vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I NOTICE A DEBT NOT MINE AT ALL ON CREDIT REPORT> XXXX XXXX XXXX ACCT # XXXX MEMBER CODE : XXXX {$99.00} XX/XX/2019<>XX/XX/2019

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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to remove fraud alerts

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 2019-10-29 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX*** is reporting an account that I never seen before. I don't know what this is and it looks like an account for child support, in which case it is not mine as I have never paid child support. I don't know why this is on my credit but it is not mine and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX is reporting an account that I never seen before. I don't know what this is and it looks like an account for child support, in which case it is not mine as I have never paid child support. I don't know why this is on my credit but it is not mine and it needs to be removed.

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 2019-10-29 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX*** is reporting an account that I never seen before. I don't know what this is and it looks like an account for child support, in which case it is not mine as I have never paid child support. I don't know why this is on my credit but it is not mine and it needs to be removed.

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 2019-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: PA

Complaint narrative:
I have been trying to fix my XXXX XXXX XXXX  account for the better part of this year. I started sending disputes to XXXX XXXX directly in late XXXX. And have worked with many different people inside of their company to go over information that was reporting false on my credit reports. In XXXX, I was finally given a letter from XXXX XXXX stating that they would remove a late payment that was on my credit reports for XX/XX/2018. They updating ALL three credit bureaus, but XXXX was the only one to update correctly. I sent the letter to the two other CRA 's and contacted XXXX XXXX XXXX again about the update. I only contacted XXXX XXXX because their update had created new negative information on my account. So I was fighting these new problems with XXXX XXXX, while trying to fix the old problem with the credit bureaus. This cycle of waiting for my credit report to update, new negative information on it, dispute with the CRA 's same old information, complain to XXXX XXXX about new errors on my report, and waiting for credit report to update. Has been a monthly dance for almost half a year. My XXXX XXXX XXXX   account update XX/XX/XXXX with ALL three credit bureaus. It is now a completely inaccurate reporting of my payment history. I am sick of XXXX XXXX doing whatever they want to my credit report and to my credit score. They have violated the FCRA and have failed to produce 100 % accurate information to the credit bureaus in a 30 day time frame. I want this account removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: PA

Complaint narrative:
I have been trying to fix my XXXX XXXX XXXX  account for the better part of this year. I started sending disputes to XXXX XXXX directly in late XXXX. And have worked with many different people inside of their company to go over information that was reporting false on my credit reports. In XXXX, I was finally given a letter from XXXX XXXX stating that they would remove a late payment that was on my credit reports for XX/XX/2018. They updating ALL three credit bureaus, but Equifax was the only one to update correctly. I sent the letter to the two other CRA 's and contacted XXXX XXXX XXXX again about the update. I only contacted XXXX XXXX because their update had created new negative information on my account. So I was fighting these new problems with XXXX XXXX, while trying to fix the old problem with the credit bureaus. This cycle of waiting for my credit report to update, new negative information on it, dispute with the CRA 's same old information, complain to XXXX XXXX about new errors on my report, and waiting for credit report to update. Has been a monthly dance for almost half a year. My XXXX XXXX XXXX   account update XX/XX/XXXX with ALL three credit bureaus. It is now a completely inaccurate reporting of my payment history. I am sick of XXXX XXXX doing whatever they want to my credit report and to my credit score. They have violated the FCRA and have failed to produce 100 % accurate information to the credit bureaus in a 30 day time frame. I want this account removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like to remove fraud alerts

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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to remove fraud alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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: NY

Complaint narrative:
This is not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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: IL

Complaint narrative:
THE DISPUTED ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT REPORT, PLEASE REINVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. THE XXXX ACCOUNT WAS REMOVED OFF MY CREDIT, IT REAPPEARED AGAIN WITHOUT MY KNOWLEDGE, PLEASE HAVE THOSE NEGATIVE ACCOUNTS COMPLETELY OFF MY CREDIT FILE. ATTACHED ARE REPORTS SHOWING THE ACCOUNT WAS NOT REPORTING ON MY CREDIT.

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 2019-10-29 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: IL

Complaint narrative:
THE DISPUTED ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT REPORT, PLEASE REINVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. THE XXXX ACCOUNT WAS REMOVED OFF MY CREDIT, IT REAPPEARED AGAIN WITHOUT MY KNOWLEDGE, PLEASE HAVE THOSE NEGATIVE ACCOUNTS COMPLETELY OFF MY CREDIT FILE. ATTACHED ARE REPORTS SHOWING THE ACCOUNT WAS NOT REPORTING ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: CITIBANK, N.A.
State: MA

Complaint narrative:
These are the remarks that is not accurate. It makes the reports inaccurate. 

XXXX OK OK OK OK OK OK 60 30 OK OK OK OK OK OK 90 60 30 OK OK OK OK OK OK OK XXXX 30 OK OK OK OK OK OK 90 60 30 OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK 60 30 OK OK OK OK OK 90 60 30 OK OK OK OK OK OK

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 2019-10-29 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
In the month of XX/XX/2019 OneMain Financial debited my account twice within a two week span without my consent. On XX/XX/19 the company debited from my account {$150.00} and also on XX/XX/19 {$150.00} which caused me to go into an overdraft status. I contacted my bank. My bank closed the debit card down and had them to place the money back into my account after my dispute. On Wednesday XX/XX/2019 I had authorized online a payment in the amount of {$360.00} the company changed my information online and attempted to draft a payment in the amount of {$670.00}. The draft attempted to come through my account twice without success. Please see below : XX/XX/19 ONEMAIN FINANCIAL XXXX XXXX XXXX Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from ONEMAIN FINANCIAL XXXX XXXX XXXX Card ending in XXXX {$150.00} ONEMAIN FINANCIAL XXXX XXXX XXXX It only shows on text message where they attempted to run the {$670.00}. This is unethical practice from my understanding they are not suppose to change my information or go into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2019, XXXX transfer was initiated from my USAA bank account for {$90.00}. This transaction was fraudulent. The recipient of this transaction does not seem to actually exist, even though they're supposed to be tied to a bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rhode Island Student Loan Authority
State: RI

Complaint narrative:
Repeated calls, voicemails, and emails for past due account. Spoke with customer service rep XX/XX/19. Initial statement from rep was that my account is in pre claims and asked if I was still using my bank account ending in # # # # so that he could deduct the funds. There were no other options offered at that time, this is highly intimidating. I informed rep of my current status at work/lost overtime/hours and that there were no funds available to deduct. I then informed the rep that got paid on Thursday, XX/XX/XXXX and would take care of what I could. Made payment on XX/XX/XXXX in the amount of {$140.00}. Received two consecutive phone calls Saturday XX/XX/XXXX at XXXX and XXXX, with an immediate follow up email at XXXX. 
Received phone call on XX/XX/XXXX at XXXX with voicemail informing me that my payment on XX/XX/XXXX wasnt the agreed amount ( there was no agreed amount ) and that my credit will be impacted. I then received an email on XX/XX/XXXX at XXXX titled second attempt. As of today I have received four phone calls, one voicemail, and two emails In the span of 7 business days. This amount of repeated contact is harassment. I have contacted RISLA previously via email requesting that they do not contact me in this manner and requested that they stop harassing me while Im struggling to get my account paid up. One phonecall should be sufficient, especially when I have made documented recent payments. They have not complied with my requests to cease harassment. Emails/supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have repeatedly requested statements from American Express from XX/XX/XXXX through XX/XX/2016. I requested copies in XX/XX/XXXX, XX/XX/XXXX and most recently on XX/XX/XXXX where I spoke to XXXX XXXX ( XXXX ) and requested to speak with a supervisor. As none was available, I was told I would receive a callback within 24 hours. To date, no call has been received. I would appreciate receiving the statements as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: NY

Complaint narrative:
On XX/XX/XXXX a commercial equipment lease was opened with XXXX XXXX for 2 commercial refrigerators for XXXX XXXX DBA/ XXXX XXXX XXXX  XXXX. 

The account came 30 days past due in XX/XX/XXXX, The account was reported on my personal credit report file as 30 days past due for a personal auto loan. 

At this time the account is current with no past due amount. 

I am requesting that the credit report file be removed because I did not take out a personal auto loan with XXXX XXXXXXXX, also this is a commercial loan and it should not be reported on my personal credit file. This should be reported on the business credit report file. I've attached a copy of the original commercial lease agreement for review.

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 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As i have stated previously, this account from XXXX XXXX XXXX  XXXX as of XX/XX/2018 until now keeps showing up and demolishing my capabilities of life advances when i have shown and sent in Documents as result of Identity theft. Please Block, and eliminate this Fraudulent account from my reports especially on my Experian.

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 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
Servicer SN Servicing never sent us a loan ownership transfer notice when our mortgage was sold. The XXXX XXXX, new owner of your loan and servicer never notified us within 30 days of the effective date of the transfer. They only transferred in XX/XX/2019 with the court but filed a judgement foreclosure sale before notifying us of transfer. They never sent us notice of the new owner 's name, address and telephone number. 

( and if different, the person who can resolve issues concerning your loan payments or any right to rescind the loan ), They sent information with contradicting dates of transfer, a year after the transfer apparently took place, and never advised us whether the transfer of ownership is recorded in public records. 

We became collateral damage in their transfer process. 

They filed with the court immediately for judgement foreclosure and sale. They are still attempting to sell our home via court, without any genuine effort to modify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I my wife and I made 3 different cash deposits into our joint checking account using NFCU ATM Machines. My wife even went inside a NFCU Branch to use their ATM to make a cash deposit. 
Our XXXX payment was made on online on XX/XX/XXXX in the evening. There was funds available to pay our {$99.00} XXXX bill. 

We had funds available to pay our XXXX bill, on XX/XX/2019 we noticed we got hit with a {$29.00} fee, for return. 

It shows we actually had funds available to pay our XXXX bill. We made several deposits that entire week, what NFCU does they hold out funds and not make them available right away. Our deposits are CASH DEPOSITS. Someone needs to investigate NFCU PRACTICES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: NV

Complaint narrative:
I applied for a loan and got the amount of XXXX dollars on XX/XX/XXXX. I then tried to ask for an extension or a lower amount owed on XX/XX/XXXX. They did not allow that and stated : We apologize for any inconvenience, but we are unable to honor your request at this time. 

Your next scheduled payment will be automatically debited from your account on XX/XX/2019 In the amount of {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Already made an complaint against the company. Since then Navy Federal Credit Union switched the title of the loan account as Consumer Loan and not the vehicle loan that it was orginally labeled. This was so they can illegally transfer payments from one loan account to another. All payments that i made towards the vehciel loan was labeled so on the money orders. I have all copies of every money to include the certified mail statements.

I now do not have access to see statements at all or other accounts. The complaint that I made before was XXXX. This company has done me more harm than good. Veterans need to stay away. All of this has caused a lot of anxiety, depresssion, and I can't take no more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation