vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This account is 7 years old and should be deleted from my credit report.

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 2018-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to purchase XXXX tickets on XXXX. The seller accepted my XXXX payment, then failed to send me the etickets, and blocked my phone number. 
He said his name was XXXX, his email is XXXX and his phone number is 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 2018-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DISCLAIMER : This is NOT A DUPLICATE. This complaint is in response to Experian 's response on a recent complaint. Please see attachment. Accounts they're stating are " reporting accurately '' are still ILLEGALLY REPORTING on my credit report. Experian didn't even do their own investigation into these ; they're literally taking the creditors ' words for it! Please tell me how an XXXX  account that not only reports CONCURRENTLY as " OPEN '' and " CLOSED '' but also -- as a collection -- reports a " PAST DUE '' ( with XXXX ) is 'reporting accurately '. AND, I show you proof of it! You're literally looking at the proof, yet you come back saying 'xyz XXXX is accurate??? Okay. Please tell me how 3 RE-AGED ACCOUNTS are " reporting accurately ''. Please tell me how all of the disputed accounts have different and often missing dates for " account open '', " account closed '', " date of last activity '', " date of last payment '' etc. is " reporting accurately ''! All of the disputed accounts STILL REMAIN in my credit report when they are supposed to be DELETED. They all contain incorrect, conflicting info and violations. These are all grounds for accounts to be deleted! On top of all of this, Experian actually ignored my disputes, which is ANOTHER violation. I demand that these accounts be deleted immediately from my credit report. My ID and SS card are included in the attachment.

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 2018-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: OH

Complaint narrative:
I have had a personal loan with Avant, LLC since XX/XX/XXXX. In the past, Avant was responsive to questions, requests, etc. In order to gain additional control over payment dates, I asked to be unenrolled from automatic payments, since this could not be done within Avant 's web interface. On XX/XX/XXXX, I notified Avant, LLC that I was revoking ACH authorization effective immediately and received a automatically generated message notifying me that I had opted out of automatic payments. On XX/XX/XXXX, however, Avant, LLC automatically processed my loan payment. I did not schedule this payment. In other words, the revocation of ACH authorization was not respected. I notified Avant of this on XX/XX/XXXX and did not receive a response of any sort until XX/XX/XXXX, which was to notify me that my inquiry had been escalated to the appropriate department. Later on XX/XX/XXXX, I received a message stating that Avant was not able to " ... substantiate your claim that you did not authorize the payment processed on XX/XX/XXXX. '' I continued to pursue the matter since I know with complete certainty that I did not schedule or authorize this payment. Eventually, Avant did  offer to reimburse me for this payment which would, at this point, make my account late ( additional fees, etc. ). On XX/XX/XXXX, I received a message thanking me for my feedback and assuring me that they " treat all customer feedback as a learning experience. '' While possibly unintentional, Avant violated 12 CFR Part 1005 ( Regulation E ). As a consumer, I have the right to revoke ACH authorization and for that revocation to be respected. Avant, LLC did not do this and did not provide reasonable remediation within an acceptable time frame. Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: AL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Armed Forces Loans of Nevada Inc.
State: CO

Complaint narrative:
On XX/XX/2018 and XX/XX/2018 I called Armed Forces Loan and express some concerns on how I was showing 30 days past due multiple times on my credit report. I spoke to XXXX XXXX and was to it would be taken care of. Still to this day I am still showing delinquent. I asked for another loan and was denied because it stated I had a sufficient change in my credit score and the reason why is because of how they are reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: AL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX  XXXX The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX XXXX The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due

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 2018-12-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was charged for a product that I bought through a XXXX ad that I never recieved. The company was shut down and their ads were removed due to fraud. USAA would not credit me the fraud charges back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent Transunion multiple letters to verify this account and I never received proof or a copy of a application with my signature.

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 2018-12-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On numerous occasions I have disputed incorrect addresses reporting on my Equifax credit report. I disputed the address starting XX/XX/XXXX continuously and one representative I spoke to said that those addresses were removed which was a lie because they are still there. This could be a possible fraudulent address and is not taken seriously. 

XX/XX/XXXX. Confirmation Number XXXX XX/XX/XXXX Confirmation Number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent XXXX  multiple letters to verify this account and I never received proof or a copy of a application with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Recoveries, Inc.
State: TX

Complaint narrative:
A woman by the name of XXXX XXXX has posted my mailing address as hers and may possibly consuming my personal mail. 

Most recent mailing to my address and " returned to sender '' is from the following address : National Recoveries, XXXX XXXX XXXX XXXX XXXX, MN 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 2018-12-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On numerous occasions I have disputed incorrect addresses reporting on my XXXX  credit report. I disputed the address starting XX/XX/XXXX continuously and one representative I spoke to said that those addresses were removed which was a lie because they are still there. This could be a possible fraudulent address and is not taken seriously. 

