vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
During the past several months I have been in contact with Transunion consumer reporting agency in regards to several fraudulent accounts reporting on my Transunion credit file. I also recently submitted a FTC identity theft report which included 5 of the accounts in question that were established through identity theft. I received a letter from Transunion stating that they refused to honor my dispute request by stating my request was made in error, and is a misrepresentation of material fact relevant to the request and or I have obtained possession of goods services or money as a result of the transaction issue. I find this automated response totally unacceptable and is clearly a violation of my consumer rights as well as the Fair Credit Reporting Act. Transunion has yet to send me proof of any documentation with my signature neither have they provided 100 % accurate verification as per the Fair Credit Reporting Act requires. I included a copy of my drivers license, social security card, and a utility bill along with my disputes along with a personal information update request to remove fraudulent addresses from my account. Transunion has yet to honor that request as well.

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 2020-03-03 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: CA

Complaint narrative:
FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE AND HAVE FAILED TO PROVE HOW ITEMS WHERE VERIFIED.

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 2020-03-03 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: Westlake Services, LLC
State: GA

Complaint narrative:
I just turn XXXX years old last year and finally got a chance to try and go to a local bank in my city to start credit but couldn't because I found out that I had a loan with a bank name Westlake financial that I never knew about. I couldnt even purchased a vehicle at the time they report that it was open. I wasn't even old enough to even purchase a vehicle or even sign paperwork in which I dont know nothing about. I have reported this twice and spoke with someone there and they still want remove this off my credit report. I think this should be remove right away please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: AZ

Complaint narrative:
My daughter attended XXXX XXXX XXXX, I signed parent plus as there was no other option ( I also attended school for a few months and had $ XXXXin loans ) The total financing ended up being about 20,000 plus Mine. The school closed she had no degree no transferable credits had to start over a year ago In the meantime : the debt is now {$40000.00} because I had no money to pay it and deferred for years .I adopted children and my dependents were high so qualified at XXXX payments but the Interests is still sky high. I have XXXX children to still put thru college. I feel the Interest should be frozen so now I can start to pay I can at least manage it, at this rate Ill be dead before its paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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:
FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE AND HAVE FAILED TO PROVE HOW ITEMS WHERE VERIFIED.

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 2020-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Meridian Buyer’s Group
State: TN

Complaint narrative:
I had bought a XXXX XXXX XXXX and it had an extended warranty and within day three the check engine light came on the warranty never was picked up I Kept calling the warranty people and they never helped the alternator went out so I took it to XXXX And we needed a new alternator and they wouldnt pay for it but that wasnt the only time it broke down

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 2020-03-03 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: Premier Auto Credit
State: CA

Complaint narrative:
The account is closed but it has not been removed from my credit report. Also, a date on another dispute is incorrect and after investigating they said it was correct when it is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I have been trying to clean my credit, I signed up for credit alerts with XXXX. A company by the name of XXXX shows up on my credit report. I never got a letter I never got a phone call and turns out this debt is over ten years old. I disputed it through XXXX dispute process and they have sided with this company. According to the FDCPA and FCRA both XXXX   and XXXX  are in violation of the law. I was supposed to be notified and given a chance to dispute this account. No notice was given, not to mention XXXX is not allowed to report anything over 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We sold our home and closed the first mortgage and HELOC with Bank of America on XX/XX/2020. The title company overpaid the HELOC by {$630.00} from our sales proceeds. Bank of America advised me on XX/XX/2020 that I would be receiving a live check for the overpayment in 5-7 business days. 

It is now XX/XX/2020, and XXXX XXXX from Bank of America assured me that my refund check is en route. As of XX/XX/2020, eight ( 8 ) business days since the close, my refund check has not been received. Bank of America is unfairly holding on to my money and has been deceptive with their communications, stating via email and on phone calls that my refund due would be back in hand in 5-7 business days. 

My HELOC was paid monthly and 100 % on time every month. Bank of America automatically withdrew funds to pay the HELOC from our checking account at Bank of America. Instead of refunding the overpayment to the same checking account, Bank of America unilaterally elected to mail a live check. This act appears to be to the benefit of the bank continuing to earn interest on my money and similarly depriving me of access to my funds.

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 2020-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: TN

Complaint narrative:
I was under the impression that if I made 3 years of consecutive payments to Ameritech, my student loan would then be forgiven. Ameritech never paid on my student loan, instead put it in deferment. Ameritech kept my money. I was paying XXXX a month for 24 months before I found out what was going on. {$9100.00} was just thrown away. It is not fair. I can get bank statements of where I paid them each month.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
From my western union account money was transferred to the unknown person in XXXX. I have raised a complaint with western union, they created a case # XXXX and told me file a complaint through bureau using the provided case number. This was happened in XXXX. I Just have the name of the person and bank account number in my western union account and did not have a correct address of the person. 

I have already blocked my western union account for further transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: TX

Complaint narrative:
I have submitted 3 requests to have unauthorized hard inquiries removed from my report. I have contacted the credit bureaus to ask for an investigation and I have contacted the ones responsible for initiating the inquiries. Nothing has been done to correct the erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo is failing to properly itemize my balance transfer ( s ) on my billing statement. 

If you review my account history, you will see that the entire amount of the balance on my card is in balance transfers. There is a {$2900.00} balance remaining. The statement reflects my balance transfer promotional rate will end XX/XX/XXXX,  and the remaining balance is $ XXXX.The problem is the remainder of the balance is not itemized on the statement. 

I spoke to two representatives onXX/XX/XXXX. The first representative advised me the remainder of the balance would expire XX/XX/XXXX. This promotional expiration date for the balance transfer as well as the balance is listed nowhere on the statement. I finally asked to be transferred to a supervisor because she didn't seem to understand my problem with the statement. The supervisor I spoke to was XXXX. He also didn't seem to have a clear understanding of the problem on the account. He stated someone from their executive team would contact me regarding the problem, but I advised XXXX that I planned on filing a complaint with the CFPB, because clearly the statement should accurately inform customers when his or her balance transfer is expiring in order to better prepare the customer for the interest that will begin to accrue. My recent statement is attached to this complaint.

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 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: FL

Complaint narrative:
While in the process of closing on my house this company popped up on my credit report regarding an account I closed 5 years ago. This account closed because I no longer worked for the company. I have records showing that the only balance I owe is {$.00}. This company of attempting to collect {$1200.00}. I was never notified of this balance until 5 years later.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
The attorney has engaged is unfair and deceptive practices in violation of FDCPA in his actions related to the attempted collection of a credit card debt which his firm bought from another agency. 
The debt is time barred, and as such can not be used as grounds for legal action. 
This attorney referenced an entry of judgement for which I was not aware nor properly notified nor properly served. 
In my attempt to resolve the debt in good faith, I provided financial information as a means to establishing a repayment plan. The attorney represented that they would cooperate with me in arriving at resolution. 
Instead, the attorney, without due notice levied my personal bank accounts. 
With the difficulty I have encountered in making contact with this attorney and his firm via phone, email, and correspondence via mail, I have not been given sufficient opportunity to communicate effectively nor has the attorney been forthright in their communication with me. 
My demand is that this attorney immediately be order to cease and desist all and any actions against me in the matter of collecting a debt, and be investigated by your office for disciplinary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: TX

Complaint narrative:
I have submitted 3 requests to have unauthorized hard inquiries removed from my report. I have contacted the credit bureaus to ask for an investigation and I have contacted the ones responsible for initiating the inquiries.

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 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The attorney has engaged is unfair and deceptive practices in violation of FDCPA in his actions related to the attempted collection of a credit card debt which his firm bought from another agency. 
The debt is time barred, and as such can not be used as grounds for legal action. 
This attorney referenced an entry of judgement for which I was not aware nor properly notified nor properly served. 
In my attempt to resolve the debt in good faith, I provided financial information as a means to establishing a repayment plan. The attorney represented that they would cooperate with me in arriving at resolution. 
Instead, the attorney, without due notice levied my personal bank accounts. 
With the difficulty I have encountered in making contact with this attorney and his firm via phone, email, and correspondence via mail, I have not been given sufficient opportunity to communicate effectively nor has the attorney been forthright in their communication with me. 
My demand is that this attorney immediately be order to cease and desist all and any actions against me in the matter of collecting a debt, and be investigated by your office for disciplinary action.

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 2020-03-03 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Few years ago someone stole my identity and started opening credit cards under my identity. Ive filed 4 police report in the last 3 years because someone either applied for loans or credits. And Ive been filing dispute with the credit card companys but they keep saying they have me verify but wont show me proof when I requested them the documents. Ive been sending them letter for the last 6 months and I havent received a letter from them. I need to remove this account that dont belong 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 non-monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed my credit cards on XX/XX/XXXX, and I was told that I can transfer my Ultimate Rewards Points to a partner program. I tried to transfer all my points ( XXXX ) to my XXXX account ( account # : XXXX ) online, but, I received an error message. 
Then I tried to transfer my points via a Chase secure message, but an agent responded that he couldn't because my account was closed on XX/XX/XXXX, which is completely incorrect as my accounts were closed on XX/XX/XXXX ( as on the letter saying my accounts were closed ). 

Please correct this issue and transfer all my UR points ( XXXX ) to my XXXX account ( account # : XXXX ) as soon as possible. 

In addition, I wish my accounts were not closed. I have enough liquidity to maintain my accounts solvent all the time, and I have never been delinquent. If possible, please reinstate my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: TX

Complaint narrative:
I have submitted 3 requests to have unauthorized hard inquiries removed from my report. I have contacted the credit bureaus to ask for an investigation and I have contacted the ones responsible for initiating the inquiries. Nothing has been done to correct the erroneous reporting.

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 2020-03-03 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Few years ago someone stole my identity and started opening credit cards under my identity. Ive filed 4 police report in the last 3 years because someone either applied for loans or credits. And Ive been filing dispute with the credit card companys but they keep saying they have me verify but wont show me proof when I requested them the documents. Ive been sending them letter for the last 6 months and I havent received a letter from them. I need to remove this account that dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA does not follow FTC guidelines and Collects on ID Theft reported to them.See attatched Experian Report. USAA notifys them THEY DO NOT KNOW FRAUDLENT CHARGES WERE MADE AND THAT I NEED TO CONTACT THEM. * THIS IS INACCURATE REPORTING. USAA HAS KNOWLEDGE OF FRAUDLENT CHARGES see attatched letter FRAUD CLAIM DATE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS DID OCCUR. see attatched ID THEFT REPORT USAA has recieved. FTC. gov web States : FCBA settlement procedures INCLUDE : 1 ) Unauthorized Charges see FRAUD CLAIM OF XX/XX/XXXX UNAUTHORIZED CHARGES OCCURRED 2 ) Charges list wrong date Credit Reversals Charges list wrong new purchase date ( CLEARLY NOT NEW PURCHASES ) 3 ) Charges for goods or services you did not accept or that were not delivered timely see attatched Criminal Investigation Letter NO Deliveries in that zip area under investigation. 4 ) Failure to post credits 5 ) Charges for which you ask for explanantion OR WRITTEN PROOF OF PURCHASE. I have had all 5 of these occur on my account from XX/XX/XXXX to XX/XX/XXXX USAA DOES NOT FOLLOW FTC GUIDELINES see attatched FTC statutes of REQUIREMENT OF USAA. UNDER DUTIES WHEN ID THEFT OCCURS. USAA DOES NOT FOLLOW THESE STATUTES USAA COLLECTS ON ID THEFT DESTROYS CONSUMERS CREDITS WITH FALSE REPORTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation