vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Account Name : Credit Protection Association Account XXXX This account is not mine as my social security number was given by another person, Identity theft, and no valid and consistent explanations of fraudulent debt This account was disputed directly with Credit Protection and they continue to fail to provide adequate proof of this account. This account is disputed as : -This Creditor, Credit Protection Association , has been verified through Florida Office of Financial Regulation , as NOT having an Active License in the State of Florida . - this account belongs to my Ex-husband and I was never notified or have permission for him to transfer his account to my Social security number. -I was never notified of this debt, even with my address change & forwarding set up & documented with USPS . -No Signed Contract & account was " Transferred to my social '', without my knowledge & permission, and not created by my with approval. -Multiple changes in explaining the charges of this disputed account. -When asked, the Credit Protection rep confirmed that His Social Security number used to create the account was not valid, thus leaving my social security number, fraudulently added, on account. -When asked for Proof, I was sent print screens images of the Amount due, not a detailed list of charges they are billing for. I was told XXXX different excuses on why the account was originally reported as {$370.00} but now reports as {$630.00}. -My name is reflected wrong on this account. This is the only account that reflects my name wrong, XXXX XXXX ( Identification number XXXX ). I never have used or authorized this name to reflect as such. All Aliases are reflected on my credit report. This disputed & fraudulent account is the only account reporting a wrong name. Lastly, I am demanding this account be removed as I have provide adequate reasons to why this debt is fraudulent & not mine. In the event that no record exists, please delete this damaging account information. <P/>Account Name : Credit Protection Association Account XXXX Your report 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 2017-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I had a lease on a XXXX Toyota Camry with Toyota financial. The lease was for 3 years and XXXX miles. I handed the car in with incidental wear and tear damage and they want me to pay for the incidentals. My issue is that I handed the car in with XXXX miles vs. the XXXX that was allowed. If I went over mileage it would be XXXX $ a mile, however I was XXXX miles under the lease agreement. The residual value works out to XXXX $ due to the under mileage and yet they want me to pay XXXX out of pocket for wear and tear damages.If I had went over mileage they would charge me per mile ; my complaint is why do I not get the same credit for being undermileage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: FL

Complaint narrative:
I have reached out to TransUnion on XXXX XXXX,2017 & again on XX/XX/XXXX requesting that they remove the XXXX inquiries from XXXX. I have attached the letter from XXXX. When I ran my report today X/X/2017 XXXX  inquiries still appear. I kindly ask that they remove these promptly and send me a follow up letter as such.

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 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint to XXXX about XXXX XXXX ; I have paid in full to the account. I also want to know why these United States Credit Bureau 's are allowed to only report negative information from Wireless companies and Utilities? This is a one way avenue that is a direct Economical impact to the wealth of our country. This is a bias practice. If these companies want to report negative on our Financial Credit system then they must report good credit to these companies as well. This process is unfair and bias towards the wealth of Banks and APR that sucks American 's Wealth which Politicians and their Lobbyist get rich from. Enforcing a fair Credit system is Key and allowing these companies to biasly report is a CORPORATE CRIME against AMERICA!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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:
I submitted a complaint to XXXX about XXXX XXXX ; I have paid in full to the account. I also want to know why these United States Credit Bureau 's are allowed to only report negative information from Wireless companies and Utilities? This is a one way avenue that is a direct Economical impact to the wealth of our country. This is a bias practice. If these companies want to report negative on our Financial Credit system then they must report good credit to these companies as well. This process is unfair and bias towards the wealth of Banks and APR that sucks American 's Wealth which Politicians and their Lobbyist get rich from. Enforcing a fair Credit system is Key and allowing these companies to biasly report is a CORPORATE CRIME against AMERICA!

