vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. 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 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 and 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 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX is trying to Collect {$430.00} I Dispute before the 30 days but this collection agency is in violation of state and federal government regulations. The status of limitations has expired

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 2019-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX fails to provide evidence and verification of debt they are attempting to collect. 

XXXX XXXX PIN XXXX Amount {$1700.00} for XXXX XXXX XXXX Account # XXXX Date of Service : XX/XX/XXXX Asked for evidence of debt ( copy of bill, doctor name, etc ) on XX/XX/XXXX and again on XX/XX/XXXX. 

They continue to report on all three credit bureaus that I am delinquent. 

Consumer 's Desired Resolution : Proof of Debt, copy of billing or invoice for service on XX/XX/XXXX, doctor 's name, patient name. I need evidence that this is legitimate debt.

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 2019-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX are in contempt and violating my consumer right by furnishing the account starting with XXXX on my account please i need you to to verify the accuracy of the data and delete account and block any future report from XXXX XXXX. i don't recognize the company and i have never done business with this company before.

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 2019-02-01 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: GA

Complaint narrative:
XXXX XXXX  are in contempt and violating my consumer right by furnishing the account starting with XXXX on my account please i need you to to verify the accuracy of the data and delete account and block any future report from XXXX XXXX. i don't recognize the company and i have never done business with this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. 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 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 and 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 2019-02-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. 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 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 and XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX that I was approved for a Loan Modification and that my principal, interest and escrow would be {$1100.00} commencing XX/XX/XXXX. The loan was bought out on XX/XX/XXXX and OCWEN took over the loan. 

On XX/XX/XXXX OCWEN sent a statement stating my interest rate was going from 2.7 % to 4.75 % and my new loan payment would be {$3500.00}. Then my XX/XX/XXXX OCWEN statement stated I had a past due payment of {$100000.00} and my interest rate is now 5.375 %. 

When I asked OCWEN why the increase, I was told I had an interest only loan and that my loan amount should have changed on XX/XX/XXXX and I am now being charged for past due charges of principal and interest for the last 4 years 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account NAVY FCU Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FCU was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a formal complaint against BBVA Compass. I explained to BBVA Compass that I was a victim of fraud and the late payments that they continued to report on my credit report was not accurate and is a direct result from this fraud. BBVA has violated the FDCPA and the FCRA of reporting, they never contacted the credit bureau about this matter but yet continued to report this miss leading information. I explained to BBVA Compass the entire situation that when I purchase my XXXX XXXX from XXXX XXXX XXXX XXXX XXXX I signed a contract which we had agreed I was giving my XXXX XXXX   as a trade in. The dealer was going to take care of paying off the truck. I express to them that the payment was already due in a few days. They said to give a larger cash down payment and they will take care of paying off the truck. I received a call from the bank that my truck was financed through ( BBVA ) telling me about a missed payment. I started calling the dealer, the salesman that helped me and the finance manager were no longer working there. The receptionist that helped me said the dealership was under new management. This is only a few days after I called almost everyday trying to get a solution. I spoke to the new supervisor and he said he had no idea what happen to all the new contracts or actual truck. Time was passing by and the bank was calling me everyday and my credit was being ruined. My father and I went up to the dealership and was about to call the police and file a report about the truck I traded in being stolen since no one had any idea what happen to the contract or were the truck was located. After days and hours of trying to get this matter resolved the a new financial assistant got in contact with the proper people and a view weeks later the bank sent me a letter stating that the check was sent and the truck was paid off. But now my credit is showing missed payments that was not my fault. I have all the paper work and contracts I signed with XXXX XXXX that proves that they agreed to pay off the loan that same day. I will be glade to send BBVA this information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
This school is no longer in existence after countless promises of job placement and top tier support. It's now 10 years later and I haven't made a dent in my loans. I am a graduate with honors and have made on time payments since the end of my 6 month grace period. Sallie Mae has not offered any help but extensions and forbearances that will only help them in the long run. Regretfully, I have chose some of those options in times of need over the last decade. I am looking for information on how to proceed with elimination of payment to unrendered services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: CA

