vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX I have never owned a credit card from them. 

DID NOT AUTHORIZED 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
this debt is not mine I need it to be removed

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 2023-01-03 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: AZ

Complaint narrative:
I divorced XXXX, sent all they requested several times. 6 years later they still will not change my name, I am done battling with them XXXX I discovered I was identity thefted since then I have disputed and sent documents and still have done nothing to correct my credit report. 4 years battling. They have ruined me. And I am homeless because if their incompetence.

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 2023-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: MN

Complaint narrative:
I made payments to my loan in months advance and when ask how many months I've paid up to the customer service representative couldn't assist me. A supervisor never called me back after I requested a call back. This company does not give the customer a monthly statement, they are paperless but that doesn't constitute the electronic statement. Also this company doesn't give a detailed statement of interest rates or payoff amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: MO

Complaint narrative:
Student Loans - XXXX  Dates : 2021 - XXXX XXXX ( 7 occurrences for Balance update ), XX/XX/XXXX ( 7 occurrences for Balance update ) Amount : Action taken : Contacted XXXX  for resolution Fie a dispute with credit bureaus ( XXXX, TransUnion and 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 non-monetary relief
Consumer complaint received 2023-01-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Student Loans - XXXX  Dates : XXXX  - XXXX XXXX ( 7 occurrences for Balance update ), XX/XX/XXXX ( 7 occurrences for Balance update ) Amount : Action taken : Contacted XXXX  for resolution Fie a dispute with credit bureaus ( XXXX, XXXX and Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: SC

Complaint narrative:
whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, {$1100.00} Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX, and Equifax show XX/XX/XXXX High Credit : XXXX is reporting {$1100.00} and XXXX show XXXX, and Equifax show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Date of Last Active : XXXX show XX/XX/XXXX, XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to Metro 2 Guidelines it MUST be delete. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
This has been ongoing issue with comenity Bank XXXX I paid them off in XXXX of XXXX XXXX left was {$2.00} as of XX/XX/XXXX that is left over Balance on this account last XXXX digits XXXX, I keep all my invoices, I contacted XXXX/Comenitybank several times XXXX to several to correct this main issue. I XXXX, t want my credit destroyed Send out by mail copies showing them that this account has been paid in full. 
Spoken to some foreign hardly speaks so well XXXX.I had trouble communicating with them I have copies with me to dispute this matterXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like very much to resolve this issue, Thank you. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
As I was looking over my files, I do not see a contract between myself, XXXX XXXX and the company : Exeter Finance. Can you please produce a contract that you- Exeter Finance and I, XXXX have signed that states you offered me anything and that there were securities and goods exchanged? 

Also, on a contract that I received from XXXX XXXX, it states that a contract was given over to Exeter Finance Corp. Can you elaborate on what is your company 's correct name please?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
Submitted a payment for 2 loans on XX/XX/XXXX. One payment would completely pay off one loan ( {$31000.00} in principle, {$5500.00} in interest ) and a partial payment to another loan of {$42000.00} ( {$11000.00} in principle, {$6900.00} in interest ). 

My payment history lists the amounts paid to both principle and interest. However, their loan detail and payment screen continue show that the interest has not been paid off. The payments were applied to the principle but not the interest. This is also seen on the loan screen of studentaid.gov. 
MOHELA has not been able to offer an explanation for this. I sent an electronic message but was I was instructed to call customer service. I called customer service in XX/XX/XXXX and XXXX but no one could explain my situation. Today, a supervisor told me to wait until the website was updated. This was due to the extreme workload they were receiving, even though the payment was placed 6 weeks prior.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: OR

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: OR

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
On or about XXXX XXXX, I made a payment of {$430.00} to Toyota Financial Service for my auto loan. XXXX  to me, Toyota Financial changed my post date until XX/XX/XXXX without my permission. I received a call from Toyota Financial ALLEGING that I did not make my XX/XX/XXXX payment. I disputed the false allegations and told representative that I already made payment on or about XX/XX/XXXX. I tried calling Toyota Financial on XX/XX/XXXX, XXXX to correct THEIR mistake and I have been WAITING on the phone for over XXXX XXXX MINUTES and counting! I want Toyota Financial to correct THEIR mistake, not to be charged any lates fees, additional cost or accumulated interest because of THEIR error! I have NEVER requested to have my payments post dated and I have enough funds in my account to cover the transaction then and now.!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: GA

