vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-08 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: FL

Complaint narrative:
I HAVE SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT DONT BELONG TO ME! SOMEONE IS TRYING LIKE CRAZY TO APPLY FOR STUFF IN MY NAME! 

XXXX  : - XXXX/XXXX  XX/XX/2018 XXXX  - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards -  XXXX XX/XX/2018 Finance, personal XXXX : - XXXX  XXXX XXXX XX/XX/2018 Bank Credit Cards - XXXX - XXXX XX/XX/2018 Miscellaneous Utilities - XXXX XXXX XX/XX/2018 Telephone Companies - XXXX/XXXX XX/XX/2018 Personal Loans Cos. 
- XXXX/XXXX  XX/XX/2018 National Credit Card Cos. 

TRANSUNION : - XXXX  XXXX XXXX  XX/XX/2018 Bank Credit Cards - XXXX  XX/XX/2018 Credit card and travel / entertainment companies - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel - XXXX  XX/XX/2018 Utilities and fuel

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 2018-12-08 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
The company that I am having problems with is Experian. Over a year ago I had to declare bankruptcy. When I filed bankruptcy it was supposed to clear out my debt and give me a restart on my credit. I understand the bankruptcy will be on my credit report for up to 10 years. 

The problem is Experian is including 10 accounts that I was not able to pay and showing them as delinquent. These accounts were settled with my bankruptcy and they should not be included in my credit report. 

I do not have this problem with XXXX or with XXXX XXXX. What can I do to get Experian to remove those 10 accounts that were more than 60 days behind from my credit report?

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 2018-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
American adjustment bureau continues to report to all 3 credit reporting agency 's on 3 different amounts and medical original debt. I have requested confirmation from the collection company to verify that I received a product or service, proof that they gave a contract to collect in behalf of original creditor and or an assignment of debt bought. I have only received a printed copy of there statement and noting that shows my id, signed paper. Any hospital or medical always asks for id. Also they have said I am unable to locate yet reside at same address as if XX/XX/2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I tried to apply for a credit card through my bank XXXX XXXX  and was denied on XX/XX/2018 due to insufficient credit file I also tried to apply for an apartment at XXXX  XXXX XXXX  XXXX Texas and was also denied because a flag is on my credit fraud protection with XXXX. I tried several times to contact XXXX  and try to resolve this matter for I did not put this on my credit and it's causing me not to be able to apply for things I did to dispute a matter which was fraud use on my credit they completed that dispute and just dismissed it off my credit but they also added a fraud protection which I did not ask for and I am not able to apply for things that I need to apply for and I'm being denied from companies.

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 2018-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient continually raises my interest rate. Every year, it goes up at LEAST .5 %, and it is currently at 10.75 % ; up .75 % this year alone. I have tried contacting them to lower my interest rate ( I have a near perfect repayment history with them ) but they always tell me there is nothing they can do. I can not afford to pay more per month to pay this loan down, so it just sits there collecting an absurd amount of interest. I feel they are taking advantage of me and I feel powerless to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT DONT BELONG TO ME! SOMEONE IS TRYING LIKE CRAZY TO APPLY FOR STUFF IN MY NAME! 

XXXX : - XXXX/XXXX XX/XX/2018 Jewelers - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards -  XXXX  XX/XX/2018 Finance, personal EQUIAX : - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards - XXXX - XXXX XX/XX/2018 Miscellaneous Utilities - XXXX XXXX XX/XX/2018 Telephone Companies - XXXX   XX/XX/2018 Personal Loans Cos. 
- XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX 

XXXX  : - XXXX XXXX XXXX  XX/XX/2018 Bank Credit Cards - XXXX  XX/XX/2018 Credit card and travel / entertainment companies - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel - XXXX  XX/XX/2018 Utilities and fuel

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT DONT BELONG TO ME! SOMEONE IS TRYING LIKE CRAZY TO APPLY FOR STUFF IN MY NAME! 

EXPERIAN : - XXXX/XXXX  XX/XX/2018 XXXX  - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards -  XXXX  XX/XX/2018 Finance, personal XXXX : - XXXX  XXXX XXXX  XX/XX/2018 Bank Credit Cards - XXXX - XXXX XX/XX/2018 Miscellaneous Utilities - XXXX XXXX XX/XX/2018 Telephone Companies - XXXX/XXXX XX/XX/2018 Personal Loans Cos. 
- XXXX/XXXX  XX/XX/2018 National Credit Card Cos. 

