vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX NC XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 
Sincerely, Name 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 non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking account through Bank of America on XX/XX/2019 for my unemployment direct deposit of {$190.00} every two weeks. At the time when I opened the account the associate stated there was no monthly maintenance fee as long a a total of deposits were {$250.00} or more per month. I called to confirm with another associate and they also confirmed there would be no monthly maintenance fee for the amount I was having deposited by my unemployment check of {$190.00}. On the third month I was charged a maintenance fee of {$12.00} and the associate was unsure of why I was never charged the first two months and why there was a fee that month so she reversed the fee of {$12.00}. The follow month there was a {$12.00} maintenance fee so I ended up closing the account on XX/XX/2019.

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 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NJ

Complaint narrative:
I have a collection account of {$700.00} from the collection agency listed as National Recovery Agency. I have contacted the agency by phone calls, emails and certified mail asking for debt verification and for the account to be removed from my account. I have also disputed this account with the three credit bureaus. I have been unsuccessful and this collection is extremely hurting my credit score and now my livelihood ; I have been denied housing and transportation because of this false account.

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 2019-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Management Corporation
State: TX

Complaint narrative:
Regional Finance has been calling my place of employment. I have already asked them to not contact my place of employment as I am not supposed to receive personal calls at work. The woman I spoke to stated she would note my account however I keep receiving calls from XXXX at work, who is also the branch manager, I know this because he is the one that calls my cell and leaves voicemails. Although he does not directly speak to me at work as I am usually in meetings when he calls, I am always left with a message that a XXXX has called, left no message, said he would call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: SC

Complaint narrative:
on XX/XX/XXXX we ordered food at 1 or 3 in the morning from XXXX XXXX I mean from XXXX XXXX a local place in XXXX XXXX XXXX to XXXX two minutes later the amount of XXXX dollars and XXXX cents another mount for XXXX dollars and XXXX cents and then another amount for {$0.00} all three of them States ATM withdrawal is no way possible you can even injure all withdrawal does large amounts out of ATM anywhere that I know of even in South Carolina so with that being said they know we didn't use the money that's it it's a lot of fry going around they promised us three emergency expense diet call confirmation numbers they would expedite the process due to the circumstances they told us to send in the dispute form being that it didn't get here in a timely fashion we created our own dispute form with a case number on it all the information times dates and everything still yet have yet to hear from the XXXX XXXX each time I call they won't go online for 3 hours waiting my sister has no food she just got a tooth pulled she can't even feel prescriptions also her rent is due date charging her late fees we went into the local social security office is nothing they can do she has a mental health appointment this week she has a copay she has to pick up other XXXX   medications and whatnot they still will not comply it's been since the third for the first dispute form I send in my own cover sheet and everything they said they received the emails the investigator will Contact we no one ever called back at please tell me what to do cuz the XXXX XXXX is not doing their job is disgusting is sick and I told them my sister make XXXX did they told me to go to the local social security office and see what they can do I don't know what else to do a promise this emergency transactions are emergency funds because they said it's going around some company from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they know that we didn't use the one that all we order the food came to a total of {$20.00} we still have the card in our presence they sent out another car and told us three times the funds would be on the card you receive the card the new one in the funds are there please contact us asap please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have a Citibank MasterCard. I made a payment on XXXX of {$9300.00}. As of that date my balance was {$9200.00} so I overpaid. I received my statement this month and I will still charged {$99.00}. The explanation given to me by Citibank made no sense why I was charged interest. Based on their rational the statement was incorrect than because even though it said what my full balance was, paying that doesn't matter, I still was going to get charged interest which makes no sense.

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 2019-10-17 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This summer I was a victim of employment fraud that involved American Express. I currently am obtaining information from the federal authorities on three continents as to the results of their investigation. The fraud department at American Express has been wonderful in working with me however, in theses changing times the current definition of fraud is insufficient. The card possession rule does serve to protect your customers as well as it used to. My case is a good example of how criminals are exploiting American Expresses procedures with other banks and in my case, XXXX XXXX XXXX. 

Specifically, my injury occurred between the time I submitted the payment and the time the charges came back as reversed/ insufficient funds. I would have expected XXXX XXXX XXXX to know who their account holders were as directed under the US Patriot act for banking. Second, I would have expected that American Express and XXXX XXXX to have alerted me to the fact that this reversal of funds/ insufficient funds in a reasonable amount of time. My experience was 26 days! During that time I saw payments post with clarity and available funds replenish my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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:
Someone used my personal information to obtain medical services that i'm not aware of at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I was given a notice by attorney XXXX XXXX of XXXX, Michigan on behalf of XXXX XXXX that I allegedly owed a debt on a credit card. Once I received this notice I sent letters three times to attorney XXXX asking that the documentation ( I have attached one example of the letter I sent ) regarding these claims be sent to me. He never responded, instead he filed a lawsuit in the local district court against me on behalf of XXXX XXXX ( also attached ). In addition, in that lawsuit he had me named but asked for a judgment against a different person, whom I know nothing about and never heard of that person. Also, when they posted the lawsuit on my door, they caused damage to the door. During this whole process, they continued to harass me, but yet did not provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to use my Target Card Card ( issued by TD Bank ) and was declined. I called the company and they said that I was close to my credit limit of {$2500.00}. I offered to pay down the bill, but they were unwilling to take my payment. They said that their system could not " see '' my more recent charges and that they would not accept payment. I does not seem fair or legal that a credit card company would tell me I had a high enough balance that I was unable to spend, but at the same time that they would not take my payment for money I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: BB&T CORPORATION
State: FL

Complaint narrative:
REGACCEPT - XXXX Debt {$72.00} was included in a Bankruptcy Chapter XXXX and needs be removed from credit bureau.

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 2019-10-17 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: CA

Complaint narrative:
Someone used my personal information to obtain medical services that i'm not aware of at this time.

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 2019-10-17 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:
Someone used my personal information to obtain medical services that i'm not aware of at this time.

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 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my credit report and it shows XXXX XXXX charged off. I also show XXXX XXXX who the account was sold to as paid on my credit report so the same account is reporting on my credit report from XXXX XXXX. If they sold it to XXXX XXXX and it was paid why would they put it back on my credit report as charge off after the account was paid with XXXX? FCRA states that an account can not report on your credit report twice so I asked for it to be removed and they refused to do so.

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 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
I have contacted Jefferson Capital Systems , LLC to try to negotiate a reasonable settlement plan, explaining that I can not afford to pay more than {$25.00} to {$50.00} per month considering a death in the family and prior to the passing of that family member, I was caring for that family member 's long and progressive illness from two years prior. I have also had other problems in the mean time, including loosing my health insurance and paying off other debts. They did not want to stop any collection actions until I plan to make a payment plan with them. They wanted me to come up with {$100.00} within 7 days and for a month there after. They don't seem to care about my situation. I will also file a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have checked my credit reports ( Experian, XXXX and XXXX  ) and I have noticed that the account with XXXX XXXX closed in XX/XX/XXXX and last paid date on XX/XX/XXXX continues being reported on my credit history. It should not be longer in my credit reports.

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 2019-10-17 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:
I file ( mail ) a dispute with XXXX & Equifax pretending to XXXX XXXX XXXX  on XX/XX/19 explaining that I was a victim of identity theft ( fraud ). Below is the exact wording in my letters. 

" My personal information was used to obtain or try to obtain credit in my name. Please remove this information from my credit report. I am not asking for you to validate or verify with the following companies, reasoning being they will of course validate or verify the info if my personal info has been compromised. These accounts are fraudulent, I have included a copy of the police report filed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Please review complaint number XXXX that was submitted to the CFPB. I have additional evidence and was not able to attach to the original complaint. Therefore, I have opened this complaint. 

Navient has refused to remove late payments from XX/XX/XXXX thru XX/XX/XXXX. However, I have requested deferment multiple times with this organization. Navient was first informed in XX/XX/XXXX of my economic hardship. I sent a letter during that time and sent another letter in XX/XX/XXXX. Also, a phone call was made to Navient on XX/XX/XXXX. According to Navient 's response in complaint number XXXX, Navient claims they were not contacted until XX/XX/XXXX. This is false and Navient is lying to a federal agency, which is a violation of federal law. Please see attached email, phone record, and letter from XX/XX/XXXX. The email correspondence shows that Navient was informed of economic hardship. Navient responded to my email requesting that I call for assistance. I called Navient ( as shown in the attached phone record from my XXXX wireless service ) at XXXX XXXX on XX/XX/XXXX at XXXX. The representative requested that I send a letter. See attached letter that was sent along with a printout of my economic hardship. Navient did not place my accounts in deferment and is reporting late payments, although they were informed of my deferment request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have issued a check from my checking account for {$10.00} payable to elementary school. 
My checking account has enough balance but check was declined with reason account frozen. School has issued a debt collection letter for {$10.00} + {$30.00} fee = {$40.00}. 
It was so embarrassing for declined check of so small amount + costed me {$30.00} fee. 

Upon contacting Citi bank, I was told that even though checkbook was issued by Citi. It is citi policy that check should have been activated before using hence auto declined. 

Contacted Citi bank via online chat on XX/XX/XXXX at XXXX CST. I was on chat for hour with 90 % wait/hold time ( Citi should be able to check thr record ). such a poor customer service

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 2019-10-17 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: ID Analytics, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX WAY, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, I wrote a check ( # XXXX ) for {$4500.00} which was subsequently deposited and debited from my checking account on XX/XX/XXXX. On XX/XX/XXXX, the same check was again debited with the same amount from my checking account. At the time, I was starting a business and wearing many hats, I only noticed the error on XX/XX/XXXX, I contacted my bank ( CITIBANK ) bout the issue and they refunded within a week the amount that was debited twice. Again on XX/XX/XXXX, the bank debited {$45000.00} without consulting with me, putting my account in a negative balance. Following a dispute, they sent me a letter dated XX/XX/XXXX stating " We are attempting to collect the difference from the paying bank for check number XXXX which posted for {$4500.00} to your account on XX/XX/XXXX. Due to the time elapsed for your claim, we can not guarantee funds will be returned. ''

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 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation