vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a credit card and they continue to try to take money from an account I no longer use. I asked the bank to close the account last month and they refused. I have called several times to dispute the charges with the last call being today @ XXXX. I have asked the credit card company to show me in the card agreement where it says they have permission to attempt to take money multiple times and no response from them either. The credit card company has been trying to take money multiple times a week since XXXX XXXX, XXXX. I have tried many times to stop it to no avail from the card company or the bank. After the call, I tried to chat with the bank only for them end the chat on me. The credit card company has attempted to take {$100.00} on all of the following XXXX, and XX/XX/XXXX. They attempted to take {$190.00} on the following XXXX, and XX/XX/XXXX. The bank is not covering the amounts and then turn around and charge me {$37.00} every single the credit card company tries to get money from the account. I have tried to dispute the charges multiple times and the bank will not allow me to do it. So they have charged the {$37.00} at least 6 times and that is {$220.00} they are trying to get for free. I have tried to resolve this multiple times only to get nowhere with the credit card company or the bank. This is not right for a bank to continue to do this to their customers. I have told the bank at this point they refuse to help stop the credit card company from trying to take money, so refuse to pay their " fees ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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:
The last payment was made XX/XX/XXXX and the default was 30 days later in XXXX. 
The lender is attempting to make it appear the last payment and default are more recent. 
They show I was 60 days late in XX/XX/XXXX. 
This is not the first time the lender has done this. My score dropped 78 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Open Dealer Exchange, LLC
State: PA

Complaint narrative:
I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my consumer report unless otherwise noted in section 604 of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Got a call from " XXXX XXXX '' XXXX Saying he was employed by " XXXX XXXX '', and was representing " XXXX XXXX XXXX '', he told me there was a law suit against me from wells fargo for an older account from 2008, spoke to wells fargo they told me they have not sold this account to any collections company. He knew my address, name, birth date, and last 4.

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 2021-02-08 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: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a dispute through XXXX  about a Company Showing up on my Credit Report 4 times ( I.C. SYSTEM, INC ) for {$480.00} dollars, but the company states info accurate

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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
My existing mortgage company continued to deduct an automatic draft payment from my bank account 3 days after they were paid in full, by my new mortgage company. I called and asked for a reimbursement for the automatic payment draft deducted from bank account, but said it would be 2 to 4 weeks before they could mail back check.

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 2021-02-08 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: PA

Complaint narrative:
I submitted this complaint already and when I logged in I saw a message that the matter was closed and the company responded. This is not the case. They never responded. I had student loans for my kids with Navient. The interest and repayment did not make sense - and this was confirmed by my accountant. When I made a payment nothing went to principal and my balance kept growing. I refinanced this loan to get away from this usury debt. However, I believe that Navient owes me money due to their incorrect calculations. Before I left Navient I asked for paperwork on how they calculated my interest and they would not give me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient has sent several documents to show that they are correct on their side after my loans have been consolidated. I am requesting the information for my loans prior to the consolidation. The information on the Federal Aid site is different what was consolidated. I am requesting detained information on loans from XXXX and interest since on the Federal site has credits that the Navient information does not show. I am trying to identify that difference. Contacted Fed Aid website but was directed to contact Navient. Attached are copies directly from the Fed website which are in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my consumer report unless otherwise noted in section 604 of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card asked me to pay credit card debt that I do not own. The card was created with identity theft, without my consent, shown on statement credit card created in XXXX. I did not ever involved in any transaction with Discover Card. I report the issue to the police on XX/XX/2020 after I received notification from Discover Card asking me to pay off their credit profile. I believe I should not be responsible for any transaction I did not authorize. However, Discover Card declined to take off the record after I contact Discover Card, for many times over the phone and mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: FL

Complaint narrative:
Received a phone call from ERC wanting me to pay for a past due bill from XXXX. 
Tried keep me on automated system. before finally having to wait for a operator. 
Wanted my social security number. Wouldn't give it. 
Said the were trying to collect a debt from XXXX. 

Called on XX/XX/XXXX @ XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my consumer report unless otherwise noted in section 604 of FCRA.

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 2021-02-08 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter Finance last XXXX reported me delinquent to all 3 bureaus - i was instructed to send them my insurance check for 2 payments - sent XXXX  per their instructions - i hired an attorney who sent them demand letter - they did nothing - although i have a recorded conversation stating exeter was at fault - now i go into XXXX XXXX XXXX  - my bank sends them instructions to draft w a letter - they dud not follow it and again reported me delinquent - i now am able to talk - no XXXX / i sent them another payment - this company twice has reported fraudulently to all 3 bureaus - i spent XXXX on attorneys and im a XXXX  survivor - XXXX - XXXX - nothing has been done - ill file suit in federal court if this is not resolved in 21 days -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: AL

Complaint narrative:
I have a XXXX XXXX credit card reporting on transunion as a charge off and with a balance of {$200.00}, this account is paid with a {$0.00} balance and paid on time. I request that this account be deleted from my report ASAP! I also have inquiries on my transunion report that I did not authorize, XXXX, XXXX XXXX, and XXXX XXXX and I ask that they be removed promptly to reflect correct reporting on my transunion report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: CA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached repo

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 2021-02-08 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have file a dispute in regards to incorrect items on my credit report, It has been well over 30 days and i haven't received any investigation results.

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 2021-02-08 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: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

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 2021-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XXXX XX/XX/21 at XXXX XXXX, I received an automated call from XXXX advising me that my XXXX credit card had been charged {$700.00} from a location in Ohio. The message instructed me to follow various teleprompts if I disputed this charge. I immediately ended the call and contacted a customer service representative via the number on the back of my credit card who notated my account and later sent an e-mail providing this hyperlink.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: NV

Complaint narrative:
I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: MA

Complaint narrative:
Hi CRA ; Im not LIABLE for this account as shown on the attachments and I demand an immediate deletion. Please see the attachments for detail. Its reporting incomplete, misleading, incorrect information and there are multiple inaccuracies even after I just paid off this account. Ive also disputed this account many times directly with original creditor XXXX and also each of the Credit Bureaus and Im in the process of filing a formal complaint with the regulators such as FTC, and Cfpb. 

Thank you very much! See the attachments that Ive successfully PAID off the account and Im not LIABLE! DELETE form my credit report now please!

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 2021-02-08 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: MA

Complaint narrative:
Hi CRA ; Im not LIABLE for this account as shown on the attachments and I demand an immediate deletion. Please see the attachments for detail. Its reporting incomplete, misleading, incorrect information and there are multiple inaccuracies even after I just paid off this account. Ive also disputed this account many times directly with original creditor XXXX and also each of the Credit Bureaus and Im in the process of filing a formal complaint with the regulators such as FTC, and Cfpb. 

Thank you very much! See the attachments that Ive successfully PAID off the account and Im not LIABLE! DELETE form my credit report now please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: CA

Complaint narrative:
i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies P/N 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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation