vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-14 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:
These accounts are not mines and some are 7 years old or more. 

XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$200.00} Closed XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX - {$3000.00} In Collections/Charge-off The three collection below are not mines and I disputed prior to being posted to credit report. Some have been re-posted to report after being disputed and deleted. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$3800.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention

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 2017-10-14 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 am a victim of the EQUIFAX data breach in that on XXXX XXXX I was made aware of several HARD INQUIRIES that were NOT initiated by me. 

I was given a letter of courtesy by some of the FRAUDULENT Hard Inquiries that have been removed : XXXX XXXX XXXX - Pending, letter confirming backlog of requests to remove fraudulent inquiries. 

Now, I filed an incident report with XXXX XXXX XXXX in California due to the fact that I was told by XXXX until I did so, I they would not remove a HARD INQUIRY. 

Now, they after doing so they still refuse to remove the false hard inquiry which falsely stays on my credit report for 2 years, even though My credit report has been in a FREEZE status for several days now, and to prevent further problems with my credit, there is a fraud alert on all 3 reports. 

XXXX said I had to mail an affidavit to them, which I did and I also mailed a copy of the XXXX XXXX Fraud Complaint to prove the fact that I NEVER applied for credit with them, but they still refuse to remove the false inquiry. 

In closing, even law enforcement said that XXXX never cooperates with their investigations and I have seen first hand that they arrogantly refused to remove this inquiry for a revolving credit application on XXXX XXXX. They refuse to give me a copy of the application for credit which I have been told is my right. 

The reference number for this incident by XXXX is Customer # XXXX I know that my confidential and personal information was compromised. To obtain credit online they have my correct SSN, My Drivers License, and my DOB. They have all been used to attempt to purchase an automobile, over {$6000.00} in furniture, and 9 credit cards have been closed due to fraudulent charges. 

Please help me with XXXX because they are allowing false information to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I filed a dispute with XXXX for a company in XX/XX/XXXX. After XXXX investigated they informed me it was accurate and they updated my credit report to show I opened the acct in XX/XX/XXXX of this year. The collection agency is collecting for XXXX who I currently have service with and when I contacted XXXX they informed me that their system is not showing them an account being opened with them in XX/XX/XXXX with a Balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was paid to write an article for a magazine by a company XXXX XXXX XXXX in XXXX. They sent me the money via their bank XXXX XXXX XXXX XXXX XXXX XXXX from their US dollar account that they have with them. They indicated to me the correct amount in US dollars plus an additional {$16.00} to cover the wire transfer fee. They wired this money to the Bank of America. They said that no intermediary bank was involved. Thus, they indicated that they sent me apx {$480.00}. 

The money I actually received into my Bank of America account was actually {$440.00}, not {$480.00} ( minus maybe a {$16.00} wire charge on their endthus, {$470.00} ), that it was supposed to be. 

Bank of America charged me a fee of {$16.00} from my end for the wire. They said there were no additional fees, and the money they received and put into my account was {$440.00}, not {$470.00}, the amount that it was supposed to be. 

The company and the banks said they did the transactions accurately and that no other fees were / should have been involved. Both indicate that my problem is not on their end, but rather on the opposite end. So, I am stuck or caught in the middle, missing about {$25.00} of my money, which rightfully belongs to me and no one else.

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 2017-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient locks you out of your account after only three tries when you make an error in typing in your info, but you have no idea which error you made. 

That might not be so bad except you ca n't unlock your account unless you call them during business hours mon-fri But working people ca n't take time to spend a half hour on the phone with them during m-f business hours. 

Why ca n't you even call them on a Saturday?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
deposited a valid check for the amount of {$3000.00}. i was told by XXXX XXXX who issued the check that Regions Bank improperly processed the check and treated the check as a cash advance, rather than a check. however, the check was written pay to the order of Regions Bank ; and therefore, it should have been processed as a regular check, as a cash advance could only be given if i cashed the check at the Regions Bank branch with the check made out to me or to " cash ''. this was not the case. Regions improperly returned the check to XXXX without crediting the funds of {$3000.00} to my account, as they should have, thereby causing me injury, damages, damages to my reputation and relationship with third parties who were consequently affected by Regions ' malfeasance.

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 2017-10-14 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: SC

Complaint narrative:
I have sent four letters to Equifax credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified four accounts each time equifax mail me my dispute results alway say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Equifax have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Equifax is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I received my new account statement from Sunoco. The new balance they were charging was more than my actual gas purchases that were showing on my statement. On XXXX I bought {$23.00} worth of gas, XXXX {$12.00} worth of gas, on XXXX {$23.00} worth of gas. Those transactions totaled {$58.00} plus a {$2.00} fee for I do n't know what. They showed my new balance as {$76.00}. I called on XXXX XXXX to ask why this discrepancy. She said I have another gas purchase of {$16.00} that I made on XXXX. I said well why is n't that XXXX then showing on my statement. She said it 's just the way the statement cut off. That charge will be on next month 's statement. I feel that if they 're charging me for something they should be showing that charge on my statement. I 've been trying to pay off my balance every month to avoid interest payment, now this extra charge is just enough to prevent me from doing that this month. I do n't think it 's right. Citibank is the owner of this Sunoco account.

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 2017-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I recently looked at my credit reports and noticed that XXXX/XXXX XXXX XXXX .... reported negative marks 30 DAYS LATE on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

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 2017-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient instructed us to place student loans in forbearance when my wife lost her job, knowing they would still be able to charge us interest on all the loans which amount to over $ 100K. They never informed us of other options, only instructed us that was the only option. 

They allowed this practice to take place of over a year, which only increased the amount that we now owe. This took place throughout XX/XX/XXXX and XX/XX/XXXX. When we were no longer able to place the loans on forbearance we were then instructed on income driver repayment plans which is convenient for Navient seeing as they charged interest on $ 100k+ for over a year at an average rate of 8 % -10 %. 

Fast forward to now, my wife is still out of a job due to childcare needs and we are in a income driven repayment plan that I more then we can handle, which was explained over the phone to Navient but they did n't care. Navient refused to take into account other student loans, medical bills and at the time a mortgage. We have since sold out house and moved in with family, a family of XXXX living in the basement of their parents. This could have been avoided if Navient were flexible and straightforward with our options. 

Navient is all over the news for this practice, we to have fallen victim to their practices of forced forbearance. Our credit scores have been affected as well because the ever changing practice of how the accept payments. After setting up a repayment plan Navient conveniently set up the payment date to take place AFTER the loans were due, proceeded to then charge late fees and report the late payments the credit agencies. 

I write this now as our repayment plan will need to be reevaluated this month with Navient, a process that I know will take weeks of constant phone calls only to find out that they do n't care about how we live our life, only how much money they can steal from us. 

I would like to be added to the open Navient law suits, my family is a prime example of the scams Navient has burdened its customers with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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:
I settled 3 XXXX card accounts with a collections agency around on XX/XX/XXXX of this year. None of my reports updated so I submitted a dispute with all 3 bureau 's. XXXX  and XXXX updated my accounts within a week of my dispute as they verified with the collections and XXXX that my accounts were paid for and had no outstanding balance. 

Equifax on the other hand closed my investigation saying XXXX reported to them that I still owed money. I have paperwork mailed to me from XXXX saying the accounts are paid off as with the collections agency paperwork saying the same thing. The other two bureau 's verified this information. I also faxed my documents to Equifax. When I was told I still owed money, I asked if they had seen the paperwork I faxed. The lady had not and did not even know i faxed them anything. It appears that Equifax either did not do an investigation or is lying. I had to initiate a re-investigation with Equifax. I am not confident in this re-investigation as they seem to be grossly incompetent. I do not trust them to handle the simplest of tasks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: MD

Complaint narrative:
I had identity theft on my credit report. I sent all of my information to all three credit bureaus with a XXXX attached to my police report. I do know that the bureaus have up to 5 business days to delete the invalid information. TransUnion is refusing to delete the information that does n't belong to me. I am requesting that TransUnion immediately deletes the fraudulent information on my credit report, they now have had my police report for 3 weeks now. XXXX and XXXX deleted these fraudulent accounts on my credit report with no problem. There are 5 accounts in collections that do not being to me. They need to be removed immediately. I have also made a complaint in here in XX/XX/XXXX about the same companies and the collection agency never sent me anything to show any proof that I am the owner of the account

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 2017-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
Manager from XXXX collections was very rude and unprofessional ca n't negotiate with him because I live in XXXX in Massachusetts and want to do a 80 % off of {$1500.00} to be settled and have letter for proof, that payment was made and paid in full. 

But manager was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the account was mine. Account was then placed 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 2017-10-14 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:
The following address is fraudulent and appears on all my credit reports. Needs to removed and investigated for any fraudulent activity. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MISSOURI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: FL

Complaint narrative:
The following address is fraudulent and appears on all my credit reports. Needs to removed and investigated for any fraudulent activity. 

XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX  MISSOURI 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 2017-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
From XXXX XXXX to XXXX XXXX, I was unable to make the $ XXXX payment needed to keep my account active. XXXX XXXX and Navient reccomended at every opportunity to enroll me in forbearance and at some points told me I did not qualify for lower payments nor the public service loan forgiveness program despite working for a non-profit. I was able to learn more about the public service loan program and submitted the application and paperwork however it never arrived at Navient. Last month ( XXXX XXXX ) their stance has completely reversed and was informed of better repayment options through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Freedom Mortgage XXXX. XXXX XXXX XXXX, TX XXXX On XXXX/XXXX/XXXX Freedom Mortgage automatically deducted an additional {$870.00} from my checking account BUT the additional withdraw was not applied to my account. They are unaware of any deduction, where it went to, or how to reverse the withdraw.

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 2017-10-14 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: FL

Complaint narrative:
Rec, d notice of change in credit report.was advised to call XXXX After explaining to foreign accent agent and repeating info etc was told to call XXXX which was not real person or ability to talk to one.The choices offered did not seem to meet my needs.Waiting for other options, was cut off. 
Called original number back and asked to talk to supervisor whose first language is English.Initially was strongly resisted but eventually put on hold. 


The Equifax people have damage me, causing me great angst, repeatedly wastes my time and gives no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Analysts of MN, Inc.
State: ME

Complaint narrative:
i have had a collection agency, " XXXX XXXX XXXX '', who has misrepresented my debt. Originally the three debts appeared as roughly {$800.00}, {$900.00}, and {$600.00}, but now they have combined the three into one for {$2400.00}, yet left the three uncombined on my report as well. This is illegal and i demand all 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