vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-25 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: MI

Complaint narrative:
I recently received a copy of my credit report and noticed an unrecognized account from XXXX XXXX. After several attempts to speak with them, I found out that this loan was taken out using my information in XX/XX/XXXX for an address in Illinois. I have lived in Michigan since XX/XX/XXXX. I did not obtain this loan and have tried several times to have this information removed. XXXX XXXX has subsequently changed the information after I called them to my current address and contact phone number and will deny my disputes with the credit bureau because they have my current address. I have attempted several times to have them send me the information on the account with no such luck. They always take down my phone number but have YET to attempt to call me back. After doing more investigation, I found out that the branch where this loan was taken out had several employees commit fraud using other people information without their knowledge. I also found out that XXXX XXXX knew of this issue, but they still refuse to correct the credit of those affected. This is causing me a severe hardship and needs to be corrected IMMEDIATELY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I get phone calls everyday, they are calling relatives, friends and people I do n't have contact with anymore, they are calling my employer constantly and I am being reprimanded at work for the phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nations Recovery Center
State: NJ

Complaint narrative:
I was enrolled in XXXX XXXX XXXX XXXX XXXX in XXXX in XX/XX/XXXX. I took a XXXX program for a year. I am being sued by three different debt collection agencies for over XXXX, this school did n't cost XXXX. When I ask for the original document to prove the amount I owe they have't provided it and they also state the loan is from XX/XX/XXXX. I was n't enrolled in the school in XX/XX/XXXX.They are endlessly calling me to settle a debt that I do n't owe this amount. I received {$5000.00} from the state and took out a private loan from XXXX from XXXX XXXX XXXX XXXX. I have tried to contact school but they have closed. I also tried contacting XXXX XXXX XXXX XXXX and to no avail. I do n't know what to do. Company will not forward me any info on the original loan. I was never served with papers that I was being sued or notified of a court date the judgement was just entered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
There was offer from American Express Platinum card that adding each additional authorized user with {$500.00} spending requirement will give main card holder XXXX MR points per person. I added 3 users so total of XXXX MR points, but so far I got only XXXX points on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I got XXXX true XXXX and they offer 0 % rate for 6 months Card vas open on XX/XX/XXXX and  transaction vas posted on XX/XX/XXXX XXXX start to charge interest right away, talk to customer service few times and they sims don't care

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: CA

Complaint narrative:
I have been consistently making payments to Navient on my student loans. Navient doesnt allow flexible payment options. Theyre either ~ {$200.00} or $ 700+. I can not afford the higher tier option. As Ive been paying on the lower tier option less than 5 % of my payments have been allocated to principle. 95 % of payments have been going towards interest. For context, I took out a student loan in 2013 for {$20000.00}. Although I have been making consistent payments on the loan my balance is currently {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
There was offer from XXXX XXXX XXXX XXXX XXXX ( XXXX ) card last year that adding each additional authorized user with the spending requirement I met would give main card holder XXXX XXXX per person. I added 3 users for total of XXXX XXXX, but so far I got only XXXX XXXX on XX/XX/2017. 
I 've waited 4 months so far and they are not giving me another XXXX + XXXX = XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: AZ

Complaint narrative:
I have contacted XXXX XXXX XXXX ( the collections agency ) through the BBB ( please see attached ). I know nothing about this debt I have requested from the company anything with my signature on it or any type of statements. They have never contacted me regarding this debt. They claim they tried to call and I have never received anything in the mail, I know nothing about this supposed debt.

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 2018-01-25 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:
This company below posted a collection account on my credit report prior to contacting me or giving me an opportunity to dispute by law I have 30 days to dispute. By law the collection company is required to send notification of debt. 
This is the three company trying to collect on this debt. 

XXXX XXXX XXXX {$470.00}

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 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
I have a conventional mortgage with investors Bank ( formally XXXX XXXX ) since XX/XX/XXXX. I paid down less than 20 % of the load which requires me to have a Private mortgage insurance. I 've been making extra payments on the account each month which reduced my loan-value-ratio significantly. My PMI based on the disclosure statement is due to be dropped in XX/XX/XXXX. In XX/XX/XXXX when my loan reached 80 % of the loan to value ratio informed Investors Bank in writing twice for a removal of the PMI. The last correspondence was XX/XX/XXXX. My loan to value ratio is currently at 73 % ( Original home value {$200000.00} with current balance less than {$140000.00}. They failed to drop the PMI, stating that it 's due to be removed in XX/XX/XXXX and that I need a new appraisal ( they will have an appraiser from their bank contact me. To date I 've not been contacted by an appraiser ) to ensure that the property have n't decreased in value. My question is, should n't the PMI be dropped automatically when conventional loan reached 80 % of the original value based on federal law?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: MO

