vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I HAVE AN ACTIVE FORBEARANCE EFFECTIVE XX/XX/XXXX THROUGH XX/XX/XXXX..

WHILE ON FORBEARANCE XXXX HAS NEGATIVELY REPORTED DELINQUENT STATUS ON ALL CREDIT REPORTS

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 2018-04-27 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: MA

Complaint narrative:
I HAVE AN ACTIVE FORBEARANCE EFFECTIVE XX/XX/XXXX THROUGH XX/XX/XXXX.. 

WHILE ON FORBEARANCE XXXX HAS NEGATIVELY REPORTED DELINQUENT STATUS ON ALL CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: MA

Complaint narrative:
I HAVE AN ACTIVE FORBEARANCE EFFECTIVE XX/XX/XXXX THROUGH XX/XX/XXXX.. 

WHILE ON FORBEARANCE XXXX  HAS NEGATIVELY REPORTED DELINQUENT STATUS ON ALL CREDIT REPORTS

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 2018-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MN

Complaint narrative:
National Credit Adjusters placed a collection account on my credit report XX/XX/XXXX. 
I called the company within days after finding this inquiry on my credit report and requested information about the collections ; was told it was from XX/XX/XXXX. I advised the rep that I was XXXX at the time and also stated this is a fraudulent account and requested it be removed-I was advised by another rep that they talked to someone other than me within my household about this debt on multiple occasions and was told that they will not remove this account. 
Upon reviewing my XXXX report a little further, I have seen multiple payday loans taken out in XX/XX/XXXX which are NOT mine and I have no knowledge of, but these have not been reported as collections. 
I have sent a request to the credit bureaus requesting investigation on removing this account from my credit report. 
I have also made a Consumer Complaint to the FTC regarding Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Reference Complaint No. XXXX ( Navy Federal Credit Union ) Navy Federal Credit Union sent me an amortization schedule for my loan which was not my request. 

As there is a $ 1,999+ balance on my loan although all the scheduled payments have been made and the loan has matured, I requested the following information : 1 ) The " late charge '' total represented in the remaining balance 2 ) The total amount of interested represented in the remaining balance 3 ) Whether NFCU has charged me interest on their late charges 4 ) Whether NFCU has reported the late charges ( their profit ) to the credit bureaus as late payments I think I have a right to get this information and the amortization schedule they sent does not list items 1-3. 

XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Around XX/XX/XXXX I tried to get my free credit report online from Equifax via the Annual Credit Report website. I answered all questions and then was presented with a webpage telling me I could not access my report online. I thought perhaps that I had requested it less than a year from the previous request. I subsequently requested and received my report by mail. The same problem was repeated this year around XX/XX/XXXX. After following the directions, I was again presented with the webpage saying I could not access the report online. I tried again several times since then including today ( XX/XX/XXXX ) with the same results. Sometimes I would be asked security questions and sometimes there would be no questions before telling me I could not access the report online. I made several phone calls to Equifax customer service including a supervisor. I explained the situation telling them I wanted online access. I asked them for help to do that. Each time I was told that Equifax was unable to help me since the website is on a " government computer ''. The Supervisor told me there may be a problem with my file and that I should call the dispute department. I called the dispute department today and was also told that the website was on a " government computer '' which meant they could not help. No one ever made any attempt to help me figure out the solution to my problem. Everyone was adamant that Equifax could not help me. The dispute department suggested that I do a web search to find out what agency in the government could fix my problem. I was able to find the CFPB so I could file this complaint against Equifax. I would like to receive my credit report online but have no idea what I am doing wrong or if there is some other issue keeping me from having access. I should note that I made every attempt to ensure my answers to the security questions were correct. I never was told that any answer was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
An attempt was made to submit a REQUEST FOR LIEN RELEASE to Citifinancial 's Lien Release Dept. I made contact via their recorded message line at XXXX ( dead end ) AND followed the instructions to submit an emailed message with attachments to email : XXXX ( another dead end - message " returned as undeliverable '' ). 

The following information was submitted for a " release '' draft from their Citifinancial office to perfect title of property burdened with an open Mortgage originated with XXXX XXXX XXXX XXXX on XX/XX/94. 

