vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 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: CA

Complaint narrative:
us dept of education has two accounts appearing wrongfully on XXXX, XXXX  and equifax ... ..they are both account no.s XXXX and XXXX..BOTH OF THE ACCOUNTS HAD A FINAL PAYMENT XX/XX/2011.both of the accounts have been delinquent since XX/XX/2011 and never were brought current.So according to the FCRA both of the accounts should have been removed from all of my credit files about 1.5 years prior.THE DATE OF FIRST DELINQUENCY IS IN XX/XX/2011.THIS IS CAUSED BY MISREPORTING OF THE CREDIT HISTORY.THIS IS A VERY GRAVE ERROR ON THE PART OF THE CREDITOR AND BUREAUS.THE BUREAUS INVESTIGATION MUST INCLUDE WHAT I HAVE JUST STATED AND BE DELETED.ANY OTHER BEHAVIOR WILL LEAD TO INJUNCTION OF THE SUIT IMMUNE CREDITOR AND A STATUTORY WITH LIKELY PUNITIVE DAMAGES AGAINST THE BUREAUS.BEING A REPOSITORY CARRIES OTHER FCRA DUTIES SO WITHIN 30 DAYS ALL BUREAUS MUST REMOVE THESE 2 ACCOUNTS BECAUSE WHAT I HAVE SAID IS FACTUAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: CA

Complaint narrative:
Ive been trying to fix the problem with XXXX   for a while. It started when I first got a credit card. Someone used my credit card fraudulently and without my knowledge and as a result they went over my credit limit. I fixed the problem with my credit card company. And when they fraudulently used my credit card and went over the limit my credit score went down from XXXX to XXXX. I asked XXXX  to fix the problem but they refuse. And since Ive been trying to fix this problem Im noticing that its impossible to fix my credit now with them. For example I paid a balance down and my credit score went down. Its supposed to go up not down. Ive been noticing someone is checking my credit hundreds of times without my knowledge and my credit score keeps going down. This is the last time I will try to deal with this before suing this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: MN

Complaint narrative:
I filed Chapter XXXX bankruptcy in the United States District Court of Minnesota Bankruptcy Court and has notified XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX and XXXX XXXX  XXXX/XXXX  XXXX, countless times in regards to a debt the above creditors is trying to collect from me. The debt was discharged in Chapter XXXX bankruptcy court. The above creditors are in violation of the bankruptcy court Automatic Stay which prohibits all collection activity, including legal action, garnishment and contact via phone and mail. All my debt was discharged in Chapter XXXX bankruptcy court in the United States District Court of Minnesota. I want XXXX  and Experian to notify the above creditors and immediately delete the accounts from my credit report, as the accounts was discharged in Chapter XXXX bankruptcy 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 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied and was approved for a new Citi ThankYou Premier card. As part of the signup terms, I was offered XXXX Citi ThankYou points after spending {$4000.00} within the first three months of account opening. The terms clearly stated that " Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige, or if you have closed any of these accounts, in the past 24 months. '' After quickly meeting the minimum spend requirement, I patiently waited for the XXXX ThankYou points to post to my account. However, after not receiving anything for several months, I reached out to Citi on XX/XX/XXXX to inquire about the points. I was advised that I did not qualify for the XXXX points offer because I had opened an account in the last 24 months. 

While it is true that I opened up a new Citi Rewards+ card through a product conversion, no new cardmember bonus was received for this card. Accordingly, because I did not close any Citi ThankYou accounts in the past 24 months and because I did not receive any new cardmember bonus in the past 24 months, I was still eligible for this offer. 

After escalating this issue via phone, and explaining how I clearly qualified based on the terms, I was told that my issue would be escalated and that I would hear back in 5-7 business days. I just received a letter in the mail today that special offers aren't available when an existing account in the same product has been " approved or closed '' within 24 months. 

This letter, while I imagine not with deceitful intent, completely misrepresents the terms of the signup offer which state that you are eligible as long as you have not received a bonus or closed a card. The terms on the website do not say that this also applies to account openings for which no bonus is received. A screenshot of the offer terms is attached.

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 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Banking errors due to branch teller and credit card department verification resulted in overdraft of over {$4100.00} to my checking account. 

