vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been call by XXXX XXXX XXXX on several occasions before XXXX PT. The latest being today XX/XX/2018 at XXXX. No matter how many times I tell them to stop calling me at that hour, every few.months they do it. 

XXXX XXXX  is located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-21 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: MI

Complaint narrative:
My student loan account is reporting late for period I was in forbearance. I have contacted Equifax numerous times to get this issue resolved, finally I had to contact the State of Georgia Attorney General 's office. I got a letter back from Equifax stating my late payment history would be removed, date XX/XX/XXXX ( letter is attached ). I waited over a month to see the information updated on my credit report however it was not. I contacted Equifax in the XX/XX/XXXX and talked to a rep, named XXXX, said he saw the dispute and did not know why it wasn't updated but all he could be is open another investigation. I also informed me that Equifax does have my forbearance letter PROVING my account was in forbearance during the period its reporting late. I just received my results back from that investigation and again Equifax did not correct that error. They only update misc information. I have attached a copy of the results and highlighted that they did not correct the error. I have an letter from Equifax stating this would be updated and admitting it is incorrect information on my credit report. This is a direct violation of the FCRA since they are knowingly reporting incorrect. information after acknowledging that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/18 I contacted Transunion about some credit inquiries and the company will not dispute my complaint after I explain to them several times that I did not authorized several hard inquiries on my 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 2018-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/18 I contacted XXXX  about some credit inquiries and the company will not dispute my complaint after I explain to them several times that I did not authorized several hard inquiries on my 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 2018-10-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I submitted a payment on XXXX to pay off Loan XXXX Stafford - Subsidized with the amount of {$1300.00}. 

On XXXX, Navient attached an additional balance of {$430.00} to the loan amount with no explanation as to where the new balance is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: 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 2018-10-21 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: TX

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 2018-10-21 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: WA

Complaint narrative:
To Whom It May Concern, In multiple attempts with Experian, I have submitted disputes across 8 accounts that were included in a Chapter XXXX bankruptcy that was filed in XX/XX/2016 and subsequently discharged in XX/XX/2016. These accounts were in good standing with no late payments up to and including the time of the bankruptcy. Experian continues to report these accounts as " Charge Off '' in the payment history which does not accurately reflect that state of these accounts. 

Under the Fair Credit Reporting Act ( FCRA ) of a credit bureau report of an account that has been discharged in bankruptcy as " charged off as bad debt. '' We acknowledge receipt of your request, pursuant to the Commission procedure set forth in 16 C.F.R. 2.2 ( a ), for an investigation of the credit bureau. 

Section 607 ( of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " charged off as bad debt '' if the account was open and not charged off when the consumer filed bankruptcy. Such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

The latest dispute reference number is XXXX. 

Sincerely yours, 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 2018-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc.
State: AZ

