vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I owed money to a credit card company called XXXX XXXX in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE XXXX XXXX AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I owed money to a credit card company called XXXX XXXX in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE XXXX XXXX AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.

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 2017-09-27 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: PA

Complaint narrative:
On XXXX XXXX, XXXX, A XXXX salesperson came to my home. He was offering a deal to switch my cable company to XXXX XXXX. I told the salesperson, that " only if they would not put a hard inquiry on my credit report, would I agree to sign on with XXXX XXXX. '' He assured me this would not happen, because there would be other ways to get my application approved. He then contacted his supervisor, who again assured me, " there will not be a hard inquiry placed on your credit report. '' On XXXX XXXX, XXXX I checked my credit report, and there were XXXX XXXX XXXX inquiries on my Equifax report. On XXXX XXXX, XXXX, I called XXXX credit department and voiced my displeasure about the inquiry. I was told that an investigation would be launched to find out what happened. I was told this would take XXXX days, and I would be notified of the results. I sent a certified letter on XXXX XXXX, asking about my complaint, and did not receive any response. I called and spoke with a XXXX XXXX XXXX supervisor credit dept. ), on XXXX XXXX, XXXX. XXXX XXXX assured me that my investigation was happening and it would " take a few more days. '' On XXXX XXXX, ( after XXXX hours, and XXXX different dept. referrals ) I was told that there was no record of any complaint by me, and there was n't anything that could be done, because XXXX only uses hard inquiries on all credit applications. I told the customer service person, that this was done fraudulently, and that my inquiry should be removed, He again stated, that XXXX only does hard inquiries, and a " training '' could be given to the employees who sold me the account. I am asking for assistance from the CFPB in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit One LLC
State: IA

Complaint narrative:
I received a notice in the mail on XXXX/XXXX/XXXX, which was dated XXXX/XXXX/XXXX from Creditone, L.L.C.  stating they were the current owner of my account and would like to offer me an opportunity to resolve the account for less than the total amount due. Stating the amount due was {$2300.00} and that they would accept payment of {$350.00} to satisfy the account, or monthly payments of {$32.00} per month under an agreed plan. I called to dispute, and after verifying my name and last four digits of my social security number, they said it was for a furniture purchase in XXXX. I said I have never purchased furniture on credit, so it was not my debt. They said they would request the original documents and send them to me in 6-8 weeks to see if I recognize the debt. Again, I stated that I have not purchased furniture on credit, and would remember if i did, so I am disputing this clam. The man said there was nothing I could do and I would have to wait for the documents, which would take 6-8 weeks. After the call, I realized that this was past the 10 year statute of limitations in Iowa, and not only was it not my debt, they had no legal recourse to try to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America Visa XXXX was stolen and was used fraudulently three times at the XXXX XXXX in XXXX CA ( Store # XXXX ). I reported it immediately to Bank of America and so they cancelled the card right away. However, the fraudulent user was still able to use it and successfully charge three {$4000.00} charges at the XXXX XXXX for a total of {$12000.00} Bank of America told me that I was not responsible for the charges since I have " Fraud Protection '' on my credit card account. However, when I received my statement, there was a total of {$12000.00} charges on my account. 
I reported the theft incident to the XXXX Police department, and XXXX XXXX XXXX ( Badge # XXXX ) filed a police report and assigned it a Case No. XXXX. The XXXX police department is currently investigating the incident and I am waiting for the results of their investigations. 
In the meantime, Bank of America is requiring me to pay the {$12000.00} total fraudulent charges on my XXXX account. 
Please advise and let me know what steps I need to do in order to alleviate this responsibility of paying the fraudulent charges made on my XXXX card. 
Call or email me at XXXX / XXXXXXXXXXXX Please see attached bank statement history and letters from BofA, as well as the information on the police officer doing the investigation. 
Thank you for all your help. 
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 monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
When I attempted to get my annual credit report, all THREE reporting agencies stated that online credit reports are not currently available and they provided a phone number to call or recommended writing a letter to receive the my credit report ( after completion of the request form ). I believe the law requires easy access to an individual 's credit report annually but the current behavior of the reporting agencies creates a barrier to individuals who attempting to review their credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I had medical issues that I had to be addressed by a doctor. However bill was not billed correctly. I have been on XXXX for 3 years and have papers to prove this alone with medical cards from XXXX county. Professional finance XXXX XXXX. My medical card from XXXX date XX/XX/2014 department of health care number is XXXX also issued from XXXX county.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
CBNA inquiry posted as a hard inquiry on XX/XX/XXXX.This inquiry was posted on my XXXX credit report. Ccb/ppc did the same thing on XX/XX/XXXX and it 's on my XXXX credit report still showing as a hard inquiry. I have n't given either my permission to run a check.

