vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Puerto Rico XXXX Phone : XXXX SS : XXXX Subject : Elimination of file number XXXX & XXXX Inform the complete and precise address of the Bankruptcy Court of Puerto Rico. 
XXXX XXXX XXXX Federal Building & US Court XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico XXXX We have no documents to inform us that the XXXX telephone belongs to where the bankruptcy court of Puerto Rico is established. 

Report that there is no plaintiff lawyer named XXXX XXXX in any of our files with the bankruptcy court of Puerto Rico. 
If this is obtained from the PACER system, it contains errors in addresses, telephone numbers and lawyers that do not exist. 

PACER has been criticized for being technically obsolete and difficult to use, and for the demanding fees for records that are in the public domain. In reaction, nonprofit projects have begun making such documents available online for free. We can not rely on a system that is not updated to reality and to spelling errors in the systems programmed based on legal data. 
I enclose documents to show what was presented.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: Kentucky Higher Education Assistance Authority
State: SC

Complaint narrative:
Kentucky Higher Education keeps reporting incorrect dates of reporting with XXXX, XXXX, and XXXX  which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX University 's fraudulent activity. 

I have disputed the dates that Kentucky Higher Education has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. Kentucky Higher Education is using fraudulent activity which unlawful per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2019, I received ONE free yearly credit report via Transunion website. The page automatically refreshed, which required me to purchase a ONE TIME credit report for {$9.00}. After careful inspection, and agreeing to a ONE TIME charge of {$9.00}, I agree and went through with the purchase. 

One month later, I received an unauthorized {$19.00} fee for their subscription service that I, in no way, shape, or form, agreed to or signed up for. I attempted to cancel my subscription, but they do not have any way to cancel the charges on their website : https : //membership.tui.transunion.com The {$19.00} fee incurred between paychecks, causing an account overdraft with XXXX XXXX  , which incurred a {$35.00} overdraft fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX  XXXX XXXX keeps reporting incorrect dates of reporting with XXXX, Transunion, and XXXX  which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX XXXX XXXX fraudulent activity. 

I have disputed the dates that XXXX  XXXX XXXX has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. XXXX  XXXX XXXX is using fraudulent activity which unlawful per the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: SC

Complaint narrative:
XXXX XXXX XXXX keeps reporting incorrect dates of reporting with Equifax, XXXX, and XXXX  which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX XXXX XXXX fraudulent activity. 

I have disputed the dates that XXXX  XXXX XXXX has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. XXXX  XXXX XXXX is using fraudulent activity which unlawful per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: SC

Complaint narrative:
XXXX XXXX XXXX keeps reporting incorrect dates of reporting with XXXX, XXXX, and Experian which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX XXXX XXXX fraudulent activity. 

I have disputed the dates that XXXX  XXXX XXXX has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. XXXX  XXXX XXXX is using fraudulent activity which unlawful per the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NIC, Inc.
State: TX

Complaint narrative:
Do not have a Contract with this company, never heard of this company and the debt does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/31 I was made aware that my checks from my bill pay service had the incorrect account number this was after I was paying the correct amount and sending to the creditor from my bill pay service. Before this letter arrived Comenity Bank the issuer of this card was charging me {$29.00} each month and I was unaware of these fees. I was charged a total of {$140.00} and they gave me credit for {$29.00} and they will not credit my account any further. I did not realize this error until 6 late payments were charged as the credit card company did not notify me of the problem. 

I have tried to call to resolve this issue, but the Account managers say they can do nothing even though they are aware that this was an error in entering the correct account number using my bill pay service, but the check was arriving before the due date. The current amount that is owed on the late fees is {$110.00} and I am asking for those fees to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: GA

Complaint narrative:
Equifax didnt remove the fraudulent data from my credit report. I submitted a dispute, disputing the accounts and inquiries that I didnt make and that were listed on my Identity Thief Report and after their investigation they found the data to be accurate. My credit is so damaged by this inaccurate information, Im not able to get a loan or anything that requires good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
XX/XX/XXXX - I got into a wreck with XXXX XXXX XXXX. XX/XX/XXXX - I received a letter from Ally stating they needed 3 items ( police report, insurance info, and ally buyers order ) in order to process my gap claim. XX/XX/XXXX - I faxed all 3 items Ally requested in the XX/XX/XXXX letter. XX/XX/XXXX - I received letter from XXXX XXXX XXXX , XXXX ( XXXX  ) denying claim submission stating they did not get the information from Ally within 90 days. Early XXXX I called XXXX and they said they denied by claim because they did not get info from Ally. I called Ally and they said they had received my 5 page information sent on XX/XX/XXXX but did not send info to XXXX  because I did not file a claim. According to the XX/XX/XXXX letter it does not state I need to file a claim after I send those requested 3 documents. XX/XX/XXXX - I sent a letter to XXXX requesting an appeal for insufficient information that I received from Ally Financial. I did not know I was supposed to file a claim since the XX/XX/XXXX letter did not state I needed to take additional actions. XX/XX/XXXX - I called XXXX XXXX XXXX , XXXX at XXXX and they confirmed they received my letter but had not reviewed it yet. XX/XX/XXXX - I received another letter requesting I make a payment. In XXXX - XXXX from Ally called via phone and wanted me to settle the account with me. I told him the responsibility was on Ally to pay and he said he would check on it. XX/XX/XXXX - Received letter from XXXX XXXX XXXX, a debt collector, to pay {$9200.00}. I have attached all documents and notes referenced above to this claim. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
HSBC XXXX Branch at XXXX  XXXX/XXXX ( XXXX XXXX XXXX XXXX, Washington, DC XXXX ) made repeated errors at multiple levels over a period of +30 daysin properly executing a formally requested international wire of {$320000.00} from HSBC to XXXX. The wire request was initiated on XX/XX/XXXX, but due to delays and error, HSBC did not abide by the client 's instructions. In fact, due to repeated errors, the wire was sent two times and the bank introduced new set of multiple errors again on XX/XX/XXXX.These errors by the remitting HSBC bank , have resulted in a substantial loss of funds ( {$5500.00} in net value + {$960.00} in unrealizedlost interest for 31 days@ 3.55 % ) ( {$5500.00} in net value + lost net HBSC interest for 1 month@ 1.8 % ). Had HSBC used the correct guidelines and customer instructions to process the first and second international wire on XX/XX/XXXX and XX/XX/XXXX, respectively, this loss could have been avoided. 

Point of Concerns 1. These repeated errors by a multinational remitting HSBC bank led to these funds being kept for almost one month under " so-called wiring stage '' and has raised serious concerns because the customer made repeated attempts to communicate instructions to immediately wire. 
2. HSBC bank did not follow specific written instructions provided to the branch and WIRE department on XX/XX/XXXX for no apparent reason. 
3. HSBC bank 's failure to use the complete SWIFT Code ; use of incomplete SWIFT Code along with IFSC Code used by domestic wiring ; and did not add 0 to the account number listed at second place. 
4. Why did HSBC intentionally avoid providing the SWIFT Copy and Computer generated printout of dated WIRE Path? 
5. Although the client co-addressed or copied all e-mail communication to the Branch Manager and Assigned XXXX Manager, both of these officer kept themselves out of communicating with the client. 
Did you contact the branch : 1. We contacted the customer service on XX/XX/XXXX ( see attachment 1 ) 2.  The bank responded on XXXX without honoring our complaint and a fair evaluation, while totally ignoring relevant factual errors created by the bank ( see attachment 2 ). 
3. We again contacted the bank on XX/XX/XXXX with our disagreement. The bank ignored toaddress points # 2 and # 3, while again the factual documentation about the wire instructions to HSBC in XXXX. We also pointed out that the bank letter contained statements that were not supported by any documentation, and that we specifically raised the issue that " both parts of your statement are false '' and provided supporting evidence from the material provided by HBSC and XXXX. ( see attachment 3 ) 4. Bank responded back again with a negative response, while again, ignoring the facts of the matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: TX

Complaint narrative:
TRANSUNION HAS VIOLATED MY CONSUMER RIGHTS BY NOT HONORING THE FCRA THIS ( FOR PROFIT COMPANY ) HAS REMOVED AN ACCOUNT AND MADE THAT SAME ACCOUNT MAGICALLY REAPPEAR AGAINST THE FAIR CREDIT REPORTING ACT. I ALSO SPOKE WITH NOW 3 SUPERVISORS IN THE SPECIALIZED FRAUD TEAM WHO WERE NOT EXCITED TO DO THEIR JOB IN XXXX, PA XXXX, XXXX XXXX, AND ALSO XXXX. THEY BOTH SAID THAT THEY WERE SORRY WHICH THEY COULD CARELESS! AND KEPT INFORMING ME THAT THE CREDITOR IS THE REASON! IF YOU KNOW LIKE I KNOW THEN YOU WOULD KNOW THAT THE CREDIT BUREAUS HAVE TO SHOW 100 % VERIFIABLE PROOF ANYTIME THEY VERIFY AND SAY THAT A FRAUDULENT ACCOUNT IS YOURS. IF THEY DON'T PROVIDE IT THEY HAVE TO REMOVE IT! SO PLEASE XXXX XXXX EXECUTIVE VP FOR TRANUNION ALONG WITH XXXX XXXX PRESIDENT OF US INFO AT TRANSUNION.PLEASE GET BACK TO ME AND TELL ME WHY YOU ALL ARE VIOLATING MY RIGHTS AS WELL AS OTHER CONSUMER RIGHTS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: FL

Complaint narrative:
On XX/XX/XXXX I pulled my credit report from Equifax. I noticed a collection account on my report that should not be on my report as the statute of limitations to collect and report the debt have well since passed. The alleged debt still owed is from XXXX University  in the amount of {$1400.00}. This account was opened in XX/XX/XXXX. I filed a dispute through Equifax and their response is that the debt was verified, however, I made it clear to them when I filed the dispute that the statute of limitations of 7 yrs has long since past. In their dispute answer, it states that the last payment made on the account was in XX/XX/XXXX. This is utterly false. However, I have made *no payments* on this account since on or around XXXX. In the past several years I have also attempted to contact XXXX to inform them they need to remove the account from my credit report. They have not complied. Please also note that this account has long since dropped off my XXXX  and XXXX  credit reports. I request that an investigation be open and to have XXXX *prove* that my last payment was in XX/XX/XXXX ( which of course they can not ). It has been more than seven years since my last payment and I request that it be removed from my Equifax account. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have spoken with Fedloan multiple times over the past few months about getting all of my loans into a REPAYE plan and placing all my loans on the same schedule as I am a medical resident and qualify for the PSLF program and need to be in an IBR plan. I was approved for the REPAYE plan on XX/XX/19 and all my loans were placed on the REPAYE plan. Then, a few weeks later on XX/XX/19, out of nowhere, some of my loans lost their forbearance and deferment status and were suddenly placed in repayment on a Standard repayment plan. I called and was told that this was a mistake and my loans were going to be replaced into forbearance so that all my loans would go into repayment at the same time. That was fixed and all my loans were back in REPAYE. Then, on Friday XX/XX/19 I received a letter saying my loan terms were recalculated and I was placed back into the standard repayment plan. I called on that day and was told that an error occurred on behalf of fedloan when my application for REPAYE was initially approved. They said I should have never been placed in the REPAYE plan and in order to get my loans back on the REPAYE plan they must generate an exit bill that I have to pay in order to go pack into REPAYE. My conversation was left stating if I pay the generated bill of {$5.00}, all my loans will go into REPAYE when they process my IDR application and I will not be responsible for any other payments towards my loans during the months it takes to process this. On XX/XX/19 I paid the {$5.00} bill and was told it would take up to 20 days to process my IDR application ( that at this point was submitted on XX/XX/19 ). Today is now 20 days since payment and my account has not been switched back into REPAYE and I received a new bill for XXXX of over {$3000.00} since I am still on the standard plan. Since I am eligible for PSLF, I have now missed out on 2 payments towards the program, which is frustrating as I am eager to begin making eligible payments towards the program. Throughout all of this, I have contacted fedloan multiple times via phone and email. My email on XX/XX/19 was never answered by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I recently purchased tickets on XXXX, and I paid using PayPal, which I fund with my credit card. Despite having selected my credit card as my preferred payment method, PayPal pulled the funds from my stored balance. This is the type of sneaky tactic that PayPal used to pursue before it began advocating for consumer choice under the leadership of its new CEO. PayPal says that it wants to put its customers first and act as a consumer champion, but the company completely dismissed my complaint when I reached out both via email and phone. PayPal has gone out of its way to tell me that it would honor my preferred funding source and committed a misrepresentation by not honoring my choice. PayPal 's misrepresentation resulted a financial loss to me by preventing me from earning reward points on my credit card, and it resulted in a financial gain to PayPal by enabling PayPal to enjoy a lower funding cost than it would have had it honored my choice. 

In short, PayPal made a misrepresentation to me that resulted in my financial loss. Moreover, PayPal came to an agreement with Visa, Mastercard, and others in the payments ecosystem that it would honor consumer choice, and PayPal actions as described above suggest it is in violation of this agreement. PayPal 's actions also resulted in a financial loss to Visa and XXXX  XXXX XXXX, which would have been involved in processing the transaction had PayPal honored my choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened my account with BBVA bank on XX/XX/XXXX & deposited with them {$16000.00}. Their interest rate was good & they promised a {$100.00} bonus if an account was opened before XX/XX/XXXX, maintained a balance of {$10000.00} on XX/XX/XXXX & XX/XX/XXXX. I was advised that the {$100.00} would automatically be deposited to my account. On XX/XX/XXXX, I called the bank to inquire about that deposit as it was not done as promised. I was given a complete run-around, then told they would do it within another 90 days. This was not acceptable & I asked to speak to a manager. I was told that that person would call me with 48 hours. Since it was Friday, I told her that if I did not hear by the following Tuesday, XX/XX/XXXX, that I would take further action. company.

Company response to consumer: Closed with explanation