vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Went to go get a student loan as I am a current XXXX XXXX in college and I was denied due to adverse information on my credit report. 

Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by Citicards NA and XXXX XXXX. 

I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. 


I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with CitiCards NA & XXXX XXXX. 


Also I have contacted XXXX XXXX of the XXXX XXXX to help me in the event that I need to file paperwork with the XXXX County Court. 


I have supplied CITICARD & Citibank with all the necessary requirements under the FCRA 2009 ( a ) to have this removed under the basis of fraud. I have satisfied all the necessary filings with state and federal law enforcement agencys and am asking Citicard to cease and desist ALL reporting of this account that was fraudulently obtained in my name. 

Any previous verification was fraudulent, also I have contacted 8 banks on XXXX  to notify them of fraudulent checking accounts in my name as well which can explain any payments made in my name, I have reported this to the FBI as it is stealing from FDIC. 


I will once more state that this account can not be transferred, sold, or be collected on under the FDCPA 2009 as the proper authorities have been notified. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " This is creditor negligence as outlined in the FDCPA as Citi has been notified with all the necessary paperwork.

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 2019-01-09 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: NV

Complaint narrative:
XXXX  XXXX XXXX Did not have permisable purpose to hard pull my credit profile on XX/XX/18 and XX/XX/18. Furthermore I'm unable to reach them with the phone number on file to resolve issue with them directly.

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 2019-01-09 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: Penn Credit Corporation
State: PA

Complaint narrative:
Today i checked my credit report to find a new inaccurate balance owed to PENN CREDIT CORP for XXXX, i never did business with or had any interaction with Penn Credit Corp. They stated that they are collection agent for XXXX XXXX XXXX, i don't believe i owe them any money either. i am very speechless to find out that XXXX allow anyone to just add negative items to my report for whatever reasons. I will like complete proof and breakdown of how i own such amount, with a signed contract bearing my legal signature, proof of billings statements. I kindly ask Consumer Bureau to really investegate on my behalf to find out what's really going on because my family and i can't continue in this circle of uncertainty, with the mindset that at any time anyone can put whatever negative items on my report without legal rights or proof to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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:
I contacted Equifax in several occasions with the concern that there are inquiries I did not authorize. I had a fraud alert requesting a phone call to prove identity on my equifax file for a number of months, yet inquiries were popping up and no one was contacting me when my credit file was being pulled. I contacted equifax and spoke with them about my concern and possible fraud on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 ( See attaches file with dispute dates ). Each time I was told they would not remove inquiries, I would need to contact the company that pulled my file. I contacted all of the companies and they stated I needed to speak to Equifax. When I went back to Equifax with this information they stated they still would not remove inquiries. After a few phone calls they did a dispute but still did not remove inquiries or provide proof that I submitted my information to be pulled ( which I did not. I explained it was fraud, hence the fraud alert ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I filed a dispute when an unauthorized charge showed up on my XX/XX/2018, Bank of America online account. I called customer service to dispute the transaction of {$190.00} from a Movie service provider, XXXX, on XX/XX/2018. I got a letter dated XX/XX/2018 from BOA stating that they had received my dispute claim and gave me a temporary credit for the transaction. On XX/XX/2018, I got a letter from BOA stating that they had received information from XXXX that seemed to justify the charge. They told me to mail all the details of the disputed transaction or they would close the case in the merchants favor on XX/XX/2018. I called BOA customer service and she said unless I could get my reasons for disputing the transaction, that day, to a BOA office, the dispute would be considered closed. There are no Bank of America offices in the metropolitan XXXX area. I finished the form letter they sent me and mailed it back. The only thing BOA has responded with is the same denial of the dispute in my favor.

