vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 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:
XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: CA

Complaint narrative:
XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Individual : Bankruptcy ( Discharged CH-XXXX ) ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported. I made efforts to remove this account from my file as it does not belong to me. This account was fraudulently opened and reporting through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit reporting creditors, 3 major credit bureaus and sub bureaus update disputed credit information with past account statuses in accounts status column and balance and payment history for various months and previous as well as current months when all revolving and installment accounts with the exception of federal student loans have been brought to closed, paid, sold or transferred, as current account ( s ) status.  Requested vigorous investigations into matter to no positive outcome and past, now present delinquencies that have been previously requested for correction, deleted or no data be provided for inaccuracies found to no avail or positive outcome. Please remedy situation at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NM XXXX, XX/XX/2019 ERC, XXXX XXXX XXXX XXXX, FL XXXX XXXX : Dear ERC, I am responding to your contact about collecting a debt. You contacted me and identified the debt as being in collections on my credit report. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
For years now I receive excessive calls throughout the day from Portfolio Recovery. I have told them constantly i did not open this card and my social security number had to have been compromised, I am fed up, I am getting calls 2-3 times a week. Now I am taking action, if this account isnt removed from my credit reports, I Ill formally be filing a lawsuit, I will ask the court to summon the telephone records that would show the amount of times I have been harassed by this company!! I will also request that Portfolio Recovery incur all my court costs. I am not the only on who this happens and i am not the only one fed up, I will gladly start a class action lawsuit for failure to abide by the guidelines set forth in the first lawsuit!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Chase credit card close my account a Marriot XXXX without my knowledge and dont receive a letter and I have a balance of XXXX and I want to payoff and because the account is closed I can make a payment and dont take me any options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-02 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I never attended XXXX XXXX college yet it shows I have loans over there??? I called them and they admitted that someone used my identity, I filed a police report against fraud and also contacted the social security department. 

Yet student loans still appear on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY A I XXXX - XXXX is listing an account as XXXX XXXX account ton my XXXX report. My social ends with xxx-xx-XXXX, the  account is not mine and has a different social and name. XXXX XXXX removed it last year and now it appears again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 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: CA

Complaint narrative:
In 2018, I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts/collections with XXXX XXXX and a number of inquires that do not belong to 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 non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX CITIBANK - XXXX is listing an account as Citi Bank account ton my XXXX  report. My social ends with xxx-xx-XXXX, the account is not mine and has a different social and name. Citi Bank removed it last year and now it appears again.

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 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account is being compromised and stop payments have been done but CHASE is allowing bank drafts to still go through by XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In 2018, I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts/collections with XXXX XXXX and a number of inquires that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 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 items on my credit file, that do not belong to me, My Identity was stolen. these fraudulent accounts were made thru Identity Theft, I have a mortgage pending, that is when I found out about these accounts on my credit file. they were not authorized by me. I found out that I was also in a data breach with Equifax. Equifax has had so many data breaches, yet they refuse to help consumers in regards to Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The Citi Bank Sears issued Credit card site continually has crashed over the past several months I've been a customer. Never seen a bank/credit company with the worst sign in access ever of their website. Starting to feel its a scam to acquire late fees because of frustration

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 2019-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have an obviously fraudulent loan that was taken out in my name. Through the course of a year Navient has refused to make right the situation despite hours of discussion, police reports, affidavits, and missing documentation. I requested the loan origination documentation which lacked several key pieces of information. I then requested chain of custody, and it has never been provided. I have been constantly harassed with robo calls, spent countless hours on the phone and have received threatening letters from this company. They could not provide satisfactory reasons why my fraud claim was not found in my favor. They repeatedly requested the same documents over and over while taking months to respond. All the while their debt collection team would respond daily about my account. I said in writing multiple times I did not want further communication with the debt collection team, they ignored me. This company is unprofessional at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I qualified for a full discharge of my Nelnet student loans in XXXX. In XXXX of XXXX, Nelnet discharged my loans in full and also notified the IRS. In XXXX I received the IRS 1099c from the IRS showing my loans were discharged in full and was charged as in income on my taxes ... fast forward to XXXX, Nelnet decided to reverse the discharge and put the loans on my credit report. I contacted an attorney for a free consultation and he laughed saying Nelnet is committing fraud, and an IRS DISCHARGE is proof the loans were discharged. The attorney gave me instructions to contact you first before a lawsuit is filed to see if you can settle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BlueChip Financial
State: OH

Complaint narrative:
There was an spotloan account opened underr my personal identification. I have never intitiated an account with spotloan and XXXX keeps trying to force me to pay on an account that was opened in my name but it isn't mine. I don't have a XXXX account. Nor have i had one and got a spotloan account. I never requested a loan from spotloan. XXXX bought a account from spotloan. XXXX can contact XXXX   if they want but i never opened a account and requested a spotloan. This needs to be removed immediately. XXXX will not tall ro me about a non existent account. Feel free to contact XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I called to update my income based repayment plan for XXXX to XXXX. The new amount was {$110.00}. I didn't agree because it is not what I calculated. Then the rep said I could re apply by XX/XX/XXXX and re enter with a new amount cause I needed to enter my XXXX XXXX as a dependent. She then over the phone gave me a new amount. XXXX. it is now XX/XX/XXXX. I did not get an updated amount or resolution or answer and I faxed and emailed my new application and tax return again!!!!!! I am done wrong and financially robbed of my new payment. They lied and never got back to me. Also I think I am paying interest incorrectly. Indeed to have this research

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!

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 2019-10-02 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This bank keeps lying to me and treats me horrible they promised me that my replacement card would be contactless and it isnt when I call their customer service says their sorry horibke and then I requested a product change upgrade to the travel rewards card which they said I qualified for because of no foreighn transaction fee I chose this card but instead they change my existing cash rewards from a XXXX to a XXXX so unfair then when I call and ask them why I didnt get the travel Rewards they said their system in so tired of this bank treating me like this and wish they would keep their word I never got a contactless credit card and my existing account never got upgraded to the travel rewards card as I requested

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 2019-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Nu World Title, LLC
State: FL

Complaint narrative:
NU World Title of XXXX XXXX LLC ( XXXX ) XXXX financed my house about 4 years ago. The XXXX XXXX XXXX still have the previous owner name and they say there is missing documents and requirements that never were delivered by NU World Title company. Not only this is an inconvenience that it was financially covered during the purchased of my house, but I replaced the entire roof and now I can not get the final XXXX approval because the house is not on my name on the XXXX. Also, I am a veteran, XXXX, and I can not get my property tax discounts because the house is not on my name. I am concern now if I will sell the house that I will have also issues with that. After several months requesting support, they still delaying the process with no details of what is happening nor a resolution date. I am afraid there could be some illegal issues here around this process. Plus I believe VA loans have some requirements that I believe are not met due to this issue. I really need your help to solve this problem. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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