vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
i was in XXXX when fraud occured on my card, during this time 6 other cards where compromised and my cell phone number from XXXX was ported illegaly and the fraudster had my number for 38 days it took me to recover it while i was over seas to XXXX that even caused me further identity theft, citibank denied my claim bc they said i had knowledge which is false, citi didn't even bother to investigate, even though hotels and airfare was in the fraudsters name i called to tell them this they never called me back, i filed a police report and with XXXX, i called and someone who is a fraud investagator from india was supposed to call me and never did

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 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I walked in to bestbuy to purchase a product with cash. I was then offered a store card by an employee at bestbuy. I insisted in getting the store card because j knew I would be denied because my credit was not the best at the time and I did not want to geberate an inquiry on my report. The employee then insisted and told me the the application would not generate an inquiry in my credit. Trusting his word I then proceeded with the application and minutes later received an inquiry. I would like to have this removed because of the misguided information I was given at the store.

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 2018-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Have received phone calls and letters and I explained to collection agency that I do not believe it is mine and I would need proof that the debt is mine. To date they have not been able to validate. How can you properly validate a medical collection without it being a violation of HIPPA law? I do not believe this is mine. This is not mine. Collection agency refuses to remove incorrect info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have no idea who or what type of collection this is for. It says the original creditor is " XXXX XXXX '' and a balance of {$2100.00} This is not mine. Please delete. Never received anything from the XXXX XXXX and it appears to be an error. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have received repeated calls and letters regarding this debt. I have requested validation of the debt and was told that the debt is mine however, how can the debt be properly validated if you don't know the services that were completed and if it is accurate. I personally don't remember ever receiving services here and especially not for this amount. In order to properly validate the debt, the bill would have to indicate what services were performed and doing so would be a HIPPA violation. Please delete this erroneous debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Since XX/XX/XXXX PayPal over drafted my bank account 14 times even tho I called and told them I would pay the amount as soon as I got paid. Instead they attacked my bank account racked up {$2000.00} in overdraft fees and stolen {$580.00} from my bank account. On top of that still states I owe {$700.00}. Which doesn't make sense cause I only used {$350.00} which they took more than what was used by me. Cause of them overdrafting my account two of my XXXX checks have been eaten up. Wasn't able to pay for my monthly bills. I am a XXXX XXXX   veteran I live off my XXXX and PayPal has ruined my bank account and also made me miss my monthly bills. I was told I would be given a week to pay it back by their customer care but never given that time and was XXXX financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX/NAVI with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Levon Gukasyan DBA Garman Financial
State: CA

Complaint narrative:
I have a loan with GARMAN FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and GARMAN FIN with no successful resolution. XXXX, XXXX  and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/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 2018-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
The Navy FCU is collecting a auto loan debt. I lost my job XX/XX/XXXX and did not work again XX/XX/XXXX. I tried to mitigate missing payments immediately but Navy FCU would not work with me. I could not pay. 
Fast forward, the car was repossessed, XX/XX/XXXX and the FCU rep stated i need to pay {$10000.00} by XX/XX/XXXX. I explained that i could pay it off but needed more time. He stated he would give me until XX/XX/XXXX. The last conversation i had with him was XX/XX/XXXX where he stated i could pay car off then call car storage company to pay storing fee. I called them XX/XX/XXXX. They said they do not have car and car is already at auction house. If i want belongings i need to contact XXXX XXXX. I called XXXX XXXX they stated they do not have the car and do not know where the car is. 
I attempted to call XXXX XXXX back on XX/XX/XXXX but he was gone for the day and another FCU rep reviewed my account. She stated the Navy FCU gave me until XX/XX/XXXX to pay the balance and not XX/XX/XXXX as stated by first rep. 
Out of all this : 1. Navy FCU rep falsified the timeframe the bank was actually given me. XXXX vs XX/XX/XXXX. 
2. The company supposedly storing my car is located in XXXX and has already sent car to auction house but will charge me a daily storage fee. 
3. I changed my address and have not received term notification. 
4. My car location is too far for me to get my property out of. 
5. I have been out of the country from XX/XX/XXXX-XX/XX/XXXX. 
I am stuck trying to get car back and property in car!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AP

Complaint narrative:
XX/XX/XXXX I received a letter from XXXX XXXX XXXX re : a  XXXX phone bill they are trying to collect in the amount of {$5100.00}. 
XX/XX/XXXX I mailed a certified mail return receipt letter to XXXX responding to their attempt to collect the debt. I indicated that I do not have any responsibility for this debt, I'm disputing it, and that if XXXX forwarded or returned it to another company, to indicate that it was disputed. 
- I have never had a XXXX phone account and my name is not " XXXX XXXX ''. I mailed a letter to each of the three credit bureaus ( XXXX, XXXX, and XXXX ) with the collections letter from the creditor, letter to creditor disputing item, copy of birth certificate, and copy of auto insurance statement verifying current address. 
XX/XX/XXXX The date of my corrected XXXX Credit Report indicating the outcome of the investigation : " Deleted - this item was removed from your credit report '' XXXX XXXX, XXXX I received a debt collection letter from Southwest Credit . This company is trying to collect the exact same debt that XXXX attempted to collect and was found to be wrong and removed from my credit. 
I am submitting this complaint in an attempt to stop this cycle of one company selling an " already proven invalid '' debt to another company and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: GA

Complaint narrative:
XXXX shows an account open in the my name. I did not open this account. I have told credit reporting agencies this several times. They always come back and say it is mine. I would never open a XXXX account. I would like this resolved as soon as possible, because this is not mine. I fear someone is trying to use my name for fraud. While there are no charges owing on it now, I would like to get this straightened as soon as possible, before charges are accrued. Please take care of this, as I'm innocent person who did not open this account. I am in the process of buying a home, building a better and stronger credit, and I do not need this on my credit. If it was mine. I would accept that. It is not, and this is unfair, and illegal. No proof has ever been presented to me, that this is my account, when I know it is not. That is why there is no proof.

