vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I went Citi bank branch open a credit card which is Citi prestige, Citi bank has approved my card on XX/XX/XXXX, the credit limit is {$5400.00}, then I got my card try to use it, but every time I use showing the decline. so I called Citi bank at least 3 times, they said that is a system problem, they already fixed it. then on XX/XX/XXXX Citi bank closed all my accounts, including 2 credit card open 3 years ago and 1 year ago. the reason is just I have too many credit inquires on my credit report. so I totally have no idea, why citi bank approved my new card, then closed all my 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 explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: National Recoveries, Inc.
State: PA

Complaint narrative:
I have submitted previous complaints and the Lender continues to lie about their settlement of my resolution. My former compain # 's are # XXXX and # XXXX. I have been on XXXX XXXX and XXXX XXXX XXXX and due to my doctor having me out of work so long, I was terminated. Please refer to my previous two ( 2 ) claims submitted as both the Department of Education and National Recoveries have different totals and have NOt triEd to work with me. I called the Ombudsman at DOE and several people at National Recoveries Service. 

I received a letter from DOE on XXXX XXXX, XXXX and when I called they directed me to National Revcoveries. Mind you, there is almost a {$25000.00} disparity in the totals. I feel like I 've been given the run around as National recoveries initiallly accepted a payment plan with me on XX/XX/XXXX for $ XXXX and then reniged on their offer as I tried to pay the next month. I told them I was on XXXX and had little pay however, I could pay the agreed upon {$150.00}. I have a transaction # XXXX which was paid on XX/XX/XXXX at XXXX XXXX EST. 
When I went to make the next month 's payment, I was told that the employee that made the plan was moved to another department and my payment agreement was not acceptable. I was encouraged to get on the XXXX payment plan instead. 

I expressed my dissatisfaction and lack of professionalism of NRS and the DOE. I have not received ANY paperwork from them in over a year. I just recently got a letter from the Department of Education with much lower total amounts and was informed to call them immediately. I must tell you both entities are VERY unprofessional. They have put this on my credit report and threatened WAGE GARNISHMENT and Taking my TAX RETURNS. These entities should NOT be able to treat people like this as they are not telling your rganization the truth in their resolution responses as you can see from reading the aforementioned. 

HELP! HELP! HELP! HELP! HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
XXXX XXXX, 2017 To whom it may concern : I need assistance from your organization. I would like to file a complaint against a collection agency by the name of AMCOL SYSTEMS INC. 

This collection agency has placed a fraudulent collection onto my credit files, and I want this fraudulent information removed immediately. 

This agency has placed a collection in the amount of {$1500.00} onto my credit files, claiming that I owe these funds to XXXX XXXX XXXX XXXX. 

They are claiming that I owe this Care Now style emergency room this money. I have not visited that facility in over a year, and any claims that were created during my visit at that time, have already been paid in full, by my insurance carrier some time ago. 

From what I have learned, there is a lawsuit that has been recently filed against this medical facility, and I presume that this is why they have recently changed their name. 
That medical facility has a bad record of exorbitantly overcharging patients for minor services performed, as well as not crediting patients for medical bills that have been paid, they use different AKAs when it comes to collecting payments, and I suppose this causes confusion for them, so the one that suffers is the patient, because the billing staff cant keep their records straight. 

This collection agency has broken the law, they are committing slander of credit, because they are charging me for a debt that I do not owe, as well as they also did not contact me at all prior to placing this fraudulent information onto my credit files to verify the accuracy of this debt. 

They have damaged my credit rating, and thereby caused me harm, and this has influenced my ability to conduct my financial transactions, and I am seriously considering initiating legal action against this collection agency. 

I want AMCOL Systems Inc. to provide to me in writing, proof that they are licensed to collect in my state, as well as, I would like proof of their license numbers, and their Registered Agent documentation. 

