vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX used my credit report without my authorization. Both these dealerships sent my credit application to multiple finance companies without my consent, causing many Hard Inquiries. I mailed each of the companies and they stated that these 2 dealerships authorized them to run my credit. This was an illegal use of my credit authorization and I would like these Hard Inquiries removed from all three ( 3 ) credit bureaus.

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 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX used my credit report without my authorization. Both these dealerships sent my credit application to multiple finance companies without my consent, causing many Hard Inquiries. I mailed each of the companies and they stated that these 2 dealerships authorized them to run my credit. This was an illegal use of my credit authorization and I would like these Hard Inquiries removed from all three ( 3 ) credit bureaus.

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 2019-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
All inquired on Transunion are incorrect I have called customer service and they refuse to help. After there system failure all inquiries are incorrect and not authorized by 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 2019-06-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
purchased XXXX XXXX XXXX financed thru bank of america that was paid off in XXXX of XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.

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 2019-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
On XX/XX/2018 my car was totaled out I purchase XXXX XXXX gap insurance with my vehicle loan which should have taken care of the remaining balance for my vehicle total loss after the car insurance paid their portion. However XXXX XXXX Gap left a remaining balance on my account which left me past due for two months eventually I paid the balance which resulted in me having to late payments on my credit report I was under the impression that XXXX XXXX gap insurance will pay the full remaining balance of my loan but they did not. How can I get this resolved or can I take legal action?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
some time on or about XXXX XXXX company by the name America express # account XXXX company gold card that XXXX a XXXX per year membership fee that was paid in XXXX on that statement for XX/XX/XXXX. the company have three account with American express never late or never missed payment. last year American express request a copy of the financial statement which they already request them back in XX/XX/XXXX. and the financial record was submit to America express.  America express after review those financial America express re -submit the account in 24 hour and re- open the account.. just because at the time the CPA have not prepare the Tax retune for the year XXXX. the representatives for America express stated that the reason for close the account and for the request for the statement was because my husband 97 % of the charge on the card. he is my husband and he run the company he make the money. I ask American express why they cancelled all of my account. with my income being XXXX and retire income is XXXX per year and we have more XXXX a total of home hold XXXX. with over XXXX XXXX in asset.. and they already have this information on file. they could never give a good reason but your husband charge 97 % of charge. but they just took XXXX membership fee from us on the statement the first of the year .and then turn one of my account over to a collection agency a company by the name of XXXX XXXX XXXX XXXX , why? for a XXXX bill that they cause not to be paid check the record never late never missed all paid my membership fee ever year. this is wrong on so many level. this harassment and discrimination, I believe this is a violation of one age just because I turn XXXX year old but I still work 82 hour a week just pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DATE OF BIRTH OF MY EQUIFAX CREDIT REPORT IS WRONG I HAVE ATTACHED MY I.D . SHOW THE RIGHT INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Performant Financial Corporation
State: IN

Complaint narrative:
I have been in contact with Premiere Credit of North America , LLC for payment of my back taxes owed to the Indiana Department of revenue. These people are extremely hostile. When told that I have been out of work for several months on a XXXX XXXX and that I could be out for a while longer they replied " So how are you going to make these payments that you are trying to arrange? '' Then went on to tell me that if the payment was not kept or if the card that I felt I was FORCED into giving them would not accept the payment that they would levy my wages and lock down my bank account. Both of which are MY property and nothing that I think a CREDIT AGENCY should EVER be able to have access to. These people are the most disrespectful type of people I have ever talked to in my life. They LIE to get you to give them a card just so they are able to take some sort of action. All of this over {$1000.00} in tax debt to the Indiana govt. I've been constantly beaten back every time I have tried to work with them on any sort of payments with " Well if you wanted to make payments then you would have already worked that out with the state, so we need the full amount now or we will put your accounts on hold. ''

