vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
I was sent a letter from this company stating that I could call and make payment arrangements to keep a debt from going to the credit bureaus ... .i quickly took them up on there offer and my first payment of XXXX was due XXXX. I secured the payment with my debit card ... she then told me the account would be placed on hold and as long as I kept up my payments I would not be submitted. On XXXX I received a phone call from this same woman stating that the card I had gave them before had declined.. I let her know it was cut due to being stolen and if there was a way I could pay half the debt that friday XXXX then the other half XXXX When funds became available on my credit card I was told I would be fine and that it was no problem. Also the account would stay on hold ... I missed her call on XXXX due to working all night the night before but called back around XXXX to make the payment I had promised to keep the account current. I was met with a guy I really could n't understand and asked to speak to a supervisor. Once transferred the supervisor informed me the account was in default and had been submitted to the credit bureaus and there was nothing they could or would do..when I stated that XXXX I made arrangement with her company and was told I would be alright. She stated the account went in default once my card declined ... and it was over I hung up ... i called back later that night around XXXX a gentleman with a southern accent answered the phone. I explained the situation and asked if I could be transferred to the lady that processed my payment on friday. He told me that was impossible nothing is going to be done about this ... and anyone can help me. The submission is final and no I will not be able to talk to the lady I have been dealing with since day one.

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 2017-12-05 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: CarMax, Inc.
State: ID

Complaint narrative:
Multiple car companies and credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: ID

Complaint narrative:
Multiple car companies and credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
Fix my crsdit

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 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
From XXXX through XXXX of XXXX, an Equifax Inc. website vulnerability allowed criminals to gain access to my name, social security number, birth date, addresses, drivers license, and credit card numbers. My information has been compromised through ineffectual and irresponsible handling of critical data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: MS

Complaint narrative:
Stop falsifying information. No letters, no phone calls, no notice of any debt owed because I do not owe it. The letter was false and did not provide any proof of debt owed. The letter was written to me only in response to my complaint, Other than that I have NEVER been contacted by this company and they do NOT have a debt for me. I sent in proof of my identity but they are still offsetting my XXXX as per the US social security administration. NO EVIDENCE OF DEBT PROVIDED AS REQUESTED, NO NOTIFICATIONS EVER RECEIVED. No bills, no letters, no proof, nothing. They admit they have never ever contacted me. But XXXX XXXX, Customer Response Technician lied stating that notices were sent to me When I called AAFES admitted that nothing was EVER sent to me. There is no information in this response to identify this fraudulent supposedly certified Treaury Offset. Show me how you wrongly identified me. Credit card charges? What is this about? She stated according to our records, what records? No records were sent because they dont have any to send. Stop this unlawful XXXX for wrong identity. 
Social security XXXX is supposed to be exempt from this so how do they get away with doing this to me knowing that I do not owe them? I asked for proof and was illegally threatened with inprisonment. XXXX says that is like debtors court and is not legal in America. Yet they told me I can be put in jail for something I keep telling them I do not owe. This is so scary and so unfair and so not right. What are you doing to stop them?

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 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
On XXXX XXXX, 2016 XX/XX/XXXX XXXX XXXX opened up an account for XXXX dollars in my name. This is an error because I never opened up an account with XXXX XXXX. I would like for this to be removed because it is having a negative impact on my credit score.

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 2017-12-05 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: Aargon Agency, Inc.
State: KS

Complaint narrative:
The Company That We Are Making Payments To Towards My Credit Isnt Reporting Because Its Not Showing On My Credit Score.

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 2017-12-05 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: CA

Complaint narrative:
I am writing to investigate my account XXXX XXXX XXXX XXXX, Account number XXXX, Date opened : XX/XX/XXXX ; Amount : {$580.00} I have filed ftc complaint and written validation letters to XXXX XXXX XXXX XXXX many times from XX/XX/XXXX up to now, but XXXX XXXX XXXX XXXX couldnot validate that item.Yet, Experian bureau have not removed this negative item out of my credit report. 

Please investigate this case and remove that incorrect information from my Experian credit report. Thank you so much!

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 2017-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Continental Services Group, Inc. d/b/a ConServe
State: KY

Complaint narrative:
So in 2009 i went to school i was informed i was takeing out one loan and it was a promotional time so it would be abput 8,000 now i am being told it is 3 loans and like 15,000 i called to find out what i can do because i was told a different story they said theres noting they can do but give me an option to pay {$5.00} a month to pay it off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: Conn's, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX, I purchased a chair from XXXX XXXX for {$3900.00} plus tax and fees. The chair was delivered on XX/XX/XXXX, but was broken. I contacted the seller, sellers agent and home office and nothing was done, they refused to replace the chair for a new one according to their policy. I wrote, called, emailed and sent a letter by USPS. With no response I sent both and email and a letter cancelling the {$540.00} I paid for warranty, as well as informed I would report the charges of {$600.00} as fraudulent in my credit cards. I advised both the store and the home office I 'd dispute the charges and accounts as I requested them closed. Finally a technician was scheduled to fix the chair XX/XX/XXXXbetween the hours of XXXX and XXXX, I advised Conns in writing on XX/XX/XXXX that I would pay 1/2 the retail value on the base of the chair if they fixed it mi us the warranty I 'd written to cancel, I 'd begin payment 45 days after the chair was repaired. At XXXX XX/XX/XXXX the repair center called and said they would not make it and could n't reschedule. I contacted Conns again resending my prior offer as the chair is not repaired and I requested they come get it and allow me to speak to their arbitrator XXXX XXXX. They refuse stating my attorney has to call, however my contract says either myself or someone representing me could speak with them. 