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 2019-01-09 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: OK

Complaint narrative:
I have disputed a collections account from XXXX XXXX XXXX on my Equifax credit report multiple times now. With zero results, nothing has changed, despite me disputing this item multiple times over several years now. I have also asked for my consumer disclosure file for this collections account, per FCRA Section 609 ( a ) ( 1 ), multiple times and never received anything from either ARS or Equifax. 
I have informed Equifax multiple times that I have never received a medical bill for this alleged debt. I have informed them that it is my right to have been given a bill for this debt, which I never was given. Therefore, I also was never given the chance to dispute this item with the original creditor or collections agency. The hospital that this was most likely billed from is notorious for sending bills directly to collections when the patient did not have insurance. I have no doubt that this is most likely the case with this debt, but there again, since I have never been issued a bill for this item, I can only speculate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I Called and made a complaint on XX/XX/XXXX and XX/XX/XXXX, but no one was able to help me. They couldnt find an application on file with my social security number. 

Someone ran my credit twice on XX/XX/XXXX for Auto financings, which I did not authorize. Im looking to get these HARD INQUIRIES removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: NATIONWIDE ACCEPTANCE LLC
State: MN

Complaint narrative:
I Called and made a complaint on XX/XX/XXXX and XX/XX/XXXX, but no one was able to help me. They couldnt find an application on file with my social security number. 

Someone ran my credit twice on XX/XX/XXXX for Auto financings, which I did not authorize. Im looking to get these HARD INQUIRIES removed ASAP.

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 2019-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
This letter is regarding a false debt that I have repeatedly tried to resolve with the company, XXXX XXXX XXXX XXXX XXXX. I ended up having to file a fraud report against the company with XXXX, Report # XXXX. I believe this false billing is in retaliation for reporting them. 

In XX/XX/2018, I received a bill, in the amount of XXXX, from XXXX XXXX XXXX XXXX XXXX showing a total billed amount of XXXX for date of service XX/XX/18. Please see front and back of statement dated XX/XX/2018. 

XX/XX/2018 XXXX  Insurance Contractual Adjustment of XXXX XX/XX/2018 XXXX Insurance Contractual Adjustment of XXXX XX/XX/2018 XXXX  Insurance Contractual Adjustment of XXXX Reverse XX/XX/2018 XXXX  Payment XXXX Total insurance payments made are in the amount of XXXX, leaving a XXXX co-pay, which my secondary insurance needed to pick up. So, provided my secondary insurance information. 

Then in XX/XX/2018, I received another bill. Please see statement dated XX/XX/2018. The big problem on this bill is now that XXXX had payment from both my insurances and somehow they are trying to bill me XXXX. This bill shows the following total amount billed XXXX. 

Adjustments of XXXX XXXX  Insurance Payment XXXX XXXX  Insurance Payment XXXX The total payments and credits come to XXXX, showing this account was not only PAID IN FULL, but that it was over paid by XXXX. Yet, somehow, they come up with this XXXX number saying it is due. How can they not see their own accounting problem? 

After multiple attempts to try to get XXXX  to acknowledge the problem I finally called my insurance company who also confirmed that according to their records I was only responsible for XXXX and that if the other insurance over paid then we would not have any balance due. 

By XXXX  own accounting, the bill was XXXX, they received XXXX in credits and adjustments. So how can XXXX make up a number and send me multiple bills and ignore all my attempts to resolve this, unless it is intentional? 

In summary, I owed XXXX co-pay showed on statement dated XX/XX/18. Then I provided my secondary insurance information to XXXX to cover my co-pay. XXXX then received an additional XXXX from my second insurance which ultimately over paid the account and yet XXXX somehow says the account is still owed XXXX. The accounting on their own bill does not add up. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: PA

Complaint narrative:
Navient is the loan provider. I have asked for a budget/ income driven loan and they through me out of the the repayment plan because I took a home equity loan to fix some things in my house. They said that new credit was the cause of them throwing me out. Later I asked for a forbearance and they said I had 4 month of forbearance available, but I could only take 3 months at a time per their policy so they charged me {$50.00} for 3 months, then another {$50.00} for 1 month. They do not treat their borrowers very nice!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is  XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: SLM CORPORATION
State: NC

Complaint narrative:
I took out my XXXX XXXX loan in order to go to college. I was told when I signed up that I would get the best customer service. However, ever since I have graduated in XX/XX/XXXX, I have had nothing but trouble from them. They immediately came after me for {$550.00} a month. I was able to get my account placed on a Graduate  payment plan, but once it ended, I still was struggling to make payments as a recent graduate. When I contacted them, in XX/XX/XXXX and requested assistance in the form of refinancing due to an increase in my credit score, they refused and instead they placed me on an interest only repayment plan for {$300.00} a month, despite the fact that my cosigner had amazing credit. After that, they would make disrespectful, harassing and occasionally threatening calls to myself and my cosigner, who was in the hospital during one of  these calls. While I understand that they are a business, these calls came when I was only two days late in payment, and when I had already called XXXX XXXX and informed them that I was waiting on a paycheck and then they would get their money. At one point, the person I spoke with talked down to me and told me that until I " learned to pay on time, I would continue getting the calls. '' Again, this would occur when I was only two to five days behind in payment on a {$300.00} dollar payment as a recent graduate. I have never been more than 28 days past due, and every time I have been past due has been due to some reason I can't control and that XXXX XXXX refuses to work with me on. Now, after a year of these " interest only payments '', my repayment plan is almost up and at the beginning of this year, my balance went up {$8000.00} and they expect me to begin paying them {$550.00} a month come XX/XX/XXXXXXXX. Every time I request some form of help due to being unable to handle the bill and support myself, they refused. I have no issues paying my bills, I am an accountant and I know bills must be paid. However, there is absolutely no reason that XXXX XXXX should be this inconsiderate and all together disrespectful towards their clients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover loans have been sending me letters for me to apply for a loan different loans. 
I than tought of accepting a loan and apply as tjeybbeen sending me lentes that Im pre approve which are nothing but lies and I found out after 2 or 3 days after. When I apply first they sent me a notification that I was qualified for XXXX as I check my rate without having to harm my credit score and everything was going so well and mostly would approved me. 
They ask me to submit a document which was a utility bill I sent a XXXX  electricity bill to them and it was verified and accepted so far so good everything was going right and well today i spoke to a guy and said to call them so they can finalize my loan and get ready to go than he ask me to call since he could not do that thhru a chat live online. 
So I called and ask to speak XXXX because I speak more XXXX than English. But the representative said everything was going well and that they needed to proceed and pass the information to someone higher than a representative so they did as I mention them I wanted to know the answer because they have taken sweet time and I had other lenders who were offering me other loans as well but since I am A member of discover and have a fantastic relationship with them and have a excellent credit score and credit history they denied me the loan for no reasons I believe they have discriminated me and denied my opportunity to get the loan of XXXX why would they accept me first and than denied me st the end. Wen everything was almost done and verified. 
That is an insult and I have great and excellent credit my credit is XXXX or XXXX with others credit bureaus. I am very sad and disappointed at discover and will never ever ask them for a loan and will make sure they dont play with peoples feeling and making them think they got approved while they denied you at the end for no reasons.they always say a different story regardless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 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: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I have disputed a collections account from XXXX XXXX XXXX   on my XXXX credit report multiple times now. With zero results, nothing has changed, despite me disputing this item multiple times over several years now. I have also asked for my consumer disclosure file for this collections account, per FCRA Section 609 ( a ) ( 1 ), multiple times and never received anything from either XXXX  or XXXX. 
I have informed XXXX  multiple times that I have never received a medical bill for this alleged debt. I have informed them that it is my right to have been given a bill for this debt, which I never was given. Therefore, I also was never given the chance to dispute this item with the original creditor or collections agency. The hospital that this was most likely billed from is notorious for sending bills directly to collections when the patient did not have insurance. I have no doubt that this is most likely the case with this debt, but there again, since I have never been issued a bill for this item, I can only speculate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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:
The accounts listed below are still reporting to XXXX, XXXX, AND EXPERIAN. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention

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