vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 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: Nelnet, Inc.
State: VA

Complaint narrative:
My son attended XXXX University 10 years ago for one year which I paid for under a Parent Plus Loan. Someone other than myself signed a Private loan for a second year however several key information items were incorrect in the loan application including misidentifying my wife 's name, email address along with signature dates. The loan application was electronically signed with my son 's name and me as co-borrower. I filed an identity theft report with the XXXX County Police who were unable to investigate as too much time had past between the filling of the complaint and the original loan. I became aware of the loan only after 3 years and six months from granting and paying XXXX University as the loan was in deferment until the forecasted graduation date plus six months. The loan has been in collection for over 7 years ; is now charged off but listed as a charge off against my credit score. As this is the result of ID theft and the creditor failed to establish liability within the statue of limitations in Virginia I have repeatedly ask each of the credit reporting agencies to remove from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I been a bank of America customer for well over five years. The service they are currently providing involves checking accounts as well as a couple of credit cards. The issue revolves around one the credit an account open in XX/XX/2016, which I been using actively. through out the years bank of America has issued me certain credit limit increases based on my request and or payment history. However, for reasons unknown to me bank of America has dropped my credit limit from {$5000.00} to {$3000.00}. The action affects my account negatively since by reducing my available credit limit bank of America is increasing my credit usage. A factor that is determinant toward maintaining an ideal credit score. The credit usage is the second most important score within a credit score, second only to on time payment and accounting for about 30 % of a credit score.I am yet to know the effect such action will have on my score but chances by next month it will reflect the damage to my credit score. In any case, it feels as if bank of America is trying to coerce me.

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 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Law Office of Mitchell D. Bluhm & Associates reported a derogatory account in my credit report from XXXX XXXX HOSPITAL for the amount of {$730.00} without any forewarning notification. 
Last time I went to XXXX XXXX hospital was 12 years ago and I paid all services provided through my insurance and co pays. 

This is a fraudulent attempt to collect a false balance as a derogatory debt. You must be desperate for money if you are attempting to collect on 12 year old accounts. 
No other data was given in my credit report except for a balance and Original Provider name. How illegitimate can you possibly be?

Law Office of Mitchell D. Bluhm & Associates has a long history of fraudulent activity reported in the Better Business Bureau with hundreds of victims. 

Here is the information to Mitchell D. Bluhm & Associates : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 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: VA

Complaint narrative:
Transunion is still showing the current balance as {$220.00} which in turn is affecting my credit report evidenced by the fact that when I simulate my credit score and try and pay off {$220.00} the credit score changes to XXXX! See relevant Transunion page below Account Number XXXXXXXX  Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX   Monthly Payment 55 Last Payment XX/XX/2019 Status OK Loan Term 0 Loan Type Credit Card Opened XX/XX/2019 Reported XX/XX/2019 Remarks Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , NY XXXX Phone # : 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 2019-06-13 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: TX

Complaint narrative:
I have told Transunion several times that these things DO NOT belong to me. I have submitted an identity theft report and police report in the past and they continue to report fraudulent information. I am asking again that the following things be removed because they are not mine and I did not give any company permission to review my credit report. Louisiana XXXX XXXX & the following inquires XXXX/XXXX, XXXX/XXXX, XXXX XXXX and XXXX. I have never lived at the following address either XXXX XXXX XXXX XXXX XXXX AL XXXX & XXXX XXXX XXXX XXXX, LA 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 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems sent me a letter in the mail stating that I allegedly owed a debt. I sent them an immediate response saying that the debt was not mine, and asked them to validate as well as prove that they are legally licensed to collect debt in Florida. 

It has been 2 months now and I have not received a reply, and noticed that they placed the account as in collections on my credit report, without validating the debt. This is illegal and will also be reported to the Florida Attorney General as well as the Consumer Financial Protection Board.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: VA

