vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 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: NY

Complaint narrative:
I am a victim 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 2019-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: OR

Complaint narrative:
On XX/XX/2019 I emailed my authorization to take my loan payment from my XXXX account. LendingClub sent an email that it would be taking from XXXX and account I had previously asked them to not use. I will include all emails. I called the LendingClub and more or less what told its my problem. This company has extremely unethical business practices. I see that the FTC is quite aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a XXXXXXXX XXXX position at the company XXXX XXXX on XXXX. I was contacted a few days later with a scheduled interview. It was an online interview for 30 minutes. I was supposedly selected then a few days later I was sent a check to purchase office equipment for my home. I went to my bank on XX/XX/19 and asked the teller " do you think this is legit? because I am not familiar with positions like this ''. I was told that if the check goes in my account it should be good to go. XXXX contacted me and asked if I was ready, I said no because the money isn't in my account and they said it should be there by tomorrow the latest. I checked and it was there so I thought everything was legit. My next step was to go to my bank and get a cashiers check and take that check to Bank of america. I explained the situation again " does this seem secure because I am not familiar with this kind of business '' but I didn't receive any warning. I did all this by XXXX on XX/XX/19. The people were suppose to deliver the equipment to me by XXXX. Something told me to check my account. I checked, the funds from the check was gone along with that same amount from my bank account. I called my bank, they told me to go to bank of america and stop the check. I got there at XXXX and told them to please stop the check, something is wrong with this transaction. The lady at the branch told me that it was already scanned. Now here I am.

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 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I was going through my credit and noticed that there is a collection on my credit report that i'm not aware of. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other  instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I want to receive my mortgage taxes and interest refund for 100 % XXXX XXXX. XX/XX/XXXX I was declared a 100 % XXXX XXXX. I was notified in XX/XX/XXXX. I took my letter that stated my 100 % XXXX to my county Tax office who filed it which exempt me from paying taxes. They told me to send a copy of the letter to my mortgage company so they will stop collecting taxes out of my mortgage payment which will lower my payments. I kept calling the mortgage company asking them when they were going to reduce my payments. With each call I was told they would talk to their supervisor and get back with me. No one ever did. In XXXX I called and was told they would adjust my payments when they receive my tax bill in XX/XX/XXXX. I called them in XX/XX/XXXX about my payment adjustment and they said they had not received my tax bill. I was told by the Tax office my tax bill had gone out to the mortgage company and they had payed {$790.00} for taxes for XXXX thru XX/XX/XXXX which was before my XXXX rating of 100 %. I called XXXX XXXX back before XXXX XX/XX/XXXX and they told me taxes were paid and it was a good thing I brought it to their attention because I would not have gotten an adjustment on my mortgage. What he said upset me and I asked for my refund of taxes and interest which is over {$5800.00}. As of today, they are still deducting my mortgage payment of {$1200.00} which is incorrect, and we are in the month of XX/XX/XXXX. I called them today and was told they are still processing my payment and {$1200.00} will automatically be taken out of my account for XXXX. I told them to turn off the auto pay, and I want my tax and interest refund. I looked this company up and they have bad reviews and others have had the same problem I'm having.

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 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: HI

Complaint narrative:
as usual was using credit card. I had fine established credit and company ( XXXX ) put freeze on uses of card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: FL

Complaint narrative:
From the reporting company stating that no further action would be taken with out evidence being submitted. This is not right at no point was there any information received indicating that an investigation was completed but then your company sends this response that nothing will be checked into with out proof/evidence? Your company just blatantly broke the law which states that when information is requested that the credit reporting agency needs to investigate and resolve. Now with evidence that your company broke the law the items need to all be deleted. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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 been the victim of identity theft accounts were opened in my name fraudulently. 

- My current address ( copy of lease attached ) as of XX/XX/XXXX is : XXXX XXXX  XXXX XXXX XXXX, FL XXXX - Previous Address 6 months prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX - Previous Address for two years prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX I previously submitted a paper affidavit that was notarized and now I am including the official FTC Identity Theft Report filed with the report number. The following accounts are fraudulent and not mine. 