XXXX : - XXXX  XXXX XXXX XX/XX/2018 Bank Credit Cards - XXXX  XX/XX/2018 Credit card and travel / entertainment companies - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel

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 2018-12-08 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX I'm a victim of ID Theft and I have sent chexsystem a copy of my ID Theft police report.

These two accounts are listed on my chexsystem report do to ID Theft. The last Four digits associated with these 2 accounts does not match my Social.

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 2018-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
On XX/XX/2018, I starter receiving calls from Diversified Consultants and the representative was XXXX XXXX from phone number ( XXXX ) XXXX stating about a debt that they claimed I owe for a XXXX bill that I never had in my name. However, I sent in a verfication letter from them that same day inquiring about the bill and requested that they send me something with my valid signature proving that I had some type of legal ties to them via certified letter. In receiving the letter, they sent me a bill which still to this day havent provided me with valid signature. Considering that this business does not have a contract with me for goods or services, nor have they provided me adequate proof therefore I am not obligated to pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08 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: Early Warning Services, LLC
State: NV

Complaint narrative:
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX I'm a victim of ID Theft and I have sent XXXX  a copy of my ID Theft police report. 

These two accounts are listed on my XXXX  report do to ID Theft. The last Four digits associated with these 2 accounts does not match my Social.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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:
On XX/XX/2018 I was notified by XXXX XXXX a hard credit inquiry was just made by XXXX XXXX XXXX to Equifax. 

I have never done business with XXXX XXXX XXXX. I did NOT authorize this hard credit inquiry. 

I pulled a copy of my Equifax report and saw the inquiry. I have attached the page of the report showing the inquiry. 

I called XXXX and they advised I call Equifax. I did an online dispute with equifax. I have attached a the initial inquiry response. 

On XX/XX/XXXX Equifax advised they reviewed my dispute and will not remove the inquiry. They advised XXXX XXXX XXXX could remove the inquiry. They further stated XXXX could electronically remove the inquiry. 

I called XXXX again on XX/XX/XXXX. A manager informed me XXXX would not and could not remove their inquiry. He assured me he has handled 20 different  complaints such as mine and they could not remove the inquiry. He suggested I call Equifax. He did confirm I did not have an account at XXXX. He could not confirm I authorized them to run my credit. 

I called equifax and they said XXXX must remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
As of XX/XX/2018 ( 10 mos ) i was suppose to had open up an account with XXXX XXXX XXXX XXXX! I NEVER EVER EVER HAD XXXX XXXX AND I DIDNT EVEN HAVE MY OWN APARTMENT AROUND THIS TIME FOR ME TO HAVE HAD CABLE. this needs to be taken off my credit ASAP IM VERY UPSET BECAUSE THIS IS FRAUDULENT. And is making my credit score poor. The balance is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion keeps messing with credit score I have reported this. My score is XXXX now today I dont have a 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 2018-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 Days late?

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: KS

Complaint narrative:
I was notified of a debt by IC Systems and contacted them XXXX of XXXX. I did not have the full balance owed of XXXX, but I was able to set up a payment plan where they would withdraw {$100.00} on XX/XX/XXXX and withdraw {$50.00} every month on the XXXX for 8 months, and then pay the remaining balance of XXXX on XX/XX/XXXX. I also inquired about making additional payments to lower the final payment which they told my I needed to call in to do so. Additionally, I was told that as long as a did the payment plan and had it paid off by XX/XX/XXXX they would not report it as a collections account to the credit bureaus. I made two additional payments : on XX/XX/XXXX for {$50.00} and XX/XX/XXXX for XXXX. This brought my final payment to {$200.00} on XX/XX/XXXX. Both times, I called to make the additional payments I confirmed that the final payment set up on XX/XX/XXXX would pay off the loan. Both times, the representative told me it would. The final payment of {$200.00} was paid successfully on XX/XX/XXXX. The account was paid in full. However, on XX/XX/XXXX I received a credit monitoring alert on my phone. When I checked my credit report, it showed a new collections account from ICS was added on XX/XX/XXXX. I pulled up my IC Systems account on XX/XX/XXXX and it showed I still had a balance of XXXX. This is completely inaccurate. I attempted to contact IC Systems and I was unable to reach a person. The phone would ring. It would say no one is available and ask if I wanted to leave a voicemail. When I attempted to leave a voicemail it said the box was full and hung up. This is horrible debit collection practices and I expect this to be resolved immediately. I paid the account in full and should not have to go through this mess.

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 2018-12-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: UT

Complaint narrative:
This is a follow-up complaint to CN # XXXX ; which was not my Bankruptcy but the mess from XXXX XXXX problems!?! Due to your help earlier help with this matter I hadn't heard from Real Time Resolutions , Inc. until a few months ago and I have again with this filiing attached the latest correspondences! I hope you have the information on the US State Departments Ruling against XXXX XXXX XXXX and all the other Financial Institutions. I spoke with XXXX XXXX XXXX a couple of years ago, now, and they told me I was going to receive a letter as was on the internet on that Settlement where XXXX agreed to " Forgive the Illegal HELOC Loans '' from XXXX that XXXX took over! I even had a family member that got one of the letters and they were posted on the internet of which I tried to make a copy of one of them, but couldn't get it to print! So, I know it exisited!?! Also, if you look back at my original filing on this matter, I never approved this HELOC, if fact I thought I had refused it all together, as the documents had many pages of questionable changes, modifications, and pages I never saw or signed or had the opportunity to Refuse under the Federal Guidelines of all Mortgage Loans!?! I was going to noted that also I still have not ever gotten one reply to how they ever have come up with the total amount they claim is owed on this Loan either!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My loans are being serviced by Navient and Navient 's website doesn't provide me with enough information about my account to properly manage it. 

On their website, there is NO option to download monthly account statements showing previous balance, current balance or how much interest is being charged vis-a-vis how much of my payment they're applying to the interest. The website shows me how much of my payment is applied to interest, but without knowing how much interest is being charged, I have no idea if I'm paying all the interest every month or if some of it is being capitalized. 

There is also no option to discontinue electronic account management and return to snail-mail, paper statements. 

I'm on an " interest only '' repayment plan, but I've been consistently paying $ XXXX- {$50.00} more than the minimum payment for almost 3 years, but my balance never seems to go down. 

Don't I have the right to see and download full monthly account statements showing previous balance, current balance and interest charged? Navient won't give me this information. It seems very shady to me and I have to wonder what they don't want me to know. 

I can't attach any documents because there's no monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
As of XX/XX/2018, I have made 4 payments totaling {$750.00} to XXXX XXXX XXXX XXXX   XXXX, however none of them have been credited to my account. They have all been paid through Capital One Bill Pay and Capital One shows that all payments have been processed ( Exhibit A ) and cashed ( Exhibit B ). However, XXXX XXXX shows they have not received any payments since XX/XX/2018 the last payment they show was in the amount of {$280.00} ( Exhibit C ). I have received a delinquency letter ( Exhibit D ) and have been charged at least one late charge ( Exhibit E ). I do not want XXXX XXXX to report my account delinquent to the credit reporting agencies. 
As soon as I noticed this problem, I contacted Open Sky on XX/XX/2018 and spoke to XXXX ( around XXXX XXXX  EST ). She took down my phone number in case we were cut off. She said she would have to start an investigation and she put me on hold for so long we were either disconnected or she hung up. She made no effort to call me back. From the absolute void of information from XXXX XXXX since then, it looks like she made no effort to launch the investigation either. 
To date I have not received any notices from XXXX XXXX about the investigation, not to mention over Seven hundred dollars of my money missing. In short, I do not believe XXXX started any investigation and I find that criminal in light of the credit problems and monetary losses that are clearly foreseeable. The payments are as follows : XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$300.00} Unfortunately, I have so often found myself in the position of being told lies, incorrect information, etc. it has become necessary to file complaints with the CFPB just to get someone in authority interested the problem I do not want to find late payments have been reported to the credit reporting agencies, and I am apparently the only one who is trying to find a solution to my missing money. 
I have filed this complaint against both XXXX XXXX and Capital One in the event Capital has not remitted the payments to the correct account. Something is wrong and it appears the answer lies in one of the two Defendants.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
That Wells Fargo want let me open a bank 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