Complaint narrative:
I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX IN Last reported : XX/XX/XXXX {$7600.00} Good XXXX  Last reported : XX/XX/XXXX {$990.00} Good XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX/XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX/XXXX Last reported :XX/XX/XXXX Other Loans : XXXX XXXX XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX/XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25 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:
This company below posted a collection account on my credit report prior to contacting me or giving me an opportunity to dispute by law I have 30 days to dispute. By law the collection company is required to send notification of debt. 
This is the three company trying to collect on this debt. 

XXXX XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company below posted a collection account on my credit report prior to contacting me or giving me an opportunity to dispute by law I have 30 days to dispute. By law the collection company is required to send notification of debt. 
This is the three company trying to collect on this debt. 

XXXX XXXX XXXX {$470.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Today, I contacted bank of america " B/A '' via phone around XXXX XXXX about a {$10.00} over the limit withdrawal fee deducted onto my savings account on XXXX. I requested to be refunded the whole amount. After over 60 minutes discussion over the phone [ 30 minutes or more waited for the customer service " CR '' person to respond and look into request ], I was denied a {$10.00} refund to my personal savings account by the CR and the CR 's supervisor. In summary, I informed CR supervisor that the bank statement renewal was over 30 days late [ i.e. 34 days, should have renewed on or about XX/XX/XXXX], and that it is B/A fault, not mine. I informed the CR that B/A engages in unfair business practices, deceptive, and fraudulent ; and third party government complaints will be initiated to about two to three government agencies that will investigate into this. I informed B/A that other consumers/customers could be affected by these deceptive and fraudulent business practices, and that B/A is gaining revenue profit from this scheme. I informed the CR that B/A intentionally fails to inform the consumer/customer the amount of transfers taken during the activity of the account compared to informing the consumer/customer after five to six transfers have taken place during the 30 days of bank activity before the B/A statement renews [ i.e. 30 days ].

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 2018-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed 4 disputes with credit bureau and filed a complaint with cfpb and no one is correcting I talked to the owner XXXX XXXX and he sent me a letter I submitted and the bureau. I did not miss a payment the account has been paid off in full by me XXXX XXXX,2017 .IF THIS IS NOT CORRECTED IAM SUEING ALL PARTIES XXXX TRANSUNION AND XXXX XXXX XXXX correct this now on my report i have submitted proof it has been paid this is ridiculous and fraudelant to have paid and report that I missed XX/XX/XXXX payment .IT WAS PAID XXXX 9,2017 check the records

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: GA

Complaint narrative:
I have filed 4 disputes with credit bureau and filed a complaint with cfpb and no one is correcting I talked to the owner XXXX XXXX and he sent me a letter I submitted and the bureau. I did not miss a payment the account has been paid off in full by me XXXX XXXX,2017 .IF THIS IS NOT CORRECTED IAM SUEING ALL PARTIES EQUIFAX XXXX AND XXXX XXXX XXXX correct this now on my report i have submitted proof it has been paid this is ridiculous and fraudelant to have paid and report that I missed XX/XX/XXXXpayment .IT WAS PAID XXXX 9,2017 check the records

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: MO

Complaint narrative:
I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$7600.00} Good XXXX Last reported : XX/XX/XXXX {$990.00} Good XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX/XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX/XXXX Last reported : XX/XX/XXXX Other Loans : OTHER LOANS XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX/XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: MO

Complaint narrative:
I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported :XX/XX/XXXX {$7600.00} Good XXXX Last reported : XX/XX/XXXX {$990.00} Good XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX Last reported : XX/XX/XXXX Other Loans : OTHER LOANS XXXX XXXX XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25 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: Avantus, LLC
State: MA

Complaint narrative:
Dear CFPB, My XXXX credit report showed that there was a hard credit inquiries on XX/XX/2018. However, I did not authorize any company to hard pull my credit in the last few month. 

The detailed information of this company is : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Thanks for helping me to resolve the issue. 

Best.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest Recovery System put a debt collection on my credit report without contacting me about the debt first. The debt on my report is not mine, and I disputed it, and they put it back on my record. This record should not be on my credit report. 

I also believe they are calling my place of employment pretending to be somebody else.

Company response to consumer: Closed with explanation