vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 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: IN

Complaint narrative:
XXXX XXXX has fraudulently been using my SSN since XXXX and in XXXX was convicted in open court of identity theft, ordered to stop using my SSN and released. She has not only continued to use my SSN, she has my current contact info and is opening accounts with my cell phone number which was changed a year after she was convicted. 

XXXX & Transunion wont don't anything to help me as my information does not " match '' their files ( duh ), but the same fraud alerts were placed with them for the same reason going back to XXXX and they still have done nothing to correct their records. 

I have gone round and round with XXXX XXXX, XXXX XXXX, XXXX XXXX and multiple Collectors to absolutely no resolution for the past several years and as recently as XX/XX/XXXX. These institutions left the fraudulent accounts open because I couldn't prove who " I '' was. I have filed multiple police reports and requested assistance from my State Rep and every time I receive the answer that " No Identity Theft or Fraud was Found ''. 

XXXX XXXX site only allowed entry of a few of the items from the fraudulent history, but every single account listed on there is fraudulent & now wont even talk to me on the phone as their records have my name spelled incorrectly and even though I confirmed all my security question information correctly. In addition, because I cant " prove who I am, I can't even place a fraud alert '' With regard to Transunion, I can not even ACCESS my credit Report and they won't talk to me either .... 

9 years now,,, and Im still jumping through hoops to resolve this! The ONLY bureau that has everything correct is 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 2018-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: WA

Complaint narrative:
I recently borrowed {$800.00} for XXXX XXXX. I have already repaid {$1000.00} back to them! They say I still owe them {$2000.00}!! I cant believe this is legal? I would have never agreed to borrow {$800.00} for {$3000.00}!! I was in a financial situation, yes! However, I wouldnt have accepted this loan!! This is crazy!! What is 919.3012 % Annual Percentage Rate? This cant be legal? This company takes advantage of the disadvantage!! Under any terms, Its unfair!!

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was incorrectly charged by a merchant ( XXXX XXXX ) and Chase refused to dispute it on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Netspend Corporation
State: FL

Complaint narrative:
I have direct deposit set up with netspend. My payroll company sent my paycheck to them on XX/XX/XXXX and its now XX/XX/XXXX I have not received a single cent from them. I have mad over 20 calls and sent 5 emails all i get in replay is they are having an issue will be fixed soon. I looked online and they have been doing this to many customers over the last 5 days

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 2018-10-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hi cfpb I am reporting XXXX for reinserting a debt that doesnt belong to me from, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX. I have proof that it has been removed and have proof. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection. IF not removed I dont mind proceeding with litigation as I am covered with all my documents from old to present. Please remove for the exchange of violation of {$1000.00} per each and litigation.

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 2018-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Netspend Corporation
State: MD

Complaint narrative:
Netspend holding direct deposit.

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 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
They won't release our funds and since the XXXX of XXXX the have said that they are aware of the issue but it is now the XXXX. My bill are late now and my insurance got cancelled because the EFT bounced. They are not giving a temporary credit or any other resolution. Customer service just tells you to keep trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/18, Paypal informed me that my account was " limited '', meaning deactivated. They would not give me a specific reason but they did inform me they will be holding my funds for 6 months. I have over {$850.00} available for withdrawal and another {$800.00} on hold in that account. Even though my funds are " available '', they blocked me from transferring or accessing any of it. This is a lot of money, hard-earned money, and I desperately need it. I can even provide assurance that there will not be a dispute on the majority of the money because that customer has returned and placed a second order. She is willing to confirm that as well. How can they legally do this? Who allows someone to return an item or file a dispute six months after purchase? That is utter nonsense. It's bad enough that I can no longer use that platform because most of my business transactions were processed through Paypal. I am very limited at this point and my sales are down because I can not sell on XXXX without Paypal access. All of my XXXX customers use Paypal only. Third-Party selling sites, like XXXX, charge enormous fees to sell on their sites. My income has been more than cut in half and I can not even access what little I do have. I am in dire need of help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
I checked my bank this morning and this debt collector took XXXX dollars out of my account. I called the bank and they gave me the number of the collector and said that they had a court order. I never went to court. I dont have a job and Im still fighting with XXXX XXXX XXXX  over the work mans comp. There is no way to reach these people because it says the line is busy. the only income I have is childsupport.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: SB Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/2018, I recevied a letter from XXXX XXXX, showing that my account with them was paid in full. XXXX XXXX, the Assistant Manager for Customer Service Department of XXXX sent the letter to my email. 

However, on the XXXX Credit Reporting System, XXXX continues to show that I have a late pay, ( which I don't ), and they show me 30-45 days delinquent although I have made past payments on time and paid the balance off completely. 

Each day this stays on my credit report, the days delinquent increase. I have contacted them and discussed the situation with them, it continues to remain on my report. This also has an impace on my credit score, causing it to drop. 

XXXX has also locked me out of my account but I can not get assistance with this over the phone with XXXX. The lock out is due to me perhaps answering one of my security questions incorrectly. So at this point I can not get in to see the details of my XXXX Report. The reps at XXXX do not speak clearly on the phone therefore it's difficult to get anything resolved. This dispute continues to go on and on eventhough I have paid this account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: MT

Complaint narrative:
I have two inquires on my report from XXXX XXXX XXXX on my credit reports one on XX/XX/XXXX and one on XX/XX/XXXX and I have never applied to XXXX and have no idea that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
Principal payment only I have incidents with caliber home loans twice within the last 3 months. 
The first incident payment was sent electronically, the payment showed that it was received but never posted to principal balance until 2 emails ( my second showed that I was XXXX ) It was taking care off. After this incident, the payment was received and has been posted correctly. 

The second incident payment happened recently. I called caliber after 5 days ( gave them time to work on it, and I did sent email in between ). I  called them on the 6th day, talked to agent who did not show motivation in helping client and no clue of what Is going on to locate the payment, no alternative suggestions. All I got was they have not received payment. I did confirm with my bank that the payment was received and processed by caliber. 
In my opinion and experiences with thsi company, I feel that they make it difficult for us as consumers to pay down the loan in order to gain more interest. It is unfair practice and seem cheating on our hard earned money. 
I need someone to investigate this company and taking care of this issues because I am sure I am not the only one this happen to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
I had an mobile deposit from a loan company they shut my debit card off and said I need to call the bank when I did they said they thought it was a scam well they locked my checking account out to where I can't withdraw my money they have take. An overdraft charge out of it I was not overdraft it has been almost 3 week the check has not been returned and I got an email to state that the mobile deposit had been approved and processed they won't let me into my account to get my money they said they are closing my account on the XXXX and that if I had anything left they would send it in a cashier 's check to me. They have already charged me an overdraft charge and the mobile deposit was approved I'm dealing with us bank

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 2018-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
XX/XX/2018 I noted in a recent comment of mine to the CFPB that queries about double and false billings are rarely answered by the Union Bank. I received a call from XXXX XXXX, an assistant in the president 's office, was very angry that I had sent a negative comment to the CFPB regarding accounting errors by the Union Bank. She said that in retaliation she was not crediting a {$330.00} payment to the Bank made in XXXX ; and it has been billed as owed interest, since then, instead of credit, for months. I am curious, of course, what happened to the money. I never received a check from the Bank for that amount, so we have to assume that she tucked it away in one of two unauthorized accounts manufactured by the Bank in my name, or treated XXXX, her office-mate, a recently expelled ( 10 year ) employee of infamous XXXX XXXX, for lunch, She apparently has impunity, and employees may be encouraged by management to supplement their salaries with a bit of buccaneering. 
Similarly, a query about a {$600.00} charge for appraisal that didn't occur, and was not authorized was ignored. Not the least, along with charges of false interest the imposition of a contract type that I rejected and emphasized didn't want, was misrepresented as a kind that I wanted, actually due to employee negligence : over XXXX forgetting to file the transfer. To cover up the error he induced us to sign the objectionable contract by misrepresenting an illegible copy. This Is now an added burden, with the Bank refusing to remediate the error. These aren't good people to deal with, especially if you are a senior. 
It was only after a large expenditure of time and numerous complaints that the Bank rolled back the accounting to last year and returned a substantial amount of money that was incorrectly accounted for. But the problems never stop. We continue to be harassed every month by telephone calls for payments that were already resolved. We believe that it is Bank policy to harass seniors until they tire and cease objecting.

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 2018-10-16 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: UT

Complaint narrative:
Equifax is the only bureau reporting 3 collections to my credit report that are not mine. I do not have nor do I ever get collections and all our medical is auto drafted from our account automatically. The accounts show NOT REPORTED- XXXX & XXXX & XXXX - These are erroneous and not mine. I demand to see a signature and XXXX XXXX is not valid verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: NC

Complaint narrative:
Hi cfpb I am reporting XXXX for reinserting a debt that doesnt belong to me from, XXXX XXXX XXXX AND XXXX XXXX XXXX I have proof that it has been removed and have proof. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection. IF not removed I dont mind proceeding with litigation as I am covered with all my documents from old to present. Please remove for the exchange of  violation of {$1000.00} per each and litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
A payment was sent to Navient on XX/XX/XXXX. I used their online portal and emailed them 3 times to apply my payment in full to loan # 2. The only way I seem to be able to get them to respond and actually apply my payments correctly is to file a complain after getting frustrated with Navient not following my remittance information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: NY

Complaint narrative:
Consumer complaint narrative I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit and a police report asking that they remove the XXXX XXXX is the results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter. As to the damage done by having in my credit report this fraudulent item, I been rejected 10 times for new credit.

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 2018-10-16 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: NY

Complaint narrative:
Consumer complaint narrative I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit and a police report asking that they remove the XXXX XXXX is the results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter. As to the damage done by having in my credit report this fraudulent item, I been rejected 10 times for new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: LA

Complaint narrative:
On XX/XX/18, I received my regular email stating that I have a installment payment coming up on XX/XX/18. I asked the Representative for a payout balance and was told that the amount was XXXX. I have been making my payments of XXXX since XX/XX/18, which is over {$1100.00}, that has already been paid on my loan borrowed amount of XXXX. This means that I have not paid but {$8.00} on my principle and the remains of the {$160.00} was applied to the interest. The installment plan is for 14 months at {$160.00} bi-weekly. I will have paid over {$3000.00} on {$700.00}. This should be consider illegal. This company is using illegal tactics and practices by making it hard for the consumers to payout there loans out. I would like to see this company brought under investigation for unethical practices. The customer service representative told me that there call center is located in XXXX XXXX and there office is in South Dakota. So I was speaking to someone outside of this country. The FTC has a law enforcement warning for companies contemplating similar tactics. Its always bad business to engage in deceptive and unfair practices. I have been receiving advertisements in the mail from this company. I needed help at the time and I thought this was a reputable company. This company should be penalized and stop for unauthorized hidden fees. Consumers should have rights against these scam companies. ( XXXX XXXX ). 

Thank you for allowing my voice to be heard. 
Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: UT

Complaint narrative:
ALL The credit bureaus are refusing to provide results and remove fraudulent information from my credit report. 
Transunion has stalled on all my disputes I have sent, I have sent 3 in the last 60-90 days and they continue to ask for proof of my identity. I have sent my ID, Proofs of address & a copy of my social multiple times. I have filed previous complaints and they still ask for this info. I need the CFPB to step in and do something. I have attached ANOTHER proof of identity. 
There are items on my credit report that ARE NOT MINE!! All 3 major credit bureaus are reporting them and I have disputed them yet they stall or say they are valid. I would like to demand to know how you verified these inaccurate accounts? 
MY NAME IS COMMON AND OFTEN I GET STUFF FOR A XXXX XXXX ON MY CREDIT BUT I USE MY FULL NAME FOR ALL MY STUFF. MY FULL LEGAL NAME IS : XXXX XXXX XXXX XXXX. 
I am contacting my attorney and the attorney general in each area of your operation. 
THese accounts are not mine : all the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hi cfpb I am reporting transuion for reinserting a debt that doesnt belong to me from, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have proof that it has been removed and have proof. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection. IF not removed I dont mind proceeding with litigation as I am covered with all my documents from old to present. Please remove for the exchange of violation of {$1000.00} per each and litigation.

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