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 2017-07-08 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I contacted Exeter Finance and XXXX on several occasions in regards to a fraudulent inquiry from XXXX XXXX XXXX dated X/XX/2015. I have supplied them with the police report and identity theft affidavit and they continue to refuse to remove said inquiry. They continue to tell me to contact XXXX XXXX XXXX however they themselves even removed their inquiry after I supplied them with the exact information I provided to Exeter Finance. <P/>I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy This will be my last attempt before seeking legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: FL

Complaint narrative:
I contacted XXXX XXXX and Transunion on several occasions in regards to a fraudulent inquiry from XXXX XXXX XXXX dated X/XX/2015. I have supplied them with the police report and identity theft affidavit and they continue to refuse to remove said inquiry. They continue to tell me to contact XXXX XXXX XXXX however they themselves even removed their inquiry after I supplied them with the exact information I provided to XXXX XXXX. <P/>I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy This will be my last attempt before seeking legal counsel.

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 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This complaint will envolve Transunion credit bureau, The USPatriot Act of 2005 and numerous credit reporting agencys that have ruiened consumers to get financing due to personal info being shared by any business, credit reporting agencys, Federal banks and anyone who wants to pull someones info in their personal credit file without their authorization .This is unfair and fraudulent activities of the credit reporting agencys and Transunion to release information to anyone who asks for it. Idenity theft of all these credit reporting agencys and the USPatroitAct of 2005 put in by President Bush. I will be attaching numerous credit reports also XXXX XXXX regecting me a bank account due to inaccuracy and Fraud being released by these bureaus and I have nothing in there to be denied a checking or savings account. And also I want this sent to the US Congress a complete revision of the patriot act on behalf of the consumers. We only need 1 credit bureau

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 2017-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank is suing me through XXXX XXXX XXXX XXXX. They just recently sent a letter saying that my account was not with them anymore and was charged off to a new company XXXX. I find this to be an irrational measure to sue someone when you sent the debt to another company and have failed to work with the customer on securing an affordable amount per month payment plan.

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 2017-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC.
State: DE

Complaint narrative:
XX/XX/XXXX - My husband and I bought a deeded time share at XXXX XXXX XXXX in XXXX XXXX XXXX. We paid in full for timeshare -- {$12000.00}. We paid taxes and maintenance fee annually as billed. XX/XX/XXXX - My husband and I divorced. He got XXXX XXXX XXXX in settlement. He ( alone ) paid  taxes and maintenance fee annually. XX/XX/XXXX - My ex-husband XXXX and our daughter, as executrix, contacted XXXX several times trying to get deed changed to her name. Several calls and faxes with no response from XXXX. We were informed by XXXX that we had to work through XXXX to get this done. XX/XX/XXXX - My daughter continued to contact XXXX about transfering deed. No statements or any information regarding taxes or fees were received. XX/XX/XXXX -- A $ 20,000+ collection action appears on my XXXX credit report from Pinnacle Recovery. Upon inquiry, I find that because the deed to the timeshare was never changed, my former name still appears on the deed and I am liable for back taxes and fees. They tell me that even though my divorce releases me of liability, their civil claim supersedes that. I have never received any annual statements or bills from the current owner of XXXX, XXXX XXXX. Pinnacle offers to terminate the action for {$310.00}, however, they can not guarantee that my credit report will be repaired. They tell me I have to follow up with their client, XXXX XXXX and wait for their release letter. The rep advised me to be persistent in asking for the letter because XXXX is not timely with this action. He said it could take months to get the release. He said I should continue to call, asking for supervisors, etc. While I believe the whole transaction is a scam, I am willing to pay the {$3100.00} to get this matter resolved, but I am concerned that once I pay, they have no motivation to give me a release letter or remove the derogatory from my credit report. I also believe that since Pinnacle is the company that put the negative information on my credit report, they should remove it as soon as I pay the money they request. I would appreciate your advice on how I can assure that my credit report will reflect the resolution of this matter as Pinnacle has promised. I have attached all relevant documents for your review. Thank you very much XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
I checked my transaction on line and over the phone before pickup and its status was available. However, when I attempted to pickup at the ACE CASH EXPRESS - # XXXX at XXXX XXXX XXXX I was told the transaction was not available. She also gave me a printout that stated the number to call and a warning message which shocked me. I called money-gram while at the location and was told money-gram was refusing to provide me its services due to discomfort which is not a term of service or policy. When I contacted my sender they stated to me the transaction is still available and shows available when I check it a moment ago today X/X/2017 at XXXX. I am confused by what is happening and am wasting my time and money to travel to pickup. I called again at XXXX XXXX and the agent stated the transaction is not available and the sender has to call in even thought the website states the transaction is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: PA

Complaint narrative:
The debt was written off and closed however Westlake financial is still reporting it saying there is a balance of XXXX. This was closed on XX/XX/XXXX but as of XX/XX/XXXX they are still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: IL

Complaint narrative:
These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXXI only applied to two lines of. Credit and neither run your credit score to get approval it 's secured credit card

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 2017-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XXXX XXXX of 2017, I requested information from my bank to be sent over to my XXXX account. However, they are extremely slow with the these processes. This continues to be a growing problem because PNC Bank is very slow with updating account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: IL

Complaint narrative:
These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX one main XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXX I only applied to two lines of. Credit and neither run your credit score to get approval it 's secured credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: IL

Complaint narrative:
These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXX I only applied to XXXX lines of. Credit and neither run your credit score to get approval it 's secured credit card

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 2017-07-08 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: FL

Complaint narrative:
Companies Continued coercing me into FORBEARANCE. Companies names XXXX XXXX subsidized and unsubsidize, FFEL Stanford, and Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX I send a letter to Naviet requesting all original documents signed by myself of my orginal loan with XXXX XXXX. A lady emailed me some papers with no original signed documents XX/XX/XXXX. The docments are not signed by me and the look fake and made up. In XX/XX/XXXX I lost my job and became XXXX. I called XXXX XXXX informed them they said I 'm ok for 12 months abd not to worry. They sold my loan with informing me. I ended up with somehow Naviet being my loan company and they charged me double the amout of my loan. My loan was for {$3700.00}. So far I 've paid {$3500.00}. I explain this to Naviet in my letter. They say I owe {$7200.00}, yet I 've paid {$3500.00}. If you look up my loan online it say I owe {$8400.00}. My loan is actually increasing. And I 've been making payments since XX/XX/XXXX. Their not providing any real documents, I never signed anything with them or anyone but XXXX XXXX. My balance should be {$190.00} with a couple of late fees. I 've sent multiple emails back requesting all documents from them and XXXX XXXX and the do n't respond. I 've called and even left messages with the lady assigned to me. I 've attempted to find my old loan the got from XXXX XXXX XXXX passed on by XXXX XXXX and they changed names and do n't have no documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
XXXX  University is a scam. I did not know this when I was trying to better myself and agreed to enroll when stalked by these predators.   I understand now the scheming ways of this " organization ''. I only attended for a few months online when I realized it was a farce and I would get nowhere with an accreditation from them. Not a real school.   The loans were already underway when I withdrew and now Navient has destroyed my credit. It has been years and years. I have tried reasoning and working with them to no avail.   Even though I am now receiving benefits from Social Security and can hardly get by they will not accept my proof of benefits or work with me. They want everything I have, continue accruing interest and over  XXXX  dollars is the balance. I will continue to fight them. Please beware of these predatory schools they give you nothing and will try to take everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has charged interest on my account immediately after my purchases. I was under the assumption that there is a required 21 day grace period.

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 2017-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have had a Zale 's store charge card for about one years. The first balance was to be paid off in 12 months without interest. Zale 's set the minim per month to below the 12 month payoff amount, so they can charge back interest, not off on time. I charge some other items that should payoff in 3 years. Now I just found out that if I do n't pay almost 3 times the minim each and every month, This balance will not be paid off They tell me it is up to me to make sure I do the math and divide the balance and make sure I am paying enough. So My complaint is they need to be up front on their billing and change their billing practice to make sure you know how much to pay each month, and change the minimum payment to so the consumer is not caught off guard thinking they will have the balance paid off on time. This is a SCAM for all Zale 's customers. Please look into this. thanks XXXX

Company response to consumer: Closed with explanation