vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
XXXX has been non-compliant with removing the unverified account BARCLAYS BANK DELAWA Date opened XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK DELAWA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C.
State: WV

Complaint narrative:
I did not know I owed these amounts until they hit my credit report. I called the company and paid them all in full so all the balances are XXXX. I have asked the company to remove them from my credit report as opposed to paid derogatory and they have not. When I called again to ask, they told me they could only mail receipts showing paid. When the representative read my address to me, it was not correct. They were still continuing to use an old address. I never received notice from them. Some of the amounts were as little as {$2.00}. I need these removed from my credit report. 
credit coll/usa. XX/XX/XXXXacct : XXXX. This was paid. Has not been deleted credit coll/usaXX/XX/XXXX acct : XXXX. This was paid. Has not been deleted credit coll/usa XX/XX/XXXX acct : XXXX. This was paid. Has not been deleted. 
credit coll/usa XXXX acct : XXXX. This was paid. Has not been deleted. 
cred coll/usa XXXX acct : XXXX. This was paid. Has not been deleted.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-30 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 submitted disputes to Transunion in reference to fraudulent accounts on my credit file and incorrect address on my credit file.This has been an ongoing process to clear my name and credit file of the incorrect and fraudulent information and accounts. All I ever receive is that my dispute has been completed but the fraudulent and incorrect information remains. I have submitted numerous disputes, identity theft forms and police report. This has been going on for over a year now and I am beyond exhausted. There is an incorrect address appearing of XXXX XXXX XXXX XXXX, XXXX, GA XXXX that need s to be deleted. There are also several accounts that I have requested be blocked and deleted that were opened fraudulently. They are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and 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 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a deposit with XXXX XXXX XXXX using my Citi XXXX XXXX card ending in XXXX for {$200.00}, with monthly payments of {$35.00}, up until full payment and to now I have paid {$300.00}. I read the Legal Cruise Contract for XXXX XXXX before booking ( my booking # XXXX ) and it stated full refund up 61-days prior to sailing for 2, 4, 5, etc. day cruises. At that time I searched for Cruises to XXXX, there were no cruises available on my specific dates. I later found the same cruise ( booking # :XXXX ) for a longer duration and paid the {$150.00} deposit. I tried to cancel the first booking and so after I paid, THERE IT IS, if you want to cancel, you will have to pay {$49.00} per person totaling {$100.00}, however when you are booking the cruise nowhere can you find this information a total entrapment. When you call the agents, they tell you its on the website, but for the consumer it is very hard to see how much you will be charged. I looked and looked until I found a cruise contract. I am booked for two cruises in the same year XX/XX/XXXX to XXXX and XXXX is refusing to assist me with moving the {$300.00} over to ( booking # :XXXX ) so I called Citi to assist with a dispute and Citi has really made it worse. Yesterday I was on the phone several times trying to get assistance in opening a dispute, however Citi gives me a {$35.00} credit for one payment to XXXX and opens a dispute for the wrong cruise even though I made it clear to the customer service agent I was speaking to. I called again this morning the customer service agent gave me a credit for {$1.00}. I opened a dispute that Citi doesn't understand why. XXXX XXXX needs to stop the misleading advertisements. I have cruised several times and this was the first time I have seen misleading advertisement about canceling. It's just not clear and Citi made it worse.

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 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My name : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX GA XXXX Loan : XXXX I purchased home XX/XX/XXXX it's a XXXX XXXX Paid XXXX Down Payment : XXXX First loan Mod. XX/XX/XXXX with an attorney Mortgaged changed from XXXX to XXXX as soon as the attorney made an exit my loan returned to XXXX it was a verbal Loan Mod no MERS. 
XXXX attempt at loan Modification I was requested to place another XXXX payment of XXXX. No one remembers I paid that via Bank XXXX XXXX certified funds. 
XX/XX/XXXX I became ill unable to walk or work no income XXXX took 4 months to pay this was XX/XX/XXXX I was in the hospital. I was advised that if I could come up with 1 payment they would stop the foreclosure. While hospitalized I offered Nationstar XXXX payments and they refused them. They will request that I do something, then when I do it they change the promised outcome. 
The last mod. was for XXXX with a XXXX income of XXXX after I paid the 3 payments they changed the mortgage payment to XXXX. more than my entire income. I ask how could they do that I was informed that to take home XXXX I would have to earn XXXX so the loan mod. was done on that amount. I Filed BK the last Trial was for XXXX pass that one. They took over a year to complete process. 
XXXX XXXX offer is XXXX for a house that's worth XXXX the agreement is for 40 year loan at 4700 month = XXXX XXXX and at the end of that loan is a balloon for XXXX. they say I owe XXXX they have placed that on the loan twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: VA

Complaint narrative:
I have been trying unsuccessfully to obtain an EFIN from the IRS needed for my employment. To get this number, I must submit the last eight digits of a credit card number for an account that I hold. I have only one credit card. When I correctly enter this information into the IRS form, I am informed that the number does not correspond with the credit card number in my Experian credit report. I can not see the last eight digits of the credit card number on my Experian report, but I can see the first six numbers and they are incorrect. I have done my best to notify Experian that the information about this account is incorrect, but I have had no success.