I want AMCOL to respond directly back to your organization, and you can provide me with their response, I want your agency fully involved in my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: AZ

Complaint narrative:
I have tried several times and ways to have the AZ XXXX child support payments history corrected with the bureaus. Account was never late or with arrears. I have submitted court documents from the collecting state confirming on time payments and a overpayment. The CRB wo n't update and shows 35 missed pay, nets of 120+ days. There is also a loan showing wrong/false information not once but twice both with different data. It 's from XXXX XXXX in South Dakota and states I entered into some loan I have no idea about. I have been trying to get a home but it 's been months with incorrect information 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 2017-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp
State: HI

Complaint narrative:
This is a fradulant student loan consolidation company. When I signed up for the consolidation I was promised over the phone that if I consilidate with them that my loans would be relieved in 3 years. After a lot of research and talking to XXXX and XXXX I found out that im basically paying these people {$39.00} a month for them to do nothing ( all thry did initially was submitted me for PAYE, pay as you earn on XXXX ) and I signed a contract with them thinking I wouldnt have any more loans to pay in 3 years which is absolutely not true. I was misguided and being naive about the situation and they scammed me and now they are cold calling me, and my family ( I have no idea how they got my families information, my family lives in XXXX and I live in Hawaii ). I have terrible credit now because of this company but refuse to pay into this scam so do n't know what to do, please help if you can, thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: Consumer Portfolio Services, Inc.
State: WA

Complaint narrative:
There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 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: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXXXXXX XXXX XXXX in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.

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 2017-10-16 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: AZ

Complaint narrative:
I have tried several times and ways to have the AZ XXXX child support payments history corrected with the bureaus. Account was never late or with arrears. I have submitted court documents from the collecting state confirming on time payments and a overpayment. The CRB wo n't update and shows 35 missed pay, nets of 120+ days. There is also a loan showing wrong/false information not once but twice both with different data. It 's from XXXX XXXX in South Dakota and states I entered into some loan I have no idea about. I have been trying to get a home but it 's been months with incorrect information 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 2017-10-16 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
In connection with regards to the above mention capture, a contract agreement was enter and agreed upon on into ( XX/XX/XXXX ) date, for the sale of this property in the amount of ( {$180000.00} ) due the appraisal value coming in {$2000.00} more I believe the sales price was increase and an amendment to the contract of sale was done in which I never signed, nor did I agree to pay the revised sales price. 
As a result of this my loan with FBC Mortgage was suspended for the following issues, having less a two employment history, in which I provide supporting documentation for supporting I had a two year  work history. ( I was hurt on the job and was out on workmen compensation ) and the owner 's wife who is the bookkeeper put the incorrect dates on my verification of employment. 

The other was my debt to income ratio but I am really not sure why this was an issue as I could have paid off and closed any debt to reduce my ratios. ( Our income is {$5100.00} and our proposed housing payment would have been {$1300.00} making our front ratio 27 ). 

My credit has been ran multiple times and the report was n't even 120 days old. Why was my credit ran after the application ( XX/XX/XXXX )? 

This is very disturbing, my wife and I are very disappointed in how are our mortgage was mishandled, misled, Totally lack of communication at times with the loan orginator XXXX XXXX, professionalism and respect. I thought FBC Mortgage was a reputable organization referred through XXXX XXXX as we were looking forward to being homeowners. 

What FBC Mortgage did was not right and if I could get my message across to help someone else who may have experienced what I went through it could mean a lot. Everyone deserves a fair opportunity to become homeowners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax data breach personal information exposed A letter of intent to file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: GA

Complaint narrative:
I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX Rent XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX  XXXX XXXX XXXX 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 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have two accounts 'XXXX XXXX XXXX XXXX ' and XXXX XXXX XXXX XXXX that are listed on Experian that should not be. According to my records with XXXX AND XXXX, those two accounts have aged and have been deleted of my account. I 've spoken with Experian multiple times and they are unable to give me an exact date of when these two accounts should be deleted. With my previous negative accounts, the date of deletion were listed next to the accounts but they are not listed next to these accounts. I 've asked that if in fact these accounts have not aged, that they give me an exact date listed next to the accounts and til this day, it is not. Every time I call and ask when they should be deleted, I 'm getting different days and that is not fair to me. I want Experian to delete these accounts as they are aged and they can not accurately verify the date of deletion. Experian needs to follow suit with XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 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: GA

Complaint narrative:
I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 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:
I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX XXXX XXXX XXXX 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