vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am contacting your company because I am a victim of identity theft there was an account opened in my name that I was not aware of nor did I have knowledge of and I want it removed from my credit report at once because it is fraud and does not belong to me OTHER LOANS XXXX/XXXX  Reported : XX/XX/2018 + {$220.00} Closed Remove this account because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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 have submitted documents of proof of payments and proof of merchants stating the accounts have been paid as agree and Equifax will not remove duplicate inquiries or collections that have been paid and or disputed. In turn for this reason they will not raise my credit score which is reflecting that I am a high risk or have a high number of unpaid accounts or late payments.. None of which is true.. I have not been able to get approved for a loan or I am only offered high intrest rates and I have to have my credit pulled in order to be reviewed which in turn lowers my score.. I have submitted request in wirting to all three angencies, requesting at least remove the duplicate hard inquiries from my report which should bring my score to at least 700-720 none of which has been done.. I have paid off loans and I also have a 21 % debt to income. I have lost grant money due to Equifax unfair and inaccurate reporting..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bayview Solutions LLC
State: NJ

Complaint narrative:
He called from this number : XXXX and He started telling me, that I owed {$1000.00} to a credit account I had over 10 years ago, and this account was paid. The statute of limitations is up therefore He has no legal right to try and even attempt to collect a debt in New Jersey. He also said ; I opened a account with XXXX XXXX and that has nothing to do with what he's suppose to be trying to do. 

He also said ; I had 2 judgments on my report and I don't and He wanted me to send him the {$1000.00} ; He also said I was embarrassed, He was very threatening too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I opened an account with Barclays on XX/XX/2015. I paid account on time for exactly 12 months. Then closed out my account at XXXX balance. I was unable to resolve this with the company. They were unable to find and records related to my 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 2018-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hi, I've tried several times over the past few weeks to log into my account on both the Bank of America website and mobile app. My user name and password were correctly entered. Without fail, I receive the following error and am unable to log in : " Online Banking is not available to you at this time. Please call us at XXXX. '' I put off calling over this time because I work 60 hours a week and I expect long call times with them, as that's what I've experienced in the past. I'm calling today, Saturday XX/XX/2018. The automated recording apologizes for the " longer than usual wait times '' and thanks me for waiting, but it's currently been one hour and ten minutes and counting that I've been waiting. It seems BOA may be making it extremely difficult for me to log onto my account to pay my bill to force me into a late payment, which results in fees for them.

Unreal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
i sent a personal check to the united states treasury for XXXX for taxes on XX/XX/XXXX. the  check came back in my bank statement so i assumed the united states treasury received. on XX/XX/XXXX i received a letter from the united states treasury stating they never received my check. i called them on the XX/XX/XXXX and gave them the check number ect. apparantly the check was fished out of a postal mailbox and cashed at XXXX XXXX XXXX on XX/XX/XXXX. my bank is pnc and that is where the money was drawn from. i went to the bank and they have a fraud claim in. i went to the police and they made a report. i went to the post office and they have a fraud claim in. i contacted the us treasury and sent them all this imformation. meanwhile i now owe the treasury more with taxes and penalties, i have not heard anything yet and am i out this money or will the bank make good for this.? i still have to pay the treasury department. any imformation you can give me will be helpfull.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: EQUIFAX, INC.
State: AR

Complaint narrative:
The only one out of 22 hard inquiries that i know are mine are the XXXX XXXX XXXX ones thats it ... they have already let my infromation get leaked now dont want to fix this issues ... also have not resposed over many times i have tired to get report on XXXX XXXX Needs removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am an alleged cosigner to a student loan that I neither agreed to sign or signed. The loan was opened with Navient in XX/XX/XXXX for an amount of {$25000.00} and today, after what seem to be one apparent deferment after another, the loan amount now stands at {$40000.00}. I have tried unsuccessfully for five years to inform Navient that I did not agree to cosign this loan and any signature that they have with my name was forged. Navient informed me that they couldn't help me and that my only option was to file a criminal case for forgery against the borrower. They threatened to report my credit report and under duress I made two payments in a short term attempt to keep my report in tact, while I was going through the process of buying a new home. 
On XX/XX/XXXX I reached out to Navient by email to once again assert my defense that I did not sign for the loan in question. On XX/XX/XXXX I received a response from XXXX XXXX stating that Navient was unable to assist me by email but they would be happy to assist me over the phone if I called the number that was provided. I did not call and on XX/XX/XXXX, the account was reported against my credit and my fico score dropped 41 points on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I opened up an account on XX/XX/XXXX. My report should reflect that I paid my account on time for 18 consecutive months. This account should reflect closed XX/XX/XXXX. I reached out to the company to resolve the problem with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
On Thursday, XX/XX/XXXX, I decided to use Western Union to send an international money transfer for charity purposes. I proceeded to fill out the application online, which was somewhat difficult. I had messed up the name. Western Union would not fix the problem the first time I called on Thursday. I called back Thursday to cancel my transfer. The guy I spoke with stated he cancelled the transfer. Now, this morning I noticed it was not cancelled. I called once and got tired of waiting on hold for 25 mins. Then, called a second time to cancel my transaction. A XXXX, who I spoke with, said all I have to do is send my ID and my check/debit card to XXXX. I did as he said, and they still refused to refund my money! They said I need the receivers information. I'm trying to cancel my transaction not send the money anymore since I have been lied to twice by customer service, and that I messed up the name by putting two first names instead of last name. They still refused to refund my money. Each time I have spent on hold waiting, 20 to 25 mins only to hear false promises of refunding my money. The amount is XXXX and the transaction code is XXXX XXXX XXXX for Western Union to track.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HOME BANCSHARES, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX ( XXXX ) wired {$100000.00} USD from its XXXX XXXX XXXXXXXX to XXXX XXXX ( owned by Home Bancshares ). XXXX file a request to reverse the wire the same day. The funds were sent to XXXX XXXX XXXX XXXX to continue for New/Current Construction costs property XXXX XXXX XXXX XXXX, XXXX, FL XXXX Lot XXXX/XXXX. 