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 2018-11-30 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 submitted disputes to Equifax in reference to fraudulent accounts on my credit file and incorrect address on my credit file.This has been an ongoing process to clear my name and credit file of the incorrect and fraudulent information and accounts. All I ever receive is that my dispute has been completed but the fraudulent and incorrect information remains. I have submitted numerous disputes, identity theft forms and police report. This has been going on for over a year now and I am beyond exhausted. There is an incorrect address appearing of XXXX XXXX XXXX XXXX, XXXX, GA XXXX that need s to be deleted. There are also several accounts that I have requested be blocked and deleted that were opened fraudulently. They are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 2 XXXX XXXX XXXX accounts and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello Respective Officer, HEre Iam writing this complaint against EXPERIAN - XXXX [ XXXX XXXX was the person who handled my Insurance file ]. 

I had XXXX XXXX in mine and my Husband account and they were stolen in a FRadulent way from both of our accounts, the fraudstaers claimed themselves as representatives of XXXX [ Digital Assets  holding company ] and took control over our accounts and moved the digital assetts from our account to theirs! I reported this incident to the XXXX in two hours and requested to hold the transfer but it was already transferred and they couldnt hold the transfer! And since then I updated them the whole situation and how the fraudsters claimed themselves as XXXX and cheated and stole the assetts but I was left with Rejection! 

I tried my best explaining the situation to XXXX  but they rejected my REFUND .Hence I had to reach the insurance provided by EXPERIAN [ XXXX ] for me, Identity Theft which also covers FRaudulent activities! After submitting all the, they rejected saying these are not financial assetts .I dont want to accept the reason for Rejection as this was a complete Fraudulent act which was covered under the insurace! 

THankyou and looking for justice and REFUND! 

I do have a POLICE complaint in place and email conversations and any other proofs needed!

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 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX  XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
The balance at the time of the initiation of my loans on XX/XX/02 is XXXX and XXXX. At present time the balance is even higher than when I took the loans out:XXXX and XXXX. I don't know how this can be possible. The total payments made on both loans is approximately in the {$35000.00} range. I have never been delinquent on these loans and they will never come close to being paid off, ever. I have tried to work with Navient regarding setting up payment plans, with no avail. I desperately need some assistance investigating this matter. I believe I am being charged an unfair amount of interest on these loans, while an insignificant amount of my payments made were applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld Systems continues to call us on a medical debt that the source hospital says does not exist. We have been demanding a validation of this debt for three years and have HAVE NOT received any validation yet the company continues to call us even while admitting to us that the account is in dispute. The process is always circular, the calls are non stop, and we cant get any validation or resolution regardless of what we do or say so we need intervention. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Fair collections & Out. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

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 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was a victim of fraud in the form of a check kiting scam. Bank of America was aware of what was happening to me as I was calling them at every stage of the con for guidance. Each time they assured me I would be protected should I cash a fraudulent check. After I completed a cashiers check and sent it to the fraudster my personal checking account was charged for the amount of the check. Before depositing the check, the bank Manager at the BOA of XXXX called to verify the account and the amount of the check. I called Bank of America in their fraud department, I filed a police report with the Police department of XXXX, NJ. I went into the branch that cashed the check for me they told me there was nothing they can do. I paid the XXXX balances and closed the account. I would like a partial refund and damages for the stress and aggravation this situation caused 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 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MI

Complaint narrative:
I'm trying to submit a payment online and I'm deliberately getting locked out so I can not submit the payment on time which will cause interest and fees without speedy support from US Bank. This has been open since XX/XX/2018. Today XX/XX/2018, I'm told to wait for a PIN to be mailed to my house. What's the point of making me waste so much time? I'm not paying any late fees nor interest. If I can not access the account, I'll consider the account paid off. 

I'm not receiving the texts, I'm not given the option to receive email codes like all other banks do which I have accounts ( XXXX, XXXX, XXXX, etc. ).

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 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted complaint # XXXX on XX/XX/2018 advising that I am unable to log in after creating an account, so I can not self service any freezes and unfreezes. 
Along the way Equifax illegally put a freeze on my account after I specifically told them NOT to because I want this to be self serve, and along the way I was told it was fixed which it was not. 
We're not 60 days out from my initial report and as of ten minutes ago I still can not log in. 
This needs to be fixed TODAY. 
If it can NOT be fixed TODAY Equifax must delete ALL of my data and never collect it again, since they are not capable of conducting the business they're in. 
Still open as of XX/XX/18 XXXX XXXX So now here 's a third complaint. 
I want a phone call within the hour from the executive offices at Equifax and that call will tell me that the problem is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: NJ

Complaint narrative:
XX/XX/2018 Amount {$1900.00} BANK OF AMERICA CREDIT CARD AMEX The fraud team has investigated this claim 5x and has provided no substantial information as to why my claim was denied. I did not have my card in my possesion nor recognize this charge on my account. I called BANK OF AMERICA immediately as soon as the charge was billed to my account, I have called numerous times to speak to the investigation team to give them all the information I can. Multiple times I've been promised a call back and have not received one.

After the 1st denial of the claim, I reopened the claim because the associate did not note if I had the card in my possesion. I told the representative from BANK OF AMERICA I DID NOT have my card in my possesion when the charge was made. 

This ongoing issue has been more than three months and everytime the claim gets reopened and closed ( 5x ) I am not given a reason as to why. I need this issue revolved as I did not  make this purchase.

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