vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. I am writing in regards to a loan ( # XXXX ) that has been placed on my credit report. I did not purchase the vehicle associated with this loan, nor did I sign/cosign for anyone else to obtain this vehicle. I would like all things concerning this loan removed from my credit ASAP and my name removed from the loan with USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have several inquiries that do not belong on my credit report such as fifth third bank, XXXX XXXX and several more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on Monday, XX/XX/XXXXi went to deposit a check into the wells fargo ATM. i went to the Wells Fargo ATM because a Wells Fargo bank teller told me that if i deposit a check into an ATM, the funds will be available immediately. after depositing the check, i checked my account to see if my funds were available and they were not. they were pending. i proceeded to call Wells Fargo customer service to ask why my funds are constantly put on hold when i deposit a check. they didnt help at all, they just told me the funds will be dispersed the next morning. This has happened every time i deposit a check. Wells Fargo also blamed the Federal Reserve and stated that they were still processing the transaction. i then proceeded to call the Federal Reserve to make sure. The Federal Reserve told me that it was all on Wells Fargo and it wasnt up to them. they then told me to file a complaint with this service. Wells Fargo has put a hold on my funds several times and that is not okay with me because i depend on those funds on that day and am now XXXX on how im going to XXXX today.

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 2017-10-23 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: TCF NATIONAL BANK
State: IL

Complaint narrative:
I have several inquiries that do not belong on my credit report such as XXXX XXXX XXXX, XXXX XXXX and several more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have several inquiries that do not belong on my credit report such as XXXX XXXX XXXX, XXXX XXXX and several more.

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 2017-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
We took out student loans through XXXX XXXX XXXX. We were billed for all XXXX years, though my XXXX only attended for a few semesters. We have continued to pay, but the amount continues to increase and we are told different information each time we call. I do not feel this is being handled correctly and this is the same school that was closed due to fraudulent student loans. We have tried to resolve with navient, XXXX XXXX and XXXX XXXX as each of these companies have serviced the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On X/XX/2017, GE Capital Retail Bank, XXXX XXXX XXXX, XXXX NY XXXX, phone XXXX, frauded/scammed me during a loan process. I paid over XXXX in XXXX cards to them for fees, insurance, etc. At the end of the loan, they said for me to get the money, plus my fees back, I needed to pay over {$600.00} in taxes to IRS through them cause it was state to state loan, I refused, the loan was voided. They also sent me a check that bounced that caused my account to be frozen, costing me bank fees. The names of the officers from the bank, 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 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A credit monitoring service reported to me accounts and inquiries that were n't mine in XXXX. I tried to access my free credit report from TransUnion on line but TransUnion did not accept the information I provided. I was able to order a report by phone using my social security number, but the report I received was in the name of a woman with the same first name as me and a social security number that matched 8 of the 9 social security digits. The address, phone numbers and birth date matched mine but the credit accounts included both hers and mine. I finally got the fraud department to check into separating the two files after my letter requesting it was ignored with the complaint they could n't read my driver 's license, which I believe is purposefully designed to not be copied and scanned. I requested a credit freeze but was told I could n't because of the commingled file. TransUnion put a security freeze on my file with my cell phone number for verification, but the freeze ended up on the other woman 's account with my phone number. I am still getting confirmations from XXXX in the other woman 's name at my address. I have received someone else 's credit report and social security number in the mail. Her credit report also listed her address and phone number in the file. This is third time this woman 's information has ended up in my file and it is worse this time because I am retired and cutting back on my debt while she is increasing hers. TransUnion uses social security numbers as identifiers but seems more interested in like numbers than exact numbers. TransUnion will not give me a free freeze and I do not know how to protect myself from losing my credit identity again.

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 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, md ) had rented a music instrument to my son for which the full amount for a 1 year rental was paid. The instrument was returned at the end of the school year but the company claimed they did not receive the instrument and kept charging the rental every month. Communicated to them via email and phone but kept sending new invoices every month adding to the previous amount. 

They then reported to a debt collection agency and placed it on my credit file. I reported the complaint through XXXX and XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear staff I am writing regarding a problem I am having with Equifax. I am unable to retrieve my credit report and score from them using there credit monitoring products, in addition No one else can retrieve a credit report or score online I have been unable to get credit and better interest rates because no company can get any of my information from this company so I am only able to use the other burueas. I have made multiple phone calls and spent hours on hold. the agents at Equifax also say they are unsuccessful in retrieving my credit report. they stated they will put in a ticket to get it fixed. because of this I have lost the opportunities for greater credit limits and better interest rates since some companies rely on an Equifax score and report. I am now only able to use The other XXXX bureaus for credit as I stated before. this company has cost me a great deal of money and time. I want my credit report fixed. 

also note that the credit cards I currently have are not being reported to Equifax because my creditors are saying when they send over a new tradeline to Equifax it comes back with an error message or a kick back from the company. 

also note this been a problem for almost XXXX years and I have tried many times to fix this with the company, unfortunately I now have to seek help from CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 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: CA

Complaint narrative:
I checked my credit report and saw that I had an incorrect balance of {$500.00} on my XXXX XXXX account. The balance should be {$0.00}. Transunion previously reported I had a zero balance and now it is back up to {$500.00}. I contacted XXXX XXXX and they informed me that Transunion sometimes pulls old reports. I contacted Transunion and the first reps phone was barely working, but he submitted my complaint. Then I received an email saying the issue was resolved, but nothing has changed on my credit score which has drastically gone down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: NY

Complaint narrative:
There are two mortgage accounts that are reported to the three credit reporting agencies under XXXX account number XXXX and XXXX from XXXX/XXXX/XXXX. Those two accounts where paid in full and the accounts were closed on 2012. The accounts are reporting as joint accounts. However, there are late payments reported. Those two accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the three credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to XXXX XXXX and Equifax, and to this day they keep responding that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are two mortgage accounts that are reported to the three credit reporting agencies under XXXX account number XXXX and XXXX from XX/XX/XXXX. Those two accounts where paid in full and the accounts were closed on XX/XX/XXXX. The accounts are reporting as joint accounts. However, there are late payments reported. Those two accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the three credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to XXXX, Experian and XXXX, and to this day they keep responding that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to 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 2017-10-23 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: GA

Complaint narrative:
To whom it XXXX concern : On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, I mailed TransUnion XXXX by CERTIFIED mail in regards to some reporting issues that I have with them. The account names are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It 's been an ongoing and frustrating process trying get them to investigate the issues that I have properly with the creditors. They 've also failed to provide me with factual and accurate information validating and verifying the accounts and inaccurate information that they continue to report. I made it perfectly clear to them in my letters that I wanted these issues thoroughly investigated and that I wanted to be updated in full detail of the summary of their investigation. Including the name of the company and representative that they spoke with along with the date and time, valid contracts, and anything else that will prove that what they continue to report is verified as well as validated. I also included that the issues can be resolved by simply removing the inaccurate and incorrect reporting if the items I mentioned above ca n't be provided. This has truly been a painful experience for me. What makes this process more frustrating is that I 've contacted other credit bureaus concerning some of the same issues and they 've more cooperative and helpful than TransUnion XXXX. I thought that they are supposed to have consumer 's best interest at heart. Instead, it seems as though that they 're trying to hinder me. I did n't want to result to filing this complaint, but I hope that this will be the conclusion of this entire ordeal because I 'm exhausted! 

Certified Mail # XXXX XXXX/XXXX/XXXX Certified Mail # XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX. The number was Unknown name XXXX. The person who called was XXXX XXXX. He was looking for a family member that does not live here. I told them the person does not live here at this number. I asked him to remove this number. He continued to harass me asking me questions. I told him I was being harassed, and he needed to remember that he was on a recorded line. I was place on hold and someone else came on the line an XXXX XXXX. I asked for their information she told me they were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MInnesota. She apologize and agreed that XXXX XXXX should have apologized and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: MISSION FINANCIAL SERVICES CORPORATION
State: NC

Complaint narrative:
mission financial sued for the remaining amount on the truck for XXXX then they reported XXXX on the credit report. they are displaying unfair debt practicies by re-aging the debt and changing the amount owed. Everytime I call they give me a different amount but they put XXXX on my credit report. They clearly have violated [ XXXX XXXX ] subsection XXXX ( XXXX ) my mis-representing the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, my mortgage with Wells Fargo Bank ( loan # XXXX ) was paid off in its entirety. To date, my escrow overage AND mortgage over payment totaling in excess of {$10000.00}, has NOT been received. It occurred to me that Wells Fargo routinely charges its customers interest on monies owed them. Moreover if Wells Fargo engages in a " pattern and practice '' of this type of behavior, the potential for HUGE ( and improper ) profit taking, would seem wrong. I submit this for your agency 's consideration. Thank you, 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 2017-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
They refuse to put my debt in dispute. Second they keep sending me bills I owe it. I have never ever received any correspondence from them at all except pay the bill. They refused to give me the information at. firs of their client. They keep lying to me like they are the hospital or medical center. I asked if they are a collection agency they will play games and say they are. They refuse to correspondence with a attorney and lied to her saying that they are the medical company. I will file suit this week

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: NJ

Complaint narrative:
EQUIFAX Failed to comply with FCRA. Did not verify and removed withdrawn items. 
I sent a dispute letter to EQUIFAX last XX/XX/XXXXto dispute INCORRECTLY reported items on my credit report including public records. Not satisfied with the investigation results as the information is still incorrectly reported, I wrote to them again last XX/XX/XXXX disputing the same items. Nothing happened. I Again disputed this to them and send another letter dated XXXX XXXX, 2017, disputing all the public records and some other incorrectly reported items and still nothing has been done. I went to the court and verified myself that the liens has been withdrawn earlier this month. I called EQUIFAX today XXXX XXXX, 2017 to inquire why the liens are still reporting. Spoke to a VERY RUDE Agent XXXX. XXXX confirmed that Equifax hired XXXX XXXX to get public information. Asked XXXX when Equifax last contacted XXXX XXXX to verify the disputed information accuracy and correctness. XXXX informed me that Equifax last contacted XXXX XXXX for verification last XXXX ( WHOLE MONTH OF XXXX TO BE EXACT ). Asked XXXX, why no contact has been made to XXXX XXXX after XXXX even though I sent them request for reinvestigation last XXXX XXXX and XX/XX/XXXX which is part of my federal rights per FCRA. XXXX can not give me a straight answer. XXXX and XXXX REMOVED all those liens from my credit report, which is another proof of EQUIFAX 'S VIOLATION of FCRA. The fact is, straight from Equifax 's agent XXXX 's mouth, he admits that Equifax did not contact the provider of these pieces of information ( XXXX XXXX ) despite my request for re-investigation last XXXX XXXX and XXXX XXXX. They are responding to my letters saying that the items had been verified even though they did not contact the furnishers. It has been 6 or 7 months now since I first contacted Equifax and  definitely this is a violation. Confirming with Equifax themselves that they did not contact the furnishers despite my requests/letters sent to them and me confirming with XXXX XXXX that they were not contacted by Equifax, is another violation of FCRA. If these is how Equifax works, what is the guarantee that they contacted the other furnishers listed in my dispute? 
I filed a complaint to BBB with regards to this issue and Equifax does n't seem to pay much attention and showed their negligence by not responding to BBB. BBB Case # XXXX. Please see attached BBB complaint.

Company response to consumer: Closed with explanation