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 2019-06-17 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: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
I entered into a payment arrangement and contract with Select Portfolio Servicing in the beginning of XXXX and have made the payments on time, however SPS has been reporting my payments as delinquent and that is an error. The arrangement was to lower the monthly payment temporarily and SPS agreed to this, but reported to the credit bureaus in error and did not report to the credit bureaus accurately reflecting this change. The payment plan we have in place has been paid on time and the loan is being reported as delinquent when it is in fact current with our existing agreement and has been. All letters I have asked for verifying this have come without company letter head and also state the original monthly payment amount which is not relative to our payment agreement or my on time payments which are NOT delinquent as erroneously reported. Your letters say that I am past due, however the payment plan was paid as agreed and that is misleading information. The letter also does not reflect the on time payments for six month unemployment plan. I have never missed a payment as agreed with your company and yet you are still reporting me as delinquent. All payments under the new agreement have been made as agreed and SPS is not reporting the loan unfairly and unethically to the credit bureaus as delinquent which reflects as if I am not paying the loan at all, which is not true because I am current with our agreement. A new agreement was made to defer payments on XX/XX/XXXX and it is still being reported as delinquent. It is not fair to report the payments as delinquent when the payment plan is paid as agreed. My credit score has went from the 600s to the 400s because SPS is reporting the monthly payments as delinquent and that is FALSE. The monthly payments are current according to our agreement and I would like SPS to current the false reporting and backdate the delinquent payments as current according to our plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This complaint is perhaps a little tardy as to the merchant who was posting unpermitted charges, my complaint is the handling of the situation by Capital One. 
I will try and be brief : I signed up for advertising and SEO from a california company with my Capital One Credit card, They were unable to deliver the promised service adn the account was cancelled, for months they continued to post charges of various amounts that capital one would not block, i declared the fraud capital one refused to credit the wrongly charges funds and instead stated that they needed me to have a new card - that card was issued ending in XXXX. Trouble was that when the account person at the fraudulent charger called capital one CAPITAL ONE GAVE THEM THE NEW ACCOUNT NUMBER, next capital one says the only thing we can do is close the account ( the credit line of {$10000.00} had become vital to my business and paid 1.5 % cash back ) So I agreed, closing the account because they said after it was closed I could order a new one., so once the account was closed and paid off ( i got the evil merchant to refund some of the taken money ) I responded to an advert by capital one to me for another cash back credit card and I accepted the offer - THEY LIED the card i have been using does not have a cash back feature!!!! On top of that they now say they are only willing to provide a {$500.00} line of credit, odd since I have paid off all revolving debt, have been earning more and own a home now. Beware they are tricky!!!! 
Once

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
For the past 3 months I have tried to dispute the charges of medical bills that are not my debt. They said the debt has been in collections as of XXXX of 2019. For XXXX  this isnt mine. I have tried disputing with letters and and they will not remove it. And XXXX from XXXX XXXX in the past due amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On the XXXX, I loaded {$18.00} as well as accepted {$5.00} from my boyfriend and aunt ( a total of {$10.00} sent to me ) onto my cash app account trying to send it to my brother in law to get me a XXXX. When I tried to send the money it declined and when I tried to resend the money to my debit card it wouldnt work. I contacted support but they said my account was closed for violating terms of service but I didnt do anything I never had a transaction above {$25.00}. I tried to load another card but then it said not supported then once I finally loaded a successful card on there and tried to cash out the money it said it could only be cashed out to the initial debit card the cash came from. Which makes 0 sense because it wouldnt allow me to load the debit card onto the account or cash out to it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: PA

Complaint narrative:
All inquired on XXXX are incorrect I have called customer service and they refuse to help. After there system failure all inquiries are incorrect and not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
To whom it may concern : Thanks for your time helping me, the credit card co is called : Union Bank Visa. i've purchased some merchandise on line from XXXX in XXXX last year, for the amount of {$220.00} and i've returned some of the items to them and got refund of {$93.00} on XX/XX/2018. 
When I've received my credit card statement, I saw XXXX  did issue me a credit of {$93.00}. but Union Bank Visa charged me for {$93.00} again as a " security adjustment '' and it happened exactly the same as another charge of {$10.00} on XX/XX/2018. I've tried to contact them since this XXXX, they asked me to call their fraud dept at XXXX, ext : XXXX and talked to XXXX, I've tried more than 20 times since XXXX, she never picked up the phone, and only returned my phone one time and after I tried to call back, it was just as before, can't get hold of her till I finally I talked to her on XX/XX/XXXX and explained the situation, she kept telling me the security adjustment is a credit, but after I asked her to calculate the total for my balance, it proofed it's not a credit, its a CHARGE! then she said she will call me back and hung up on me! After that she never called me back no matter how many messages I've left on her. I even talked to two supervisors at their customer service and complained about that, all they said is they can't do anything, I can only talk to XXXX! 
The most ridiculous thing is when I received my XXXX statement, they charged me those 2 items again plus the late fee and interest! I've talked to their customer service and one of their rep is very helpful, she told me she heard lot customers complained about XXXX, but there is really nothing she can do over there, she just helped me to wave the late fee and I asked her to make sure to dispute those charges till they can finally solve my problem and she said sure. 
I just received my XXXX statement, and they charged me the late fee AGAIN also includes the charge they over charged me. Now my balance is {$230.00} including the late fee, interest and 2 items they've over charged me 2 times! 
I will be really appreciated for your time and help, really hope you can solve this problem for me, I believe they know their system has this problem and keep charging customer by " security adjustment ''. I will be highly appreciate to hear from you soon. 
Thank you very much!

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 monetary relief
Consumer complaint received 2019-06-17 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: NC

Complaint narrative:
I applied for unemployment loan deferment XX/XX/2018 when I lost my lost job last year. I received and signed the acceptance of the deferment and Navient has refused to honor this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I sent this company a validation letter and they signed for it on XX/XX/XXXX about an alleged debt they say I owe. What I received in return was a bill/statement. 

They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have a legally binding contractual obligation to pay them the alleged amount, Furthermore The whole entry on my credit file of this account is completely inaccurate along with the dates on the bill/statement they had sent me that supposedly verified this as a valid debt I owe. 

The open date that shows on my credit report, regarding this account shows that it was opened XX/XX/XXXX however on the bill/statement they have sent me it shows date ranges from XX/XX/XXXX to XX/XX/XXXX? So 3 years later they want to report this false information? 

The high balance compared to the balance on my credit file for this is showing a high balance of {$210.00} but a balance of {$610.00}? But on the bill/statement they sent is shows {$610.00}? Nothing is accurate about what they are claiming! What is crazy is that the credit bureau ( s ) came back and said it meets FCRA requirements Thats a lie. What proof did they get?! 

I am making a final attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. 

All documents regarding communication with this company including return receipts and what I received from them along with the entry of this account on my credit report have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BEACON FINANCIAL CORPORATION
State: OH

Complaint narrative:
Contacted this bank and they are unable to provide me any information concerning a fraudulent account. Sent mail and filed FTC complaint. This company refuse to validate debt. This company cant provide signatures on any documents because the account is fraudulent.

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 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank Credit Card {$430.00} XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ALL " CRA '' REPORTING ERRORS OF INCORRECT " PACER '' DATA / NOT MY ACCOUNT " PUBLIC RECORD/ BANKRUPTCY CH XXXX '', PUBLIC RECORDS OUTDATED REPORTING PAST 10YRS AND UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE

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 2019-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
purchased XXXX XXXX XXXX financed thru XXXX  XXXX XXXX that was paid off in XXXX of 2017 and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.

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 2019-06-17 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: IL

Complaint narrative:
purchased 2006 XXXX XXXX financed thru XXXX XXXX XXXX  that was paid off in XX/XX/2017 and i  have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.

Company response to consumer: Closed with explanation