vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP

Complaint narrative:
My credit report has an identity fraud on it yet my credit is still being pulled. I am currently stationed in XXXX and someone is trying to establish credit in my name fraudulently

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 2018-05-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern : I have attached a letter in the section where it will explain the incident that happened to me. I have file a dispute with your company for because Ive noticed that I had several new inquiries listed on my credit without my consent. I dont understand as to how the inquiries got onto my credit and I havent inquired about no new accounts. I have contacted the FTC to file a complaint and theyre investigating the incident to see if it was inaccurate or fraudulent. It is sad that every second someones identity is being stolen but who to say that the credit bureaus arent doing this purposely? I am clueless and in distress. In the FCRA section 609, it clearly states that accounts or inquiries that arent verified 100 % correctly should be removed because there is no original application or contract that has the consumers signature. Ive contacted the creditors and I havent gotten no response it seems that Im being ignored and the only way to solve this immediately is to file a civil law suit against the creditors and XXXX, Experian, & XXXX. Please read the attached letter correctly.

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 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I sent out a debt validation letter to Diversified Consultants on XX/XX/2018 asking for them to validate debt. Today XX/XX/2018 I received a letter from Diversified Consultants with just a bill inside, that is not validation. When I mentioned validation I was referring to a signed contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AP

Complaint narrative:
My credit report has an identity fraud on it yet my credit is still being pulled. I am currently stationed in XXXX and someone is trying to establish credit in my name fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AP

Complaint narrative:
My credit report has an identity fraud on it yet my credit is still being pulled. I am currently stationed in XXXX and someone is trying to establish credit in my name fraudulently

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 2018-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
Everyday a call from XXXX comes into my work number which is XXXX and its a recorded message saying I owe money with my name in it - XXXX XXXX. Im going to get fired if they dont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: OH

Complaint narrative:
i was paying XXXX on my loans on a fixed income next thing i know my loan was sent to another deparment and i was paying them now so a year passes and my student loans went into default and collection agency. it screwed up my credit score form XXXX  to XXXX. it took me a why to get it straighten out some what and they didn't consolidate my loan the first time like i wanted it to all to come thru them. so after 4 motynhs and back and forth my credit beacuse of this si still XXXX  up and i am noe paying a higher intrest rate and will half to pay them more money now. i went to XXXX  state and XXXX  college. i have been in XXXX XXXX since first grade and cant do algerbra and cant spell or say big words. bot colleges i went to failed me imditae cause of my situation on the math and language. i got no help no tutors aviable i asked teachers for help to and got none. any ways XXXX XXXX  up my loans so bad. my credit is now ruined

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I was charged XXXX XXXX dollars eleven times for items PNC Bank didn't pay. When I set up my business checking account, I told the representative that I didn't want overdraft protection. I was credited back seven of the charges and was told I can't get the rest refunded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2018 Navy Federal applied an adjustment subtracting {$780.00} from my checking account without my approval or communications. This account is used to receive my VA XXXX XXXX XXXX funds that are deposited every month. I called after realizing this deduction at XXXXXXXX XXXX EST and was told that even though it was done internally, they refused to correct the issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My original mortgage for this property was owned by XXXX, when the economy took a downturn I was in the process of modifying my loan with them and after providing all the required paperwork and going thru the modification process I was finally in the final stages to get my loan modified, unfortunately at this time the bank sold my loan to Shell point and the process had to be re started again, during the beginning of this process the builder of the condominium complex took over the units and displaced most of the owners due to the fact that the association was dissolved and they still owned a big percentage of the units at which point I lost all control of my property, I informed Shell point of this situation and they never acknowledged that this condition existed and took me to court to try recovering their so called 'loss '', while we were in court the judge made them aware of the situation and suggested they release me from this loan due to the fact that I had no longer had rights on the property but Shell point refuses to do so causing me to loose money by hiring an attorney, going to court twice already and negatively affecting my credit, i have no rights or benefits on this property, the builder which took control is getting paid monthly rent and they got the property for free while i am stuck with no revenue, bills, all the aggravation, I need this loan report removed from my credit and to be released from this property that was taken from me in a very unprecedented way and thru a procedure that has never been used before according to my attorney, the judge and everybody that I have asked with mortgage loans experience

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX has automatically enrolled my card to " protection '' that charges XXXX dollars a month. I never signed up for this protection. After research o came across many people having this issue. Apparently XXXX is automatically signing you up for a protection. I came across it as I asked my self why my bill has not lowered that's when I noticed the fee. I've payed more for that " protection '' than what I actually owed. XXXX dollars. Since XX/XX/2009 I never actually checked because I trusted to just be paying the minimum. I called the card protection and cancelled, but XXXX   should not be doing that, they should be giving the money back at least a percentage of it.

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 2018-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On XXXX-XXXX-18 I have sent a, ask to validate so called debt I owe to the creditor and the bureau I have yet to properly receive anything from the debt collector themselves. 

According to the Texas state secretary website XXXX XXXX   Does not have a active surety bond to collect in the state of Texas. Please assist in removing this from my credit reports.

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 2018-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: MN

Complaint narrative:
I have a XXXXXXXX XXXX XXXXXXXX XXXX reporting on my credit report twice and it's showing as a duplicate. This needs to be removed off all 3 credit bureaus immediately as this is affecting my credit score negatively.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
I requested Total permanent discharge for a student loan. The loan is now XXXX I can not afford im on a fix income with social security administration. Texas higher education board denied my XXXX   discharge request because my loan was in default.my XXXXXXXX XXXX started in XX/XX/XXXX I was incoherent due to my mental illness about how to fight a student loan lawsuit and was mentally impaired.I was certified XXXX by the social security administration in XX/XX/XXXX. I was sued in XX/XX/XXXX.I am unable to engage in substantial gainful activity due to my XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I had a credit card with Home Depot,

in XX/XX/XXXX I refinanced my mortgage and all of my bills were paid in full. This was XX/XX/XXXX I called all of my credit card companies closed them all. I have been getting since XX/XX/XXXXbills fro

m Home Depot with late charges, and phone calls every day and bills once a month. I do not owe them {$110.00} for late charges. I think this is unfair, I have not been in a Home Depot since. Please help 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 2018-05-25 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: CITIBANK, N.A.
State: CT

Complaint narrative:
( BestBuy ) Citi Bank Visa has a scam going on. The Best Buy store will offer you 12 months interest free financing if you make a purchase for {$1000.00} or over. On XX/XX/XXXX ( XX/XX/XXXX ) I made a purchase of {$1100.00} and change. I already had a 'revolving ' balance. In XX/XX/XXXX, I made a payment over the phone. I wanted {$400.00} to go towards my 'revolving ' balance, and {$100.00} to go towards my 'Interest Free ' balance but they did just the opposite. I first made a payment on XX/XX/XXXX, with XXXX. Then I spoke to XXXX  on the XXXX, and she was going to make the correction but she didn't. Finally, I spoke to XXXX  in the Executive office to fix it. The next payment of {$500.00} on XX/XX/XXXX ( the due date of my payments ) was also not allocated correctly, and I had to have that corrected.

Today, XX/XX/XXXX, I went to my bank, XXXX XXXX XXXX, and I wanted to have my ( Best Buy ) Citibank Visa 'Revolving ' balance of {$1400.00} transferred to my XXXX XXXX XXXX , or have my XXXX XXXX XXXX pay the {$1400.00} to ( Best Buy ) CitiBank Visa . I was told that when ( Best Buy ) CitiBank Visa receives the money, they can allocate it however they want to. If this happens, the ( Best Buy ) CitiBank Visa is misleading me, and misleading the public by offering interest free payments, when they are not actually interest free.

This is a scam for CitiBank to make more money. Basically, they are NOT offering Interest Free financing because they are allocating the money in such a way that they can earn more interest.

Today,XX/XX/XXXX, I spoke to XXXX  at XXXX XXXX, who told me, issues the credit cards. I was told that the transaction would take up to 14 business days, and that I would get a confirmation in 10 business days.

My payment due date is the XXXX of the month. I am never late. If the transaction is not completed before my payment due date, and I pay my usual {$500.00}, this will throw my payments off, and I will be charged another interest fee of {$42.00}.

XXXX, in the Executive office of Citibank, said he could not help me but neither can the usual customer service person at ( Best Buy ) CitiBank Visa. They can't get it right, or, they are told NOT to get it right. They are ripping people off.

I would like to pay off my charges in the way that I would like to but they refuse to let me do that. If this is not taken care of the way it is supposed to, I will default on my payments. They are screwing me. After all the payments are made, I will cut up this card as I do not like the way they do business.

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 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: UT

Complaint narrative:
ERC kept repeatedly calling me about a debt that was discharged under Chapter XXXX Bankruptcy. All debtors were notified and it has been discharged. This company kept asking for my social security number because they could not find my account. If I had an account they would know my info. I refused to give them my social but I gave them my attorney 's number and name. Plus they were asking for me by a name I have not went by in 5 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting in correct information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have an ALLY FINANCIAL charge-off on my credit report that should have been covered by my GAP insurance. When I called they said that I was not covered for this debt because I had a late on the account. There is nothing at all in my contract that states my GAP coverage would not charge if there was a late on my account. I want this debt and account removed off of 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 2018-05-25 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: MN

Complaint narrative:
I was the victim of identity theft. Someone in Florida took out a credit card in my name that shows up on my credit report. I have never lived in Florida and thought this was resolved with the financial bank in Florida but it is still showing up on my credit report. I don't know what I have to do to have it removed. Help!

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 2018-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a couple of auto pay transactions and an unexpected expense arose and it caused my account to go negative. Merchants send ACH through 2-3times and it caused over {$200.00} overdraft fees. The bank wasnt willing to refund the fees. I understand the initial fee but if a merchant attempts the transaction 2-3 times Im not able to stop it. I have since stopped the auto transactions. Currently making payments on 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 monetary relief
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Collection Center Inc
State: SD

Complaint narrative:
On a third party voice message system a collector from collection center in named XXXX left a voicemail for me and stated that he was a debt collector inferring that there was a debt in blatant violation of fdcpa laws

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial has not reported my payments since XX/XX/2017 and I pay every month on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
XX/XX/XXXX I check my credit report and found out they Quality Acceptance the agency in which I purchase a car loan had not posted all of my payments on the car. The car was stolen the last part of XX/XX/XXXX and was put in an impound by the XXXX XXXX Police Department because the people that stole it we're gaming members and they had committed several robberies in my car so the police have kept it for evidence. 
When the impound called me to pick up the car on XX/XX/XXXX the car was gone Quality Acceptance had repossessing the car when I called they told me because they said I had outstanding payments missed on the car. But they never did call me or send me anything in the mail or even try to contact me on my email and I've always made my payments and so. 
I had made several complaints to your agency about this company in XX/XX/XXXX and you cleared them and I wanted to know what you can do about this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc
State: FL

Complaint narrative:
XX/XX/2014 a collection for {$12000.00} was placed on my credit reports from an unknown collection company. I have no contract and not indebted or owe Stuart Lippmann anything. I had not signed or renewed a lease with the original creditor for many years. This debt was placed fraudulently on my credit report and it needs to be deleted off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX has not reported my payments since XX/XX/2017 and I pay every month on time.

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 2018-05-25 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: CA

Complaint narrative:
XXXX XXXX has not reported my payments since XX/XX/2017 and I pay every month on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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:
XXXX XXXX has not reported my payments since XX/XX/2017 and I pay every month on time.

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