vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a complaint with the CFPB to get validation for the XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2018 the amount of {$1100.00} was paid on my behalf to a XXXX  office. The XXXX have been made twice because the first set did not fit properly the second set is a worst fit than the first. To make a long story short I have no teeth as of today and a set of XXXX  that are of no use to me. I have asked several times for the XXXX  office to refund the money to the credit card agency and they have refused.The credit card agency is siding with the XXXX  on all of the disputes that I have made with them.

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 2018-07-27 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: TX

Complaint narrative:
I filed a complaint with the CFPB to get validation for the XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

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 2018-07-27 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: MO

Complaint narrative:
I have disputed this issues many times before but yet no action has been taken. The credit agencies are still reporting the following on my credit report as verified. However, when one has been victimized it seems as if the victimazation never stops because instead of the credit agencies correcting the wrong doing they continue to let it go. I'm respectfully requesting that the reporting agencies send me physical documentation as promised in the FCRA literature, or block/ delete and/or remove the following accounts from my credit report.. ( 1 ) XXXX - XX/XX/XXXX , ( 2 ) XXXX XXXX XXXX - XX/XX/XXXX, ( 3 )  Americllct - XX/XX/XXXX , ( 4 ) XXXX XXXX XXXX- XX/XX/XXXX , and the following two accounts ( 1. )  XXXX, and 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 2018-07-27 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: MO

Complaint narrative:
I have disputed this issues many times before but yet no action has been taken. The credit agencies are still reporting the following on my credit report as verified. However, when one has been victimized it seems as if the victimazation never stops because instead of the credit agencies correcting the wrong doing they continue to let it go. I'm respectfully requesting that the reporting agencies send me physical documentation as promised in the FCRA literature, or block/ delete and/or remove the following accounts from my credit report.. ( 1 ) XXXX - XX/XX/XXXX , ( 2 ) XXXX XXXX XXXX - XX/XX/XXXX, ( 3 ) XXXX  - XX/XX/XXXX , ( 4 ) XXXX XXXX XXXX- XX/XX/XXXX , and the following two accounts ( 1. )  XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: MO

Complaint narrative:
The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... XXXX ( XX/XX/XXXX ), and XXXX XXXX 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 2018-07-27 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: AmeriCollect
State: MO

Complaint narrative:
The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... Americollect ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: MO

Complaint narrative:
The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... XXXX ( XX/XX/XXXX ), and XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: AZ

Complaint narrative:
I applied for a loan online, the only way to proceed with the loan is to talk to a representative. The interest rate was never disclosed to me over the phone only the amount that will be deducted from my bank account. My loan amount was for {$680.00}, I checked the status of my loan thinking I should have paid this loan off already, only to find out I still have a balance of {$540.00}. I finally saw the details of my loan and was shocked to see an interest rate of 664.58 %. I have paid this company {$2600.00} for a {$680.00} loan. From my experience, payday loans with small amounts never exceed 6 months. I contacted the Arizona attorney general and our state laws on payday loans and found out AZDFI no longer licenses payday lenders as of XX/XX/2010 and the percentage rate above 36 % is illegal as of XX/XX/2010 and Arizona prohibits payday loans. A consumer complaint has been made.

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 2018-07-27 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: MO

Complaint narrative:
My identity has been compromised, and the credit reporting agencies is not making it any better. I'm still dealing with the damage of losing my ID. I would really appreciate if the following inquiries were removed from my credit report. I have no knowledge of these inquires whatsoever. ( 1 ) XXXX XXXX - XX/XX/XXXX, ( 2 ) XXXX XXXX-XX/XX/XXXX, ( 3 ) XXXX- XX/XX/XXXX, ( 4 ) XXXX- XX/XX/XXXX, ( 5 ) XXXX XXXX XXXX -XX/XX/XXXX, and 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 2018-07-27 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: MO