I have been the victim of identity theft the accounts were opened in my name and not done by me : 1 ) XXXX Acct # XXXX 2 ) XXXX XXXX Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX XXXX XXXX Acct # XXXX Please remove the following fraudulent inquiries not made by me : XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
When I checked my credit score I was taken back by how low it is, a further looked showed me that I have been sent to collection for a hospital bill from the XXXX XXXX XXXX Hospital. I have NEVER been seen by a doctor there! Nor did I ever receive a bill from the XXXX hospital or the collections agency! The Bill is for {$290.00} I haven't been able to receive any information about what it is for and why its at collections. It terribly hurting my credit score, and I don't think its right to have to pay a hospital bill you when have never been seen by a doctor there. I was never sent any bills or " last warnings '' I was only made aware of said debt when I checked my credit score on 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 2019-01-31 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: TX

Complaint narrative:
LetsstartthiscomplaintoffbysayingthatnotonlydoesExperianblatantlyavoidresolvingfraudulentissues,Theircompanyreallydoesnotcareaboutconsumers.IfyouarevictimofIdentityTheft,Theydonotworkwithyoutoresolvetheissue.FirstthingIwanttoaddressthereisanaccountonmyCreditReportforaXXXXXXXXXXXXXXXXXXXX,foraLineofCredit.Thisaccountisfraudulent,thisaccountwasnotopeneduntilmyidentitywasstolen.Ihavealreadyaddressedthiswiththecreditor.Idonothavemembershiptothiscreditunion,(Whichisrequiredtoobtainproductspertheirwebsite)andIhavenotsignedanything.Idonothaveanydisclosures.Didnotreceiveanyoftheirproductsandhavenoteverreceivedanycardsordocumentationfromthisinstituion.Thisaccountisfraudulent.ExperianknewthisandplacedthisaccountonmyExperianCreditReport.TheirFraudspecializedservicesdepartmentadvisedmetheydonotcareanddonotwishtoassistinblockingthisfraudulentinformation.SecondlyExperianrespondedtomylastcomplaintstatingthat"Theyremovedtheblockduetomaterial"misrepersentation''Nowtomethissoundslikeanaccusatorystatement.Experiandidnotprovideproofofsaidinformationtheysupposedlyusetoresolvethis.ThisAccounttrulyisfraud.Ididnotopenthisaccount.NordidIeverreceiveanydocumentationfromthisaccountHencewhyIdonotknowtheaccountnumber.Thisisaccountisdefinitelyfraud.Itwasopenedaftermyidentitywasstolen,andIdidnotifyExperianofthisinformation.ThisaccountisclearlyaddressedonmyLawEnforcementDocumentation,WhichExperianrefusestoacknowledge.Theyareclearlyavoidingallconsumerrightsputintoplacetoassistvictimsofidentitytheft.IamavictimofIdentityTheft.Thisaccountisn'tonanyofmyothercreditbureaureportsbecauseitisindeedFRAUD.IamrequestingthisaccounttobeblockedaspermyconsumerrightssinceIamclearlyidentifyingthefraud,andnotifyingthecreditbureaupromptly.InadditionIamattachingmylawenforcementdocumentationbelow.IhavenotdoneanybusinesswithaXXXXXXXXXXXXXXXXXXXX.IhavefiledthiswiththePoliceDepartmentandtheyhaveacopyofmyLAWENFORCEMENTAFFIDAVIT.WhichIamattachingonceagain.ThisisclearlysomethingExperianischoosingtoavoid.Thisaccountisfraudulent.PleaseblockthisfraudulentinformationfrommycreditbureaureportthatisduetoIdentityTheftwhensomeoneusedmyinformationfraudulentlytoopenthisfraudulentaccount.