PROPERTY ADDRESS : XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX & LOT/Parcel # : XXXX CURRENT OWNER : XXXX XXXX FORMER OWNERS/BORROWERS/MORTGAGORS : XXXX XXXX and XXXX XXXX ( wife ) MORTGAGEE : XXXX XXXX XXXX XXXX ( Now Known As CITIFINANCIAL ) *See attached Title Search for copy of Mortgage and last recorded Deeds of record.

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 2018-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I paid off my loan on Wednesday XX/XX/18. The company refuses to take the final amount out of my checking account. I contacted the company through email multiple times to find out why there is a delay and they keep instructing me to call them. I called and no one can give me an answer on my loan. I believe they are going to resume withdrawing money from my checking account biweekly, instead of completing the payoff.

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 2018-04-27 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: GA

Complaint narrative:
I recently went online and checked my credit report and found several items on my credit report that were fraudulent accounts and addresses. I filed a police report and contacted the companies but had no resolutions. Below I will list the company and address on my Experian that are incorrect. 

Experian : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Open:XX/XX/2018 Account Balance : {$300.00} Experian fraudulent address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( never been associated with this address )

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 2018-04-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: WA

Complaint narrative:
on XX/XX/2018 my SSI loaded XXXX debitcard issued by XXXX XXXX bank [ in XXXX XXXX tx. ] ... was defrauded of a {$700.00} withdrawl. 

after repeated attempts to report this i finally recieved, filled out and returned their " Questionaire of Fraud Report '' ... returned by mail.XX/XX/2018 [ to XXXX ] .... 

i have recieved no further communication of any kind ... 
today 's date is XX/XX/2018 enclosed are photos of the questionaire of fraud report ( Card number submitted in this complaint is old { cancelled } card number ) New card has been issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
In 2009 tried to reduce the interest on the Sallie Mae/Navient consolidated loan to the rate being charged on student loans and was told that because it was a consolidated loan the interest rate of 9 % could not be lowered to the federal student loan rate, at that time approximately 3 %. Now the current rate f.or federal student loans is 6 %. Navient, a private loan company, is getting rich off of federal student loans that it keeps at a high rate of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
Received a debt collection notice via mail on XX/XX/2018. Company that supposedly purchased the debt ( {$1800.00} ) is XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ga. XXXX. The current creditor is shown as XXXX XXXX XXXX XXXX, XXXX which is also located at the above address. Have called XXXX several times with no answer or response. Original debt was supposedly XXXX XXXX, a company that does XXXX  work and was closed and later bankrupt due to medicare fraud and other bribery issues. Have never heard of any of these companies and am 100 % sure that I would have no need for the services that XXXX XXXX provides. This appears to be a scam. I have attached the mailing for your use. Thanks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: TX

Complaint narrative:
I checked my credit report on Experian in XX/XX/XXXX and found a collection from XXXX XXXX XXXX XXXX for {$320.00}. However i paid that original bill of {$280.00} in full to XXXX XXXX XXXX on XX/XX/XXXX. 

I opened a dispute on Experian 's web site and uploaded proof of the payment, but it was not removed from my credit report. I called the phone number listed on XXXX XXXX. XXXX XXXX XXXX web site for their billing service and they told me they no longer bill for them and to call XXXX XXXX. XXXX XXXX XXXX directly. 

XXXX XXXX. XXXX XXXX XXXX gave me the number of XXXX ( their previous biller ), but XXXX told me to speak to XXXX XXXX. XXXX XXXX XXXX and neither of them can find my account as I'm told the billing companies switched in XXXX. 

Experian 's web site says I can add a comment to this collection explaining my side of the story but there is not a way to actually do that! I spoke to someone on the phone at Experian who was not helpful in resolving this matter, and so I saw the option to contact the CFPB for further assistance. 

Sincerely, 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 explanation
Consumer complaint received 2018-04-27 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: NV

Complaint narrative:
On my Equifax credit report, I have a negative item from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NV XXXX in the amount of XXXX. 

On several occasions over the past month I have disputed with Equifax that this debt was was actually paid as agreed, and requested proof that the debt was not paid as agreed. Each time I receive a reply that that have confirmed that the debt is being reported accurately. 