On XX/XX/XXXX, I visited the local branch on XXXX XXXX XXXX in XXXX, FL to see about depositing a BOA credit card 0 interest promotional check that I received from BOA in the mail. I talked to the teller and explained I want to deposit the check for {$5000.00}, which I had in availability from my BOA Credit card. The teller contacted credit card services to verify the amount and check and said yes you can however regular interest applies. She then issued the deposit for XX/XX/XXXX availability. On XX/XX/XXXX, without any notifications or phone calls, I noticed my account overdraft - {$4100.00}. I contacted BOA, who for 1 hour 40 minutes gave me the run around and didn't help me. They explained an error in which the check goes to cash advance in which I only have {$3000.00} available. I explained this wasn't the case and teller verified, however they said no, it doesnt come out of regular balance, only cash advance. I then said please help resolve this and no one at BOA did their diligence to help me. I was transferred to card src, who explained a cash limit can be req. I did this, only for the rep to say after, it will take 5 days for a response. Why didnt she tell me this before the req? I needed this done now to fix the overdraft issue. Now fees will pile up for days, even though bank manager on phone said they would remove the fees. I don't trust BOA now and I doubt they will stick to their word by clearing all these fees, even though this was total miscommunication on BOA 's end and 100 % not my fault. Once this is dealt with, I will close all BOA accounts and never do business with them again. The lack of customer service, communication and the fact they left a 20 plus year customer like me hanging for this issue with no care at all. Just to tell me to wait. BOA did nothing to help me for almost 2 hours tonight. Worst customer service ever imaginable and now I'm stuck with a negative balance with no access to account funds. Put yourself in my shoes and see how this feels.

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 2020-02-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian keeps showing an old XXXX account from XX/XX/2015 with a balance of {$25000.00} which is NOT correct. I have contacted them numerous times about the inaccurate info and they refuse to delete the information even though XXXX  and XXXX immediately complied without any trouble. Experian refuses to provide any written proof the entry is accurate, this is a 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 2020-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Sallie Mae was the original holder of my student loans and sold them to Navient. When I experienced hardship, Navient refused to provide me with alternative repayment plans, such as income-driven repayment plans. Navient consumer representatives told me these types of plans didnt exist and the tone on the phone was such as a bully to force you into a bad decision. I was paying two of my loans on time every month. Navient had a glitch in their system and stopped taking auto payments from my bank account monthly. Navient blamed me for the stop in payments, my bank information never changed. My brother was a co-signer of my loan. The original lender Sallie Mae released the funds to my brother who was not attending college. They refused to allow him to return the check and send the check to me. My brother gave me the check to use for school. They failed to release him as a co-signer. Navient failed me as a customer. I settled my loans with Navient for less than I originally borrowed. Navient predatory actions cost my credit score to be affected and reports often as account paid for less than full balance. I seek redress from the Consumer Financial Protection Bureau as I was harmed by Navients illegal practices. I ask the Bureau to  take action to have Navient cease and desist from reporting negative credit information to credit bureaus. Navient failed to provide myself with the basic protections of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Ive been victim of identity theft for more than 3 years, because I lost my back pack that contained all my important documents. 
I filed a police report and I put a freeze in to my credit bureaus. 
there were 6 collections accounts under my name, I took out 2 accounts already but i still have 4 to go and one of them is this medical bill from XXXX  XXXX XXXX XXXX of XXXX . 
Even though the person has my lost ID and social but Im sure he doesnt look like me in the picture.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This is a request for assistance with the Consumer Financial Protection Bureau for unfair credit reporting and debt collection practice from the original creditor and debt collection agency. The original creditor named : XXXX XXXX submitted a debt to be collected to the debt collection agency named : IC System for an amount of {$150.00} The original creditor has never made an attempt to submit a billing statement and details of the medical debt to my home of residence. There was never a detailed information about the age of the debt and the amount owed based on the services that was supposed to have been performed. There was never an attempt by the original creditor to separate the amount owed in comparison to what my medical insurance is supposed to cover. Furthermore, I am military personnel with full medical and dental coverage to include a full coverage of a supplemental medical insurance from a separate insurance entity. Both the original creditor and the debt collector did not provide full details of the debt or send any billing statement as stated from the fair credit reporting act. Instead, both parties decided to send the false information to the credit bureaus which was not fully verified to ensure proper reporting procedure was conducted. Due to their negligence and deliberate misconduct I lost tremendous credit points from the credit bureaus which impacted my score and seized the plan to purchase a home for my family. I am pleading for your help to stop this insane malpractice of credit reporting and debt collection process and bring sanity back to my family who is not suffering from not being able to purchase a home.

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 2020-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Pioneer credit began garnishing 25 % of each paycheck. There was no notice or any documents. Every phone number I have goes to a pre-recorded msg. Supposedly I owe XXXX. Years ago they contacted my step mother saying I used her identity in a bank fraud. I had to contact the Ohio ag when they began calling my elderly neighbor. This is after the IRS took every refund from 2004 to this day. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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:
These are not my accounts. Please remove them.

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 2020-02-19 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:
These are not my accounts. Please remove them.

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 2020-02-19 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:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
DEBT IS MINE

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 2020-02-19 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:
These aren't my accounts. Please remove them.

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 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had previously requested Bank of America not to send me unsolicited email messages similar to the ones that are attached to this complaint. Bank of America responded that as part of my agreement with it to receive the banking and brokerage services I had agreed and am obligated to receive and read the email messages similar to the one attached to this complaint. 

In the attached message Bank of America requests that I must according to my agreement with Bank of America " watch your 2019 Preferred Rewards video summary ''. I do not believe that I ever signed any document or agreed online to any terms and conditions of service that would require me to watch any videos as part of the banking and brokerage service that I receive from Bank of America and its affiliate XXXX XXXX. 

I would appreciate that Bank of America acts professionally and that it stops sending me email messages asking me to watch any videos according to Bank of America 's language " as part of your existing relationship with us ''. 

Dear CFPB, It has been a wide spread problem in the banking industry recently when banks and other financial services companies attempt to bypass the privacy policy requirements of not sending marketing materials customers who choose to opt out of receiving such materials by disguising their marketing materials as " service related messages ''. The so called " service related messages '' are designed to contained persuasive language to use other services that the company has to offer such as " Watch your 2019 Preferred Rewards video summary '', are generic in nature ( not related to specific services or transactions that the customer had participated in ), and do not include any methods for customers to indicate that the messages are not desirable for customers to receive such as UNSUBSCRIBE buttons.

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 2020-02-19 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:
These aren't my accounts. Please remove them.

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 2020-02-19 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:
These aren't my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: PA

Complaint narrative:
In XXXX, I disputed an account on my credit report with XXXX XXXX as I was a victim of identity theft. Upon XXXX  XXXX doing their own investigation, I received a letter in the mail dated XX/XX/XXXX indicating that they looked into my claim and found that the account in fact was fraudulent and also indicated that a request would be sent to XXXX, Equifax, XXXX  and XXXX to delete this account from my credit file. 

XXXX XXXX did exactly that and everything was as it should be until XX/XX/XXXX when suddenly a third-party collector, XXXX XXXX XXXX reported this same account to all three major credit bureaus, and it showed up as an unpaid derogatory and collection account. 

First and foremost, I never had any association with this company whatsoever. Secondly, how did they even obtain my personal information, and thirdly and most importantly, I still have possession of the letter directly from XXXX XXXX on their letterhead regarding this matter which they indicated the account was fraudulent and then subsequently requested the removal of this account from my credit file to no longer negatively impacting my creditworthiness. 

I truly value my credit and manage it very well, so I find it appalling that XXXX  XXXX would sell my information even after this matter was resolved in XX/XX/XXXX and this third-party company would try to coerce me into paying them money that I DO NOT owe them. What is most bothersome in this entire matter is the fact that XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX and acknowledged my dispute and stated that they are awaiting to receive additional documents from the seller! Their words not mine. They paid for my information and admitted to it. Additionally, the same letter indicates in the interim they initiated a request that the three major credit reporting agencies delete this referenced account. 

Well why would XXXX XXXX XXXX proceed to have the account deleted if in fact I owed them any money at all which I clearly do not? Is this an attempt for them to clean up an oops on their part and cover their tracks because I should have never had to experience this egregious error causing unwarranted anguish by sabotaging my credit as if I'm guilty until proven innocent. 

To date, this account has already been removed from XXXX  and XXXX  but not Equifax. I corresponded with Equifax directly about this matter and was told they're unable to remove the account despite the fact that I have written proof that should easily remove it just as it was removed from the two other major credit bureaus already. 

With all of that in mind, your assistance with a swift resolution to this very upsetting matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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 a victim of identity theft

Company response to consumer: Closed with explanation