Complaint narrative:
Called Discover to dispute chargers under XXXX XXXX XXXX around in XX/XX/XXXX after trying to resolve issue with the company. Discover gave me the credit, but retracted back. I provided enough information to Discover, and clearly stated that those charges where not allowed. Company was really fishy, not returning calls, which phone number was only one, and it was the only way to get a hold of anyone. Discover postponed the evaluation, and finally declined my disputes after knowing that company closed on XX/XX/XXXX. Company/Seller never replied to Discover. I submitted proof of attempted getting something in writing, but how will the company reply when the company was planning to close and steal my money without me knowing. The companys phone number was only one, never return calls, and when i finally get the email, no reply whatsoever. Discover is saying that the charges are valid because the company/seller didnt confirm cancelation. The last call i made was on XX/XX/XXXX, and customer service/dispute told me she couldnt do anything. When i asked to speak with someone else, she did not direct me to anyone. I provided enough proof and clearly stated that the company was scamming me. Now Discover is making pay {$1700.00} when the company/seller was a complete scam, and Discover only  excuse is that the company didnt reply. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 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: DISCOVER BANK
State: UT

Complaint narrative:
I am a XXXX in college and have an issue regarding 2 hard inquiries on my XXXX   account. The credit reporting service I use is XXXX XXXX and when analyzing my Credit health, two hard inquiries are still present, which is false information. I contacted Discover Bank ( where both inquires came from ) last year, and both inquiries were removed off of XXXX and XXXX. 

XXXX First Inquiry : XX/XX/2017 Discover Bank Second Inquiry : XX/XX/2017 Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: WA

Complaint narrative:
I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
The original call on Citibank on XX/XX/2018 when XXXX did not show up to install the A/c unit. A credit card dispute was then opened with Citicard ( XXXX ). I provided Citibank with the following 4 documentations : 1. XXXX XXXX police report dated XX/XX/2018 XXXX # XXXX by Officer XXXX XXXX Badge # XXXX, 2. original XXXX XXXX XXXX invoice,3. repair invoice from second company ( they stated that a complete replacement was not needed. ) 4.Receipt of {$2000.00} charged by XXXX wife XXXX XXXX XXXX XXXX charged using mobile credit card terminal from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ca. 
The Citibank sent a letter on XX/XX/2018 saying that they could not honor the dispute. 


the following is My neighbor 's XXXX posting of the incident : XXXX XXXX of XXXX XXXX XXXX XXXX is a CROOK!! He was called to service my AC by the elderly landlords and XXXX came and said the unit 's compressor was bad. He convinced the landlord to put in a new unit and told him it would be {$2500.00}. XXXX told landlord {$2000.00} was to be paid on the spot and {$500.00} when job was completed. He wanted only cash!! He ended up charging landlord 's credit card using his ex-wife 's name and never came back nor did he answer landlords or my calls to find out what happened. Now the elderly couple are struggling to get their money back. He uses false license number too! Police report has been made. WARNING : STAY AWAY FROM THIS SCAM!! I selected one star to be able to post this warning! 

P.S. Other people have been scammed and made Ripp Off Reports online on yelp.

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 monetary relief
Consumer complaint received 2019-02-01 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: WA

Complaint narrative:
I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX 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 2019-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX 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 2019-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Barclay Card has attempted withdraw funds in recurring payment from the wrong bank account several times over the past 2 months ( XX/XX/XXXX and XX/XX/XXXX ) where the reoccurring payment was set up for a different bank account on their system. Barclay is now trying to levy a late payment / insufficient funds fee due to an error on their end.

I have tried to contact Barclay through their secure message centre and by phone about the matter but they refuse to acknowledge the problem exists even though I can log into their website and see the configuration myself.

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 2019-02-01 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: TN

Complaint narrative:
I don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX/XXXX XXXX, XXXX XXXX  XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was never late paying my accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I disputed the accounts with Equifax but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was never late paying my accounts XXXX/XXXX XXXX XXXX XXXX, and XXXX XXXX I disputed the accounts with Experian and XXXX but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-02-01 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: FL

Complaint narrative:
This is unbelievable, bureaus keep up with incredible reporting practices because they put stuff on my credit file without even informing me ahead of time.. They don't belong to me, I did not have an account with these companies, Please delete the mentioned accounts XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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:
i have few thing on report that where done in my name ..i had nothing to go on but put them in my bankruptcy but they still appear it the only thing i knew how to do so after bankruptcy i still see them on report so i tried to dispute but no luck there and i been watching XXXX  and got your contact so im asking please can you help me as well as inquiries that where not mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
I have attempted for too long to get this matter figured out with the bank. They have played games and having been dragging this along for years now. I began my dispute on unauthorized fraudulent transactions immediately after they began. This bank has done nothing but continue to allow fraud.

Company response to consumer: Closed with monetary relief