vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
I recently obtained a copy of my credit report and noticed a debt that was previously confirmed to not be mine added back by another collection agency. I find it very unprofessional and disturbing that this collection agency would assassinate my character and credit worthiness by adding this false account to my report before verifying the validity of this information. Furthermore, the agency never had the courtesy to contact me in any manner before impacting such a major part of my livelihood. Please assist with with bringing light to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: Midwest Recovery Systems
State: CA

Complaint narrative:
I received a credit report update from XXXX XXXX on XX/XX/2019 : Midwest Recovery Systems put a {$200.00} collection account on my credit reports ( states between XX/XX/2019 and XX/XX/2019 account opened ). Collection states origional creditor was XXXX XXXX XXXX XXXX. I did not get a loan from XXXX XXXX XXXX XXXX, never received a call from XXXX XXXX XXXX XXXX, and no mail received. I did start a dispute with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: VA

Complaint narrative:
I am updating another claim as it pertains to an error in reporting either by Transunion or by XXXX XXXX XXXX XXXX. I, XXXX XXXX XXXX have never had a line-of-credit with XXXX XXXX XXXX XXXX. This was a simple checking and savings account. Therefore, this account is reported erroneously. It is indicated that I had a line-of-credit account opened approximately XX/XX/XXXX and was closed on or about XX/XX/XXXX after paying the balance on XX/XX/XXXX. This is incorrect and the evidence will show that the past dispute with XXXX XXXX XXXX XXXX was for the assessment of overdraft fees by misapplying funds inappropriately. During a period between XX/XX/XXXX-XX/XX/XXXX, my checking account was noted to be spent down despite funds being available ( deposits, wages, etc. ) and the bank would charge overdraft fees and then the available funds. The sequence of deposits and withdrawals were not processed in the manner in which they should have. I will resubmit this to the bank based on the Transunion settlement claim as well as to two or more agencies, specifically the NCUA because I never had a line-of-credit with XXXX XXXX XXXX XXXX and the dispute was over {$300.00} in overdraft fees and statement fees between XX/XX/XXXX-XX/XX/XXXX. This matter is hereby updated to include erroneous reporting by XXXX XXXX XXXX XXXX in regards to an account that I never authorized ( i.e Line-of-Credit ) or was known to have. This information was submitted to the attorney for Transunion per request ( s ) and was further indicated that a release would not be signed by XXXX XXXX XXXX in regards to Transunion reportings on the 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 2019-01-17 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: AL

Complaint narrative:
I HAVE BEEN GOING BACK AND FORTH WITH EQUIFAX SINCE LAST YEAR ABOUT THIS XXXX XXXX ACCOUNT. I HAVE SUBMITTED PROOF TO THEM SEVERAL TIMES THAT THIS ACCOUNT IS NOT MINE. I HAVE CONTACTED XXXX XXXX GLOBAL FRAUD TEAM WHO HAS TOLD ME ORE THAN ONCE THAT THE PHONE WAS BEING USED MOLES AWAY FROM MY ADDRESS. YET EQUIFAX CONTINUES TO ADD THIS ACCOUNT TO MY CREDIT REPORT. THIS IS THE SAME COMPANY THAT ALLOWED MY INFORMATION TO BE BREACHED AND KEPT IT AWAY FROM ME AND MILLIONS OF OTHERS CONSUMERS. THE CONTINUE TO ALLOW FALSE INFORMATION TO BE ADDED TO OUR CREDIT REPORTS. THIS BUREAU NEEDS TO BE MONITORED ON A DAILY BASIS BY HIGHER AUTHORTIES BECAUSE THEY ARE CONTINUING TO HURT CONSUMERS BY ALLOWING FALSE INFORMATION TO BE ADED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank credit card has put me on paperless statements without my permission several times which has caused in one case late payment. They said I agreed to it online.

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 2019-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 XXXX XXXX contacted my father on a private, state issued phone ( he is a state police officer and that was his work phone ) which is not a number I had ever provided them with. They gave him private information about my debt and it's current status and told him they are taking legal action and that he needs to hire me a lawyer. I contacted them the same day and questioned how they even obtained his private work number and told them to stop contacting him and to only contact my number and gave them my number and made sure it was verified by them twice verbally. The on XX/XX/2019 my father was again contacted by XXXX XXXX   and told that I am being sued and need to hire a lawyer because I owe them money. They continue to call him on his private work line and I have requested that they cease and they have not. I have also explained to them that I am a college student and would pick my payments back up when I had the money as I do not have it now. I will be calling them again today to ask them once again to stop harrassing my father since they are calling him instead of me about MY DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XXXX XXXX- XX/XX/18 {$1000.00} XXXX XXXX- XX/XX/18 {$1200.00} XXXX XXXX XXXX-XX/XX/18 {$1800.00} XXXX XXXX  -XX/XX/18 {$3700.00} XXXX/XXXX-XX/XX/18 I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, have sent a letter to my job in regards to garnishment for student loans and have already garnisheed 2 paychecks. I have never received and documents from them prior to them contacting my job. Then when I called they told me that they would stop the garnishment once they send out a letter to me and I have 30 days to respond. However, they just garnished another paycheck.

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 2019-01-17 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: DISCOVER BANK
State: NJ

Complaint narrative:
discover card has not updated my balance which is XXXX $ with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 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: Choice Recovery, Inc.
State: FL

Complaint narrative:
I have not received a notification from Choice Recovery regarding a medical bill. And they have it on my credit report three times but it was the same visit. I don't believe they can show each procedure the doctor performed ; only the total amount due for the visit. I wasn't aware of this until I checked my credit report. I plan to pay this as soon as they agree to correct the reporting of it. I have not contacted anyone at Choice Recovery nor have anyone from Choice Recovery contacted me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
capital one card has not updated my balance which is XXXX $ with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: NJ

Complaint narrative:
XXXX XXXX card has not updated my balance which is XXXX $ with the credit bureaus.

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 2019-01-17 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: NJ

Complaint narrative:
XXXX XXXX card has not updated my balance which is XXXX $ with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 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: NJ

Complaint narrative:
XXXX XXXX card has not updated my balance which is XXXX $ with the credit bureaus.

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 2019-01-17 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Amex card has not updated my balance which is XXXX $ with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: NJ

Complaint narrative:
XXXX card has not updated my balance which is XXXX $ with the credit bureaus.

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 2019-01-17 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: NJ

Complaint narrative:
XXXX card has not updated my balance which is XXXX $ with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Contacted Credit Bureau with information requesting them to validate inaccurate information placed on my report. Information sent back was account was verified. I did not receive information with who verified the account information and how was it verified. I have sent in letters showing the court do not provide records to third parties. Has sent 3 letters to the credit bureaus with the same response back.

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 2019-01-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax, XXXX, XXXX XXXX and XXXX XXXX have failed to do anything sent police report and hacking reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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 — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX, XXXX, XXXX XXXX and compass bank have failed to do anything sent police report and hacking reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Dates : XX/XX//2019 ; {$250.00} : Tried reaching the person phone number, IM him but he removed from group does not pick up the call. 

He has an advertisement in XXXX and send some documents to support him. 

There is no company involved I transferred to the person through XXXX. 
I have his full billing address that too post paid from XXXX. 

XXXX XXXX XXXX, GA, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning Systems has allowed XXXX to not only add inquiries to my Early Warning Report but also has allowed them to open accounts. I did not authorize XXXX to open neither a checking nor savings account in my name. This only occurred after my wallet was stolen and my identity was contained inside my wallet. I am not a member of the military and you have to either be a part of the military or a part of the military family to obtain membership. My Family is not part of the military either. Therefore the membership is fraudulent. I have notified Early Warning Systems and haven't received any documentation back from this I have not even received a copy of my report they promised to send to me. My Address needs to be updated in their system. These accounts are fraudulent and as a result of Identity Theft. I am attaching my Identity Theft Affidavit. Please block all XXXX  inquiries and Accounts. In Addition to the XXXX  Accounts I see XXXX XXXX accounts on there as well now. These again are Fraudulent. I did not authorize XXXX XXXX to Allow Checking Nor Savings accounts to be opened in my name. Please follow proper procedures in blocking the inquiries and the fraudulent accounts in which i did not authorize. Once completed please send me a new copy of the early warning systems report by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX, I emailed KeyBank and advised them that I have not received statement on my mobile/online banking for over 6 months. Instead, When I click to download my statement, a notice appears telling me that my account is undergoing technical difficulties. Again, I have been receiving this same notice for 6 months or more now. KeyBank responded XX/XX/XXXX, apologized and stated that the issue would be corrected in 4 to 5 business days. My confirmation # for this complaint is XXXX. On XX/XX/XXXX, I logged in to KeyBank again, to view my statement and make a payment. There was no statement and In its place, another notice that my account is undergoing technical difficulties. I Have paid my loan monthly and on time b/c I have received statements in the mail. I have not seen a statement for the month XXXX. I have not received it in the mail, and it is not posted online. I will gladly make payment but need to view my statement first. I do not wish to receive statements via mail, and would prefer statements be posted to mobile site for convenience. Either way, I at least need to see my statement. I e-mailed KeyBank again on XX/XX/XXXX regarding this issue and have had no response back. I Am disappointed with KeyBank service. I have had several issue in the recent past. This now my 3 CFPB complaint. It is the only way things seem to get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: EQUIFAX, INC.
State: ID

Complaint narrative:
XXXX XXXX XXXX- XX/XX/18 {$1200.00} XXXX XXXX-XX/XX/18 {$850.00} XXXX XXXX XX/XX/18 XXXX I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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:
There are many mistakes appear in my report without my understanding.

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 2019-01-17 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:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
I took out this loan on the internet as a short term loan to get my business going for my busy season. I thought I understood the terms interest rate and the due date. After paying direct debits through my bank account for six months I was surprised to see the loan balance was the same amount. When I called them I asked why the payment came out on different dates. They explained something I still do not understand. My understanding was that the payment was due on the XXXX of each month but that is not the case. 

I told them that was not the way it was presented to me and that they should back date all my payments to the XXXX of the month. I have never missed a payment over 1 year and have only paid {$100.00} off the Principal. 


I feel like this loan was misrepresented to me and I now see there is no way I am able to pay it off in a timely manner.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have a car loan with Santander they are attempting to report me as 22 days late despite making a large XXXX payment they claim because I did not pay last month my XXXX payment I am past due but I have made a very large payment with immediate monthly payments and have decided until they fix this reporting I am not going to send a payment until the XXXX XXXX payment is used up towards vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation