and the response I have a receive back was I have to verify the information and send in person information which I verified my address to have my address updated and its still incorrect. I have also never received and verification of the information on my credit report that is being disputed the credit bureaus want me to verify these items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I have contacted Credit Management on several occasions informing them that I do not owe any debt to XXXX XXXX for {$370.00}, as they are reporting on my credit report. They are refusing to provide written documentation to support this allege debt, and have refuse to remove it from my credit report. 

Credit Management is located at XXXX XXXX XXXX XXXX, TX XXXX They are attempting to collect a debt this is NOT MINES, and continuing contacting and requesting payment. They are ruining my excellent credit score and does not appeared concerned that I am being falsely accused. 

Please help me hold the debt collector accountable. 
XXXX XXXX is the original debtor Acct # XXXX Open XX/XX/2017 {$370.00} Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
they are still calling my husband and he is not a signer on this account, this is causing a lot of marital problems

Company response to consumer: Closed with non-monetary relief