vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The official AnnualCreditReport website is intended to be an easily accessible way for consumers to review their credit reports from XXXX, Experian, and XXXX each year. After entering my personal information on this website on XX/XX/2019, including my social security number, I was immediately notified by all three credit bureaus that they are unable to deliver my credit report online for some unexplained reason, and instead simply redirected me to either a phone number or a postal address. I could have reached out via these channels on my own without having to visit the AnnualCreditReport website and entering my SSN -- so what is the purpose of the AnnualCreditReport website? It seems to me that the credit bureaus are only on the AnnualCreditReport website to make it seem as though they are transparent and easy to reach, while they really are discouraging access to information by creating unnecessary hurdles for consumers to jump through.

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 2019-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I recently lost my job and I have contacted the company to let them know and make arrangements with them, but they keep adding interest on and I will never be able to catch up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I sent a debt validation letter on XX/XX/2019 to Credit Collection Services to validate a debt they have on my credit report. Instead of validating the sedentary they sent a health insurance claim form. This is not my debt and they have been able to provide any documentation with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Obtaining a copy of my credit report I've noticed credit inquiries that are on my report that I have never applied for. I have reached out to Equifax to dispute these items and they have provided me no assistance in correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: NC

Complaint narrative:
I have been the victim of identity theft and several addresses, accounts and inquiries have been fraudulently added to my credit file. here are several addresses that are a result of identity theft and need to be blocked on my credit file XXXX XXXX XXXX # XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX and the Inquiries XXXX XX/XX/2018 XXXX Card XXXX, XXXX Card XX/XX/2018, XXXX  Card XX/XX/2018 XXXX XX/XX/2018, XXXX XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX   XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018 all of these have been listed on id theft affidavit from the FTC and a police report where it happened. these are not mine I have sent letters regarding this issue with no luck I am sending this here to make sure this matter gets the attention it needs and all of these items are blocked permanently as fraud from my file.

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 2019-07-07 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: NC

Complaint narrative:
I have been the victim of identity theft and several addresses, accounts and inquiries have been fraudulently added to my credit file. here are several addresses that are a result of identity theft and need to be blocked on my credit file XXXX XXXX XXXX # XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX and the Inquiries XXXX   XX/XX/2018 XXXX XXXX XXXX, XXXX XXXX  XX/XX/2018, XXXX  XXXX XX/XX/2018 XXXX XX/XX/2018, XXXX  XXXX XXXX  XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX/XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018 all of these have been listed on id theft affidavit from the FTC and a police report where it happened. these are not mine I have sent letters regarding this issue with no luck I am sending this here to make sure this matter gets the attention it needs and all of these items are blocked permanently as fraud from my file.

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 2019-07-07 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: NC

Complaint narrative:
I have been the victim of identity theft and several addresses, accounts and inquiries have been fraudulently added to my credit file. here are several addresses that are a result of identity theft and need to be blocked on my credit file XXXX XXXX XXXX # XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX and the Inquiries XXXX XX/XX/2018 XXXX Card XXXX, XXXX  Card XX/XX/2018, XXXX  Card XX/XX/2018 XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018 all of these have been listed on id theft affidavit from the FTC and a police report where it happened. these are not mine I have sent letters regarding this issue with no luck I am sending this here to make sure this matter gets the attention it needs and all of these items are blocked permanently as fraud from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: OH

Complaint narrative:
XXXX XXXX has sent a computer generated copy of an order for that is not a validation of credit. Any Esignature must also have a wet signature. 
Esignature documents must have Name Address Social DOb attach to make form legal. 

This e signature doesn't have a XXXX address ip address or any Digital certificates

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 2019-07-07 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: OH

Complaint narrative:
XXXX XXXX has sent a computer generated copy of an order for that is not a validation of credit. Any Esignature must also have a wet signature. 
Esignature documents must have Name Address Social DOb attach to make form legal. 

This e signature doesn't have a XXXX address ip address or any Digital certificates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Earlier today, I went to Citi 's website to close one of our credit card accounts. I was disappointed to see that " secure Message Center '' feature is not available, to communicate with Citi and have a secure environment to facilitate this. 

I proceeded to start a chat session. While chatting with the agent, I was kicked out of the session reporting inactivity detected.