Complaint narrative:
My son attended XXXX University 10 years ago for one year which I paid for under a Parent Plus Loan. Someone other than myself signed a Private loan for a second year however several key information items were incorrect in the loan application including misidentifying my wife 's name, email address along with signature dates. The loan application was electronically signed with my son 's name and me as co-borrower. I filed an identity theft report with the XXXX County Police who were unable to investigate as too much time had past between the filling of the complaint and the original loan. I became aware of the loan only after 3 years and six months from granting and paying XXXX University as the loan was in deferment until the forecasted graduation date plus six months. The loan has been in collection for over 7 years ; is now charged off but listed as a charge off against my credit score. As this is the result of ID theft and the creditor failed to establish liability within the statue of limitations in Virginia I have repeatedly ask each of the credit reporting agencies to remove from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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:
My son attended XXXX University 10 years ago for one year which I paid for under a Parent Plus Loan. Someone other than myself signed a Private loan for a second year however several key information items were incorrect in the loan application including misidentifying my wife 's name, email address along with signature dates. The loan application was electronically signed with my son 's name and me as co-borrower. I filed an identity theft report with the XXXX County Police who were unable to investigate as too much time had past between the filling of the complaint and the original loan. I became aware of the loan only after 3 years and six months from granting and paying XXXX University as the loan was in deferment until the forecasted graduation date plus six months. The loan has been in collection for over 7 years ; is now charged off but listed as a charge off against my credit score. As this is the result of ID theft and the creditor failed to establish liability within the statue of limitations in Virginia I have repeatedly ask each of the credit reporting agencies to remove from my 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 explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERIS BANCORP
State: FL

Complaint narrative:
I opened a checking account with Ameris Bank on XX/XX/19, followed the step which is two monthly direct deposit of {$250.00}. the fine print said to have two monthly direct deposit of {$250.00} within 90 days upon account opening a {$100.00} bonus will be deposited to the account after 60 days, it's almost 90 days now, a bonus was not credited to my account. I call customer service several times action was not taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: TX

Complaint narrative:
Equifax keeps reporting fraudulent and incorrect information after I have submitted an identity theft report as well as a police report. I have never lived at XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX & XXXX XXXX XXXX XXXX, LA XXXX. The following accounts are fraudulent XXXX XXXX XXXX, LA XXXX XXXX XXXX. These inquries are not mine & I did not give anyone permission to look at my credit from these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, IXXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, & XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I got the promotion from Citi about opening Preimier card and I could XXXX reward points. On the website, Citi clearly mentioned first year $ XXXX Year was waived ( also see attached image for evidence ). However, I got charged the first year annual fee immediately after activating the card. I tried to follow up with Citi but they told me i am not eligible for the waiver. I am very frustrated as it is clearly mentioned on the website. 
Please advise and refund my mischarged fee.

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 2019-06-13 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: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I was made aware of a situation last Friday ( XX/XX/2019 ) that has adversely impacted my credit and that was essentially a technical glitch resulting in delayed payments. Specifically, I made a change to my auto-payments ( increasing the draw amount ) in XXXX and did not realize that there would not be an automatic payment made to my account as a result in XXXX. My auto-payments resumed in XXXX but I was under the assumption that they were being paid on time each month when actually Ive been running a month behind since I made the change, unbeknownst to me. I was shocked to learn when finally alerted 6 months later that my account was in default, despite regular monthly payments being made, and was told that my credit has been significantly and negatively impacted. Ive been informed that my only recourse is to request that the lender, Mr. Cooper, update or correct this reporting to all appropriate credit bureaus. I did so via email as advised and was told that I could expect a reply within 24-48 hours. Nearly a week later, I've had no reply and no resolution. 

I went back and checked my account notifications and website messages and there was absolutely nothing indicating a problem until XX/XX/2019. Each month I received notifications that my payment had been received. Mr. Cooper said that they had tried calling a phone number but that phone number was not a correct phone number. They didn't try the secondary number that had on file ... which was the correct phone number ... until 6 months after the fact. 

My credit has always been good and I'm very distressed to have this issue, particularly since I've received no acknowledgement or help at all from the lender to rectify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
On XX/XX/19 at XXXX they called and it was automated. I have never received any written notice from this company. I also have never had contact with them before this so I did not give them my phone number or permission to contact me via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: CORELOGIC INC
State: GA

Complaint narrative:
An unauthorized credit inquiry was posted to my report from XXXX between the dates orXX/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 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I went in for a credit check with my financial counselor when I noticed a collections account from Hairs & Hairs.With the original creditor being, the XXXX XXXX  XXXX XXXX in the City of XXXX XXXX. I never attended or even been to this place before. My financial counselor sent out a debt validation regarding this debt and we have not heard back at all regarding such debt. This debt is not mine, and I would like assistance with this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I received a letter from the IRS dated XX/XX/XXXX saying that they received a XXXX from Ditech Financial LLC claiming I had a debt of {$20000.00} in XXXX and I needed to pay taxes on the Cancellation of debt, about {$3000.00} dollars. 

Ditech Financial LLC XXXX XXXX XXXX XXXX, AZ XXXX I mailed and faxed a dispute on XXXX to Ditech explaining I have never applied for any kind of credit from Ditech Financial LLC. I requested a copy of the 1099-C and any information they may have regarding this fraudulent debt under my name. I suggested investigation should be open immediately within Ditech Financial LLC to get this matter resolved as soon as possible and clear my name. 

I informed, faxed evidence of identity theft to the IRS personnel XXXX XXXX XXXX, stating that was not my debt and asked for an investigation to be opened with tax fraud to get this off of my name. The IRS didn't do anything and is still trying to collect taxes on the debt from Ditech. 

I received no letters or phone calls or any action was taken to resolve this matter from Ditech or the IRS, today is XX/XX/XXXX and nothing has been resolved. 

I informed the Credit Bureaus as soon as this happened and they placed an Identity theft alert on my profile right away. I have contacted local police to open an investigation as an attempt to get this resolved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
I had an account in collection with Associated Credit Services, Inc regarding XXXX XXXX XXXX. The account has been paid and stills showing in my credit report as collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I am writing to dispute a billing error ( fraudulent usage of my debit card ) in the amount of {$150.00} with four fraudulent charges made on my account. The amount is inacurrate because someone fraudulently used my card after I lost it and was used at XXXX XXXX XXXX where I have never been. I followed all electronic Funds transfer rules and notified USAA immediately within an hour and the card was cancelled. The USAA employee said she would put in a fraud on those charges but never did. I spoke with someone in Security and he said they couldn't add the money back in because I did not file a police report even though no one told me I needed to. I filed a police report and sent a registered letter to USAA and never received any response from them after waiting three weeks.

It is clear to me that USAA could care less about their customers and saw how many complaints about them on claims. Do not use them and keep in mind that those people in the commercials are clearly paid to say good things. They just use military people to make money off of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XX/XX/2018 I instructed Citizens Bank to make an electronic payment using the Citizens Bank mobile banking app. The payment was for {$3100.00} and was to be sent to XXXX XXXX as the payment processing bank for my XXXX MasterCard which had been opened in XX/XX/2018. The payment of {$3100.00} was the full amount of the statement balance and my instructions to Citizens was this electronic payment was the be sent on XX/XX/2018 to in time to meet the payment due date of XX/XX/2018. By reviewing my bank transactions on-line on XX/XX/2018 I determined that the transaction had not been processed. I visited Citizens bank on Friday XX/XX/2018 and learned that Citizens had opted to prepare a paper draft drawn on my checking account and send it via mail in lieu of the electronic payment as I had instructed. The banks stated reason for this action was to protect my funds from being misdirected as in their experience, a paper check was easier to track than an electronic payment. The banks customer service person made calls to Citizens Bank payment processing departments as well as to XXXX  customer service department only to learn that neither Citizens nor XXXX could provide information as to the whereabouts of the {$3100.00} payment. In the following week, I learned that the paper check ( # XXXX ) that Citizens had prepared had been processed by XXXX XXXX XXXX for credit to their customer, XXXX. Over the next several months, I made several visits to Citizens, made several phone calls to Citizens, XXXX and XXXX, all to no avail. In XX/XX/2018, acting on Citizens instructions, I filed a sworn affidavit regarding a fraudulent check claim ; it also proved fruitless. Citizens instructed me to contact XXXX XXXX and/or XXXX, as in their words, Citizens had done what they were instructed to do and they could not assist me any further. I have filed a complaint with the Massachusetts AGs office and their efforts have also produced no results. This matter is now eight and one-half months old and I have incurred an additional {$170.00} in interest charges while trying to resolve this matter. I have a very detailed written description of these facts with account numbers, addresses and names and telephone numbers of people whom I have contacted as well as notes of the substance of each conversation. As of this writing, I am still without my funds.

Company response to consumer: Closed with explanation