vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been charged overdraft fee in excess of what needs to be charged. 
I had a balance of {$1100.00} on XX/XX/XXXX. 
$ XXXX=-XXXX ( Debit ) XXXX ( Balance ) - {$1100.00} - XXXX ( Debit ) XXXX {$1100.00} XXXX ( Debit ) XXXX {$1000.00} XXXX ( Debit ) XXXX $ XXXX ( Debit ) XXXX ( Balance ) Then on XX/XX/XXXX1. {$560.00} XXXX ( Debit ) = $ XXXX XX/XX/XXXX 2. - {$110.00} ( Debit ) 3. - {$150.00} ( Debit ) XX/XX/XXXX: Mobile deposit = {$1000.00} Mobile deposit = {$61.00} XX/XX/XXXX = $ XXXX I had a total of 3 overdraft during this time and i should have been charged an overdraft fee of {$37.00} X3 = {$110.00}. But I have been billed an overall overdraft fee of {$180.00}. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: CA

Complaint narrative:
XXXX XXXX XXXX ACCOUNT IS NOT MINE, PLEASE REMOVE THE ACCOUNT FROM MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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: PA

Complaint narrative:
I have contacted Trans Union and XXXX in the past to have them remove fraudulent inquiries on my report. I kept getting alerts that my credit file was pulled when I haven't been applying for credit. They are refusing to remove them and is advising me to contact each individual companies to have them removed. That is not my job and is time consuming I think I have some identity theft that they are trying to cover up or credit inquiries that were reinserted after deletion. 

Inquiries - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: PA

Complaint narrative:
I have contacted XXXX XXXX and Equifax in the past to have them remove fraudulent inquiries on my report. I kept getting alerts that my credit file was pulled when I haven't been applying for credit. They are refusing to remove them and is advising me to contact each individual companies to have them removed. That is not my job and is time consuming I think I have some identity theft that they are trying to cover up or credit inquiries that were reinserted after deletion. 

Inquiries - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: MO

Complaint narrative:
Someone fraudulently used my information snd/ or the misleading information derived from Equifax breach. However, I have unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to the FCRA, these inquiries should be removed if not mines, nor have any agency provided me with any physical verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: MO

Complaint narrative:
Someone fraudulently used my information snd/ or the misleading information derived from XXXX breach. However, I have unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to the FCRA, these inquiries should be removed if not mines, nor have any agency provided me with any physical verification.

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 2018-04-26 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Someone fraudulently used my information snd/ or the misleading information derived from XXXX  breach. However, I have unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to the FCRA, these inquiries should be removed if not mines, nor have any agency provided me with any physical verification.

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Not only have I been a victim of fraud, I also was a victim of the Equifax breach .And now there's collections dated XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX XXXX XXXX ) on my report. To keep this on my report goes directly against the language in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I do not currently have the ability to repay my loans. I have asked to have my payments lowered to a range that i can afford. I have had my loans in and out of forbearance since 2015. I can't repay the amount they want and Navient refuses to help me. Hoping i can get some help through here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Not only have I been a victim of fraud, I also was a victim of the XXXX breach .And now there's collections dated XX/XX/2017 ( XXXX ), and XX/XX/2017 ( XXXX XXXX XXXX ) on my report. To keep this on my report goes directly against the language in the FCRA.

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Not only have I been a victim of fraud, I also was a victim of the XXXX breach .And now there's collections dated XX/XX/2017 ( XXXX ), and XX/XX/2017 ( XXXX XXXX XXXX ) on my report. To keep this on my report goes directly against the language in the FCRA.

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 2018-04-26 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: MO

Complaint narrative:
After my initial complaint XXXX investigated and deemed the accounts was not mines. Their decision was by far correct, and in accordance with the FCRA all criteria was met. However, after many attempts Transunion did just the opposite and today them same accounts remains on my report. The following closed dated accounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: MO

Complaint narrative:
After my initial complaint XXXX investigated and deemed the accounts was not mines. Their decision was by far correct, and in accordance with the FCRA all criteria was met. However, after many attempts XXXX did just the opposite and today them same accounts remains on my report. The following closed dated accounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: MO

Complaint narrative:
There's 8 unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, until these agencies provide me with physical verification as requested over 90 days ago, all the above should be removed as stated in the FCRA law.

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 2018-04-26 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: MO

Complaint narrative:
There's 8 unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, until these agencies provide me with physical verification as requested over 90 days ago, all the above should be removed as stated in the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There's 8 unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, until these agencies provide me with physical verification as requested over 90 days ago, all the above should be removed as stated in the FCRA law.

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 2018-04-26 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: PA

Complaint narrative:
Despite filing a dispute with Equifax and placing a credit freeze on my file I am still receiving inquiry alerts and Equifax refused to remove fraudulent inquiries on my credit report despite being advised that I am a victim of Identity Theft as my information was compromised in their Breach. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Windham Professionals, Inc.

Complaint narrative:
I was told that after ten months of making payment toward my student loan, I will be eligible again for federal student aid to attend college. 
Well, I reapplied this year and am still getting the same " The National Student Loan Data System ( NSLDS ) indicates that you are in DEFAULT on one or more federal student loans. You are not eligible to receive any federal student aid until you resolve any loan default ( s ). '' Please see attachments. 

Note : I am in the country of XXXX XXXX but I selected XXXX ( the closest country to mine ) because my country is not listed among the countries to choose from. Thanks.

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 2018-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander has overcharged me fees on my loan. Charged me fees to pay for my loan online. When I filed a motion to the court under bankruptcy protection they provided a contract that did not belong to me and tila disclosure I did not sign. When we were to go to the hearing to object on the issue they repossessed my vehicle illegally with unlicensed agent in an unmarked vehicle the night before the hearing so I could not show up to the hearing. A violation of any law no matter how minimal eliminates the right to self-help repossession. I believe GAP coverage was added without my consent and authorization. Santander charged me a high-interest loan over what is allowed by law. Several states have already settled lawsuits on the same matters I have mentioned here. I am requesting that the matter be settled here and my vehicle returned my outstanding loan paid off as part of a mutual agreement. The vehicle has already been charged off. I will seek a class action and contact the attorney general to further address these issues and write a formal complaint if my situation is not rectified immediately. I will contact any and all state and federal regulators to further investigate the facts I have presented here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover closed my credit card without indicating any reason, most likely to avoid having to pay out for the significant amount of rewards I have accumulated. By closing my card before the first year promotion, " We'll match all the Miles you've earned at the end of your first year. ", Discover is avoiding having to pay double the rewards. This is a complete switch and bait scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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: NV

Complaint narrative:
I just received a credit alert from Equifax that XXXX XXXX XXXX pull my credit, I haven't applied for any auto loan, this is another fraudulent hard inquiry. I have been a victim of identity theft in the past and I have a fraud alert in my credit report but this company XXXX XXXX XXXX never called me to ask me if this application was mine. When I contact them to ask about this matter, they apologize but they didn't remove the fraudulent hard inquiry from my credit report, I got the same result when I called Equifax. Please remove this fraudulent hard inquiry from my credit report XXXX XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander USA reported my Auto loan balance as having increased by {$160.00} between XX/XX/XXXX and XX/XX/XXXX which contributed to my score falling by 92 points. This could not have been possible as my payments for that period were all made on-time. Santander USA also  reported 1 missed payment which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America Charged my XXXX Platinum Plus Master Card XXXX {$5000.00} and I Never Received Any Merchandise. I Contacted Bank of America Right Away and Bank of America Told me that they made a mistake and the Retailer Closed the Account after Receiving the {$5000.00}. I was Forced to Pay the {$5000.00} to Avoid interest and harming my Credit Score. The {$5000.00} was money I had Saved From my VA compensation for a Mechanical Bed. Bank of America Case # XXXX I contacted XXXX XXXX Bank of America XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Case # XXXX. When I contacted the Fraud Department They Recorded the Report I made and the Mistake They Admitted to on the phone but Stood by their Story that the Account Was Closed by the Retailer and he kept the {$5000.00}. I am a XXXX XXXX XXXX XXXX Veteran on a Fixed income and I have never recovered from this {$5000.00} Loss by a Big Powerful Bank. This is a Disgrace the way Bank of America and Master Card Treat Veterans. At the Time they Advertised on TV that you are Protected by Master Card and they told me on the phone that is not True in every Case.

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
XXXX  report says : CBNA on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them. 



XXXX report says : XXXX XXXX XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

CBNA XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

CBNA XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.

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 2018-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Franklin Collection Services ) which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge as a result of the identity theft. After receiving this information via a certified, registered and tracked letter ( Franklin Collection Services ) has not responded and continues to report the unknown fraudulent medical account ( s ) on my credit report ( s ). The account ( s ) are : XXXX ( {$480.00} ), XXXX ( {$380.00} ), XXXX ( {$660.00} ), XXXX ( {$380.00} ) XXXX ( {$3100.00} ). I also requested that ( Franklin Collection Services ) advise me as to the names and addresses of the health care providers, the name of the patient, medical service ( s ) provided and the reported dates of medical service ( s ). ( Franklin Collection Services ) did not respond to this request either.

Company response to consumer: Closed with explanation