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 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
A debt that originated with XXXX XXXX totaling {$120.00} has been referred to the collections agency, Diversified Consultants. This unpaid debt originated in XXXX, TX occurring some time within the past 3 years and belongs to my mother. I have lived in XXXX, TX for the past 12 years and have never had any accounts with XXXX XXXX. 

This company, Diversified Consultants, has falsely reported to the credit bureaus, beginning XX/XX/2018, that the debt is mine. They have also harassed me via phone, and their false reports are negatively impacting my ability to submit for a home loan. 

I have submitted repeated reports about this false debt to the credit bureaus, but I am finding it difficult to get them to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: NC

Complaint narrative:
I have disputed items that are on my credit report with Equifax, they have continued to ignore my disputes. They have not responded nor investigated these disputes. 
My first dispute was sent to them on XX/XX/2019 which they did not respond to, I gave them until XX/XX/2019 and still no response at which time I sent them a no response including the accounts disputed and a copy of the previous letter I had sent them disputing these accounts. It id now XX/XX/2019 and still no response from Equifax. My rights to dispute accounts reporting on my credit reports are clearly outlined in the FCRA and I demand that they follow the law and as written.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
OKAY SO LET ME START BY SAYING HOW XXXX I AM WITH THIS COMPANY! IVE BEEN WITH THEM FOR YEARS AND HAS BEEN VERY LOYAL!! ANYWAYS SO I CLOSED MY ACCOUNT, THE REP I TALKED TO ON THE PHONE TOLD ME I CAN PAY IT OFF WHEN I WANT SHE NEVER TOLD ME THAT I WOULD BE GETTING LATE FEES!! SO ABOUT TWO MONTHS LATER I LOOKED AND SEEN THE LATE FEES CALLED AND TOLD THEM WHAT THE LAST REP TOLD ME THEY BASICALLY TOLD ME I WAS LYING AND THEY WERE GOING TO LOOK INTO THE CALL ITS BEEN ABOUT 3 MONTHS STILL NOTHING, THEY KNOW THEY WAS WRONG THEY TOOK THE LATE FEES OFF MY ACCOUNT BUT DID NOT REPORT TO THE CREDIT BUREAUS SO THE LATE FEES ARE STILL ON MY CREDIT ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to report nonsense on my credit report. I have repeatedly sent letters verifying and indicating that the information they are reporting is inaccurate and needs to be removed. They remove it for a month and then place it back on my credit report. I am taking them to court in small claims court I have documentation to prove so. This is becoming ridiculous I have been dealing with them for a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
I have contact Bull City Financial Services 2 times sending validation of debt. I have not received any information validating the debt in the amount of {$950.00}. I have sent certified letters 2 times and have waited the the 30 days each time, with no response from Bull City Financial. They are reporting on all 3 credit bureau 's. I have requested the item to be removed from all 3 credit bureau 's and they are still showing hurting my credit. I'm trying to buy a home and this is causing me such financial hardship. Please have have 3 credit bureau 's remove from my reports. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Hi, I need to complain against this company today for listing my loans on my credit report incorrectly. THe loaner has failed to not only fix the issue, but call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: VA

Complaint narrative:
There are several hard inquiries on my report that I did not authorize to run my credit report. I have never done business with any of these companies and did not apply for credit. Below are the the inquiries and dates '' XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card Service XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: VA

Complaint narrative:
I have contacted the companies and the Transunion in reference to 2 hard inquires reporting on my credit report that I did not authorize or request credit from. They are as follows : XXXX XX/XX/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 2019-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I enclosed a letter dated XX/XX/XXXX with my monthly XXXX payment of {$110.00} + {$100.00} Principal that included explicit instructions for handling any overpayments ( payments over the amount billed ) I might make. This letter and payment due on XX/XX/XXXX was received by Navient on XX/XX/XXXX and the letter also instructed Navient to retain the instructions and apply them to all future over payments. These instructions included directives to apply any over payments to the principal balance of the loan with the highest interest rate, and not to reduce my monthly payment or put my loans into Paid Ahead status, etc. 

