vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 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:
Both XXXX and Equifax are reporting inaccurate information regarding 2 credit card accounts. XXXX XXXX XXXX and XXXX XXXX XXXX. 

In XX/XX/2017 my home was burglarized and several credit cards were reported stolen. At the time of the burglary I did not have the balances that are showing in collections as indicated on both credit reports for the above listed accounts. These cards were used by the thieves before they were cancelled. Each company only covered a small amount of the charges that were not made by me. I was also informed that there was insurance on both accounts that covered the additional amounts. 

I have attempted several times to have this corrected and neither collection company will provide me with where they are receiving information from nor how they are validating the information. Furthermore, one of the 2 original creditors has since granted me a new line of credit which is good standing. 

The collection companies are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX My complaint is with all of the above. XXXX and Equifax for reporting the information from the 2 collection agencies that is inaccurate and erroneous. These 2 entries are having a severely negative impact on my credit reports and neither of the 2 collection agencies will respond. Go figure, 2 collection agencies will not communicate with me but are still reporting incorrect negative information.

Please help ... I am so over this ... My attempt to secure a  mortgage for a house failed because of this non sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I received a PRE-SELECTED loan offer, after Goldman Sachs accesses my credit and needed to provide a firm offer of credit. They declined my application because I have over {$500000.00} in a CD with them, and apparently their system is unable to handle two accounts to the same email. 

Im totally fine if you cant make me a loan, because of your incompetent systems inability to allow two products. BUT, do not illegally access my credit and send me a false preselected offer if you are unable to fulfill it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I just received a notification alert via XXXX that a medical bill is in Collection status, and I now have a derogatory mark on my credit report. I have not received any type of invoice or email concerning the bill, as I believe I paid all medical bills in full. 


Amount : {$120.00} Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is refusing to resolve incorrect payment information. I filed Ch XXXX and an account incorrect continued to report late payments. Experian INITIALLY fixed the problem, then months later reinserted the wrong information. In fact, their 'before and after ' image clearly shows this. 

None of these accounts had late payments, I had an automatic stay put in place. I have disputed the information but they still produced incorrect information. I have tried, many times, to have experian fix it only for them to MAKE IT WORSE and add additional late 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 explanation
Consumer complaint received 2019-03-08 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:
Both TransUnion and XXXX are reporting inaccurate information regarding 2 credit card accounts. XXXX XXXX XXXX and XXXX XXXX XXXX. 

In XXXX of 2017 my home was burglarized and several credit cards were reported stolen. At the time of the burglary I did not have the balances that are showing in collections as indicated on both credit reports for the above listed accounts. These cards were used by the thieves before they were cancelled. Each company only covered a small amount of the charges that were not made by me. I was also informed that there was insurance on both accounts that covered the additional amounts. 

I have attempted several times to have this corrected and neither collection company will provide me with where they are receiving information from nor how they are validating the information. Furthermore, one of the 2 original creditors has since granted me a new line of credit which is good standing. 

The collection companies are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX My complaint is with all of the above. TransUnion and XXXX  for reporting the information from the 2 collection agencies that is inaccurate and erroneous. These 2 entries are having a severely negative impact on my credit reports and neither of the 2 collection agencies will respond. Go figure, 2 collection agencies will not communicate with me but are still reporting incorrect negative information. 

Please help ... I am so over this ... My attempt to secure a mortgage for a house failed because of this non 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 explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citibank savings account package was changed without my consent, resulting in a monthly service fee which clued me to this incident. 

( 1 ) I have been a customer of Citibank for over a decade, and have always maintained a " Basic Banking '' account package, which charges no fees if the joint accounts have {$1500.00}. 

( 2 ) On XX/XX/2019, I was charged for the first time a {$25.00} monthly service fee to my savings account when my account balance was over {$1500.00}. 

( 3 ) On XX/XX/2019, I contacted two Citibank representatives through the Live Chat system to inquire about this fee. I was told by both of them that I was charged because I had a " Citibank Account '' package, which charges the monthly fee if there is < {$10000.00} in the joint accounts. Neither Citibank representative was able to tell me when the change was made to my account. However, they refunded the monthly service fee and changed my account back to its original, intended " Basic Banking '' package. 

( 4 ) In conclusion, this change in my account was done without my consent. I have always chosen the " Basic Banking '' package, and did not request for a different package. I was told that this could have been an automatic change accidentally by " the system. '' I am highly concerned that this is not an isolated accident, but rather, the tip of the iceberg of account fraud, similar to what was revealed at 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 2019-03-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reported fraudulent use of my identity that was used to open a XXXX account in XX/XX/2017. I have not had a XXXX phone account in over 14 years. The account was only open for a month from what I see and we had XXXX XXXX phones for years. I have attempted to dispute this with XXXX as well. I am trying to build my credit up but none of the credit bureaus are helping me to get negative Marks off when they need not be there.

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 2019-03-08 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: ME

Complaint narrative:
I had many hard inquiries I did not authorize I reached out to these companies got deletion letters also reached out to equifax and disputed these issue yet they wont fix the issues. Most of my inquiries are fraudulent I do have 2 out of the 10 inquiries deletion letters. But all of these are fraud not done by me and equifax refuses to remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I am requesting that Nelson & Kennard please read the attached validation request and please provide any proof that I owe this debt to XXXX XXXX XXXX ( their client ) I have not filed a lawsuit as of yet. I am requesting no phone calls and to be communicated with in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: AFNI INC.
State: KY

Complaint narrative:
XXXX tried/is trying to collect money from me for termination of their cable television service. However, I did not have any contract with XXXX, written or verbal, to pay them for termination of their services. They have the burden of proof. I know that they can not produce any written or verbal contract with me to pay any termination fees. Damaging my credit is simply a means of extortion. Neither XXXX nor their agents should be able to get away with this. Please expunge their claim from my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armada Corp.
State: WA

Complaint narrative:
Went to The XXXX XXXX for a routine medical appointment early XX/XX/2018. Never received any letters from them or Armada Corp prior to them sending me to collections. I only went once, however Armada Corp divided the bill into 7 accounts, making it look like I have 7 claims against me. But most importantly the bill is only for {$170.00} and some cents, but Armada Corp is wanting me to pay {$270.00}. I spoken to a few representatives at Armada Corp but they all refuse to go down to the original bill. I am willing to pay the {$170.00} and some cents, but feel the {$270.00} is unfair and too extreme in collection fees. Also, I wish The XXXX XXXX contacted me first before placing in collections. I spoken to a representative from The XXXX XXXX as well, but they too did not understand why it went straight to collections. I requested for a rep to contact me from The XXXX XXXX to apply for charity care or some assistance based on income, however The XXXX XXXX never mailed me an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: TN

Complaint narrative:
I opened an account with TCF called premier 50 in XX/XX/XXXX-XX/XX/XXXX. My account number ends in # XXXX I was not aware that they were going to charge these accelerated fees for nsf checks which they did me in XX/XX/XXXX, for over {$500.00} dollars. My account was only due a charge of {$35.00} or {$70.00} when I learned that I had an overdraft balance. 

I contacted the bank regarding this ruling asking for a reversal of this amount because I was not aware of this change. There were never any signs posted, nothing in the newspapers, etc that these accelerated charges were about to happen. Since most of the time, I used internet banking, nothing was listed to refer me to this change in policy. 

Also, there was no information regarding this change at the teller windows. It was almost as if it was hidden since I had opted for statements on line. During the same time I was complaining the television stations carried the story of the upset customers and claims were made to the XXXX   controller and Senator XXXX XXXX 's office. TCF still did not reverse these fees. I would have never agreed these fees or services. 

I was required to pay this {$500.00} before I could close this account. I am requesting a reimbursement of my fees that I paid for this change in policy that was unfair to me in accordance to the recent ruling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Results from an investigation were neither logged, rendered, nor provided to XXXX, in 30 days and or til date, despite XXXXs repeated requests. Second, XXXX requested Transunion to provide the method of accuracy & verification used by Transunion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Transunion remains non-compliance till date. Third, XXXX requested Transunion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX. Hence, Transunion again went silent.

