vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I recently had some negative information reported on my XXXX, XXXX   and Experian reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

XXXX XXXX File Number : XXXX Experian Report Number XXXX XXXX SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These number do not belong to me!! 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX I have attached proof of my address in this complaint.

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 2018-05-23 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: CO

Complaint narrative:
XXXX XXXX received the final payment on my account on XX/XX/XXXX ( this was a bank draft sent directly from my Credit Union on XX/XX/XXXX ). That billing cycle completed on XX/XX/XXXX. On XX/XX/XXXX, I received a check from XXXX XXXX in the amount of {$12.00} as over-payment on my account. They still have not updated my credit report to show that the account is paid in full as of today, XX/XX/XXXX. I called the local branch in Maryland ( XXXX ) where the account originated, I spoke with XXXX, and was told there was nothing they could do to help me. XXXX also said she did not know the phone number to call at their headquarters and I would just have to wait for them to update my account. The number is on the XXXX XXXX homepage ; it's not rocket science. I called the main headquarters ( XXXX ) and had to leave a message, but did not receive a call back. I have disputed this information with all three credit bureaus and none have updated my account information. All three say the lender has verified I still have a balance of {$2600.00} and that the last payment made was in XX/XX/XXXX. This is completely inaccurate and frustrating considering I never made a late payment on that account. If I was behind on even one payment the phone calls and letters from the lender would have been relentless, but now it's okay for the lender to take their time to update my records and tell me I can't even expect a specific date of resolution. I am in the process of applying for a home equity loan and need this information updated immediately. Unfortunately, XXXX XXXX only wants money from their customers and will do nothing to help when the loan is repaid and the credit report should be updated.

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 2018-05-23 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX received the final payment on my account on XX/XX/XXXX ( this was a bank draft sent directly from my Credit Union on XX/XX/XXXX ). That billing cycle completed on XX/XX/XXXX. On XX/XX/XXXX, I received a check from XXXX XXXX in the amount of {$12.00} as over-payment on my account. They still have not updated my credit report to show that the account is paid in full as of today, XX/XX/XXXX. I called the local branch in Maryland ( XXXX ) where the account originated, I spoke with XXXX, and was told there was nothing they could do to help me. XXXX also said she did not know the phone number to call at their headquarters and I would just have to wait for them to update my account. The number is on the XXXX XXXX homepage ; it's not rocket science. I called the main headquarters ( XXXX ) and had to leave a message, but did not receive a call back. I have disputed this information with all three credit bureaus and none have updated my account information. All three say the lender has verified I still have a balance of {$2600.00} and that the last payment made was in XX/XX/XXXX. This is completely inaccurate and frustrating considering I never made a late payment on that account. If I was behind on even one payment the phone calls and letters from the lender would have been relentless, but now it's okay for the lender to take their time to update my records and tell me I can't even expect a specific date of resolution. I am in the process of applying for a home equity loan and need this information updated immediately. Unfortunately, XXXX XXXX only wants money from their customers and will do nothing to help when the loan is repaid and the credit report should be updated.

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 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I've seen a medical bill on my credit report, when I contacted the company they informed me it was from an emergency room hospital visit that I was not aware of. I contacted XXXX XXXX Hospital and they have no records of me having an emergency Hospital visit on XX/XX/17. I asked the collection company to provide me with the contact number of the agency providing them with the information and was told that they don't have the information and I was seen on that date. I contacted the collection agency at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCash Holding LLC
State: MO

Complaint narrative:
Repeated calls and messages from different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reached out to Experian on XX/XX/XXXX. I reached out via USPS letter. I also called. In the letter I asked for them to verify debts from XXXX XXXX XXXX. I asked for them to provide me with all documentations that had on file as of XX/XX/XXXX that were used to verify these fraudulent accounts, I asked for the name, number and address of the person who personally verified these accounts. I received their dispute results and Experian has slapped me and the fcra in the face. They refuse to follow the basic laws. I've reported identiy theft to them. Put an ID sercurity alert and asked for the accounts and inquires that were fraud to be deleted. XXXX  and XXXX  have followed through. 