Complaint narrative:
XXXX and Equifax is still reporting an account on my credit file my XXXX XXXX XXXX. If XXXX and Equifax review the response from XXXX XXXX XXXX from Consumer Financial protection bureau web portal report number XXXX. Response was submitted by XXXX XXXX XXXX on XX/XX/2022 which states they dont own the account and according to the Fair Credit Report Act if you dont own the account you can not report any accounts the someones credit file. XXXX XXXX XXXX has not right to report this account. This is a serious and fraudulent account that you all are allowing XXXX XXXX XXXX to report. I have attached a copy of their response which states they are trying to collect on the behalf of someone else. Again XXXX XXXX XXXX does not own this account and legally they can not report it. So at this point Equifax and XXXX is liable as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
There is a open account listed by Bridgecrest Acceptance Corporation on my credit report reporting to XXXX, XXXX, and XXXX with different addresses for their contact information on each report. This has made it very difficult for me to contact this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: AZ

Complaint narrative:
I divorced XXXX, sent all they requested several times. 6 years later they still will not change my name, I am done battling with them XXXX I discovered I was identity thefted since then I have disputed and sent documents and still have done nothing to correct my credit report. 4 years battling. They have ruined me. And I am homeless because if their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: AZ

Complaint narrative:
I divorced XXXX, sent all they requested several times. 6 years later they still will not change my name, I am done battling with them XXXX I discovered I was identity thefted since then I have disputed and sent documents and still have done nothing to correct my credit report. 4 years battling. They have ruined me. And I am homeless because if their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I discovered I was identity thefted XXXX, and discovered accounts that are not mine or fraudulent charges. I have disputed accounts several times and I get ignored. It has caused me to be homeless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: MD

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the TransUnion credit bureau was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$360.00}

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 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I have sent out a letter via mail and email to Avant at the following email XXXX and sent a letter that was returned as the following address that they provide is not valid at Avant ATTN : Resolutions Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Hi, On XX/XX/XXXX I received a call from my Victoria Secret credit card company about an open balance. I told the guy on the phone to pay off my full balance and shut down my card. Every month following I got charged late fees that I was not made aware of and yesterday I received a call saying I have an open balance of {$140.00} due to all the late fees. I was only able to waive one of them but bit the bullet and told they guy on the phone to charge me the remaining {$110.00} and cancel my card entirely and to send me an email stating my card is canceled/ shut down. I followed up a few hours later after I saw my payment went through on my banking statement and the lady on the phone told me I still have an active balance of {$140.00} and that there are no notes of the late fee being waived. She then told me to wait 24 hours for changes in the account to be fully processed. I waited and called about 30 hours later ( today ) and spoke to a new guy on the phone saying the late fee was never waived and the account has never been closed. He then tole me he waived the fee and would be sending over a notification on my account that my credit card will be shut down. I never received anything and am afraid this is going to happen again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Sent out a letter to Cease and Desist communication and I continue to get frequent calls that I take as harassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
this is fraudulent debt this is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have had 3 inquiries on my credit that were not me Chase on XX/XX/2022 XXXX XXXX on XX/XX//2022 XXXX  on XX/XX/2022 How can I get these taken off my credit and find out who is trying to steel my indentity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
XXXX is making payments on our behalf to Ameris Bank. To date, they have made 3 payments in the amount of {$1100.00} each time. Ameris should have three payments that should be forward to our new loan servicer which is XXXXXXXX XXXX Even though we have updated XXXX multiple times, they still pay Ameris Bank which no longer holds our account. There should be a refund of three payments which should be transferred to XXXX. I have made multiple attempts with both XXXX and Ameris to rectify this situation and they state payment has not been received. 

Ameris Bank was the service for XXXX and then it was transfered to XXXX thereafter. Ameris Loan # XXXX Current provider is XXXXXXXX XXXX XXXX XXXX. 

Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Yes 2020 I had gotten XXXX XX/XX/XXXX someone got my card I ordered a new XXXX end of XX/XX/2020 and the money was mostly gone my roommate did it I told bank of America they said there refund me then sent a letter eorr they keep sending me letters to open my claim but they send the same thing error so I don't know what to do

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 2023-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AAA Collections
State: GA

Complaint narrative:
AAA COLLECTIONS are extremely rude tells me I have to pay more than I can afford. The first lady I spoke to I asked for a copy of statement and what was owed she said because I live in GA now they can't send me a statement because they don't have attorneys in this state. The second person I spoke with agreed to send me a statement but it won't show what I have paid he said look it up on my bank statements. I told them I could only pay XXXX every two weeks they said that is not enough and I would have to call every 3 months to renegotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one, I block the funds in my debit account, it tells me that they are not available for withdrawal, since XX/XX/2022, 11 months ago, I have called the bank many times and they do not give answers or give deadlines to resolve The problem, and I need the money, is XXXX dollars.

Company response to consumer: Closed with explanation