vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to allow a bogus company to bill/ rebill charges that do not belong to me on my credit report. I have disputed the matter for a total 5+Yrs with no relief whatsoever. I have also advised the company XXXX that the charges do not belong to me or any of my dependents as we had in the past XXXX and XXXX XXXX XXXX. To date I have XXXX and XXXX and all of my medical services are in the state of Georgia and have been since XXXX. The company XXXX billed me on my credit report for both {$860.00} and {$920.00} back in XXXX, since this time I have successfully disputed these bogus claims with both XXXX and XXXX ; however, Equifax will not remove them. Last month XX/XX/XXXX, Equifax removed one of the XXXX charges only to replace the same amount/charge under XXXX with a bogus date of reporting the charge/ service in XX/XX/XXXX allowing the same bogus charge to reside on my credit for another 7long years. I have placed a notice on my Equifax credit file indicating that I infact do not owe any medical charges in any state but Georgia and that both my Government ( XXXX & XXXX ) issued medical insurance plans take care of all my health care needs fully. 

Please help me combat Equifax bogus reporting as nothing I do seem to get them to resolve the matter and it affect and effect my credit score when a company seeks their assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
One XX/XX/2019 I deposited a check for {$1800.00} into my well fargo checking account. The funds became available and money withdrawn from account. One XX/XX/2019 my check account was debited {$1800.00}. Wells fargo stated it was due to the {$1800.00} check being deposited twice. I called to advise it was not. I spoke with someone in the online deposit department of wells fargo and was told to contact the payor ( XXXX XXXX XXXX ). I was told the funds were sent back to the payor and they would need to issue another check. I knew this was incorrect but did as instructed. The issuer told me the money was taken from their ( Wells fargo ) account in XXXX and nothing was returned. I called wells fargo back and the issue was escalated to executive office. I explained to the representative that the error happened because of an unsuccessful mobile deposit into my XXXX XXXX account. I even offered to send the letter from XXXX XXXX showing the deposit was unsuccessful. I was told the issue would have to be handled by XXXX XXXX because the check was deposited in a branch ( untrue ). This is untrue because i still have the check in my posession.

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 2019-09-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent them my FTC report sand a Identity Theft affividat for two Accounts XXXX XXXX and XXXX XXXX XXXX XXXX because these accounts were accounts unauthorized by me ( fraud accounts ) and they have failed to delete them or block them, or answer my request for vaildation more than 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: CA

Complaint narrative:
I have disputed this account but was never notified of the results. I tried to dispute again and its just giving me errors on the system this is not the first time this happens. It happened multiple times with other accounts also.

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 2019-09-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed this account but was never notified of the results. I tried to dispute again and its just giving me errors on the system this is not the first time this happens. It happened multiple times with other accounts also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX keep putting Negative, Unauthorized remarks on my XXXX XXXX accounts which says " Dispute resolved, consumer disagrees, account closed '' I have never disputed this account and I have two XXXX XXXX accounts both closed with on time payments. These bureaus keep putting remarks on my credit report as a way to try to harm my credit worthiness and I am sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Was given loan over almost a month ago, has paid almost {$400.00} out of my bank account, I borrowed {$630.00}, loan pay off AMOUNT IS still going UP. Was not clear on this process, I want to stop electronic fund from my XXXX XXXX   account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. 
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.

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 2019-09-24 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: CO

Complaint narrative:
XXXX and Transunion keep putting Negative, Unauthorized remarks on my XXXX XXXX accounts which says " Dispute resolved, consumer disagrees, account closed '' I have never disputed this account and I have two XXXX XXXX accounts both closed with on time payments. These bureaus keep putting remarks on my credit report as a way to try to harm my credit worthiness and I am sick of it.

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 2019-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I wish to file a complain regarding the results of the investigation completed by XXXX XXXX which was completed earlier this month. In Mr. XXXX response, he made a false and/or misleading statement. He acknowledge receipt of my RMA on XX/XX/2019. He claimed that the reason for not reviewing my request for mortgage  assistance was because Chase did not receive my application the required number of days before the foreclosure date on XX/XX/2019 According to my records, the document was sent XX/XX/2019. But that is not a big concern. My concern is that my RMA was not reviewed at all. In a phone call to my previous dedicated manager, which is recorded. He said my application was not reviewed at all. He referenced notes on my account from an earlier call from the 1st week in XX/XX/2019. When the letter dated XX/XX/2019was received, I knew it was a fictitious document sent by Chase to pretend that they are in compliance with rules and regulations. In addition, Mr. XXXX in his investigations indicated that if my situation has changed for me to call XXXX for assistance. Well my situation has changed, and I will be reapplying for assistance in leaving the property. I have attached correspondence received from Chase today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Partners Financial Services Inc
State: NM

Complaint narrative:
Years ago I attended truck driving school in another state then where I live now. The company and I had several conflicts regarding federal laws after I completed the school. In XXXX I left the company as I felt they were putting the general public and myselfs safety in danger. At this time I felt our prior contract was null and void as the actions they took during my employment was a breach of contract. Later they sent that loan to a collection agency who is threatening legal action after the stattuet of limitations has expired in the state where the transaction took place, and where I lived at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I did my part but the amount is still due. The representative state after this was promised auditors came in and reversed the decision without sending notification that this is what happened. I requested when this happened, notes, and call history however was denied. None could give me a definite turn time on when I would get this or when this world be completed. 


XXXX XXXX, Related to your call earlier today, here is a summary of all notes on your account. Please note that obtaining exact records of these cases or a copy of the call would require a court subpoena. 

XXXX called in with a Citizens One rep with questions about the loan. In XXXX, she moved to an unserviceable address. An agreement was reached that she would still need to pay off her equipment loan with Citizens, but that we would forgive her monitoring fee for the remainder of the contract, as noted in that same case. 

However, XXXX claims that on a phone call with a rep at XXXX, she was promised that her Citizens One loan would be forgiven. There are no notes detailing this promise. She was unable to recall when this call might have taken place. 

Resolution : emailed CEFollowUp with a date range to see if they can find the call. 

Date : XX/XX/2019 XXXX spoken to : XXXX XXXX [ XXXX ] Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
NATIONAL CREDIT SYSTEM,XXXX XXXX XXXX XXXX  BLV, XXXX, GA XXXX, ( XXXX ) XXXX I lived at an apartment which this company was the lease holder, when my lease was up I never renewed it and I had no damage to the apartment what so ever. I always paid on time and I felt I had a pretty good relationship with them very friendly and nice office lady and it was ok despite the building was a mess around the outside elevator never worked the whole time I lived there and I lived on the XXXX floor, loud people and building wasnt always secure and when needed the handy man to look at stuff took forever, besides that I had no problems till I left. A year plus later I see my credit report saying I had a bill from them, I contacted them no answer called the collectors and they was rude XXXX and pretty much blame me saying Im the one owned when they didnt even know my side or  anything. This company is terrible and the collectors, the reviews for the company online is below and I see why and I refuse to be held reliable to something I didnt do please have them remove this of my report its been on here long enough and its not my fault thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I let care credit know that I was filing for bankruptcy XX/XX/XXXX. I received XXXX letters afterwards. I called on XX/XX/XXXX to ask why I was still receiving letters in the mail if I advised them I was going to file for bankruptcy. They insisted that they will not cease communication until they receive a case number. They admitted that their system was updated XX/XX/XXXX that a bankruptcy was pending. Hence why I was immediately transferred to the bankruptcy department since the regular customer service staff refused to speak with me. When I asked the bankruptcy department if they were supposed to stop contact with me once they were notified I was going to file for bankruptcy, they said they can contact me until they receive a case number. Im tired of being harassed. It took XXXX months for my bankruptcy petition to even be prepared. It was just signed XX/XX/XXXX and I still havent received a case number because of the backlog in court. What care credit is doing is not fair. I cant control the courts. And apparently its unlawful for them to harass me if I am in the middle of filing for bankruptcy even without a case number.

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 2019-09-24 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: SUNTRUST BANKS, INC.
State: WV

Complaint narrative:
Sun Trust bank placed a late payment on my report in on XX/XX/19. I called the company several times to have it corrected but it remains after the company said it would make this correction. Sun Trust changed the status to " Improved Account '' after I paid the outstanding balance but never eliminated it from my credit report with all agencies. They refunded me the amount I sent which I took to mean they acknowledged their mistake but to date the late payment remains. I want it removed because it is the only late payment on my report and I want my status to return to EXCELLENT. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC
State: IL

Complaint narrative:
I've received notification from All Tran Financial on XX/XX/19 in reference to an XXXX XXXX account in the amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Opened account for purchase of furniture at house address where furniture was delivered. Credit card was delivered to same address. Credit card company/Synchrony Bank sent XXXX monthly bill to another address so payment would be missed on promotional 0 % APR to change/charge default interest rate at 29.99 %. Bad faith by credit card company Synchrony Bank. Synchrony Bank could not provide explanation for change in billing address not provided/initiated by myself/customer. 

Please investigate bad faith by credit card company Synchrony Bank for change in billing address. Thanks

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 2019-09-24 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: STATEWIDE AUTO SALES
State: CA

Complaint narrative:
I purchased a vehicle from statewide auto in XXXX  XXXX California. My vehicle was repossessed, I contacted the local to Police Department and advised him I then contacted statewide auto they told me to pay the tow truck driver and he wont release my vehicle to me I did that I believe this was on XX/XX/XXXX or approximately, I waited to receive my pink slip in the mail I never received it I wanted to XXXX and learn that it had been a lien or hold placed on my vehicle. I contacted the company was unsuccessful getting in contact with anyone I was told that one of their employees have passed away who had my foul in any information about my case I then noticed a couple of months later that they reported this to my credit report as a {$55000.00} debt. I have sent all supporting information to all three we are XXXX times no information was successful I am accidents now remove this from my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation