vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 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:
-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center
State: KY

Complaint narrative:
I signed up for PREMIER STUDENT LOAN SERVICE in XX/XX/XXXX. They told me I had to make 4 payments of {$240.00} and after that I would pay $ for 20-30 years. They got my loan down to {$5000.00} - {$5900.00}. I made my payments on time every month. I got a letter from XXXX XXXX XXXX some time in XXXX says I pay {$0.00}. I get a call XX/XX/XXXX says Im past due on my student loans. I thought I was paying PREMIER LOAN SERVICES. I tried to call no answer go on they website to find out they were being used. Look on my XXXX  credit report and I have an address on my report that is located in California. Never been to California before in my life. Go to renew my fasfa to start school again and Im locked out they changed my email and phone number, so I couldnt login in. Had to call FAFSA to get everything back working. So basically I was scammed.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-09 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: FL

Complaint narrative:
I have submitted letters to all 3 credit bureaus and to the creditor them selfies to dispute these items on my credit file. They have not responded a letter was sent to all parties involved on XX/XX/19 and no action has been taken nor was it removed or corrected all document proving my case was submitted as well. There are 2 accounts listed on my credit file with the exact account number being reported as a duplicate with incorrect information the account should be reported all 3 CB under XXXX/XXXX XXXX the amount/High credit limit and past due amount are incorrect. XXXX  XXXX XXXX  has my information on CF reported incorrectly with duplicate accounts 2 separate account numbers which is making my CREDIT UTILIZATION higher than it should, all information is listed incorrectly on report. XXXX XXXX is reporting incorrect information on my credit report to all 3 CB  the account status is listed incorrectly and the MONTHLY PAYMENT IS LISTED AS $ XXXX/MONTH which is INCORRECT. Another DUPLICATE account listed on CREDIT FILE XXXX XXXX  and XXXX WITH THE EXACT SAME ACCOUNT NUMBER ALL INFORMATION REPORTED IS INCORRECT, this account had been paid and and there is not a past due amount as TRANSUNION is reporting. XXXX XXXX XXXX is reporting INACCURATE INFORMATION ON CF. XXXX XXXX XXXXIS REPORTING INACCURATE INFORMATION UNDER XXXX this account is closed not open. XXXX located on credit file doesnt belong to me I have never had an account with this XXXX  or 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 2020-01-09 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: FL

Complaint narrative:
I have submitted letters to all 3 credit bureaus and to the creditor them selfies to dispute these items on my credit file. They have not responded a letter was sent to all parties involved on XX/XX/19 and no action has been taken nor was it removed or corrected all document proving my case was submitted as well. There are 2 accounts listed on my credit file with the exact account number being reported as a duplicate with incorrect information the account should be reported all 3 CB under XXXX/XXXX XXXX the amount/High credit limit and past due amount are incorrect. XXXX  XXXX Bank has my information on CF reported incorrectly with duplicate accounts 2 separate account numbers which is making my CREDIT UTILIZATION higher than it should, all information is listed incorrectly on report. XXXX XXXX is reporting incorrect information on my credit report to all 3 CB the account status is listed incorrectly and the MONTHLY PAYMENT IS LISTED AS $ XXXXMONTH which is INCORRECT. Another DUPLICATE account listed on CREDIT FILE XXXX XXXX and XXXX WITH THE EXACT SAME ACCOUNT NUMBER ALL INFORMATION REPORTED IS INCORRECT, this account had been paid and and there is not a past due amount as XXXX  is reporting. XXXX XXXX XXXX is reporting INACCURATE INFORMATION ON CF. XXXX XXXX XXXX REPORTING INACCURATE INFORMATION UNDER EXPERIAN this account is closed not open. XXXX located on credit file doesnt belong to me I have never had an account with this XXXX  or 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 non-monetary relief
Consumer complaint received 2020-01-09 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: NY

Complaint narrative:
I previously notified Equifax that I am a victim of identity theft, I am not a credit repair company I am me, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: TX

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-01-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
They've put my case with collections already i have 4 different schools and four different loans. I can't pay back if i have no income or way of getting my credit score back up. Also ive told them im XXXX XXXX XXXX and i recieve social securit. Net nel handled it then and still no results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

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 2020-01-09 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: GA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

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 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2019 I had disputed an amount {$1300.00} with Bank of America because a vendor did not deliver the furniture for which I had already paid. On XX/XX/2019 Bank of America closed the claim stating that my dispute is improper because I signed the credit card receipt when I paid. I repeatedly told Bank of America that it was a deposit and not a signature for the receipt of the furniture. They did not allow me to submit any supporting documentation online. When I mailed the documents they said that they can not read it. I called the Vendor 's bank and they said that they will work with Bank of America but apparently Bank of America never submitted my supporting documents to the vendor 's bank. I called Bank of America 8 times but they refused to look at the evidence. When I complained to their customer service they called me saying that they will not allow me to submit any documentation online but provided no reason for it. There is no evidence of me receiving the furniture but Bank of America does not want to help. 