XXXX spoke with XXXX XXXX XXXX - President of XXXX XXXX   has said he would look into the issue. XXXX XXXX refuses to respond. 

XXXX XXXX 's actions are Violation of Florida State Statues for Civil and Criminal Theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: AL

Complaint narrative:
I sent dispute letter to transunion asking for verification and validation. I have received my reports back and they did not prove the account is reporting correctly.I have no record of the above accounts and I am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting.They is in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
A XXXX XXXX credit card service representative gave me false information about how the account effects my credit score, which resulted in my account being closed. Once I learned otherwise, I called to ask if the account could be reopened so I can improve my credit, and not only was I denied because they wanted to make me open a brand new account with a smaller credit line, but they changed my close date on the original account to the date of the phone call which added 4 years on to my credit report removal date. The credit company refuses to change it after several attempts being made through the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: AL

Complaint narrative:
I sent equifax a letter about mis- reporting accounts on my credit report.Equifax did not provide me with information on how they verified these accounts. I have no record of the above accounts and I am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting.Equifax is in violation of the FCRA because they did not show proof of the alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andXXXX XXXX and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling Equifax and XXXX this and XXXX and they do nothing. I can not even get a credit report from equifax and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovis
State: MI

Complaint narrative:
My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Innovis by filing a direct dispute with them. They stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached an account status letter from XXXX stating my account has never been delinquent and my forbearance from XXXX XXXX proving my account was in forbearance during the period its marked late on my credit report. I believe Innovis is not actually doing an investigation and just running it through their XXXX system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with XXXX late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: SC

Complaint narrative:
I received my XXXX credit report File Number XXXX dated XX/XX/2018 and noticed it still contained the wrong personal information that they constantly supposedly erase every month. I call them every month to have them remove incorrect addresses and then the next month the addresses are back on my credit report. I asked a representative why did this keep happening he said that he didn't know and that there wasn't anything that he could do. Reporting al of these incorrect addresses is a nuisance. I don't understand why they can not just block these incorrect addresses from appearing on my credit report. The only address that should be listed on my credit report is XXXX XXXX XXXX XXXX, SC XXXX. Please remove and block this information from my credit file as this is not my personal information. also there is one number that is reporting listed as mine and it is not. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC
State: FL

Complaint narrative:
Three percent rate is almost 800 percent, took two loans out first loan, I payed back in full, second loan I got sick, and the money I have payed them has been more of what I have taken out, and they still want XXXX which is a joke, but I still said I will pay XXXX a month until its paid off but 800 percent is so crooked, give me a break, thats a scam

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andwells fargo and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling XXXX and XXXX this and transunion and they do nothing. I can not even get a credit report from XXXX   and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andXXXX XXXX and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling XXXX and experian this and XXXX and they do nothing. I can not even get a credit report from XXXX   and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: TX

Complaint narrative:
Equifax removed account information from my account that I never asked them to remove. These accounts are my accounts. I am not sure why Equifax deleted these accounts, however this drastically hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
XXXX XXXX XXXX held my eviction court appearance letter in order for them to win by default in XX/XX/2017. By doing so I had no knowledge of when to go to court which may have extended my time there allowing me time to get caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Received a response from Citibank Client Services, dated XX/XX/XXXX. Response indicated that I received a XXXX for the XX/XX/XXXX tax year. And that the debt was charged off on XX/XX/XXXX. 

Upon review of my records for the XX/XX/XXXX tax year, no XXXX was received by myself. And I did not make any unsecured debt payments to any creditor past XX/XX/XXXX. 

I wrote a letter to Citibank Client Services, attention XXXX XXXX of the Executive Response Unit. I indicated the above concerns and to please verify that this is my account. The letter was sent certified mail and was delivered on XX/XX/XXXX. To date no response has been received from Citibank client services. Ref Case # XXXX. Please see attached letter dated XX/XX/XXXX addressed to XXXX XXXX, Citibank. Certified mail tracking number 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