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 2018-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: GA

Complaint narrative:
XXXX shows an account open in the my name. I did not open this account. I have told credit reporting agencies this several times. They always come back and say it is mine. I would never open a XXXX account. I would like this resolved as soon as possible, because this is not mine. I fear someone is trying to use my name for fraud. While there are no charges owing on it now, I would like to get this straightened as soon as possible, before charges are accrued. Please take care of this, as I'm innocent person who did not open this account. I am in the process of buying a home, building a better and stronger credit, and I do not need this on my credit. If it was mine. I would accept that. It is not, and this is unfair, and illegal. No proof has ever been presented to me, that this is my account, when I know it is not. That is why there is no proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 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: GA

Complaint narrative:
XXXX shows an account open in the my name. I did not open this account. I have told credit reporting agencies this several times. They always come back and say it is mine. I would never open a XXXX account. I would like this resolved as soon as possible, because this is not mine. I fear someone is trying to use my name for fraud. While there are no charges owing on it now, I would like to get this straightened as soon as possible, before charges are accrued. Please take care of this, as I'm innocent person who did not open this account. I am in the process of buying a home, building a better and stronger credit, and I do not need this on my credit. If it was mine. I would accept that. It is not, and this is unfair, and illegal. No proof has ever been presented to me, that this is my account, when I know it is not. That is why there is no proof.

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 2018-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Recently I went to a free standing wells Fargo atm located on the other end of town related to where bank is. I have been a member of wells Fargo for many years to include a mortgage and even my sons recent teen account. After my experience I'm a drastically reconsidering this. I made a cash deposit of XXXX, the atm started having issues within a minute of deposit, and said the machine had jammed. Enter your deposit amt or best guess. I entered XXXX. The next day my funds were available. Yesterday in logging on to my account I noted a/an XXXX atm adjustment. Deducting XXXX from my account. I called and spent nearly 45 minutes getting passed around. Finally speaking to XXXX supervisor and the a XXXX XXXX in executive relations neither which could assist me. Rather they said I had to call atm acquisition department. Stating could take up to 10 business days to resolve matter. I expected more from my bank. I work hard for every dime I make and deposit into said bank.

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 2018-07-05 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: MO

Complaint narrative:
Ok after repeated attempts of blocking the following from my report it's becoming disrespectful for the credit agencies to continue reporting unverified accounts inwhich are not mines, and if this continues I will be left with no other choice but to file suit. With the upmost respect could you please block the following from my report, XXXX, XXXX XXXXXXXX XXXX, and 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 2018-07-05 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: MO

Complaint narrative:
Ok after repeated attempts of blocking the following from my report it's becoming disrespectful for the credit agencies to continue reporting unverified accounts inwhich are not mines, and if this continues I will be left with no other choice but to file suit. With the upmost respect could you please block the following from my report, XXXX, XXXX  XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: MO

Complaint narrative:
Ok after repeated attempts of blocking the following from my report it's becoming disrespectful for the credit agencies to continue reporting unverified accounts inwhich are not mines, and if this continues I will be left with no other choice but to file suit. With the upmost respect could you please block the following from my report, XXXX, XXXX  XXXX XXXX, and 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 2018-07-05 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: MO

Complaint narrative:
Not only have XXXX breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX. {$56.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX 8 ) XXXX.. {$52.00}

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 2018-07-05 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: MO

Complaint narrative:
Not only have Equifax breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX.. {$56.00} 3 ) XXXX XXXX  4 )  XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX   8 )  XXXX.. {$52.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: MO

Complaint narrative:
Not only have XXXX  breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX.. {$56.00} 3 ) XXXX XXXX 4 )  XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX   8 )  XXXX.. {$52.00}

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 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NJ

Complaint narrative:
I am putting this company on notice. Just recently this collection agency placed a collection account which belonged to another family member on my credit bureau profile. When trying to speak to them they would not speak to me because it was not my account, I did not open this. It belonged to my now deceased mother. 

It is despicable that companies such as AFNI exist and poison the credit reports of millions of innocent consumers nationwide. 

On XX/XX/2018, AFNI reported that I opened an account on XX/XX/2018 for XXXX that was placed for collection with a balance of {$790.00}. 

I do not now, nor have I ever had a XXXX account. My credit rating is illegally being harmed by the actions of AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX fraudulently charge my Chase Credit Card of Erroneous amount of {$310.00} for NO evidence of the weight of luggage.

Company response to consumer: Closed with explanation