Complaint narrative:
This was paid by insurance.I never got a bill from them.How can it be reported and sent to collections if I never got a bill for anything.I live in another state and this is from Washington.The amount they are claiming I owe is XXXX.This is wrong.It don't pay to get medical help when your from out of town. You get ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I had an invoked power of attorney over my father who was deemed XXXX  early in XX/XX/2018. I made dozens of calls to NFCU overseeing his accounts to prevent any more fraud and theft from occurring. I had a valid POA in place and the very person who had abused him financially was then allowed to take over his financial through a fraudulent document and phone calls by manipulating the system/him and calling in saying he wanted my valid POA to be revoked and to place her in control. They went with the criminal activity all along, which in essence is aiding and abetting crime. He was XXXX by two medical doctors, in a locked XXXX unit, and had no ability to make XXXX XXXX. NAVY FEDERAL should have protected his accounts by not allowing the theft to occur as I gave them all evidence prior, during and after the fact. I have continued to fight to get this money back that was stolen from my father and that NEVER should have been, had Navy Federal done their job. There is no way his financial documents should have been taken over and diverted, period. There is no question as to the FRAUD that took place. He was XXXX! My power of attorney was invoked to protect him. They not only did not protect him but have given me the runaround for the past 7 months trying to dispute this. Credit Union NAVY  FEDERAL CREDIT UNION Desired Resolution They need to take responsibility for allowing a XXXX XXXX   adult who was in a locked XXXX to be the victim of upwards of {$20000.00} in theft by a known perpetrator. They need to refund his account as they ALLOWED the theft to occur. They did not do their background check and erroneously took part in this crime and argue that he should be held responsible. 
While this is not technically Identity theft per se, it is similar, as the person who stole form the account holder impersonated herself as some one who should be given the POWER of Attorney under false pretenses. She knowingly and willingly knew she was not to touch any of his financial accounts. She had just been deemed to have exploited him in a state investigation for elder abuse. This was all conveyed to the NAVY FEDERAL credit union, along with phone numbers and documented paperwork. She in no way had any notarized power of attorney, had not revoked mine and no authority to take over his funds and steal from him. The fact that NFCU is in my opinion a crime, as I worked tirelessly to protect him and what they did is not only help the perpetrator but force me to get an emergency court injunction, adding thousands of dollars in legal fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: 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 2018-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I just got my first free annual credit report and found that someone opened up like 5 credit cards under my name and there were a bunch of other things that i'm not aware of that appeared on the credit report.. I think they were the guy trying to get credit cards from other companies but getting denied by them ... idk what to do can you please help me asap..!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-21 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:
Experian is the problem. I am a victim of identity theft. I submitted to them a police report and an FTC Identity Theft Report detailing the fraudulent accounts. 

Experian is refusing to remove a fraud account from XXXX credit card. 

XXXX is the account number in Experian and it shows {$4500.00} Both XXXX   and XXXX have followed the law and removed this item after I submitted a police report about identity theft as they should. 

Experian will not follow the FCRA and remove and block the item with a police report. 

I then did a credit freeze on my Experian account. Experian responded by notifying me via email that they were raising the price of my account. I believe they are retaliating for me freezing my profile to punish me. I was upset and decided to cancel my account. 

I proceeded to try to cancel my Experian account, and ran into more fraudulent activity from them. While my profile online clearly states my membership status, fee and billing date, they do not allow you to cancel online in a convenient way. Their automated phone system would declare that I had no membership and would hang up without letting me cancel. I called several numbers listed on their website and always was directed into a dead end automated system with no human available as an option. They do this to prevent you from being able to cancel and keep billing you. I finally had to choose an option about a child and identity theft in order to get to a person, and it was a person in an office in XXXX XXXX named XXXX who finally was able to cancel the membership for me.

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 2018-10-21 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: TX

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 non-monetary relief
Consumer complaint received 2018-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/18, opened two accounts, one savings, one checking at Chase bank branch in Washignton, DC. At time of opening, a new account bonus code was provided, which banker said was invalid. Banker advised that I could obtain a new code, provide it within 10 days, and it would be no problem to apply it to the account. The code offers a financial incentive if certain conditions are met. On XX/XX/18, provided via email a new bonus code and was advised on XX/XX/18 by banker code was invalid. Upon review, I noticed a typographical error in the emailed bonus code and immediately replied to banker with the correct code and the photo of the code. To date, I have not received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Eagle Accounts Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX Child Support is charging me childsupport FOR NO REASON WHEN MY DAUGHTER IS LIVING WITH ME " NOT THE MOM " I spoke to childservices and they claim that even thoe my daughter XXXX XXXX is Living with me " XXXX XXXX '' that they cant stop or cancel that CS case. also i am a victom of identity theft. i found out someone has been using my SS # since i was a minor. i found this out when i got my first job at XXXX at XXXX XXXX XXXX Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: WA