I am attaching the letter and supporting documents ( along with their detailed descriptions ) that I had sent to Bank of America when they refused my claim the first 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 explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Hi Team, I had a bad situation with citibank becoz i am holding citibank credit card I have done some purchases on behalf of my girl friend. She has already done payment to my credit card {$5000.00}. After 20 days The citibank has done reverse payment to same amount. I dont know why they have done this XXXX  activities with out inform to account holder. I was checking my account everyday but the unfortunately the reverse payment updated in the citibank systems taken more than 20days later i have got update stating that just owe to citibank {$5000.00}. I have given couple of complaints citibank but no one caring about my complaint finally they said ask the sender to do payment again to my credit card. 

Becoz of the unfair customerservice i have lost {$5000.00} Please help e here to get resolve this issue my card ending 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 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
On XX/XX/XXXX a Phoenix Financial Services requested a debt be paid of {$550.00} to a medical company by the name of XXXX XXXX XXXX XXXX, which when researching online is considered a highly illegal and wrongfully created debt creditor. I spoke with the emergency room and original collector who filed a claim with my health insurance and the original claim was collected. The original account number and original creditor listed on the form from Phoenix Financial Services are incorrect and they stated that I would need to still pay out of pocket for the debt even though it had already been paid. Phoenix Financial Services is using childrens medical issues to gain monetary funds to their benefit. It is disgusting that this is happening to anyone. Let alone that there are already multiple lawsuits against said company beginning in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I initiated a dispute with Capital One within the terms of agreement. It was for an XX/XX/2019 purchase which posted on XX/XX/2019 for {$97.00}. The merchant was XXXX. XXXX is a reseller of gift cards. 

XXXX XXXX XXXX ... XXXX {$97.00} XXXX, TX XXXX Purchased : Mon, XX/XX/2019 Posted : Tue, XX/XX/2019 Purchased By : XXXX XXXX Appears on statement as : XXXX XXXX XXXX TX XXXX Case Number XXXX I enclosed to Capital One multiple emails sent to the merchant requesting assistance, first because of a bad link to the gift card and second because the gift card code was an invalid, fake code. 

The company failed to respond to the emails. 

I also sent the actual ( fake ) gift card code that was provided to me. Capital One has the purchased product in their profession. 

A simple check with the retailer ( Kohls ) website or gift card department phone number would reveal that the gift card code was invalid. 

However Capital One never investigated this. 

The merchant provided an unsigned statement saying there was documentation that I used the gift card however failed to provide that supposed documentation. Furthermore the statement was unsigned and not attributed to any name or any title. 

Yet Capital One closed the case without any investigation and despite the overwhelming evidence I provided that proves the gift card was fake. 

This is one of several times Capital One has failed to properly investigate a dispute and instead just pushes papers which violates their own terms. 

Inclusively Capital One was provided with documentation that XXXX  has an F rating with the XXXX and has multiple complaints about it defrauding customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On or about XX/XX/2018 I was roofied at a party and the couple who did it knew I had $ XXXX in my bank from the settlement of my house after divorce. They kept me locked in their house in XXXX, drugged, while they stole XXXX everyday and made purchases at different stores. They did finally drop me at a hospital as I almost died. During the whole time I was in hospital they continued to steal my money. I sent the hospital report from XXXX and XXXX XXXX hospital to Navy Federal to prove that it was not me making the transactions. They still refused my claim and 3 appeals. I couldn't walk and i was hooked up to XXXX even to the point i had a XXXX with a XXXX XXXX. I did file a police report but the XXXX XXXX police do not have it on record when I called to request a copy. Nevertheless there are cameras on the arms and stores. They could have seen it wasn't me but more importantly read the medical report stating that I was XXXX and couldn't walk. Why wont they refund my money and pursue justice for what those people did? Please help of you can. Thank you for what you do, at least now I am recovered I can try to pursue a resolution and I thank you so much for giving me a platform to do so. Thank you again, XXXX XXXX.

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