vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$3000.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: GA

Complaint narrative:
I have made several attempts to dispute fraudulent items with Experian Credit Reporting agency. The fraudulent accounts and erroneous accounts and inquiries are being disputed for reason of Identity Theft under ( FCRA Section 605b ), yet to no avail. As a victim of a security breach and identity theft I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter. I am requesting that these fraudulent items be removed from my credit file immediately

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 2020-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I have a Citizens Bank checking and savings account for about two years. After a period of low usage, I submitted a request to the Bank to close the account. I thought the Bank have closed my account and stopped all Bank activities. 
It turns out the Bank only close my savings not my checking account. Customer service claimed they could not close out my account because I have positive account balance of {$8.00}. I don't understand why they could not close the account and issue an {$8.00} refund check like a reputable and trustworthy financial institution. 

In late XX/XX/XXXX, I was notified that my account has a negative {$7.00} balance due to inactivity fees from XX/XX/XXXX to XX/XX/XXXX. I emailed customer service but they refuse to do anything until the bank has a positive bank account balance. The Bank has implemented difficult and unnecessary process for consumers to close a bank account and as a result I was charged {$39.00} in fees. I have to follow via secure message, wait for a response and called the Bank twice but still get no resolution. The account should have been closed back in XX/XX/XXXX if the Bank was consumer friendly. Instead, as a result of my closure request, I am out {$39.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened my account at one of your branch in XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ). As this account is secondary, my primary goal was to avoid monthly fees if possible. The branch initially tried to set me up with a student account but discovered I did not meet the age requirement. I was then suggested to have a different type of account instead which requires {$1500.00} minimum daily balance to avoid the fees. I chose that account and made deposit within the timeframe instructed by the associate who helped me open that account. 

Today I surprisingly found out I've been charged monthly for a fee of {$4.00}, I went to the branch but wasn't able to find the associate who helped me. They acknowledge this could be an error while setting up the account but they were not able to help me correct the fees. I called the 1-800 number but they couldn't help more than 2 fees either. Therefore I am writing to you and would really appreciate if you can help reverse the fees that were charged due to the error. 
Thank you very much for your time!

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 monetary relief
Consumer complaint received 2020-02-06 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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CA

Complaint narrative:
I'VE CONTACTED EQUIFAX VARIOUS AMOUNT OF TIMES TO HAVE ITEMS REMOVED FOR INACCURACIES. THAT HAVE YET TO ADDRESS THE DIRECTLY AS THEY HAVE BEEN PUTTING THEM OFF. I HAVE SENT ALL OF THE ITEMS THEY REQUESTED BEFORE AND STILL WILLFULLY NEGLECT TO ADDRESS OR CORRECT THE WRONG INFORMATION THE CONTINUES TO STAY ON MY CREDIT REPORT. i AM ALSO A VICTIM OF IDENTITY THEFT AND ADDRESS THIS ISSUE WITH LAW ENFORCEMENT AND HAVE OBTAIN A POLICE REPORT WHICH I HAVE INCLUDED IN THE DOCUMENTS ALSO. I REQUEST THAT EQUIFAX PROVIDE ME PROOF THAT THEY ADDRESSED MY CONCERNS THOUGH UGLY AND REQUESTING A METHOD OF VERIFICATION OF ALL THE ITEMS ADDRESSED. I REQUEST ALL THE WRONG INFORMATION BE REMOVED AS I HAVE SUBMITTED TO THE CRA ALSO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: FL

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed 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 2020-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Avant Credit Corporation
State: NC

Complaint narrative:
I asked to have the loan cancelled and I was charged an administrative fee of XXXX, that I was not aware of. They approved the loan with the copy of the contract attached and would not let me cancel the loan. 
The customer service & management is horrible. The agents are very smart mouth and sassy. Customers are not valued. I talked with a young man of XXXX origin by the name of XXXX, he was the supervisor, his attitude was not friendly & very sassy. I spoke with a young lady before asking for the supervisor, and she also very sassy. The supervisor would not give me the name or number to his boss. The Avant  XXXX XXXX XXXX page does not allow you to leave bad reviews. We are also unable to leave comments on their personal web page. The company does not communicate well and it is difficult to get the help you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: ERC
State: NY

Complaint narrative:
while checking my credit report I noticed a few things that's on my credit that doesn't belong to me I would like for these fraudulent accounts removed the accounts are 1.enhanced recovery company in the amount of {$230.00} that was opened on XX/XX/XXXX 2.XXXX  XXXX  XXXX  in the amount of {$6000.00} that was opened on XX/XX/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 2020-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
my chapter XXXX bankruptcy was discharged. included in the bankruptcy was a title loan held by speedy cash of Kansas for my XXXX XXXX XXXX. Per the court filings I surrendered the vehicle to the company. Upon discharge of the bankruptcy I have contacted the company and they refuse to take possession of the vehicle and are still demanding payment. I request that speedy cash expeditiously retrieves the vehicle as of receipt and response to the this complaint or be charged ANY AND ALL APPLICABLE STORAGE FEES PAYABLE TO ME AND BE SUBJECT TO ALL REMEDIES AVAILABLE TO ME UNDER FEDERAL AND STATE STATUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I've contacted Equifax regarding inquires that are being reported that were not authorized. They said they can not remove them because they are a " FACT ''. The only way that I could have the inquires removed is by contacting the company that placed the inquiries on my report and getting them to send an electronic release. The contact information for the 4 companies was not listed on my credit report so I had to obtain it from the agent, XXXX ( reference number XXXX ) before ending the call. I called each company who advised that they do not have my information on file so they're unable to submit the electronic release form that Equifax is requesting. I then called Equifax back and spoke with XXXX ( ID : XXXX ) was advised that there is nothing they can do without it, she transferred me to XXXX ( XXXX ) who transferred me to XXXX who disconnected me when I requested to speak to a supervisor. 

This is my 3rd time submitting the survey because the customer service agent advised the other two are permanently stuck in Draft status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Please see attached check sent to Navient XXXX of 2019 from my title company, XXXX  XXXX XXXX  XXXX. This check still has not been applied to my account. It was cashed by Navient, Department of Education on XX/XX/2019. My name is XXXX XXXX, account number XXXX. I have called numerous times to get an answer from Navient - Dept of Education. They have refused to send the funds back to my title company, myself, and refuse to apply the payment to my Navient account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/2018 I went to several car dealerships to request for a car loan for used cars. It seems that Ally Financial ran my credit report and due to poor credit i was denied for my car loan and it seemed that it affected my credit report on XXXX  and I want to have that resolved immediately.

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 2020-02-06 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
In XXXX of XXXX I was in desperate need of a car and went to a " Buy Here, Pay Here '' lot in XXXX ; XXXX  XXXX. They financed the car through United Auto Credit Group for 2 years at $ XXXX/month. As I explained I was desperate and when I expressed concern about the payment XXXX  XXXX indicated I could refinance in 6 months. I signed for the loan made payments through XX/XX/XXXX. The last couple of months if I was unable to pay the entire {$850.00}, I would make sure to pay something, usually over {$800.00}. One day while at work they came and repossessed the vehicle because I was {$39.00} late ( by paying less than the total payment ) I was not given an option to get the vehicle back ; only to collect my belongings and the vehicle was sold at auction. United Auto Credit has been reporting since XX/XX/XXXX that I continue to owe them {$7200.00}, and have charged off the loan. I have requested the a reconciliation of all payments made by me, and the amount received when the car was sold at auction. I believe the money they are reporting is incorrect and is significantly effecting my credit score. 

I did contact them in an attempt to settle the debt and they requested 50 % or a little over {$3600.00}. As a result I am convinced they are inflating the amount owed on my credit report and as I stated I would like the reconciliation of my account and the amount received for the vehicle at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Law Offices of Gregory Alexandrides, LLC
State: MD

Complaint narrative:
I was experiencing severe financial hardships, and I fell past due in paying my HOA dues. I was current and paid the HOA fees on time from XX/XX/XXXX up until XX/XX/XXXX is when I fell behind. I paid on time quarterly for six years. I was in and out the hospital in both XXXX and XXXX and became consumed with doctor bills which caused me to fall behind on payments. As of XX/XX/XXXX my balance was {$560.00}. As of XX/XX/XXXX my balance jumped from {$560.00} to {$1500.00}. I am not sure how the balance nearly tripled in a matter of three months. If I couldn't afford {$560.00} how can I afford {$1500.00}. They are charging late fees and legal fees which I don't believe are legal. I made payment arrangements, however I could not afford the payment plan. I contacted them today and my balance has increased from {$1500.00} to {$2000.00} which is ridiculous. I was prepared to pay the amount I owe but I can not afford the illegal excessive late, collection, and legal fees. Again I am willing to pay but please let me know the amount I owe. In addition I am an employee at the CFPB and I will be escalating this to our Enforcement division because I know this is illegal. I was told I was charged {$1000.00} in attorney fees which is the cost to prepare documents. It is no way it is legal to charge a consumer almost {$1100.00} to type and mail in documents. Furthermore I don't even believe this is a law firm this a collection agency posing as a law firm. I will also be filing a complaint through the Congressional office. Again I am ready and willing to pay what I owe but I will not be paying the illegal fees you all are adding to the balance.

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 2020-02-06 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: OH

Complaint narrative:
I have reached out to you about items on my credit that is not mine. My family is in a situation and needs my help and I cant because of this stuff on my credtt that is not mine. Please remove these items so I can move on with my life. XXXX, XXXX XXXX and XXXX XXXX. There are also alot of inquiries on here that I know nothing about XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX'>< XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX, 'XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX . I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
The collection department contacted third party and disclosed personal financial matters, I have saved the text where the third party informed me about it, I called Citizen and asked to stop but hey said no until deb is collected, this is the number at Citizen : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: NY

Complaint narrative:
I was surprised to see when I looked at my report to see a late reporting for the month XX/XX/2019. I am not sure how this happened I believer I made my payment when I get my bill.MY only thought is that my statement did not get to 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 2020-02-06 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:
XXXX   DID NOR DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.

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 2020-02-06 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: CA

Complaint narrative:
CRA DID NOT DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.

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 2020-02-06 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: CA

Complaint narrative:
CRA DID NOT DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CA

Complaint narrative:
CRA DID NOT DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.

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