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 2019-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This problem is new added to the prior report made in this company during the time a report is investigation. CFPB report # XXXX. I made a payment to walmart during the investigation process CFPB is conducting. However, walmart sent an e mail that payment has not been received. That indicates that fraud is open and they disregard the complain prior placed with CFPB. I have the receipt that I paid. as stated on report # XXXX. I handed XXXX dollars to a cashier at walmart and only XXXX were added to my XXXX card. The case is obsolete. I feel exploited in every way. 
I have the recipt. Not at hand at the minute I am typing this report, but I can posted at any time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: PA

Complaint narrative:
This is a public Audit Demand to retain all documentation proving that all Interest calculated on the account is being APPLIED appropriately. Due to some unfortunate situations in dealing with AES, I've been forced to demand this. If AES fails to produce the documentation I seek, I will make sure to obtain this through the use of my legal rights that pertain to the law. In Summary, AES has resources within their domain who tend to admit when something is right or something is wrong and yet, whenever I ask for the proof of this, they say they don't have it and that it's up to a different department to provide the information requested. AES also fails to provide which accounts they're applying any portion of interest, which misleads the borrower into thinking the interest is being applied as the law says it should. I have yet to believe that AES is doing ANYTHING RIGHT, and stand by that argument until AES can produce evidence suggesting otherwise. I'm in full consideration of seeking legal help to justify my aforementioned claims, because, as a collective, all borrowers that have to be instrumental in dealing with this company will never get the wasted time and money back for the egregious behavior this company is known for and all the headaches that have been distributed to all of these borrowers. They refuse to take ownership of their dysfunctional system and instead refute the claims and " blame '' the lender agreements, without citing which specific detail would cover that. 

Secondly, it's not mere coincidence that all Consumer Affairs websites such as the XXXX and the likes all have comments from borrowers who have the same issue with this company or similar issues. 

I absolutely believe that all of the issues mentioned here have to do with a disfigured conspiracy between legislators and the top executives within this organization. I speak for millions of borrowers and so does XXXX XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/XXXX I applied for a XXXX XXXX Rewards card while at the airport after I saw the advertisement. I did not see an email acknowledgement so I continued on with my travel and assumed the application did not go through. On XX/XX/XXXX I tried to apply again for the same XXXX XXXX and this time I received an email stating they would get back to me on my application. I called when I did not receive a reply to my application after a few days. My Credit Report is clean and I subscribe to XXXX for their services. It shows that XXXX did check my credit on one occasion. I have a credit score over 800 with no credit issues. When I called I was told that my application was declined due to too many requests for credit or opened accounts with XXXX. I tried to escalate my requests with XXXX and at the same time explaining what had happened. I was transferred many times with everyone basically saying they were sorry and they couldn't help. All my calls were to off shore call taking agencies that at times were difficult to understand and they had issues understanding me. XXXX relied on a report from Equifax who I called and they said it was up to XXXX and I should try and explain what happened. Again another off shore call taking company. No one attempted to resolve the issue or bring it to a conclusion. I wrote a letter to XXXX about the credit card service I received. I am concerned that XXXX will leave this on my record with them which I know to be wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Collection Systems, Inc.
State: WA

Complaint narrative:
my personal information was used at XXXX  XXXX XXXX college to receive financial aid for classes I have never enrolled or attended classes at the institution in question and a {$1500.00} debt was placed in collection on my name I have contacted the institution and they notified me of the fraud and have notified the debt collector of the fraud and online classes was taken from a person in Florida I do not reside in Florida nor have I ever been to Florida I live in Washington state and had no prior knowledge to the transaction until XX/XX/2019 when checking my credit report I spoke with XXXX XXXX at XXXX  XXXX and she notified me on my steps to take in getting the collection off of my account and getting a police report filed for fraud this collection has effected my credit score and has made things very difficult to me as a XXXX year old student which is why I am filing this fraud report to retain my information and clear up records of fraudulent behavior

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I signed up for XXXX Premium Family, when I signed up my profile name was changed to my wifes name, I was unable to utilize the full features of my membership under my ID. Ive been working with customer service since XX/XX/XXXX to fix this issue, on XX/XX/XXXX I closed my account at the recommendation of customer service but that didnt fix the issue. Now Im finding out that my credit report is locked, Im not able to obtain any new credit because of this situation. Escalation ticket number XXXX was opened on XX/XX/XXXX but there has been no effort from Experian to date.

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 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXXXXXX XXXX XXXX XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date. Please delet this from my credit report under FRCA guideline.

Company response to consumer: Closed with explanation