Complaint narrative:
My identity has been compromised, and the credit reporting agencies is not making it any better. I'm still dealing with the damage of losing my ID. I would really appreciate if the following inquiries were removed from my credit report. I have no knowledge of these inquires whatsoever. ( 1 ) XXXX XXXX - XX/XX/XXXX, ( 2 ) XXXX XXXX-XX/XX/XXXX, ( 3 ) XXXX- XX/XX/XXXX, ( 4 ) XXXX- XX/XX/XXXX, ( 5 ) XXXX XXXX XXXX -XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My identity has been compromised, and the credit reporting agencies is not making it any better. I'm still dealing with the damage of losing my ID. I would really appreciate if the following inquiries were removed from my credit report. I have no knowledge of these inquires whatsoever. ( 1 ) XXXX XXXX - XX/XX/XXXX, ( 2 ) XXXX XXXX-XX/XX/XXXX, ( 3 ) XXXX- XX/XX/XXXX, ( 4 ) XXXX- XX/XX/XXXX, ( 5 ) XXXX XXXX XXXX -XX/XX/XXXX, and 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 non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2018 There was a mobile deposit into my bank acct with wells Fargo. My bf was contacted by some random individual who states he was doing loans through the govt and he would be eligible for a loan once he gave bank info to prove his identity so be proceeded to fall for the scam and provided the info. The money was deposited he was instructed to follow through the next morning by pulling the deposited amount of {$1500.00} and to go do a XXXX to XXXX transaction, so he goes to XXXX pulls the money after trying to use the debit card for one transaction In the amount of XXXX ( I believe it was ) and once the card declines after trying to do the second transaction he is instructed to get the cash and get the balance in prepaid gift cards so of course he does so as he is promised a XXXX loan once the transaction is complete. Once I am made aware of the situation I contact the bank tell them to not allow any transactions so the rep closes the acct and proceeds approx a week or two later. Wells Fargo went into a totally different acct which was my childs account and withdrawls {$1500.00} to cover their loss of the funds after they allowed the check to process after I advised against it. The acct that they deposited into and took out of was not in my bf name either

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 2018-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: AZ

Complaint narrative:
I applied for this loan not knowing the interest rate of the loan, was never disclosed to me over the phone. My loan amount was for {$350.00}, so far I paid this company {$900.00} only to still have a balance. The interest rate is at 754.62 % which is over the legal limit allowed from Arizona. I was wondering why I still had a balance, so I had to sign up on the lenders website to look at my balance and was shocked to see the high interest rate. AZDFI no longer licenses payday lenders as of XX/XX/2010 and interest rates over 36 % is illegal as of XX/XX/2010. I have contacted the Arizona attorney general and learned that payday loans were prohibited in Arizona. A consumer complaint has been made.

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 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AP

Complaint narrative:
In XX/XX/XXXX I was XXXX out of the United States. Before leaving I took the proper steps to suspend my account due to military XXXX with XXXX XXXX. I suspended the account on XX/XX/XXXX. On XX/XX/XXXX and once I was no longer in the states, XXXX reopened my account for another individual who moved into my old apartment. The customer service stated they had the right " because they knew my address '' which was an address I no longer lived in due to being XXXX. I feel this is a privacy violation and seems XXXX was very open to giving my account to another individual I do not know, and am concerned on what else they sent and gave them that could have possibly contained private information. Once the situation was brought to the company 's attention I was verbally told the amount would be credited to my account. On XX/XX/XXXX, I returned my router and equipment and had to talk to another individual at the XXXX XXXX, VA store on XXXX XXXX because the problem still was not resolved. She was extremely helpful and wrote down voucher numbers for each credit that was supposed to be on my account. I was charged {$120.00} along with {$93.00} and a large amount of late fees due to myself not knowing or paying the charges because I was no longer in the states. The late fees were dropped, and after the encounter at the store the {$120.00} was dropped and no longer held against me. I found out that once again XXXX had not cleared me of the {$93.00} which was disputed on XX/XX/XXXX for the third time. After which I was told once again the charges would be dropped. I also called each credit bureau to dispute the charges off of my credit. I noticed the charges were dropped off of my XXXX XXXX account as well. I moved to XXXX on military XXXX in XX/XX/XXXX. Now on XX/XX/XXXX I received a letter from a Debt Collector by the name of Southwest Credit stating that I still owe XXXX the {$93.00} that was disputed and closed two years ago. I have called the collector and am once again disputing the charges. While talking to the Debt Collector I was told that XXXX had opened the account with them on XX/XX/XXXX. I tried to upload documents to the website the Collector gave me in the letter but was blocked from doing so. I feel as if XXXX is extremely careless in how they handle accounts. My private information was not protected and my account was allowed to be opened under someone who I do not know and someone who could have possibly used my information in a negative way. I do not owe these charges and it is completely wrong for XXXX to keep harassing me for an amount I do not owe, and was closed two years prior after being repeatedly told that I would be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: TN

Complaint narrative:
XXXX  XXXX XXXX  is not reporting the payments I make each month to XXXX, XXXX, and XXXX. I reached out to then Via email and they said they send the information over to all 3 credit bureaus and theres nothing they can do about it. I have reached out to all 3 credit bureaus and each advised that XXXX  XXXX XXXX simply is not reporting my payments. The only payment they are showing is for XX/XX/XXXX nothing after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have emailed and mailed a copy of my Bankruptcy discharge to Capital One numerous of times in XX/XX/XXXX for the amount of XXXX which was included in my Bankruptcy discharge. Capital One has acknowledged recievment of the document, but its still listed on my account. I would like this information deleted from my credit report as it is not accurate. 

I will be escalating this matter further! 

A creditor is not allowed BY LAW to continue punish you after a legal discharge of the debt. Capital one is in violation of the FCRA by reporting a balance other than XXXX dollars to the credit bureau. This matter needs to be address immediately. This Bankruptcy was filed in XX/XX/XXXX, why am I still dealing with this issue???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I receive frequent calls to my recently established phone ( i.e. it is a new phone number for me ) from TSI/Transworld Systems Inc. ( www.tsico.com ). The calls are an " attempt to collect a debt '' and I have verified that I do not have the debt they are trying to collect, and I have previously requested to have TSI correct their records and remove my phone number ( XXXX ) to stop the unwanted/erroneous robo calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/2018, 18 fraudulent transactions were debited from our PNC checking account totaling almost {$1800.00}. I promptly disputed the transactions, opened a new account as per their advice so that we dont touch or use the account while the bank conducted their investigation. Our account had a positive balance of {$150.00} before the occurrence of the fraudulent transactions. 

I visited the PNC branch on XXXX and XXXX in XXXX to get updates re : this account. Several times I visited with XXXX XXXX, branch service associate, who was helpful in trying to understand what was happening. He had contacted customer service/escalation dept. to get information so I can recoup our {$150.00}. 

I did some phone calls myself and was completely surprised on one of those calls to learn from customer service/ escalation dept that they can not help me anymore because the account was closed and was charged off/sent to collections because of a negative balance of {$570.00}. There were several shockers in this : the account having a negative balance ; the account being sent to collections without any effort to contact us ; and me learning about all these only after calling to follow up on the investigation. 

After several more visits with Mr. XXXX, the bank was proud to be able to reverse/refund some fees/transactions ( that should have happened anyway relating to disputed fraudulent transactions ). They sent us a check in the amount of {$37.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP

Complaint narrative:
On XX/XX/2018, USAA closed all of my banking and investment accounts- no reason was given. They also closed my wifes investment accounts and credit card. We have excellent credit scores and are shocked that this has happened.

We are confused and feel that we have been taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: GA

Complaint narrative:
I disputed an account in XX/XX/XXXX because it listed as filing for bankruptcy for the referenced account in XX/XX/XXXX and provides erroneous information that I included the account in bankruptcy which I did not. It is providing negative information and extending the date beyond my actual filing of bankruptcy which was actually filed in XX/XX/XXXX. Even if I did include the account in my bankruptcy the account would be deleted in XX/XX/XXXX just as my actual bankruptcy would be deleted. All of the details regarding a bankruptcy on the account should be deleted. Then in the processing of that error you updated another similar account stating that it was discharged through a bankruptcy. Both referenced accounts are not included in student loans and are not dischargeable. Both accounts are XXXX  XXXX XXXX  Accounts.

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 2018-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
1, XXXX & XXXX XXXX took out a mortgage with XXXX XXXX  15 years ago ( XX/XX/XXXX ), at a rate of 5.74 % -180 payments of {$2100.00} due on the XXXX of the month beginning XX/XX/XXXX. 
2. XX/XX/XXXX we received a letter informing us of a reduction of rate to 5.24 % Due XX/XX/XXXX. 
at that time we had 176 payment left of {$2000.00} 3. The bank issued a change in due date to the XXXX starting XX/XX/XXXX 4. XXXX was acquired by Bank of America and on XX/XX/XXXX changed the due date to the XXXX of the month. 
XXXX. On XX/XX/XXXX Bank America sold our mortgage to XXXX/AKA XXXX XXXX for XXXX and that figure unbeknownst to us being aprox {$5600.00} higher what we could payoff by our end date of XX/XX/XXXX. Now need to pay nationstar {$5600.00} after our payoff date in XX/XX/XXXX. 
6. The Problem is with Bank America who we have spent months trying to get an answer and they can not provide full documentation to figure this out. They just don't care.

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