Experian believes they are above the law. I'm now demanding they provide me with everything they have in their files as of XX/XX/XXXX that was used to verify XXXXXXXX XXXX XXXX and to remove all fraudulent inquires asap. 

I will file a complaint with FTC, XXXX  and the attorney general.

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 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Some one from my PNC business checking account initiated ACH transaction for XXXX for six days and transferred more than {$30000.00} from my business account. 

Company who took out the money : XXXX XXXX  XXXX XXXX XXXX named some company originated these translations. 

On XX/XX/XXXX -- - {$5000.00} On XX/XX/XXXX -- {$5000.00} on XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} Total : {$30000.00} was taken out from our PNC Bank account without our permission. When ACH transaction initiated we weren't aware and there was no permission given to the company PNC bank even didn't care to check the permission or never called us to get permission to authorize these transactions. 

When we checked our statement on XX/XX/XXXX thats when we came to know about these Fraud Transactions. We notify bank immediately and their answer was in order to stop these transactions we need to notify them in 24 hours and they can give money as ACH if the person knows our account number and routing number. Bank 's response was very casual and said all they can do is submit this to their fraud prevention department and nothing else they can do about our money getting back. We weren't even offered for temporary funds in order to operate our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: MI

Complaint narrative:
In XX/XX/XXXXI contacted Transunion to correct an auto loan information with XXXX creditor. They have not corrected the inaccurate info they are reporting. They are also reporting false info about an account with XXXX XXXX opened in XX/XX/XXXX and will not remove it. I have not ever had an account with this company and did not open one with them recently. XXXX  is also reporting this inaccurate information. I want these inaccuracies fixed immediately as they are preventing me from financing purchases and providing for my family.

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 2018-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX, a contractor, in XXXX sold me an ac unit. They offered financing and told me i needed to submit an application through XXXX XXXX in order to get financing offers through XXXX XXXX and XXXXXXXX XXXX at special low interest rates. The salesperson 's name was XXXX XXXX and the owner is XXXX XXXX. They lied. On XX/XX/2018, this caused a hard hit on my credit report and XXXX was the actual financing company. I have excellent credit and this cause my score to drop 10 points. They offered me 18 % interest and wanted me to pay {$11000.00} for a {$6200.00} 14 seer ac. XXXX  was trying to rip me off so i did not use them and i paid on my credit card instead. I contacted XXXX XXXX. XXXX said he would call XXXX to have the inquiry removed because the salesperson should not have lied to me about XXXX being the financing company. I also called XXXX, they would not remove because they said it wasn't fraud. I told them i submitted the application under false pretenses. Please help. I spoke with XXXX at XXXX and her manager. XXXX. XXXX 's number 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 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/XXXX, while in the XXXX XXXX XXXX in XXXX, XXXX, I agreed to have Care Credit/XXXX XXXX, ( XXXX. XXXX XXXX, XXXX, XXXX XXXX phone # XXXX ) finance {$2400.00} for XXXX XXXX. My signature is undecipherable on this note because I was under pain medication. I was told that there would be no interest charges if paid in 24 months, so I agreed to have {$100.00} automatically transferred through my bank account in order to be paid on time. I received no statements by U.S. mail or e-mail stating what we owed until XX/XX/XXXX, while at the bank for other business, that we owed XXXX XXXX   {$1000.00} yet. In XX/XX/XXXX, I called XXXX XXXX  to find out why they claimed we still owed {$1000.00}. I was told at that time that the loan was interest free for only 18 months and that ended on XX/XX/XXXX. We then were charged $ XXXXinterest with a balance of {$800.00} that was still owed as of XX/XX/XXXX. This brought the balance up to {$1500.00}. When my wife and I found out that we owed this amount we couldn't believe it. We had already paid them through XX/XX/XXXX {$2800.00} in 28 payments. At that time we then requested the statements from the beginning of the loan XX/XX/XXXX thru XXXX.We received a letter stating that " Unfortunately we are unable to provide you with the information requested as it is no longer available ''. My wife tried to stop automatic payment, but they had already taken out a payment on XX/XX/XXXX of {$100.00}. We now had paid a total of $ XXXXThey received no payment for XX/XX/XXXX, because we stopped payment. They then sent all the original statements we had requested. After reviewing the statements, we realized that we needed to contact help from Legal Sources on how they could charge interest on original loan instead of unpaid balance. We have since sent them {$150.00} to prevent collections. 
I hope that you can help us resolve this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone XXXX E-mail 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 monetary relief
Consumer complaint received 2018-05-23 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: MI

