vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-06 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: NV

Complaint narrative:
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Equifax. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and   XXXX    because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by   XXXX   and  XXXX  because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: FL

Complaint narrative:
We are in process of buying a home where this debt continues to be re-reported even though it has been paid to the collection company.      Fox Collection made verbal promise that by us paying the debt, the debt would be REMOVED from all credit b ureau 's. We were very clear that there was NO value in paying a debt and it being marked " paid '' as that only increases my score by   XXXX   XXXX   or  XXXX .     As of today, their negligence to fulfill their end of the agreement made by paying off this debt has again caused my credit rating to drop nearly  XXXX  points. Which additionally, this substantially impacts my mortgage rate.     Furthermore, to-date, they have only marked paid,  XXXX  credit bureau which causes substantial descrepancies in m y credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: MO

Complaint narrative:
I opened an account with Commerce bank. My initial deposit was for the amount of {$450.00}. I then made a second deposit for {$200.00}. I wrote a check for {$90.00}. and one for {$270.00}. and made a withdraw for {$100.00}. Thats a total deposit for {$650.00}. and a total withdraw of {$460.00}. Leaving a balance in the account of {$180.00}. But then the bank decided to shut off my debit card and not allow me access to my remaining funds. I called them to find out what the problem is but the customer service girl just kept repeating that it was at the banks discretion. It does n't make any sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient  will not allow me to even research income-driven repayment plans through their website. When I navigate to the page, it claims I have past due loans and instructs me to call them : however my federal loans are NOT past due. They are deliberately inhibiting me from being informed about my options. Furthermore they are conflating responsibility of federal and private loans : if I do in fact have private loans that are past due, they should not prevent me from receiving information about my federal loans.     I want to remove my federal loans from Navient and service them through someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: NV

Complaint narrative:
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company  XXXX  times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with   XXXX   I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and TransUnion because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

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 2017-05-06 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: NV

Complaint narrative:
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company   XXXX   times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by Experian and   XXXX   because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

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 2017-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
During the last week of  XXXX , I was notified by a credit monitoring company that  Ability Recovery  placed a collection on my credit report. I both wrote to them and filled out the complaint form with CFPB. The only response I received was that I did not provide them with enough information for them to research my complaint and debt validation/verification. I gave them my address, phone number and social security number - the same information they apparently used to gain access to my credit reports. Despite all of this, they are still attempting to collect the debt via placing a negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have repeatedly tried to apply for student loan consolidation, but am repeatedly denied due to an incorrect report from Experian that I have a foreclosure or other negative account.   I have already issued a complaint with them and they claimed to " resolve the issue '', but when I tried to apply for consolidation again, I was again denied due to the same problem. Experian has showed disdain for their willingness to correct their mistake and as a result it is negatively impacting my ability to lower my loan interest.

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 2017-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Total Card, Inc.
State: NV

Complaint narrative:
This is in regards to BOTH a  Total Visa  account and a   XXXX   XXXX   XXXX   account.  XXXX   XXXX  ACCOUNTS!     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by   XXXX   and   XXXX    because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The  Wells Fargo Bank re peatedly place s 7 to 15  day hold when checks are deposited in the savings account by me or others. I believe in this day and age such lengthy hold only serve the purpose of the bank and are not warranted at all times.

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 2017-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
This is in regards to an alleged  XXXX   XXXX  Credit Card, this has not been handled properly by Midland.     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I did not know of this collection. This account happened in middle of  XXXX , It 's  XXXX , The negative remarks by Southwest collection company Does not speak respectfully, attacking me on the phone, I asked for verification because the  XXXX  would not give me membership unless I paid ahead of time. My car would not get fixed so I could not have a membership without a car, Roadside assistance. They report wrong, dates, wo n't be respectful, verify valid account, refuse to send me document 's, address, FAX? They keep attack me as a person on phone, were you live, phone number, question by email, were my email was hacked and fraud deleted information to USDOJ.   Stalking at the law, ID THEFT to collect individuals address, Business address, government websites,  XXXX  &  XXXX ,  Secretary of State business  entities. Abuse of power.     My fico score is damaged, denied credit, loans, etc.     They keep taunting me and I can not get the information, I asked them to mail or FAX but they refused!      SOUTHWEST CREDIT SYSTEM   XXXX   XXXX   XXXX   XXXX ,  XXXX  {$140.00} {$140.00}  XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
-- In   XX/XX/XXXX   the balance due on my   XXXX    XXXX  Credit Card ( billed b y Comenity Capitol Bank )  was {$250.00} and the minimum amount due was {$25.00}. The minimum amount due remained {$25.00} for   XX/XX/XXXX  ,   XX/XX/XXXX  , and for   XX/XX/XXXX ,  XX/XX/XXXX  a nd  XX/XX/XXXX  as the account balance continued to go down each month until it was {$140.00} by  XX/XX/XXXX .     -- So, beginning in  XX/XX/XXXX , believing the {$25.00} would be my monthly payment for the remainder of the balance, I decided to set up an auto payment. I did not plan to use the card or buy anything else as I had recently retired and wanted to pay down the bill. So I set up an auto payment on the account to be paid from my bank for {$25.00} each month by the due date, beginning  XX/XX/XXXX . I had not made and continued to not make any more purchases on this account. However, even though my account balance continued to go down each month from  XX/XX/XXXX  thru  XX/XX/XXXX , in  XX/XX/XXXX , with the account balance now being {$130.00}, they raised the minimum amount due to {$27.00}. Not expecting this as my balance had not gone up, and I had made no more purchases, ( and had on ly one  " fee charged '' -- {$27.0 0} ) m y auto payments remained the same -- {$25.00}.     -- However, because I was now, ( beginning in  XX/XX/XXXX   ), p aying {$2.00} under the minimum due I began to incur {$27.00} " late fees '' each month beginning in  XX/XX/XXXX  and continuing thru  XX/XX/XXXX . These fees are not marked as " late fees '' only " fees charged '' on the itemized part of the bill. In addition, they do not indicate the date they receive your payments on the statement. These  two f actors do not immediately make it obvious when you look at the bill, what is going on. My bills were never late -- only short by {$2.00}. So over this period of time from  XX/XX/XXXX  thru  XX/XX/XXXX  I incurred {$320.00} in late fees by my calcul ations. ( My  bill would have been paid off by now if not for these fees. ) -- I see no reason why the company would increase my minimum payment by {$2.00}, even when my balance was going down. I feel this is a type of scam or taking advantage of the customer, if you will. I feel that they can see you are now paying by auto payment and they believe they may be able to confuse you, if you do n't pay close attention to your bill -- by changing you an amount due slightly over your auto payment and then charge you exorbitant fees for " being late '' on a balance of {$250.00} or less.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: NC

Complaint narrative:
When I was in North Carolina on   XXXX   XXXX   , 2017, I   no ticed my checking account at Comerica Bank had insufficient funds. I located the card with the bank routing number and the full account number because that information was NOT on the documentation the bank sent me. I called customer service on Friday,   XXXX   XXXX   , 2017 to as k about wiring funds into the account. I was told my account had already been closed and the only way to resolve the matter was to send a check. Within two hours I wrote a letter, copied it, and mailed a check for {$160.00} to the  XXXX   ( Texas ) o f Comerica Bank. On Friday,   XXXX   XXXX   , 2017 I re ceived a letter from  XXXX   XXXX   XXXX     XXXX   XXXX  attempting to collect a debt I had already settled and indicating the amount had been reported to  XXXX . My account was open for nearly  25 years before it was closed eleven days before I called to make an electronic funds transfer into the account. C omerica Bank acted in bad faith by refusing to allow me to execute a wire transfer, demanding a check, AND submitting my matter to a collections agency on the SAME day. If the only option for settling the matter is for the customer to send a check, then ample time must be allowed for the check to actually be received before the matter is submitted to a collection agency. I have disputed the charge with the collection agency and written multiple entities of Comerica Bank to communicate my view that the bank 's business practices are unacceptable. I am contacting this federal agency because my husband had a similar experience with a Comerica account he held in Michigan for many years. It is not an accident that a couple married for nearly  26  years would have peculiar experiences with branches of the same bank opened in states as distant as Texas and Michigan. I respectfully request exploration of Comerica Bank 's business practices because they are not clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
After paying off a past debt directly to  XXXX   XXXX   XXXX , I received multiple letters from Convergent date d    XXXX - XXXX -2017.      The first letter is a standard attempt to collect debt, dated ,  XXXX - XXXX -2017, this letter was received on  XXXX - XXXX -2017  and was the first instance.   The next day, I received letter from the same company dated the SAME day,  X - XX -2017 stating, " Based on recent phone with our AGENT, we understand YOU  may have a dispute regarding an account with our CLIENT. '' It is reasonable at this point based on their own provided letters, Convergent a cknowledges an issue exists in the validity of this debt the same day.     As of  XXXX   XXXX ,  2017, my  credit monitoring has indicated that this company has placed this debt to all  XXXX  credit bureau 's even though  XXXX   XXXX  confirms notifying Convergent on or before the mailing date of these multiple letters. This has caused nearly a  XXXX  point drop in my credit rating which has caused severe financial detriment to a pending financial matter.     We have talked with  XXXX  at  XXXX   XXXX   XXXXXXXXXX  on   XXXX - XXXX -201 7 who assured us Convergent is completely in ERROR and should NOT for any reason be pursuing this debt.     Please note this debt was  PAID OFF prior to the original dating of these letters from Convergent. As well, this is causing SIGNIFICANT FINANCIAL impact and Convergent should act swift ly to resolve this immediately.     PROOF of SATISFACTION : PURCHASE AUTHORIZED -  XXXX   XXXX   XXXX   XXXX  FL  XXXX  CARD  XXXX   XXXX   XXXX   XXXX  can be reached directly at,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  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 2017-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAFCO Finance
State: OR

Complaint narrative:
In   XXXX   XXXX  , my then girlfriend and I obtained a car loan together in  XXXX , Oregon. We were notified the lender was NAFCO Finance. Because my then partner had horrible credit, I was needed to be the primary borrower, even though I did n't and do n't have a driver 's license. ( I have  XXXX  relating to a   XXXX   XXXX   and do n't  drive  ) The initial loan was obtained based on her ( ex-girlfriend, her hereafter ) income, housing, as well as my income. I made a  XXXX -dollar down payment about a week after obtaining the vehicle ( which was about a  XXXX  vehicle-since I am not supposed to be too specific ). Just after that, she ( my ex ) ended our relationship, demanded I move out, stole the extra set of keys, and filed what ultimately turned out to be a baseless civil stalking claim ( it was dismissed ). I am in another city, have never driven the car, have n't had access to it, and have n't paid one payment. I have repeatedly sought refinancing from  NAFCO  and her, to which NAFCO ignored the requests and she attempted to label me as a stalker. During the civil case ' hearing, it was introduced she no longer has the same job or income or housing ... so the entire bases for the loan dissolved days after the loan was approved.   She made a number of timely payments. I asked repeatedly for any way to remove my name from the loan, since I had no real interest in it or relation to it. There was no reasonable reason to not refinance it with her ... they had my consent, and she had made payments on time.   In   XXXX   XXXX  , she was over 10 days late in paying her payment, and this adversely impacted my credit.

Company response to consumer: Closed with explanation