vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a CitiBank Credit card. CitiBank turned me down due to FALSE information of a bankruptcy and unpaid credit accounts. 

I contacted CitiBank repeatedly and CitiBank swears that the info they have in their data base about me is correct, for a Bankruptcy and credit unpaid accounts going back to 1993. No one ever sent me any collections information. It has never gone to the credit bureaus. I then complaint to corporate and a so called employee from so called executive office, insists that the records they have are mine. And when I applied for a card for my son ; since, I'm his administrator, XXXX reported me to the Department of the Aging for Financial abuse against my son because I caller not very smart. The Department of the County of XXXX XXXX and myself wasted a week trying to take care of such false report by CitiBank. 

I have a Sears CitiBank Credit Card also.

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 2019-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. The original loan maturity date was XX/XX/XXXX. I feel behind on payments but eventually caught up and made all payments and paid the vehicle off in XX/XX/XXXX by sending a payment of {$1800.00}. We contacted XXXX XXXX which is now Bridgecrest about obtaining the pink slip. Bridgecrest claimed we owe {$5900.00} in unpaid interest. We explained to Bridgecrest that this can not be possible because whenever I made a payment I made the full payment plus the late fees that were added per their websites listed amount due. After making a few additional calls to the company, we were eventually told we can not locate you account. I am trying to purchase a home and when I ran my credit, I discovered that Bridgecrest had reported the account to all three credit bureaus as a charge off. Ive made multiple attempts to resolve this issue through Bridgecrest to no avail. I would like my pink slip and the account properly reported to the credit bureau as paid in full.

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 2019-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received a Notice of a Summons on XX/XX/2019 tapped to the front door of my apartment. I was never nor was anyone in my home given these papers. I never received the summons in the mail. The sum amount is {$4100.00}. There is no date on this paper for which I am suppose to go to court.

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 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I received a phone call from Portfolio Recovery Associates about the debt that is no longer on my credit and it is has been removed. They continue to call me and harass me at work and on my cell. They need to update their information and stop harassing people for no reason. My credit is clear and I do not owe anything to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 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: FL

Complaint narrative:
XXXX Account is reporting incorrect on credit file. Experian was sent documentation from XXXX> The account went 30 days past due 7 years ago, then 60 then 90 ... Experian has failed to correct my file although I sent them a letter from XXXX. They have failed to properly address my complaint and also have blocked me from disputing online. I can not dispute anything online although I pay for their service. XXXX and XXXX corrected the account Experian merely ignores my request. The account 's history is 7 years old and the history should have dropped off with the Chapter XXXX. In any case the other bureaus corrected it when I submitted the letter.

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 2019-06-05 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I RECEIVEDA CALL FROM A COMPANY THAT SOMEONE MADE A PURCHASE FROM THEM AND THEY SUSPECTED FRAUD. THEY SAID THEY WERE CANCELLING THE TRANSACTION AND CREDITING MY ACCOUNT FOR THE {$1100.00} DOLLARS. I LOGED INTO MY CREDIT CARD ACCOUNT AND FOUND THAT THERE WAS ANOTHER CHARGE FOR {$440.00}. THIS WAS ON XX/XX/XXXX. I CALLED THEM ON XX/XX/XXXX AND REPORTED THIS FRAUD. THEY SAID I WAS NOT LIABLE. THEY ISSUED A NEW CARD AND ACCT. NO. BUT TRANFERRED THE {$440.00} TO THIS CARD. THE BALANCE IS STILL THERE. I THINK THEY WANT ME MAKE PAYMENTS. THEY REFUSE TO PUT THIS ON HOLD. WHY DO I HAVE TO MAKE PAYMENTS ON FRAUD. 
WHY DID THEY NOT CANTACT ME WHEN THESE TRANACTIONS WERE MADE? 
THERE WERE NO BALANCES ON THIS CARD. I HAD NOT USED THE CARD SINCE XX/XX/2018

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 2019-06-05 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: MN

Complaint narrative:
Identity theft victim. XXXX and this stress has taken a toll on my XXXX due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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:
Equifax reported bankruptcies on my credit report. I requested the description of the procedure used to determine the accuracy and completeness of the information within 15 days. Also, I requested the name, address, and telephone number of each person contacted regarding these accounts. I formally requested any documentation bearing my signature. Any automated response or XXXX verification is unacceptable. I received a response stating bankruptcies were verified but no documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
Diversified consultants recently removed this credit reports back in XX/XX/2018Diversified consultants has re-aged this account which against the law as stated in Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: MN

Complaint narrative:
I have submitted my identity theft package over several times and nothing has been updated on my account. I am XXXX and this is XXXX me out along with my baby.

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 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
THIS DEBT WAS PUT ON MY CREDIT FILE ... I DONT KNOW HOW IT GOT THERE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: FL

Complaint narrative:
I sent a letter to XXXX XXXX/ equifax/ XXXX XXXX XXXX/XXXX XXXX XXXX/ XXXX XXXX/ XXXX/ XXXX XXXX on XX/XX/2018 requesting to remove the inaccurate accounts of my credit report. amounts are XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019, I ( XXXX XXXX ) received a call from caller ID Vermont, phone number XXXX, saying he was calling from the social security office. He said he knew my social security number ( and he did ), and said that others had used my social and I was in trouble becuase of what they had done. I then received a call with Caller ID XXXX Precinct. He told me i had better cooperate with the social security caller or i would be arrested. 
I was instructed to wire all my money from my bank, Chase Bank, to XXXX XXXX XXXX, and I was given an acct name and acct number and routing number. In a panic i went to Chase and wired the money, all {$18.00}.  that I had, all the money I have in the world. Chase saw my panic. Chase knows about phone frauds and scams. But Chase didn't say a word and even now Chase is not helping me to get my money back. 
XXXX XXXX XXXX phone : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a notification from XXXX XXXX on an account ending XXXX that Equifax, XXXX, and XXXX reported the account as fraud. Causing XXXX XXXX to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This XXXX XXXX account was not among the disputed accounts ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: FL

Complaint narrative:
Fraudulent accounts are reporting own my credit report XXXX/XXXX  XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-05 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
THIS DEBT DOES NOT BELONG TO ME, I HAVE NEVER HEARD OF THIS COMPANY BEFORE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I called and spoke with Navient about my student loan. The interest rate keeps going up and it is getting to the point where it is almost too hard to pay. Plus, I will be out of work for a month starting next month. The lady said that I was not eligible for a rate reduction based on my income and didn't offer me anything except for a forbearance for up to 3 months. I asked her if interest would continue and she said yes. I asked her if my payment would go up at the end of the 3 months when repayment would start. She said yes. I explained to her that it was kind of pointless to do a forbearance if the loan amount was already getting too ridiculous to pay and it would go up which would make it even harder. She said I may could apply through the credit bureau 's at a later date, but at this time I didn't qualify. She did not explain why as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX reported bankruptcies on my credit report. I requested the description of the procedure used to determine the accuracy and completeness of the information within 15 days. Also, I requested the name, address, and telephone number of each person contacted regarding these accounts. I formally requested any documentation bearing my signature. Any automated response or XXXX  verification is unacceptable. I received a response stating bankruptcies were verified but no documentation.

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 2019-06-05 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:
THIS DEBT DOES NOT BELONG TO ME, I HAVE NEVER HEARD OF THIS COMPANY BEFORE

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 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received biweekly ( payday ) excessive insufficient fund fees on bills paid by phone to several merchants for the past three years each time I received my payroll check that was linked to my T.D. bank checking account. I opened and closed accounts because it seem that I was being nickeled and dime as if someone was stealing from my account and accumulating a penny fortune as in penny stocks. I can not prove this fact but the time line for clearance thru merchants I paid concurred the corruption time line, for example ; certified mail, priority mail, pay by phone mostly and providing basic identifying information by phone that I provided to pay or purchase a product was misused perhaps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I disputed an account with Transworld and they provided me with a document which is not a contract or anything that legally shows that I owe the amount {$310.00}. Please provide contracts, copies of actual bills and a copy of Transworld to legally bound to collect anything on behalf of this account -I do not believe this account belongs to me-

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
THIS IS NOT MY DEBT.. I DONT KNOW ANYTHING ABOUT THIS LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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:
These Fraudulent accounts are reporting on my credit report XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received a notification from XXXX XXXX on an account ending XXXX that XXXX, XXXX, and Tranunion reported the account as fraud. Causing XXXX XXXX to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This XXXX XXXX account was not among the disputed accounts ...

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 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received a notification from XXXX XXXX on an account ending XXXX that XXXX, Experian, and XXXX reported the account as fraud. Causing XXXX XXXX to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This XXXX XXXX account was not among the disputed accounts ...

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 2019-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a notification from Capital One on an account ending XXXX that XXXX, XXXX, and XXXX reported the account as fraud. Causing Capital One to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This Capital One account was not among the disputed accounts. Capital One is allowing known mistakes like this rather than contact the customer. Looking on the internet reveal that Capital One is well aware of this issue with the credit bureaus. Why is Capital One not requesting a copy of the customer fraud claim from the credit bureaus. It's took UNVERIFIED action against me ... And that without a call to me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
XXXX XX/XX/XXXX I made an withdrawal from my savings account in the amount of {$1000.00}. On XX/XX/XXXX I attempted to withdraw {$1000.00} available funds from my same account, on several attempts of attempting to withdraw the funds, they were not made available, unknown reasons, but not NSF. On that same day, I called NFCU customer and spoke with supervisor XXXX, which she did not identify a reason for the savings account error. After XXXX verified the funds, she manually lifted the savings account error. On XX/XX/XXXX I was made aware that my account was overdrawn. I do not understand how it is possible for my savings account to become overdrawn, NFCU has not cooperated.

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