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 2019-03-08 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: Total Card, Inc.
State: NC

Complaint narrative:
I recently reviewed s copy of my credit report when the company XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX list two charge accounts as charge off however in a settlement agreement with their 3rd party collection company an agreement was made to settle the account and they agreed to remove both accounts from credit report Account numbers are TOTAL CARD XXXX Account number Access Card XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: CA

Complaint narrative:
There are 7 Inquires on my credit that is not approved by me It is affecting my credit. I was a person that was a victim of the inquiry issue with TransUnion. These were misreported inquires. I called in a few times and spoke to Customer services but I was more like I was Irritating and just a waste of their time. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Delaware XX/XX/XXXX XXXX Mortgage XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I filed for chapter XXXX bankruptcy in XX/XX/2018. I also had my house burglarized during the same month - a police report was filed. Many items were stolen, and my credit card. Fraudulent charges were made on my card. The day before my discharge they told my attorney they are disputing the discharge. 
My attorney informed them the charges were fraudulent and to disregard them. We believed rightfully that to be the end of it. In XXXX I receive a notice of default judgment. THe credit card company and their attorneys fraudulently and under perjury claimed they served us notice of a lawsuit for which they did not. There was no process server, my attorney had no knowledge of it, and the county clerk said that they only have a sworn statement from their lawyer, now a criminal, that he properly served the notice of the lawsuit. 
Neither me nor my lawyer were given notice, and as such no chance to defend the allegation, or present the police report that would have easily cleared me of wrongdoing - especially since the credit card policy is no liability for fraudulent charges. 

Unfortunately, this blatant lie will cost me no less than {$1500.00} in attorneys fees to countersue and have the court date reset and judgment dismissed - which obviously if I just filed Ch XXXX I DO NOT HAVE. 

The attorney claimed he served notice via first class mail, which is not proper serving of A LAWSUIT. I have attached a letter that arrived -after- the lawsuit was finalized ( dated by the post office )

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 2019-03-08 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: AL

Complaint narrative:
My name is XXXX XXXX also know as XXXX XXXX XXXX XXXX. I am a victim of identity theft. this issue has severely ruined my life. I have been denied employment as well as an auto loan due to this unfortunate event. I also was involved in a criminal investigation as i was notified by the XXXX police that i was involved in bank fraud that i had no clue of. I have reached out to the bureaus several times.Wrote letters, called by phone and nothing has been done to correct this issue. I have sought legal counsel to help me in this matter seeing that the bureaus are unwilling to help. ( XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AL XXXX ) has decided to take up my case against the bureaus.Due to the well detailed paperwork that i provided him, he has spotted several breaches by the credit bureaus as it concerns the FRCA. In our pending lawsuit for non compliance, we have named the following XXXX XXXX XXXX NCAC Operations Supervisor XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX Vice President and Associate General Counsel XXXX XXXX XXXX Senior Vice President Enterprise Fraud XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice president, Chief legal XXXX TRANSUNION XXXX XXXX Executive Vice President XXXX XXXX Director fraud and identity management XXXX XXXX Vice President and division general counsel regulatory I am asking for all of the following accounts and unauthorized inquires be removed due to identity theft : Or we will be seeking Legal damages. I have opted out 5 months ago and have waived my rights for arbitrary agreement XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX  jXX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX {$560.00} JXX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-03-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Results from the investigation were neither logged, rendered, nor provided to XXXX, in 30 days and or til date, despite XXXX repeated requests. Second, XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX. Hence, Equifax again went silent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 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: NC

Complaint narrative:
I recently reviewed s copy of my credit report when the company XXXX/XXXX, XXXX/First XXXX, XXXX XXXX XXXX list two charge accounts as charge off however in a settlement agreement with their 3rd party collection company an agreement was made to settle the account and they agreed to remove both accounts from credit report Account numbers are XXXX XXXX  XXXX Account number XXXX  XXXX XXXX

Company response to consumer: Closed with explanation