vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I did an refinance last spring with XXXX  XXXX and with the refinance I received a check for XXXX $ to pay for the furnace and heat pump .I took this to Wells Fargo.A teller and was told my card was paid in full. I have a receipt for the XXXX $ .Then I started to receive billings for more money on this card.

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 2019-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged for two overdraft fees, over the course of a week, by Citibank. I understand the reasoning for the first overdraft fee, but the second was unfair, and their customer service department is not helpful. Their treatment of me as a customer lead to me closing my checking and savings accounts. 

My first overdraft fee charge was correct - I did have a negative fund and Citi " helped '' pay for my purchase. Ironically, that purchase was an autopayment for my citibank credit card. Then, XXXX tried to make a payment for {$2.00}. The payment was declined, but citi still charged me an overdraft fee for an attempted payment. I found this to be really unfair, and contacted the company multiple times. Their customer service would say they're transferring me somewhere, to only never be helped after waiting for 40+ minutes or hung up on ; literally hung up on ; or just plain unhelpful / non-empathetic employees. I did close my checking and savings, but they didn't care at all. For such a large company, they think they can get away with treating their customers poorly. I've been banking with them since I was XXXX and wanted to use them for mortgage, but they lost a customer for life. I'd never recommend my extended family to use Citi Even attempting to get copies of my record was difficult. The customer service team went above and beyond to ensure I had a bad experience. I could not obtain full copies, and they even went as far to purposely unlink my account before I could download the records myself.

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 2019-12-01 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: NY

Complaint narrative:
I feel that they were targeting me for loans since I was XXXX and graduating high school. I was getting great loans through servicer XXXX from the start. Interest rates were very reasonable and had suggested that I accept my subsidized and I subsidized loans first. Because the fafsa loans were most likely not going to owe any interest until after I graduate or I would only have to pay low interest rates until I graduate and if I could they suggested that I pay principal on the interest bearing loans first. Whereas, Sallie Mae advised me to take an entire public loan with no chance at I subsidized loans and their interest rates were more than twice the rates at XXXX. And thats with my father and his credit score of XXXX at nearly 10 % it was a year before my mother realized we owed well over {$450.00} in interest alone. 
I want to move that loan to XXXX ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNT- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNT- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service
State: HI

Complaint narrative:
I have star credit card and i had a90 days late payment, becouse the star credit card company did not send ne a paper bill or reminder in timely manner, they contacted me only when paiment was alredy late, i tryed to explain that i was not inrolled into online banking at that time and had no way to make a paiment and never recived a paper statment. i had disputed this matter earlier this year but they said everything is correct on my credit report, could you please help me in this situation, as i am making all my paiments on time and this reallu affect my credit. it happend in the begging of the year XXXX. i was trying refinancing this year and to pay ogg my debt but this matter was an abstacle to that. Thank you

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 2019-12-01 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: PA

Complaint narrative:
XXXX  is showing on my credit report on XX/XX/18 in which the application is fraud by XXXX/ XXXX XXXX  XXXX  XXXX  in which the social Security on the application is not mines the DOB is not my DOB and the Driver Lic is not my Driver Lic Number and there is no date on the application and it's type. I took out a loan with XXXX XXXX XXXX  in which I filled out the application not nor ever applied for a loan with XXXX XXXX/ XXXX XXXX XXXX is all fraud by both Parties. And Date of Birth Social Security Number And drivers lic is some else not my legal information of 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 explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Everything in this complaint is well documented with letters, notes, and emails, however its the 80+ hours of phone calls with Ocwens Office of the Consumer Ombudsman and PHHs Retention, Resolution, and Escalation Departments that have been most helpful in accurately piecing together all that has occurred. Its been my experience when dealing with Ocwen, and now PHH, that a majority of my concerns will not be properly investigated, if at all, will not be accurately noted to the file, if at all, and the resolution letter is so watered-down that it rarely describes what truly transpired. The help desk said I cant upload audio files but if you thought it would be helpful I could copy all call to a USB drive and overnight it. COMPLAINT : In late XXXX of this year Ocwens Office of the Consumer Ombudsman, and then PHH, agreed to suppress my credit history with all 4 CRAs from my XX/XX/XXXX payment through XX/XX/XXXX. Although neither Ocwen or PHH dispute the agreement to suppress my credit, both continue to knowingly furnish erroneous information to each of the 4 CRAs.. In XXXX I disputed Ocwens erroneous reporting with the CRAs, Ocwens responded by continuing to report the erroneous information and falsely verifying it as accurate. Over the past 9 months Ive provided over a dozen excerpts from my credit report showing the erroneous reporting, however, I cant find a single time theyve even acknowledge them. Ironically, one of the reasons for granting the credit suppression in XXXX was Ocwens erroneous reporting of my credit back in XX/XX/XXXX. The only bright spot in this entire mess was working with XXXX XXXX in the resolution department. She understood my issues, was accessible and responsive, but most importantly she got answers. She actually fixed the reporting issue in late XXXX it was short-lived lasted until XX/XX/XXXX. Im attaching the following. PHH latest erroneous credit reporting response dated XXXX, various credit excerpts highlighting the erroneous reporting, Ocwens dispute response to XXXX, Excerpts showing Ocwen and PHH reporting correctly XXXX XX/XX/XXXX. Again, I would encourage you to listen to the calls to fully understand what borrowers have to deal with. In the next week or so I will be filing separate complaints against both Ocwen and PHH for their continued violation of our Federal consumer financial laws, Ocwen for its actions leading up to the XXXX suppression agreement and PHH violation regarding the transfer and modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a chase amazon rewards credit card where I was making a XXXX dollar minimum payment. I had gone through financial hardships and hard really struggled to make payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I spoke to the original creditor regarding all of the following accounts that were purchased by Transworld Systems inc. The info that Transworld systems is furnishing does not match the info I received from the original credit/creditors. This is a huge violation of the FCRA, and FDCPA. This inaccurate data has caused me great personal issues. It has triggered my XXXX and caused my interest rates to sky rocket. If this debt is not removed I will seeking litigation under 15 USC 1692 which combats abusive debt collection practices. I will seek my {$1000.00} per violation as well as the other inconveniences these inaccurate debts have caused me. This is this debt collectors last chance to remove this inaccurate/ non verified debt. 
Transworld Sys- XXXX Transworld sys- XXXX Transworld sys- XXXX Transworld Sys- XXXX Transworld Sys-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
I did not authorize this account, nor did I benefit from them. I spoke to the original creditors by phone and the info they submitted to me does not match the info that this collection agency is furnishing. This is a violation of FDCPA. Under 15 USC 1692 I can seek {$1000.00} per violation. I am giving this agency one chance to remove this unverified info from my credit reports or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$15000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNT- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNT- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: AES/PHEAA
State: TX