Complaint narrative:
In XX/XX/XXXXI contacted XXXX  to correct an auto loan information with XXXX creditor. They have not corrected the inaccurate info they are reporting. They are also reporting false info about an account with XXXX XXXX opened in XX/XX/XXXX and will not remove it. I have not ever had an account with this company and did not open one with them recently. Equifax is also reporting this inaccurate information. I  want these inaccuracies fixed immediately as they are preventing me from financing purchases and providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The following are hard inquiries made without my consent nor have a I applied for credit with these companies : XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union ( NFCU ) offered to reimburse up to {$500.00} in appraisal fee, pending that I used my NFCU credit card to pay for the cost of the appraisal. I received the request via mail and decided to use the promotional offer. The appraisal fee of {$450.00} was paid on XX/XX/XXXX using my NFCU card, and I closed on the property XX/XX/XXXX. According to NFCU, the money would be returned to me within six weeks of closing, but theyve failed to adhere to their policy. I called to follow up XX/XX/XXXX and was not able to get a definitive answer from XXXX ( MLS # XXXX ) which stated she would notate the account because I complained about calling multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Experian on Numerous occasions about them stealing my money mand not canceling my product. They keep you on hold for hours to make sure you miss the deadline of the 7 Days to cancel your product. I do not have money to throw in the Trash and Experian has had Law Suits filed against them before because of this Deception. I want my {$31.00} that they took from me on XX/XX/2018. 

I have spoken to many Foreigners in a 3rd world country about this matter and I am tired of asking them for money they stole from me. I want my MONEY NOW! 

Thank you,

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 2018-05-23 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: FC HoldCo LLC
State: TX

Complaint narrative:
XX/XX/2017 UNKNOWN INQUIRY

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 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Acceptance Solutions Group, INC
State: TX

Complaint narrative:
I reached out to company but they are no longer the original company i had contract with. I couldnt make payment due to no work for from a XXXX XXXX and had XXXX i was out for 2 months and finally got back on track back to work but the account had be moved or sold to different company. I called that company but i needed some paper work confirming account and amount i will be paying. Never received any information on this new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2017 UNKNOWN INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I applied for and received a Chase Sapphire Preferred credit card. The promotional offer promised a waiver of the {$95.00} annual fee for the first year. On my very first statement, they charged the fee. 

I contacted the company to request the waiver, and included a screen shot of the offer. They replied, " [ We ] apologize, but we show that the offer applied on your account doesn't have a first year annual fee waiver '' without any other explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23 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: CA

Complaint narrative:
I submitted disputes to the credit bureaus about an account that is older than seven years. I clear understand the rules that the statue of limitation begin since the last day of payment or activity, so the account in question is XXXX XXXX knowing that this item is from XX/XX/2010, so I submitted the disputes but the credit bureaus XXXX, XXXX and Experian did not delete the account.

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 2018-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Coastal Credit, LLC
State: HI

Complaint narrative:
I financed a vehicle with Coastal Credit LLC in XX/XX/XXXX, the vehicle was repossessed in XX/XX/XXXX. Coastal Credit LLC reported it on my credit report as an Account written off, with balance of {$8600.00}. However, after they charged it off, they added interest and fees, the balance they are asking me to pay is {$13000.00}. 
I contacted them in several occasions. I contacted them for the first time years ago. Last time I talked to them was last week. They are not willing to set up any type of agreement. They have been rude ever since I gave the car back, I have been threatened with getting my chief of command contacted, which is the President of the United States. I have been willing to work with them but havent received the same treatment on their behalf. They are asking for the full amount of {$13000.00} and they told me they will take me to court if I dont pay the full balance.

Company response to consumer: Closed with explanation