Complaint narrative:
On XX/XX/18 I set up an automatic payment plan on my debt for {$130.00} a month on my credit card. With CMRE debt collector 's. On XX/XX/18 I called and made and offer to pay off debt in full. 
The company accepted. Two days later they charged my credit card again for {$130.00}. I called again and they said it was to late to atop automatic charge and debt paid in full but now it was for the full amount not offer in compromise. 
I asked if this was going to happen again next month, they said we are professionals of course not. 
Today XX/XX/2018 guess what there is a charge for {$130.00} on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: DISCOVER BANK
State: CA

Complaint narrative:
XXXX is the problem. I am a victim of identity theft. I submitted to them a police report and an FTC Identity Theft Report detailing the fraudulent accounts. 

XXXX  is refusing to remove a fraud account from Discover credit card. 

XXXX is the account number in XXXX and it shows {$4500.00} Both XXXX   and XXXX have followed the law and removed this item after I submitted a police report about identity theft as they should. 

XXXX  will not follow the FCRA and remove and block the item with a police report. 

I then did a credit freeze on my XXXX account. XXXX  responded by notifying me via email that they were raising the price of my account. I believe they are retaliating for me freezing my profile to punish me. I was upset and decided to cancel my account. 

I proceeded to try to cancel my XXXX  account, and ran into more fraudulent activity from them. While my profile online clearly states my membership status, fee and billing date, they do not allow you to cancel online in a convenient way. Their automated phone system would declare that I had no membership and would hang up without letting me cancel. I called several numbers listed on their website and always was directed into a dead end automated system with no human available as an option. They do this to prevent you from being able to cancel and keep billing you. I finally had to choose an option about a child and identity theft in order to get to a person, and it was a person in an office in XXXX XXXX named XXXX who finally was able to cancel the membership for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank N.A. charged my credit card for services and fees that have been deemed at the time of charge as illegal and unfair practices to bill consumers these types of Fees. They have also overcharged interest fees as well. This illegal activities has been already decided in XX/XX/XXXX. My initial inquiry to Citibank was at XX/XX/XXXX, and my credit card had been open in XX/XX/XXXX. The years of Citibank 's deception and illegal practices in charging consumers illegally was from consumer credit card, etc., from XX/XX/XXXX - XX/XX/XXXX.  There are other acct numbers which were from the same account and the last digits are as follows : XXXX ; XXXX ; XXXX ; XXXX, etc. A few cards were supplied with different numbers over the years and changed due to security reasons ... The whole account is subject to a review. I have asked many times and filed complaints many times over the years. This company dragged their feet on the initial claim, and then did not respond to future inquiries. I have much more information that I can send you with all the billings, and I have much of the information. I am missing a few years 9of info in earlier years, but I have been trying to get additional info from Citibank NA and they are now non responsive

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 2018-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
This collection was disputed and also deleted on off of my credit file on XX/XX/2016 but keeps reappearing. I have never done business with Midwest Recovery. I do not have a signed contract nor any contract with Midwest Recovery. I am not liable for this collection from Midwest Recovery. Please validate this debt with Midwest Recovery and myself. An alleged bill from another company or alleged e-signature provided from another company is not proof of validation of a debt and is not suffice. Midwest Recovery failed to notify me BEFORE placing this alleged debt onto my credit report which is a FRCA violation. This violation can result in a {$1000.00} fine. All communication is to be through this portal. Midwest Recovery does not have permission contact me by e-mail, phone, or US Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DIRECMANAGEMENT, INC.
State: GA

Complaint narrative:
I've had tried to contact Direct Management Inc., on numerous occasions concerning ( 2 ) debts in which I have no knowledge. I have requested debt validation and/or contract agreements between Direct Management Inc. and myself, but they have failed to provide them. One one occasion an account was removed from credit file and now has re appeared. They have illegally scared my credit and violated my rights under the HIPPA Privacy Act. Please help me to resolve this matter promptly. Direct Management Inc. is running and illegal service under HIPPA 's guidelines.

Company response to consumer: Closed with explanation