Complaint narrative:
I have requested from all three credit reporting agencies to provide the original contract of indebtedness as verification of the debt because I believe that the loan balance is incorrect. They keep saying it's been " verified '' with no copy of anything sent to me. This is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested from all three credit reporting agencies to provide the original contract of indebtedness as verification of the debt because I believe that the loan balance is incorrect. They keep saying it's been " verified '' with no copy of anything sent to me. This is very frustrating.

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 2019-12-01 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: TX

Complaint narrative:
I have requested from all three credit reporting agencies to provide the original contract of indebtedness as verification of the debt because I believe that the loan balance is incorrect. They keep saying it's been " verified '' with no copy of anything sent to me. This is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested from all three credit reporting agencies to provide the original contract of indebtedness as verification of the debt because I believe that the loan balance is incorrect. They keep saying it's been " verified '' with no copy of anything sent to me. This is very frustrating.

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 2019-12-01 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
On XX/XX/2019, I contacted Infiniti Financial Services and requested a settlement amount for a balance owed due to end of lease fees that was to the tune of {$9300.00} ( an amount I would never be able to pay ). I asked for a month to come up with the amount and was faxed a letter with the agreement to pay {$3500.00}, for the settlement amount by XX/XX/XXXX'19. 
I personally received the funds by the XX/XX/2019 and overnighted the check to Infiniti Financial Services and have noticed the funds have been applied to the balance on my credit report. Since then, I have been in constant dispute with the company because they have still kept the account OPEN with a balance of {$5800.00} and a monthly payment of {$580.00}. I'm constantly calling the company and receiving the run around and constantly being transferred, with no-one taking responsibility and trying to help me. This information on my credit report is skewing my debt to income terribly. I have asked Experian and other credit reporting agencies for their help and they still report the dispute as verified and unchanged. I don't understand it since I have provided them the AGREEMENT LETTER from Infiniti Financial and they see the settlement amount has been applied to my balance. 
I settled with other companies at the exact same time, and they have updated my credit report as SETTLED and CLOSED as agreed. Why won't Infiniti Financial Services do the same?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a 700+ credit score but I get denied for everything because they won't unlock my credit file. 

Also I have wrong phone # s and addresses reporting that are causing me to get denied. 

I would like all phone numbers removed except for : - ( XXXX XXXX XXXX XXXX Please make sure these addresses reporting - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a 700+ credit score but I get denied for everything because they won't unlock my credit file. 

Also I have wrong phone # s and addresses reporting that are causing me to get denied. 

I would like all phone numbers removed except for : - ( XXXX XXXX XXXX ) Please make sure these addresses reporting - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 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: MD

Complaint narrative:
On XX/XX/2019, I contacted XXXX XXXX XXXX and requested a settlement amount for a balance owed due to end of lease fees that was to the tune of {$9300.00} ( an amount I would never be able to pay ). I asked for a month to come up with the amount and was faxed a letter with the agreement to pay {$3500.00}, for the settlement amount by XX/XX/XXXX '19. 
I personally received the funds by the XXXX of XX/XX/2019 and overnighted the check to XXXX XXXX XXXX and have noticed the funds have been applied to the balance on my credit report. Since then, I have been in constant dispute with the company because they have still kept the account OPEN with a balance of {$5800.00} and a monthly payment of {$580.00}. I'm constantly calling the company and receiving the run around and constantly being transferred, with no-one taking responsibility and trying to help me. This information on my credit report is skewing my debt to income terribly. I have asked Experian and other credit reporting agencies for their help and they still report the dispute as verified and unchanged. I don't understand it since I have provided them the AGREEMENT LETTER from XXXX XXXX and they see the settlement amount has been applied to my balance. 
I settled with other companies at the exact same time, and they have updated my credit report as SETTLED and CLOSED as agreed. Why won't XXXX XXXX XXXX do the same?

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