For my XXXX monthly payment due XX/XX/XXXX, I sent a check in the amount of {$1200.00} which was received by Navient on XX/XX/XXXX. After this payment was processed by Navient, my next monthly billing statement dated XX/XX/XXXX and due XX/XX/XXXX from Navient was for only {$58.00} as were all subsequent bills. When I paid my XXXX, XXXX and XXXX bills I enclosed a letter asking them to put my payment amount back to {$110.00} and asking them to explain why they changed it against my explicit instructions not to. I have received no explanation to date and my monthly payment remains at {$58.00} despite my repeated requests. As best I can tell, it looks like Navient stopped billing me {$26.00} for Loan XXXX almost like it was put into " paid ahead '' status, and they also stopped billing me another {$32.00} as well. Note that Loan XXXX is currently the loan with the highest interest rate! 

I have attached the following documentation : - My XX/XX/XXXX letter and payment handling instructions to Navient - My XX/XX/XXXX letter asking for an explanation and to have my payment changed back to {$110.00} - My XX/XX/XXXX letter asking for an explanation and to have my payment changed back to {$110.00} - Navient Loan Information dated XX/XX/XXXX prior to my {$1200.00} payment and showing {$110.00} due - Navient Loan Information dated XX/XX/XXXX after my {$1200.00} payment and showing {$58.00} due and {$0.00} due for Loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A previous complaint # XXXX had Capital One contact me and attempt to verify my identity in order to have internet access to my account. Upon verification of Social Security number, Date of Birth and three other forms of identity verification, Capital One insists on having to contact me in order to gain access to my online account. 

I believe Capital One is excessive in this process that was initiated by them after months or years of doing my business with their company online. Accessing via mobile app and online to have information to my balances and transactions and making payments. 

The company refuses to allow me access until I am yet verified again. I am requesting that a formal investigation into this discriminatory process be made and Capital One be held accountable in denying their loyal customers reasonable access to our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I sent certified letters to Jefferson Capital Systems on XX/XX/2019 and again on XX/XX/2019 informing them this was not my account and requesting any proof they have to support there claim. There has been no response from the reporting company. XXXX, XXXX and XXXX claim they have " verified '' the account and have not provided me with there proof either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Visa bill chase card services due XXXX XX/XX/2019. Certified check drawn on account at XXXX XXXX XXXX XXXX XXXX Virginia on XXXX XX/XX/2019 and mailed on the XXXX of XXXX.On XXXX XX/XX/XXXX I received a notice from Chase card services that the certified check was returned to XXXX XXXX. Upon checking with my credit union no check was returned. My branch manager made contact with an account superviser at Chase and after a substantial amount of time it was revealed that a number reader at Chase missed a number, the check was not returned it was destroyed by Chase.My credit union can not re-issue another check for 90 days. We are talking about XXXX I want my money back and Chase should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a checking account at Capital One Bank with Internet access to that account. Currently I am traveling abroad ( in XXXX ), which I am doing frequently. As usual, on XX/XX/2019 I tried to access my bank account. But this time instead of being allowed access a new screen appeared ( a copy of it is attached ). That screen gives only two option how to access my account. Both of these options require that the bank sends a temporary access code by a text message to my cell number, which then I will use to complete the sign-in process to my online bank account. Because I do not have a cell phone, I called the given banks help phone number XXXX. There a bank representative insisted that I should be able to receive the temporary access code also by email as was done always in the past from abroad. After we together tried it, the bank representative also concluded that without receiving a temp code to a cell phone access to my account is not possible until I return back to my home address in USA. 

The Bank rep then called someone else at the COB bank and there they told him that the bank recently made a change which eliminated the use of email and caused that without a cell phone registered with the bank and one which is also capable to receive a code by a text message access to the online bank account is not possible and that I should return back to USA to resolve this problem. 

Well, it becomes apparent that COB bank recently implemented this requirement in a TOTAL secrecy without publishing a warning to their customers informing them of this added requirement. I searched the banks online User Agreement and absolutely nowhere online is there a requirement that a bank online customer must have a cell phone which is registered with the COB bank and that cell phone must be also capable of accepting abroad a text message with a temp access code. 

I will be abroad several months and this inability to access my bank account is causing a hardship, because I have to use my bank account in order to pay bills and to transfer funds. In the past the bank did send me the temp access code by email and this their recent secret change to allow access only by those people who have a cell phone capable of accepting abroad a text message, instead of email as past is totally wrong. As far as I know, all other US banks use email for such purposes. Why COB bank would implement such radical change in a TOTAL secrecy without informing customers and without publishing it defies explanation.

Company response to consumer: Closed with explanation