However, on not once has Equifax or XXXX XXXX XXXX XXXX been able to provide me with a single document showing that I did not pay the debt as agreed, even though I have requested such documentation. It appears that Equifax is simply asking XXXX XXXX XXXX XXXX " are you reporting this accurately '' and taking their word for it. 

How can Equifax be verifying this debt without having some sort of back up documentation that it was not paid as agreed? Why hasn't this documentation been provided to me? A ledger card, contract, or any number of other items would suffice in proving this debt was not paid as agreed. I have attached my most recent request to Equifax that outlines some examples of documents that would satisfy me as proof that I did not pay this debt as agreed. 

How can it possibly be legal, or ethical for a company to that is responsible for providing accurate consumer information to report such information and then claim that have verified it without providing appropriate documentation of the debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a phone from Portfolio Recovery Associates regarding a debt they said I owed XXXX XXXX they said they account was open XX/XX/2011, the collector also informed me because of the age of the account they could not suit me. I told them I didn't open an account with XXXX  XXXX in XX/XX/2011 and I requested a Validation of debt, I never received anything. Time passed and they call again and again I requested a Validation of debt and I were disputing the charges. They send a statement saying they received electronic records from XXXX XXXX. I disputed the charge with the 3 credit  bureaus and XXXX XXXX XXXX still would not remove this from my reports. I recently send a written requested for Validation of debt. Also they are re-aging this account. I informed them that I was aware of my rights as a consumer, and it was a serious violation to re-age accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX  XXXX XXXX is reporting fraudulent accounts to early warning services which is preventing me from opening any accounts with other banks. I was a victim of ID theft. XXXX XXXX XXXX has not provided any documentation with my signature showing that I open the accounts with their bank. I have submitted my ID theft form to early warning services for these charges that I am unaware of and did not authorize. Early warning services is still reporting the inaccurate information on my consumer reports. Per law all fraudulent information must be blocked within 4 business days after receiving proper documentation, that has not been done. I am aware of my consumer rights this is ruing my approval chances with other banks. I have contacted a consumer lawyer regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Company constantly harasses myself and will contact my parents home phone number even though they know that I no longer live there. My parents have repeatedly told them to remove their number off their call list and they refuse to do so. I have let them know that I will contact them when I'm able to pay them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX - Invoice paid and should have never been reported to collection or the credit bureaus. Account # XXXX in the amount of {$580.00} XX/XX/XXXX - Quality Asset - medical invoice not mine and should not be reported to the credit bureaus. Account # XXXX in the amount of {$140.00} XX/XX/XXXX- Quality Asset Recovery- invoice doesn't belong to me and should not be reported to the credit companies. Account # XXXX in the amount of {$100.00} XX/XX/XXXX- Quality Asset Recovery- invoice not mine and should not be reported to me. 
account # XXXX in the amount of {$100.00}

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 2018-04-27 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have had an on going problem with this company. I have a 30 day late for XX/XX/XXXX which was not late. According to TFS my payments on this account were due on XX/XX/XXXX, the car was totaled out XX/XX/XXXX and the account was paid off as of XX/XX/XXXX which means the payment for XX/XX/XXXX was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I reserved a cargo van from XXXX to move from XXXX California to the XXXX area. Originally I made the reservation for one week not knowing how long it would be needed. After the first week expired I called their hotline to let them know I would need it a bit longer, they said no big deal. Thinking everything was fine an dandy I kept the vehicle for another week ( apparently I was wrong ). I received threatening phone calls after the next week stating " the vehicle must be returned immediately or we will notify police and have you arrested ''. Mind you I was still in the XXXX XXXX with limited cell reception. I rushed my way back to the nearest airport in CA. I returned the vehicle as soon as possible. A few weeks later I received an outrageous charge of nearly {$4000.00} for a rental that should have cost {$500.00}. XXXX has been known to commit this type of fraud in the past, previously they've had to pay millions of dollars in settlements for these sorts of crime. It is very disheartening to see that these types of things are still happening till this day.

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 2018-04-27 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: VA

Complaint narrative:
I am a victim of identity theft and I have filed a complaint with EXPERIAN Credit Bureau to have the fraudulent accounts that they have been reporting to be block. I have asked Experian Credit Bureau to remove the FRAUDULENT ACCOUNTS listed below that remain on my credit report in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 )  appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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