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 2017-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: MD

Complaint narrative:
XXXX 2017 I received a phone call from a debt collector indicating that I have an outstanding balance from a medical service. I asked for them to send a notice of the debt and where it came from but I never received it. I have no knowledge of this debt therefore, I want this removed from my credit report immediately.

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 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
32 days ago I mailed Security Credit Services a notarized debt validation letter for an account which is on my credit report. Based on certified mail tracking information from the United States Postal Service this letter was delivered and left with an individual. 32 days have passed, and Security Credit Services has neglected to respond to my debt validation letter. In addition, Security Credit Services forwarded this account to the credit bureaus without first notifying me of the account and my right to dispute the debt within 30 days. Security Credit services has violated two laws outlined by the FDCPA and this account remains on my credit report unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this discover account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have wrote Equifax several times about the Chapter XXXX Bankruptcy on my credit report. Requesting for them to provide me with proper documentation bearing my signature. I ask for validation. After, numerous attempts along with writing the CEO of Equifax, Equifax removed the Bankruptcy off my credit report. Now, after the Hacking of Equifax system I discovered that the item has been reinserted on my credit report. In accordance with the requirements of the section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCB Credit Serivces, Inc
State: AL

Complaint narrative:
XXXX inquiry posted as a hard inquiry on XX/XX/XXXX.This inquiry was posted on my XXXX credit report. Ccb/XXXX did the same thing on XX/XX/XXXX and it 's on my XXXX credit report still showing as a hard inquiry. I have n't given either my permission to run a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I get an upwards of 8 to 10 phone calls every day from them, they will not work with me and they call every hour if not multiple times in the hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear Sir/Madam, I 've met the sign-up purchasing two months ago, and yet my bonus XXXX XXXX points are still not in my account till now. I 've contacted AMEX a couple of times but the issue has n't been resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this XXXX account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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 writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this XXXX account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security 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 non-monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently placed an initial fraud alert on my Equifax credit file online because I came to know from Equifax website that my personal information may have been impacted by the Equifax hack. Since I placed the fraud alert I had a right to get a free copy of the Disclosure of my credit file. After placing the fraud alert online I tried to get a free online copy of my Equifax credit file to make sure I was not a victim of identity theft. I got an error message stating that my credit report was not available online. I then called their automated phone system XXXX XXXX XXXX to get my free credit report. I entered all the required information and at the end I was informed that since Equifax had already sent me the free Disclosure of my credit file I can not get my free credit report. I never received the free Disclosure of my credit file from Equifax as of this date. I also tried to contact them by calling XXXX XXXX. This was also an automated ordering system which did not solve my problem I then called XXXX to speak to their customer service representative. No one was answering the phone and I got a busy signal. 
I also contacted them by email on their website, explained my problem and requested a free copy of the Disclosure of my credit file and gave them my email address to contact me. No one replied and there was no acknowledgment from Equifax. 

Since I placed an initial fraud report I should get a free Disclosure of my credit file from Equifax. It is very important to get this as soon as possible so that I can take the necessary steps in case of fraud or Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I have been disputing this debt for the past six months with no resolution. On XX/XX/XXXX I first requested validation of the debt. They responded XX/XX/XXXX with an itemized bill which does not validate a debt under the FDCP. I pulled a subsequent credit report on XX/XX/XXXX it was not marked as disputed, they were once again in violation. On XX/XX/XXXX I then requested the entry be removed from my credit report because they did not mark the entry as disputed within the allotted time. They responded by saying " we have previously provided you with verification of the debt ... there is no duty to provide it multiple times and will not respond to any further requests ''. I tried to restart the dispute process and sent a " request for validation '' letter on XX/XX/XXXX. They responded yet again with an itemized bill. RMP has failed on multiple occasions to " validate '' this debt. If they can not validate this debt it needs to be removed from my credit file because I am trying to obtain a mortgage and this non-validated account is harming my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are inquiries on my credit that I did not authorize I am a victim of identity theft and need these removed this has been so much trouble and problems 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 2017-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV Funding received notice the end of XX/XX/XXXX advising that the account that was in their possession was not opened by me. It is now XX/XX/XXXX and they refuse to remove the account. I have been negatively affected and denied for product due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: IL

Complaint narrative:
Ive paid almost XXXX dollars into the vehicle and they say I still owe XXXX on the vehicle the vehicle was only XXXX at the time of purchase the appraisal amount I was offered was XXXX. NOT TO MENTION REPLACES.

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 2017-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: PA

Complaint narrative:
XXXX bought a 3 year old debt from XXXX XXXX and reaged it as a new debt dated XXXX2017, I have disputed it but the credit bureau said it met the fcra regs.

Company response to consumer: Closed with explanation