In addition, the total amount owed on the chair is about {$2700.00}, not {$5200.00}. Conns has refused to follow their policies in regards to purchases and exchanges. I 've informed them that the debt would be disputed and received messages in return noting they understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I been trying to get a credit card for the longest. I never had one and every time I sign up I get declined. I want to have a chance so I can build my credit. So can y'all please help me thx.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: GA

Complaint narrative:
I did n't make these charges : XX/XX/2017 XXXX XXXX Il {$190.00} XX/XX/2017 XXXX XXXX XXXX XXXX Wa {$590.00} XX/XX/2017 XXXX XXXX Pmts XXXX Wa {$150.00} XX/XX/2017 XXXX XXXX Ny {$160.00}

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 2017-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX opened up a unwanted credit card with an address I dont live at. I dont own the XXXX  anymore as I gave it back and that account was also with the wrong address. How is this right? I want everyone dropped. This is pretty much showing someone else. I dont even stay at the address they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America, is holding funds from coming into my account so they are not available and debits payments. So that I am charged an overdraft fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
A loan unknown to me, because I never pulled a private loan was sent to collections and marketed my credit score. XXXX XXXX XXXX is claiming a {$15000.00} in collections from a loan I pulled 2years ago. I have been out of school for over 10 years, paying all and any of my loans through XXXX. I feel as if this is fraudulent and needs investigated. Please help. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX we made a payment of {$730.00} to BMO Harris Bank, as we always do on or around the XXXX of each month, but a few days later we noticed that the payment had come out of our account twice. One on XX/XX/XXXX. and one XX/XX/XXXX We did not authorize a double payment. We contacted our bank, XXXX XXXX, and they told us there was nothing they could do for us and suggested that we contact our mortgage company, ( BMO Harris Bank ). We contacted BMO Harris Bank, at XXXX and talked to a woman named XXXX on XX/XX/XXXX and explained the problem and told her we needed the money back to pay other bills and that the lack of money in our account was making other payments bounce, incurring charges from our bank for two over drafts. They told us they would mail us a check right away. They didnt. We called over the next month or so talking to other customer service people, one named XXXX near the end of XX/XX/XXXX. and there was always an excuse for why they hadnt sent the check. Finally one of the customer service people told us that they would just apply the money as our next months payment. They told us not to make the payment for XX/XX/XXXX. so we thought the matter was resolved. Then we got a payment delinquent notice for not paying the XX/XX/XXXX. payment. We called and ask for a manager, that manager was XXXX XXXX and explained everything to him. He assured us that he could see on our account that every thing had been taken care of, and not to worry. He gave us his number XXXX and encouraged us to call if anything went wrong. The following month we got another delinquent payment notice and the manager we had talked to, XXXX, will not answer his phone or return our messages left on his voicemail. They took our money and wont give it back or apply it as a payment. They are just keeping it.

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 2017-12-05 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: IN

Complaint narrative:
I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Unknown XXXX XXXX XXXX XXXX XXXX XXXX-multiple times XXXX XXXX-Unknown XXXX XXXX XXXX-Multiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX-Multiple times under different names

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 2017-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of Lancaster County, Inc.
State: PA

Complaint narrative:
Thank you for your recent communication wherein you claim to have validate the alleged debt. The information you have provided is woefully deficient and fails to establish that this is a valid item. 

First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, your agency or the creditor. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization AND to the original creditor. Your answers were condescending and I WILL be sure to report this negative response to the Consumer Financial Protection Bureau, Federal Trade Commission and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: MS

Complaint narrative:
I disputed a hard enquiry that was on my credit report ( Equifax, XXXX ), and I received a letter from XXXX XXXX saying that they had ask for the removal of the hard enquiry as the hard enquiry was made for TV service that I didn not authorize, but as of todays date, XX/XX/XXXX, it is still showing on my credit reports. I have a letter from XXXX XXXX that says they submitted the request back on XX/XX/XXXX. I am a victim of the data breach ( equifax ), back XXXX, 2017. I have a security freeze on my report. I want the credit bureau to honor the request to " REMOVE THE HARD ENQUIRY FROM THE CREDIT REPORTS AS IT LOWERS MY FICO SCORE ''. I DID NOT AUTHORIZE THE HARD ENQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: NY

Complaint narrative:
I had a student loan out with Navient and I called them to discuss being a teacher for a non profit organization about 7 years ago. They told me I would qualify for the Non profit forgiveness loan but I have wait 6 years and then {$8000.00} would be forgiven. I called them multiple times to follow-up and they gave me the same information ( phone calls are on record ). After 6 years I called and they told me we needed you to sign a form, you have to wait another 6 years now. A form was NEVER mentioned prior, I obviously would have done it, I even made follow-up phone calls to ensure I received the forgiveness, and I was never made aware of having to sign something. When I was obviously upset on the phone, the enployee told me Navient had been cheating their customers for a long time, it was announced 2 days prior to my call, and I should join the class action lawsuit. The lawsuit seems to be about late payments, which I wouldnt qualify for. I need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I sent a letter instructing Citibank to cancel my account # XXXX on XX/XX/XXXX, requesting that a physical check for the account funds ( approximately {$6000.00} ) be mailed to me. I sent several follow-up letters, but received no reply. Apparently, the account was actually closed, but Citibank did not send the funds to me -- instead, they say they marked it as " abandoned property '', and submitted it to the US Treasury. They did not inform me of this action ( despite having my email and phone number on file ), and I can not find any record of this with the US Treasury. I wish to have my funds located and returned to me by Citibank.

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 2017-12-05 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: IN

Complaint narrative:
I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX Disc-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXXMultiple times XXXXMultiple times Credco-Unknown XXXX XXXX XXXX XXXX XXXX XXXXmultiple times XXXX XXXX-Unknown XXXX XXXX XXXXMultiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXMultiple times under different names

Company response to consumer: Closed with explanation