vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 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: CA

Complaint narrative:
At XXXX XXXX request I am submitting documentation affirming the delinquency posted for this account incorrect and a has had a negative impact in my credit bureau postings. This demonstrates delinquencies in fact have been updated ON XXXX  report as of last XXXX for an account that has been paid off. This dropped my XXXX  score 36 points from XXXX to XXXX as documented in the attachment I am asking all credit bureaus be updated with the correct information as stated in XXXX XXXX Response to CFPB XXXX : Stating they sent the customer a letter advising that our records reflect the account charged off on XX/XX/14 and was settled for less than the full balance on XX/XX/14, which is the same information we are reporting to the credit reporting agencies. We request the customer provide us with a current copy of their XXXX credit report reflecting delinquencies in the past 12 months which has been pasted in to my attachment

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 2018-12-21 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-12-21 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: NJ

Complaint narrative:
As a victim of fraudulent account origination and identity theft, I placed a dispute in with the major credit reporting agencies in XXXX, according to the FCRA section 605b this was a matter that should have been resolved in a matter of days, yet I have had no progress on the issue, despite submitting all required supporting documentation.

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 2018-12-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/18 TransUnion refused to let me dispute a hard inquiry. TransUnion said that inquirys stay on my credit report forever. I told them I had inquirys removed in the past and the TransUnion rep hung up in my face!

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 2018-12-21 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: NJ

Complaint narrative:
As a victim of fraudulent account origination and identity theft, I placed a dispute in with the major credit reporting agencies in XXXX, according to the FCRA section 605b this was a matter that should have been resolved in a matter of days, yet I have had no progress on the issue, despite submitting all required supporting documentation.

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 2018-12-21 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: NJ

Complaint narrative:
As a victim of fraudulent account origination and identity theft, I placed a dispute in with the major credit reporting agencies in XXXX, according to the FCRA section 605b this was a matter that should have been resolved in a matter of days, yet I have had no progress on the issue, despite submitting all required supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 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: MIDCOUNTRY FINANCIAL CORP
State: KY

Complaint narrative:
In one section of my credit report they have my name and address wrong. I've never spelled my name like it shows in the report and I've never lived at one of the addresses it shows either. They also have some of the companies & the dollar amounts listed 3 and 4 times ... ... .. That's ridiculous!!!! All that does is make my credit look worse than what it actually is!!!!!

There's also some companies still listed on my report that I have already filed bankruptcy on 7 or 8 years ago and some 10 years ago that are still on there and they shouldn't be!!!!!! It doesn't matter if a person tries to do the right thing or not because the government is going to do what it wants too anyway  regardless if they hurt that person 's feeling or mess up their life to where they are not able to buy anything or if that person tries to safe face from getting embarrassing phone calls or being told they are going to get sued!!!! You know things do happen in life that we can't control, like getting hurt in an accident to work you're not able to work or pay your bills ... ... Or your child is diagnosed with XXXX and you have to be the one to take care of them ... ... but you see the creditors or banks or government or whomever ; they don't care what you're going through, they just want your money. What really gets me is ... ... the creditors are stupid enough to tell you to borrow the money from whomever you have to pay your bills. ... .... all that does is make things worse!!!!!!!! Needless to say I have been working on trying to get my credit scores up for the past 4 or  5 months. It has come up several points!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Phelan Hallinan & Jones, LLC
State: GA

Complaint narrative:
I'm a XXXX year old retired XXXX XXXX Veteran. As a proud Veteran, I humble myself seeking help for a legal battle stemming from an illegal foreclosure while suffering a XXXX. When I wear my military hat, people come up to me and say " THANK YOU FOR YOUR SERVICE ''. Three foreclosures on the same property and with the same account have been documented. Now I have until XX/XX/2018 to pay a lump sum of {$18000.00} into the registry or be homeless. My legal rights in the XXXX County court system were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Loan was taken out in XXXX for XXXX. I paid on the loan untilXXXX until a divorce in my life caused me to file Bankruptcy the Balance was XXXX at that time. I have all the paper work. My husband at that time and I filed the Bankruptcy. My ex husband was in charge of paying the chapter XXXX in the Divorce. My Ex husband Made payments until XXXX leaving a balance of XXXX. He became sick unable to work and he went back to court to rework the Bankruptcy to a Chapter XXXX, leaving a balance of XXXX. My Ex Husband passed away shortly there after. I received A Notice 12 years later, Telling me they could not find me, and I owed XXXX plus. I hired and Attorney I have all the paper work. Unable to get any where with the Salle Mae. Long story short I have been paying on that loan ever since, I had my tax returns taken, my wages garnished, I am still paying. The loan had be sold many times. I have been paying Navient has had the loan I while I ask for loan forgiveness I am on a fixed income and my LOAN IS NOW XXXX DOLLARS, NAVIENT said more less keep paying. Please HELP me this is a Night Mare that wont end. I have been told they will take my SS and XXXX,. Please Help me. I have no cell phone in my name and I must go to the library to reply to any Emails you might send. I check my mail every other day. I have over 200 pages I came mail. I am unable to send that many on line. 
Thank You for your time. PS : The school for this Loan taken out in XXXX, NO LONGER EXIST ( The name wasn't on your list ) It was " XXXX XXXX XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: CT

Complaint narrative:
City of XXXX has written tax return information in XXXX about tax form in XXXX that I owed money to them, I notified them that this was false in XXXX, and in fact they owed me {$30.00} instead. They asked for required information such as tax forms which I faxed. I completed the tax forms in XXXX and sent these back. In XXXX my tax filing to XXXX stated that again the city owed me {$18.00}, however I was contacted again that I owed them money. 

We have now received a latter from GC services limited Partnership in XX/XX/XXXX that we owe the city of XXXX {$250.00}. We called to dispute the charge and say that this information was inaccurate, however they are not able to provide any data or information in regards to former tax information. They recommended that we refile XXXX tax forms which is very difficult to do. 

At that point we asked them to provide information to us about the tax forms. We were notified that they have no additional way to get previous tax information, and that city of XXXX likely does not have the original tax forms on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
I opened a new checking account at HSBC and was told that I would receive {$200.00} for doing so : New account application ID # XXXX You will automatically receive the {$200.00} Welcome Deposit in your new HSBC Choice Checking account approximately eight weeks after completing all qualifying activities. It's that simple. 
Now they are telling me they can't find my bonus money and keep wanting me to call back and they still do nothing but want another call later. 
I want my money and they are defrauding me with their false advertising of that bonus cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I make monthly payments to the same person to may my rent using the third party company XXXX through my bank account. One time in particular the payment that I sent to my Landlord went to another person and I did not recognize the mistake until nearly a few weeks later. 
I do not know the person that received the money I sent to my landlord. I selected the landlords name from the dropdown menu as I do overtime I send money. The name For my landlord is the only name that drops down because it is the only name that starts with that letter. 
A few weeks later when I was making another rental payment, I noticed an unknown name in all CAPITAL letters for the remaining amount I sent to my landlord. So I contacted XXXX, but because the payment was made from my account, I was instructed to contact my bank and handle the issue through them. I called my bank and explained to them the issue I had encountered and they began to look into it. Starting by giving me a conditional credit for the money missing. 
I then received a letter from my bank saying that because the person received the money I was to contact them. My claim was that I have been making the payments to the same person for months for the same total amount and asked why this did not look odd to them? It was a payment to complete the amount that I had consecutively sent monthly to my landlord. Citibank withdrew the conditional credit, making my account overdrawn and now states that I have to go after this person. I have no idea who the person is or why the name is on this payment. I have no idea who this person is, and when I type in the letters of their name it is foreign to my account, the name is not saved nor is it in the drop down menu for names to select. 
This seems to be a hacker and perhaps the money was intercepted, this is not my fault, and because I made this payment through the company which Citibank has provided, I believe it is their responsibility falls on Citibank and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with COMMONWEALTH FINANCIAL. I have never done business with this company. I am not liable for collection from this debt from COMMONWEALTH FINANCIAL. I am not responsible for this debt with COMMONWEALTH FINANCIAL. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank offered a cash promotion on XX/XX/2018 if a Citi Priority Dividend checking account was opened with a minimum deposit of {$50000.00} and the money was to remain in the account for 3 months ( 90 days ). I opened XX/XX/2018, funded the account with {$50000.00} and left it for four months. I called and was told I would receive the $ 300.00+ in XX/XX/XXXX. I called again and was told I would receive it by XX/XX/XXXX. I have recently received a letter which states I did not qualify. This is absolutely not true.

I took advantage of their online off and this money sat with Citibank for over 4 months earning no interest. I moved my money to another institution and they converted my account to a no fee checking account.

The letter I am attaching is not the offer I accepted.

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 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
Ncc is a collection agency for XXXX XXXX  apartments. They attempted to collect a balance for damages their apt manager marked off on original walk threw as not my responsibility because they were cause prior to me obtaining unit and they had no time to repair before i move in. When bill was received i XX/XX/XXXX i attempted to contact ncc to dispute i was treated horribly rep was boligerant. I then filed complaint and dispute of bill with ftc which resolved in my favor billing was dropped and i received closure from company confirming this after dispute was completed with ftc. Another year later XX/XX/XXXX they added it to credit report regaurdless of proof and dispute resolution and the letter they send agreeing the bill was fraud. Now i dispute with XXXX and XXXX  whom both agree to delete and remove. I find this fraud business practice and i think something should be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
On XXXX XXXX, Ally sent me a notice that I ( as a non-spouse beneficiary ) was entitled to receive an inherited traditional IRA ( number XXXX ) b/c of the recent death of my XXXX ( XXXX XXXX XXXX XXXX. 

In its mailing, Ally stated that I could create an account for myself at Ally or that I could do so at another institution. But, when I elected to do so at another institution, Ally created endless hurdles of confusing forms and contradictory written and spoken instructions. Ally Bank is wearing me down with red-tape. 

The funds remain at Ally despite that fact that I filled out their form ( precisely obeying Ally instructions ) directing them to send the funds to my institution. I supplemented that with a hand-written letter. 

I have hard-copies of all documents. I do not have scanning capacity at the moment.

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 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with AR RESOURCES INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCES INC. I am not responsible for this debt with AR RESOURCES INC. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with TransWorld Systems. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with TransWorld Systems. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Ameritech Financial
State: TN

Complaint narrative:
I have been paying AFBC since XX/XX/XXXXto help with my student loans. I paid {$49.00} every month and I thought my loan would be forgiven after I paid so much money. Now, I know it was all a lie and the FTC is suing them for scamming people. All the numbers and contact information has been disconnected. When I was able to contact them, they told me the that my students loan situation had not changed and they were still handling everything. They lied to me and now I can't get in touch with them. Is there anything I can do to get my money back? I really hate this situation. I paid them {$2300.00} plus another {$600.00} to get enrolled. Thank you in advance for any help.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I opened a new account with Citi Bank using a {$400.00} bonus offer. During the account set up procedure a security issue ( on their end ) resulted in a delay in the account being funded. This was going to cause me to potentially miss the funding deadline to receive the bonus. 

I contacted citi bank support and was told that it should not be a problem. The issue could be addressed if I called in at a later date and explained the situation. The bonus could then be applied. 

I waited a couple of months and then contacted phone support. At that time I was told that it was too early to verify whether I had met the bonus requirements. 

A month or so later I contacted support through chat. This time I was told that the bonus had been applied. 

About a month later I received an email stating that my bonus had been denied. I contacted support and explained that two previous agents and said the bonus would be applied. I was told that when they checked my account an investigation had been started 90 days before, but a new one would have to be started that could take an additional 90 days. 

At this point, XXXX  has held on to my money for longer than required to receive the bonus. Had support told me from the beginning that I was going to be ineligible for the bonus, I would have closed the account and moved the money somewhere more useful. However, because XXXX  support advised me that the bonus would be forthcoming I left the money in place. I'd like to move the money if the bonus is not going to be awarded, but I'm stuck in limbo because of the additional 90 days of investigation.

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