XX/XX/XXXX. Confirmation Number XXXX XX/XX/XXXX Confirmation Number 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 2018-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I've requested multiple times to remove my PMI with Freedom Mortgage. I'm well under the 78 % Loan to Value requirement and it's been two years. I bought my home in XX/XX/2016 and it was in slight disrepair for {$220000.00} and have since made improvements. Even the appraisal at the time was {$240000.00}. I've since added a home equity through another company. The company did a full appraisal. Since then, I've sent this appraisal to Freedom Mortgage and they refuse to remove my PMI unless I buy and appraisal from them for another $ 400+. This is completely unreasonable. There is plenty of ebeidnce available in the market to show that my value is at least the {$260000.00} needed to remove PMI. Full appraisal from new company came in at {$280000.00}. This kind of practice needs to stop for good borrowers.

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Free Credit Report Online Response-XXXX  XXXX 18 -  Applied for credit from a company that used Equifax 's score of my credit to determine my credit rating. Since this score is lower that XXXX   and XXXX, I was curious to know why and wanted to exercise my right to receive a free annual copy of each report and its contents. Requested a copy of my annual credit report from all three bureaus. Received copy from XXXX  and XXXX. Equifax will not provide online report and requires you to send in a manual form. However, in addition to the form, they request you input your social security number, a copy of your pay stub, a copy of your W-2 form, drivers license, and current utility bill. All of this information being sent through the mail will put your identity at a huge risk and is unfair to the consumer. They are required to provide the report, but refuse to do it without putting the consumer at more risk of identity fraud. 

This is a breach of the law to provide consumers information. I do not want to risk putting all my personal information in the mail to have it vulnerable to identity theft. Their method of providing a report to you ( through the mail ) and requiring the consumer to put all their personally identifying information ( PII ) in the mail is wrong, is a disservice to the public and a slap in the face to the Federal Law that requires them to provide the annual report. This is a travesty and should be addressed. Thank you for hearing my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: DE

Complaint narrative:
On XX/XX/2018 I submitted an revoke authorization for the Automated Clearing House which applied to stopping all debits to my account, including membership fees. On XXXX XXXX the loan was not taken out of my account but the membership fee was still taken from my account after the ACH revoke. I emailed the company and asked for a refund in the amount of XXXX. I received a response stating they can not stop the membership fee as it is an ongoing process. I called customer service to receive a copy of a contract stating membership fees can not be stopped and they were unable to provide one. In my loan agreement there is not in there stating I must continue the membership.

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 2018-12-13 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account NAVY FEDERAL CU Date opened XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FEDERAL CU 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
paypal is the company for the last month i have went to the site nearly daily to pay down my account balance and to make the payment online as i have done for the last few years. every time i go there it says unable to make payments at this time. 

then after several weeks of this i done the online chat to find out they are working on their system and did not know when to expect it to be fixed. 

they then told me after weeks of unable to make payment at this time that i could pay over the telephone or send in my payment. 

this should be posted right where the unable to make payments at this time is and should tell you since hard paper billing is not on to turn it on so you can know where to send the payments to. 

i feel this is like a payment trap for senior citizens in that they may not know how to navigate to find all the information needed or may end up owing late fees due to waiting for unable to make payments at this time, thinking it is going to be fixed and has been like this for weeks with modern technology being as it is, you would think this problem should have been fixed by now. 
what this is telling me is our bank accounts and credit cards may have been compromised with all the hacking into online systems and that the company is trying to fix it or hide it, until maybe they are able to secure the server

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 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Claim number XXXX. I disputed a charge and Bank of America chose to believe the merchant over me. They denied my claim and said that the evidence the merchant submitted was compelling and didnt even ask me if I had a rebuttal. XXXX told me they would reduce my cell phone bill but that it would not happen immediately, I said since it wont happen immediately then cancel it. They then said it would show up on my next bill cycle even after I told them to cancel it. This happened in XXXX, 3 bill cycles have gone by and I have not received the service they claim to have given me. My phone bills are attached along with their email saying they would give me a refund. What compelling evidence did XXXX  give you?? Why didnt Bank of America ask me if I had anything else to add once the merchant refuted the charge? For Bank of America to assume my claim is false just because the merchant responded and said something different speaks volumes on how they really value their customers, and then tell me to fax them some documents and my claim may be  reconsidered??? I dont think so. If my account is charged for this amount on XX/XX/2018 I will take legal action against Bank of America and not 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 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I deposited two checks into my checking account at TD Bank. They were payroll checks. Usually my payroll checks the next day are cleared onto my account. This time on my account was showing the deposit but the entire funds were on hold. I figured that because of the amount of the checks they needed to make sure the funds were available before funding my checking. So I waited until Monday XX/XX/XXXX and still the funds were not there. I checked with my boss to see if saw the transaction on his account and the money were taking our of his business account. So on Tuesday XX/XX/XXXX I go to the branch on XXXX XXXX and XXXX XXXX. XXXX XXXX and the bank explained to me that they hold the money because of the amount and that on thursday XX/XX/XXXX my money would be realized ... .so they kept my money they left me with out money for more than a week. Now it is Thursday XX/XX/XXXX and i still don't have my money onto my account. Shame on them ... ..they left me with out salary for a stupid  explaination when they cashed the checks but the funds were not available. This is abusing their power. i have to go away in two days and don't have the money to buy the last things that I need for my trip. I WANT MY MONEY BEFORE THE END OF THE DAY!!!!!. TD BANK IS THE WORST BANK EVER!!!!

Company response to consumer: Closed with explanation