vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 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: VA

Complaint narrative:
These credit reporting agencies are not following the FCRA rules and guidelines in my opinion. They are reporting fraudulent accounts and not explaining why they add fraudulent accounts and not fixing the errors. They have not provided documents in the mail or contacted me in regard to the false fraudulent information on my credit report. There are multiple accounts being reported inaccurate. I have not applied for any credit in years. There are inquiries on XXXX, Equifax, and XXXX  reports. They need to be removed because I did not add them there. XXXX is reporting a fraudulent XXXX account. XXXX XXXX XXXX and an XXXX and Dept ED and XXXX is inaccurate and lack information and is incomplete. There is an account with XXXX reporting with incomplete information. Inquiries for XXXX XXXX. XXXX, XXXX XXXX twice for dates of XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, I never applied for these accounts. I have been unemployed, homeless and XXXX. I never will apply for something I cant afford. Someone have been using my identity. Equifax have been reporting false inaccurate information. XXXX XXXX XXXX alleged account, an incomplete account-XXXX XXXX XXXX  its closed and reporting a balance XXXX a XXXX XXXX account, someone opened it my name. Maybe an ex or family member of mine. I have not applied for XXXX XXXX inquiry debt of XXXX  is incomplete reporting closed and with a balance. Inquiries for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX  with Equifax. Please remove this accounts immediately! Please do an investigation. I have reported these to the law and to the bureau that someone have stolen my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED COMMUNITY BANK
State: NH

Complaint narrative:
I don't feel the bank is being as helpful as they could. 

XX/XX/XXXX I made two purchases online ( XXXX ) : XXXX   XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX What I got wasn't what I ordered. When I've contacted the seller they never responded. I returned both orders back to them XXXX. It was packaged well. 

It was mailed to : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX The coins were fake. I've already stated what happened. I have pictures. I wish the bank would do more to help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX By email : XXXX By phone : 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 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I applied and was approved for the Barclaycard Arrival+ credit card on XX/XX/2019. I've been using the card normally and paying off my balance in full every month. Since then, I also opened several new credit accounts for various spending bonuses, given that I had lots of large upcoming purchases for my wedding. However, Barclay 's then closed my Arrival+ credit card without my permission on XX/XX/2019, citing that I have too many new accounts and inquiries on my credit report. I called Barclay 's on XX/XX/2019 and again on XX/XX/2019 trying to explain that my new accounts were due to large expenses but had also been completely paid off in full. Barclay 's still refused to reinstate my account, and will not allow me to redeem my earned miles at their full value : XXXX cents per point. Instead, they will only allow me to redeem my miles for half of the full value, and refuse to allow me to reopen my account, even though I stated I was happy to have a lower credit limit. 

I have been more than willing to discuss my case but I have been extremely disappointed by Barclay 's being unable to listen and unwilling to allow me to redeem my miles at their full value. I hope someone who is able to help will contact me but I have not had any success contacting anyone capable on my own.

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 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
We refinanced our first and second mortgages with First National Bank in XX/XX/XXXX. The account was escrowed. 

On XXXX, we received a delinquent tax notification in the mail for the XXXX County Treasurer 's office. The bill states {$1500.00} has not been paid. 

I have notified the loan officer, XXXX XXXX. I have also notified the branch manager, XXXX XXXX. We have had mortgages with First National Bank for over 5 years. At no time have they ever failed to pay the property taxes as agreed to per our loan documentation until now. The notifications have been placed in writing via e-mail. 

I am asking that they send out the amount due promptly to the treasurer 's office. If there is a late fee or interest due because of failing to pay it, they will need to absorb it, because it is clearly their fault the amount has not been paid. We are not responsible for this amount.

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 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I'm in the process of cleaning my credit and came across this account in my file. Please validation is need as I am unaware of this account. As per the fair credit reporting act please provide : 1. Copy of original contract with signature 2. Original bill with breakdowns 3. Notarized copy of the purchase of the debt 4. Copy of bond and license to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I requested for an income-driven repayment plan, filled out all the information, sent the information through fax ( which showed it went through ), now loan company is denying it went through ; delaying my request by such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I'm in the process of cleaning my credit and came across this account in my file. Please validation is need as I am unaware of this account. As per the fair credit reporting act please provide : 1. Copy of original contract with signature 2. Original bill with breakdowns 3. Notarized copy of the purchase of the debt 4. Copy of bond and license to collect in my state.

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 2019-06-10 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: CA

Complaint narrative:
I HAVE REQUESTED FROM TRANS UNION NUMEROUS TIMES TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT. THE OTHER 2 BUREAUS DID THEIR INVESTIGATION AND THEY REMOVED THE SAME ACCOUNT DUE TO THE FACT THAT THE ACCOUNT WAS FRAUDULENT AND NOT MINE. TRANS UNION IS STILL REVIEWING.

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 2019-06-10 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: CA

Complaint narrative:
On XX/XX/2019 I requested an online free credit report from Experian. Upon looking at the report I discovered that they had the wrong SSN ( which is in my opinion a cardinal sin for a credit reporting company ). I tried to dispute it online but i was informed I needed to call them. I called them and it took 46 minutes to get an unsatisfactory resolution. I requested them to change it and they did but they said that I could not have a report for 30 days ( online ) and a report in 7-10 days by snail mail. When I requested them to overnight it since my lender was waiting for it they said they could get it to me in 2 days but I would have to pay {$20.00} for it. The supervisor I ended up talking to was XXXX XXXX ( he would not give me his last name ). Since my lender needed the report asap I had to pay {$20.00} for Experian using an incorrect Social Security number on my report and for them to get me a corrected report in a timely manner. I think that this is an egregious mistake by a credit reporting bureau and they refused to correct it without me paying a financial penalty for their mistake

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 2019-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My mortgage payment is slowly increasing on a yearly basis and the reasoning is taxes increase and homeowners insurance. The homeowner issue has been resolved but the tax issue has not. I spoke to the tax assessor office and they stated that my taxes had not increased if so it would have only been for {$50.00} and that was last year. My payment started at XXXX, now it is XXXX approx. I have been requested to send yearly checks for shortage as well in the escrow account according to 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 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Alexander & Associates, Inc
State: WA

Complaint narrative:
I received a phone call from, +XXXX ( XXXX ) XXXX-XXXX  today saying I had a past debt from 2001 in the amount {$1000.00} and the creditor would like to settle now over the phone right now in the amount of {$520.00}. They read back my full social security number and knew my name. I called so called creditor, They said was XXXX XXXX and they have no record of me on file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I'm in the process of cleaning my credit and came across this account in my file. Please validation is need as I am unaware of this account. As per the fair credit reporting act please provide : 1. Copy of original contract with signature 2. Original bill with breakdowns 3.  Notarized copy of the purchase of the debt 4. Copy of bond and license to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bass & Associates, P.C., Attorneys at Law
State: MI

Complaint narrative:
I was unable to select my true issue in the options provided. 
My student loan has entered default in XX/XX/2019 I have tried to contact the collection agency to make payments FOR MONTHS I will wait on the line for HOURS and can not get through I have read several reviews on XXXX from other consumers stating the same issue I just want to reinstate a payment plan for rehabilitation of the loan! 
Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Over the years I've tried to call and mail Welsfargo to resolve my concerns. The remaining balance of the repossession is inaccurate and I didn't receive a certified letter in the mail, with a return receipt of exactly how much I owe after the car was sold in the auction. 




Respectfully, 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 2019-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These credit reporting agencies are not following the FCRA rules and guidelines in my opinion. They are reporting fraudulent accounts and not explaining why they add fraudulent accounts and not fixing the errors. They have not provided documents in the mail or contacted me in regard to the false fraudulent information on my credit report. There are multiple accounts being reported inaccurate. I have not applied for any credit in years. There are inquiries on XXXX, XXXX, and Transunion reports. They need to be removed because I did not add them there. TransUnion is reporting a fraudulent XXXX account. XXXX XXXX XXXX and an XXXX and Dept ED and XXXX is inaccurate and lack information and is incomplete. There is an account with XXXXXXXX  reporting with incomplete information. Inquiries for XXXX  XXXX. XXXX-XXXX, XXXX XXXX twice for dates of XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, I never applied for these accounts. I have been XXXX, XXXX and XXXX. I never will apply for something I cant afford. Someone have been using my identity. XXXX  have been reporting false inaccurate information. XXXX XXXX XXXXXXXX alleged account, an incomplete account-XXXXXXXX XXXX XXXX  its closed and reporting a balance XXXX a XXXX XXXX account, someone opened it my name. Maybe an ex or family member of mine. I have not applied for XXXX XXXX inquiry debt of XXXX  is incomplete reporting closed and with a balance. Inquiries for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX with XXXX. Please remove this accounts immediately! Please do an investigation. I have reported these to the law and to the bureau that someone have stolen my information.

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 2019-06-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
These credit reporting agencies are not following the FCRA rules and guidelines in my opinion. They are reporting fraudulent accounts and not explaining why they add fraudulent accounts and not fixing the errors. They have not provided documents in the mail or contacted me in regard to the false fraudulent information on my credit report. There are multiple accounts being reported inaccurate. I have not applied for any credit in years. There are inquiries on Experian, XXXX, and XXXX  reports. They need to be removed because I did not add them there. XXXX is reporting a fraudulent XXXX account. XXXX XXXX XXXX and an XXXX and Dept ED and XXXX is inaccurate and lack information and is incomplete. There is an account with XXXX reporting with incomplete information. Inquiries for XXXX XXXX. XXXX, XXXX XXXX twice for dates of XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, I never applied for these accounts. I have been unemployed, XXXX and XXXX. I never will apply for something I cant afford. Someone have been using my identity. XXXX have been reporting false inaccurate information. XXXX XXXX XXXX alleged account, an incomplete account-XXXX XXXX XXXX its closed and reporting a balance XXXX a XXXX XXXX account, someone opened it my name. Maybe an ex or family member of mine. I have not applied for XXXX XXXX inquiry debt of XXXX is incomplete reporting closed and with a balance. Inquiries for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, cXXXX XXXX, XXXX with XXXX. Please remove this accounts immediately! Please do an investigation. I have reported these to the law and to the bureau that someone have stolen my information.

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 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I received a phone call from, +XXXX ( XXXX ) XXXX today saying I had a past debt from 2001 in the amount {$1000.00} and the creditor would like to settle now over the phone right now in the amount of {$520.00}. They read back my full social security number and knew my name. I called so called creditor, They said was HSBC bank and they have no record of me on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Armada Corp.
State: WA

Complaint narrative:
Please find attached a copy of a bill we received from a collection agency, Armada, dated XX/XX/XXXX for services at XXXX XXXX XXXX amounting to {$2300.00} from XXXX. Interest added by Armada was {$760.00} and continues to accrue. This debt was a surprise to us because there was no notification from Armada for 2 years and 7 months, during which time interest was building. 

I called Armada XX/XX/XXXX after confirming the debt with XXXX  XXXX XXXX. I spoke to Account Representative XXXX XXXX, who then transferred me to his leader, XXXX. XXXX remembered being the account representative for this debt in XXXX and said he tried calling our number in XX/XX/XXXX and XX/XX/XXXX. Apparently he was not allowed to leave a message. Therefore, no notification between XX/XX/XXXX and XX/XX/XXXX, with interest adding up. 

Id like to inquire if this practice is legal. Do I have any recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
WINN LAW GROUP IS TRYING TO COLLECT DEBT THAT DOES NOT BELONG TO ME. I HAVE BEEN A VICTIM OF IDENTITY THEFT THEREFORE RESULTED AN ACCOUNT THAT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX IS FRAUDULENT, AND NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
A month ago, I noticed my amount owed for a credit card for Citi Mastercard went from about $ XXXX/month to {$1300.00}. It was debited out of my account and could not be reversed. They said it was because I went over. However, I NEVER opted it to allow charges to be allowed through if over limit. I reiterated to them at that time I want ALL charges declined if I go over the limit. 

Now, this week, I get a notice that I owe {$800.00}. I have called them several times on this. My only option is to simply put the card in a drawer and just wait to pay off the balance. 

My frustration is that they are not allowing me my legal right for transactions over limit to be declined. When I talk to them, they apologize, and it's supposed to be fixed. But again, it never is. 

If they are doing this to me? Who else are they doing this too. 

Credit Card Details : Citi XXXX XXXX AAdvantage Platinum Select

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 2019-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
There is an inquiry that has been placed on my credit file on XX/XX/XXXX from BANK OF AMERICAthat, I sent the credit bureau ( XXXX ) a dispute letter asking them to verify this inquiry because I did not authorize the company or anyone to submit any application and if BANK OF AMERICA claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that BANK OF AMERICA verified or validated this inquiry when in fact I never authorize the company to submit an application for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/XXXX, this application was submitted fraudulently.

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