vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I contacted this collection agency and informed them that this debt is not mine and asked them to validate it but they could not prove me with proof that this debt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I contacted this agency and informed them that this debt is not mine and asked them to validate it but they could not prove me with proof that this debt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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:
I notified all 3 credit bureaus that they were reporting erroneous information on my credit reports and that I had notified the companies that there were unauthorized accounts listed in my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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:
I notified all 3 credit bureaus that they were reporting erroneous information on my credit reports and that I had notified the companies that there were unauthorized accounts listed in my 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 2017-11-29 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:
I notified all 3 credit bureaus that they were reporting erroneous information on my credit reports and that I had notified the companies that there were unauthorized accounts listed in my 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 2017-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
NATIONSTAR HAS BEEN FOUND GUILTY OF COUNTLESS CRIMINAL ACTS AND THEY HAVE ADMITTED THESE CRIMES WERE COMMITTED ON PAPER AND IN THE CFPB REPLIES. THIS CONFRIMATION OF MULTIPLE ILLEGAL ACTS IS UNDENIABLE AND IRREFUTABLE. 

WE WILL KEEP THIS COMPLAINT SIMPLE. ****FEDERAL LAW REQUIRES A CORRECTED LOAN PACKET ON THE NATIONSTAR / MR COOPER LOAN FOR XXXX XXXX XXXX XXXX FLORIDA ... BECAUSE LOAN FRAUD WAS FOUND IN INITIAL LOAN DISCLOSURE ... WIND INSURANCE WAS LEFT OFF ALL ESCROW AND LOAN PAPERWORK ... TO MAKE IT APPEAR THE MISLED CONSUMER WAS SAVING MONEY WHEN IN FACT THEY WERE PAYING MORE**** ***THE ATTITUDE, INTENTION OR PERSONAL GOALS OF INDIVIDUAL PERSON COMMITTING THE ACT ARE IRRELEVANT ... INTENTIONAL OR INADVERTANT ... THE LAW IS THE SAME. 30 DAYS TO CORRECT ERROR OR LOAN IS INVALID*** WE ARE REQUESTING THAT THEY PROVIDE THE CORRECTED LOAN PACKET, SIGNED BY ALL PARTIES, OR THEY IMMEDIATELY RESCIND THE LOAN AND CEASE ALL COLLECTION ATTEMPTS PLEASE NOTE THAT NATIONSTAR , XXXX XXXX, XXXX XXXX AND MR COOPER HAVE ALL BEEN AWARE OF THE FEDERAL LAW THEY ARE NOT FOLLOWING AND THEY ARE REFUSING TO COMPLY ***NEW EVIDENCE FOR NATIONSTAR*** YOU REQUESTED NEW EVIDENCE ... HERE IT IS, XXXX XXXX IS GUILTY OF RUNNING A CRIMINAL SCAM XXXX XXXX KNOWS HE HAS SOLD HOMES HE NEVER LEGALLY OWN XXXX XXXX HAS ORCHESTARTED ILLEGAL SALES USING A SCAM KNOWN AS " PORTFOLIO TRANSFER '' NATIONSTAR EMPLOYEES LIE TO CONSUMERS ON THE PHONE AND STEAL MONEY FROM THEM ON A DAILY BASIS THE LAST 2 PAYMENTS I HAVE MADE WERE STOLEN AFTER THE FREP LIED TO ME ON THE PHONE ***YOU HAVE NO CORRECTED LOAN PACKET ... YOU KNOW THIS ... GIVE UP ALREADY AND FOLLOW THE LAW!!! *** A SIDE NOTE FOR NATIONSTAR ... WE CAN EASILY PAY THIS MORTGAGE IF YOU PROVE YOU HAVE A LEGAL LOAN. SINCE YOU CAN NOT ... THE LEGAL OBLIGATION TO PROVE ABILITY TO COLLECT FALLS ON YOU. 

COMPLY ... NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I contacted this company and informed them that someone opened an unauthorized account using my personal information and this is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a checking/savings account with Citibank, among other Citi services. I originally had a product called Ultimate Savings Account with the accompanying checking account and had these accounts for nine years. With these accounts I received free ATM reimbursements, free wire, ACH transfers. It was a fee free checking account. Appx a year ago I was bumped, without my consent, into Citigold, Citi 's premium tier for high deposit amounts. I did n't want this service as it required me to maintain a high balance with Citi at essentially no/nominal interest. When I called Citi to tell them I wanted the account products I had for years back, they moved me to the Citibank Account Package product which still requires a {$10000.00} min balance. I recently found out this is totally different than my original services. I have been charged several ATM fees. I was recently charged {$15.00} to wire a {$25000.00} *intoXXXX my Citibank checking account. This is completely abusive and I never agreed to these terms. In total I have been charged {$55.00} in fees which should have never applied with {$4.00} ATM fees and a {$15.00} wire transfer fee in the last week. I have contacted Citibank, but, of course, their customer service has not done anything to rectify this situation. 

This seems to be a systemic issue in which XXXXiti moves their high balance customers into Citigold, without their consent ( I never signed or approved anything ) which allows Citi to essentially trap customers into allowing Citi to hold substantial amounts of funds at no/nominal interest. If you tell Citi you do not want this service, they put you into a check product that has a fee for every action ( and amazingly still requires a {$10000.00} balance ).

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 2017-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
6 attempts in writing as well as notarized letters have been made to Simon Agency to provide validation for items that they are reporting on my credit report. This has been going on since XXXX. The Simon Agency has ignored my requests for validation and continue to report incorrect and false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: AES/PHEAA
State: MD

Complaint narrative:
I was let go from my job today XX/XX/XXXX and I reached out to AES and they stated there was nothing they can do to help me. 

Im struggling here because I already filed bankruptcy in XX/XX/XXXX due to having over $ 232k in student loans and I got upside down using credit cards to make loan payments. 

My student loans were not discharged or lowered and Im not in that same position. 

Its sad. I have tried to work with AES so much but, they are impossible. Multiple emails, live chats and calls and same thing - they can not do anything. My salary made it look like I could afford it but, with $ XXXX in student loans l, $ XXXX in cc, a car payment, rent and medical bills. Im hurting - bad. Now losing my job Im terrified. 

I did put a borrower defense claim in for my grad school loans with XXXX XXXX because of false advertising, misleading info and not transferring credits, etc. then I have mother private loan with XXXX XXXX but they are working with me nicely. 

XXXX : XXXX XX/XX/XXXX-XX/XX/XXXX and XXXX XXXX XX/XX/XXXX-XX/XX/XXXX Grad : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX AES ID : XXXX XXXX XXXX ID : XXXX XXXX XXXX  ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I disputed this account with the company due to identity theft and they failed to provide proof that the account belonged to me and failed to removed it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Since XXXX, XXXX attempts to validate this debt have been made, company refuses to validate

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 2017-11-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have already submitted complaints about my credit scores dropping for no good reason to XXXX and equifax. My reports clearly show that my payments are 100 % on time with no derogatory marks. This is a form of corruption that has to stop with these reporting agencies. are they working in cahoots with the insurance companies to make you pay higher premiums? It is good to know that president trump has gotten rid of your former CEO. He was no help with these issues at all. I will file a law suit against equifax and XXXX if they do not put my credit scores back to where they belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I disputed this account with the company due to identity theft and they failed to provide proof that the account belonged to me and failed to removed it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: GA

Complaint narrative:
I am a victim of identity theft. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.

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 2017-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX purchased junk debts - Debts were discharged in Bankruptcy 2011 They have reached Accounts - Changed dates Inflated amounts They refuse to correct

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: GA

Complaint narrative:
I am a victim of identity theft. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 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 am a victim of identity theft. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.

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 2017-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have already submitted complaints about my credit scores dropping for no good reason to transunion and XXXX. My reports clearly show that my payments are 100 % on time with no derogatory marks. This is a form of corruption that has to stop with these reporting agencies. are they working in cahoots with the insurance companies to make you pay higher premiums? It is good to know that president trump has gotten rid of your former CEO. He was no help with these issues at all. I will file a law suit against XXXX and transuion if they do not put my credit scores back to where they belong.

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 2017-11-29 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: NJ

Complaint narrative:
Equifax continues to report inaccurate information on my account -items have been disputed, however, they continue to report and are causing me problems

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Repeated ROBO calls over almost a year to collect a debt. Unable to speak to anyone about the debt. Wrote a letter twice, returned twice, address in not accurate. I do n't owe anyone any debt. At one time a physical therapy business did n't credit my ( and my husbands ) accounts appropriately and I may have been sent to collections in error. I resolved this issue with the PT business directly and actually had a credit balance. I do n't know how to contact debt collector to ask for written information regarding this " debt ''. I 'm afraid to be bullied or make things worse if I speak to them in person. I 've never had outstanding debts, my credit score is usually around 800. The collector is Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: NJ

Complaint narrative:
XXXX continues to report inaccurate information on my account -items have been disputed, however, they continue to report and are causing me problems

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 2017-11-29 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: NJ

Complaint narrative:
XXXX continues to report inaccurate information on my account -items have been disputed, however, they continue to report and are causing me problems

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 2017-11-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX applied a late payment to my credit in XX/XX/XXXX. It is now XX/XX/XXXX and the late payment was supposed to be removed. That was the ONLY late payment on this account. The card is still active & in good standing but they wo n't remove the late payment.

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 2017-11-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX applied a late payment to my credit in XX/XX/XXXX. It is now XX/XX/XXXX and the late payment was supposed to be removed. That was the ONLY late payment on this account. The card is still active & in good standing but they wo n't remove the late payment.

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 2017-11-29 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: TX

Complaint narrative:
cra violation inaccurate information or id theft victim i sent 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 2017-11-29 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: TX

Complaint narrative:
cra violation inaccurate information or id theft victim i sent 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 2017-11-29 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: CA

Complaint narrative:
I am in the process of consolidating my credit score, Equifax just dropped my score by 43 points, when a week earlier I 've paid my balances and was expecting to have it raise. Besides the fact that I 'm a victim of the identity theft this company keeps hurting my future and present profits, through wrongfully calculated credit score. If a human would do that, they would probably be fired/sent to jail/ or had to quit their business, but as a soulless corporation it had no repercussions to suffer from their irresponsible, criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
on XXXX/XXXX/XXXX Midwest Recovery Systems, XXXX placed a collection item on my XXXX credit report and then on XXXX/XXXX/XXXX they contacted me by phone about an installment/payday loan (? ) from XXXX XXXX XXXX. At that time I indicated that I had no knowledge of this debt and requested that they send me something in writing so I could investigate. They only thing they wanted to reference ( verbally ) was an IP address which means nothing to me.

It 's now XXXX/XXXX/XXXX and I still have n't received anything in writing from them. It 's my understanding that they must send me something in writing within 5 business days of initial collection action/contact. 
Ironically, on my credit report there 's already a notation that this is disputed and I did n't file this. I 'm assuming that it was done by XXXX, but I do n't know.

Company response to consumer: Closed with explanation