vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 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: NY

Complaint narrative:
Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. Equifax is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX my Equifax Credit Score was lowed by 41 points with n0 inquiries no info at all new reported to cause this. Equifax does not have an answer to that so my 41 points should be reinstated. I also opened a Revolving line of Credit for XXXX with an opening balance of {$67.00} on XX/XX/XXXX. This has reported to XXXX as well as XXXX but Equifax can not seem to find the file. I HAVE THAT FILE and the Company received confirmation it was received on XX/XX/XXXX. There was no reason for my Equifax ONLY credit score to lower by 41 points over night. They also have not updated records that were sent to them previously. This has caused me to lose my possible Mort age for a Home. They can not tell me why it was lowered by 41 points  when the other 2 credit Bureaus have updated with no issues. I was a victum of Identity theft with the EquifacxData breech and they are doing it to me again now. This has caused irreversible damage in 1 day. I merely would like an explanation to give to my Lender as to why it fropped and my % XXXX Revolving line of credit is not showing at all. I would like this updated and I would like an explanation as to why my Equifax score dropped on XX/XX/XXXX over night. No one can seem to tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This account ending in XXXX has been open many years with no activity at all. We kept the account open intentionally until on XX/XX/XXXX we were notified that there was an XXXX account set up using the card and charges were being processed on the card. This was not our activity and we filed a fraud claim with American Express on XX/XX/XXXX. They reversed the charges and told us that they closed the account at our request. Now in XX/XX/XXXX I start receiving account statements and notifications of interest increase on the account that was closed. I contacted American Express on XX/XX/XXXX and they acted like they had no idea what had happened on the account, or why it would be closed. They began playing games on the phone, acting as if they could not understand what I wanted or what had happened regarding the fraud. They left me on hold for extensive time while transferring to supervisor. Never got the supervisor and I was told by XXXX, the representative, they could not close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Utah System of Higher Education
State: OH

Complaint narrative:
There are two accounts for loans reporting on my credit reports from UHEAA which are identity theft and do not belong to me. I am not a student and did not apply for these loans. One loan is for {$3000.00} and the other is for {$1700.00}. These are being reported to my credit report having a negative affect on my credit. I have contacted the company and when I gave them my social security number they said nothing comes up and they do not have an account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: NY

Complaint narrative:
Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. XXXX is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.

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 2018-03-05 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: NY

Complaint narrative:
Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. XXXX  is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX  XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.

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 2018-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I paid off a HELOC that I'd had with Bank of America N. A. by opening a new HELOC at XXXX XXXX XXXX. 

XXXX sent a payoff check that was received by Bank of America on XX/XX/XXXX. The check amount exceed the principal and interest due by {$650.00} Bank of America entered that amount as a Credit Balance Refund on XX/XX/XXXX. 

18 days later I called Bank of America to ask about the status of the refund check and was told that it could take up to 30 days for the check to be released. 

Effectively, Bank of America is borrowing MY money at zero interest. This is clearly wrong ; Bank of America ( and any bank in a similar situation ) should be compelled to refund such an overpayment immediately.

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 2018-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Back in XX/XX/XXXX I made a payment to my XXXX XXXX credit card account. Well my primary checking account company took way too long to process the payment which is a first and the payment for my credit card ended up getting rejected and of course I ended up with a ton of fees. I called my checking account company and they apologized for it and handled the situation. Unfortunately I can't say the same happened for XXXX XXXX. I called them to explain what happened and the man I spoke to ensured me not to worry because he shows that the payment went through, but apparently it didn't because I ended up with around {$50.00} in charges. I continuously have issues with this credit card company. This is ridiculous and I want these charges taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX I made a balance transfer from XXXX XXXX XXXX XXXX and a check was mailed to Macy 's credit card in the amount of {$1100.00} to pay off my account with XXXX XXXX. The check was mailed on XX/XX/XXXX and was cashed by XXXX XXXX department store on XX/XX/XXXX. I called XXXXXXXX XXXX a few days later to ask why the money had not been credited to my account otherwise making another payment due to XXXX XXXX. I was assured that it would be credited within 3 days and I would not have to make another payment to my account. I thought everything would be credited and my balance would be XXXX after that.Then I received an email from XXXX XXXX  on XX/XX/XXXX, stating that a payment was due on my account. I called XXXXXXXX XXXX and learned that my account was never paid off and is in dispute ... .I was never informed that my account was in any dispute and the customer service person that I was taking to refused to give me any more information. I asked to speak to her supervisor and I was told the money was applied to another customers account and they could not figure out to whom they applied it to, so my account is in dispute. I was informed that XXXX XXXX asked for a copy of the check from XXXX on XX/XX/XXXX to verify that funds were sent to my account, but XXXXXXXX XXXX will still not release payment to my account. I contacted customer support at XXXX XX/XX/XXXX and the customer support person put all of us on a 3 way call XXXX was told the same thing. My account was put into another 21 day dispute by XXXXXXXX XXXX   starting on XX/XX/XXXX and now I am making another payment to XXXX XXXX. Since this time my XXXX credit card that I transferred the balance to is now due and I am making 2 payments for XXXX XXXX. I am unable to resolve this mater and would appreciate any help I can get.

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 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Calls have been everyday for 3 weeks. Sometimes it's one call, sometimes it is 3 calls. I have emailed them repeatedly explaining my financial hardship. They refuse to work with me. They leave no messages. Return no emails.

This is PayPal Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2015 I call TransUnion to inform them that I was seeing inquiries countless amounts of inquires showing up on the my credit report. I was aware that they did have an inquire issue and that my file was possibly affected by this. None the less they did not notify me at all about this situation and when I called for clarity the Customer Service Rep was of no help. I just wanted the inquires all off my 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 2018-03-05 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:
FRAUDULENT NAMES : XXXX XXXX, XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX XXXX NJ XXXX FOR THE ACCOUNTS I HAVE ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. 
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Please Know That I am ONLY requesting this Validation on the following accounts Opened XX/XX/XXXX ( 1 yr, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 01 XXXX XXXX Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Please note that i see you are attempting to sue me in court on XX/XX/XXXX and i will be there to dispute it and show the just this issued complaint as my proof that i have requested debt validation and you have at this time failed to comply -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
I sent XXXX XXXX XXXX a debt validation request asking for complete documentation to verify that I owed the alleged debt and had a legal obligation to pay. Their response was a few pages of billing statements that contained no identifying information. My name, address, phone number, banking information, etc. was not listed on any of the documents. Furthermore, they failed to provide me with the agreement with the creditor that they are authorized to collect the alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement, proof that the Statute of Limitations has not expired, proof that they are authorized to collect the alleged debt in my state, along with license numbers and Registered Agent. These are all things I am entitled to in conformance with my rights under the Fair Debt Collection Practices Act. 

I provided XXXX XXXX XXXX 30 days from receipt of the debt validation request to provide me with the requested information.The validation request very clearly states that non-compliance with my request would be construed as an absolute waiver of all claims to enforce the alleged debt against me and all instances related to this account must be immediately deleted and completely removed from my credit file. 

The original creditor in this matter is XXXX, which apparently is a phone company. I've provided documents from my phone provider, XXXX, with whom I've been a customer for several years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MO

Complaint narrative:
Sometime in XX/XX/XXXX a loan was issued in my name which I did not apply for or sign for. I found out about the loan from my credit report after {$600.00} of interest had accrued. I called Sallie Mae to inquire as to how they could allow someone to take a loan out in my name without my signature or notifying me. I was told someone had my information and I was stuck with the loan, it was my problem. As interest was accruing and I feared my credit report would be damaged I had to take out a loan to pay Sallie Mae in XX/XX/XXXX. I never received a promissory note, loan terms of agreement or any communication from them regarding this loan prior to it being reported to the credit bureau. I felt like the response I received was very irresponsible and left me feeling angry, taken advantage of, hopeless and without recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: FL

Complaint narrative:
I did not give these companies permission to pull my credit reports. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2018-03-05 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:
FRAUDULENT NAMES : XXXX XXXX, XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX XXXX NJ XXXX FOR THE ACCOUNTS I HAVE ATTACHMENTS

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 2018-03-05 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:
FRAUDULENT NAMES : XXXX XXXX, XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX XXXX NJ XXXX FOR THE ACCOUNTS I HAVE ATTACHMENTS

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 2018-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I feel that I was taken advantage of by XXXX XXXX / Navient from the beginning because of my age. XXXX XXXX never questioned my ability to repay my loan. They never considered my age when the loans were given to me. I am XXXX and have over One Hundred and Seventy Thousand Dollars in Parent Plus Loans. The total just keeps growing because I have been consistently pushed into Deferment/forbearance due to my inability to pay the large amounts they are asking for each month. I hand no way to repay the loans when the loan money was obtained and have been unable to get any reasonable repayment amount based on my income. I cant take {$500.00} to 600 out of my paycheck each month a still survive. I intended to repay this loan back in full but now I realize that I will not live long enough to even close. Please help me as my only way out is if I die.

Company response to consumer: Closed with explanation