vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When i try to submit a dispute to equifax o line they will not except it and say i have to call them, they put me on hold, last time 30 minutes, never answered, in the past i have tried several times same problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: CITIBANK, N.A.
State: NM

Complaint narrative:
I had a dispute with a plumber for a rental property in Ga. I overpaid by around {$5600.00} in XX/XX/2019. I contacted Citibank. They told me I would get a credit but then told me my submission was not timely. I then appealed and the bank reopened the file but claim they lost my appeal papers. I have spent 5 hours w the bank trying to resolve the dispute. I am uploading all the detailed letters I sent to Citibank w all of the disputed transactions. 
The bottom line : 1 ) Citibank is not properly handling this dispute ; 2 ) Citi seems to have set in place a dispute mechanism that is cumbersome and does not work : putting aside long holds, the people who deal w consumers can not be heard as they are working overseas and the connections are awful ; 3 )  they send out notices about when a response is due but the letter often arrives AFTER the response date : this happened to me in XX/XX/2019. 
4 ) several times I asked to speak to a supervisor but w no success ; 5 ) legal recourse is impossible because of arbitration provisions and class action waivers : no consumer will hire a lawyer to deal w relatively small disputes and consumers can not join together because of the class action waiver ; Finally Citi seems to have purposely set up a dispute resolution program that is flawed because it serves their financial interest regardless of the cost to the consumer.

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 2019-10-02 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:
Equifax and XXXX are reporting incorrectly a charge-off of {$27000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this auto loan however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. I have retained possession of the vehicle. The payments are current and up-to-date. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I, XXXX XXXX XXXX, was the victim of a scam. I deposited an out-of-state check in the amount of {$2900.00} into my checking account which I am on jointly with my wife, XXXX. The account is with Bank of America. The deposit was made on XX/XX/2019. That check was made available the very next day on XX/XX/2019. On XX/XX/2019 ( some 10 days later ), the check did not clear and our account was overdrawn by this amount. The bank proceeded to take money from our checking and savings accounts to make up for this shortage that was a result of this {$2900.00} check. The check was drawn on an account from an out-of-state bank in XXXX, Florida. We went to Bank of America in XXXX, California at the XXXX XXXX XXXX location that same day and spoke to XXXX XXXX, the Relationship Manager. She contacted the claims department. They told us the same day there was nothing they could do and that conversation was followed up with a written notice on XX/XX/2019 confirming the same information. We, as consumers, could not have known if this account was closed or if it really existed. In addition, we were charged two overdraft fees, one described as a returned item chargeback fee for {$12.00} and the other was an overdraft protection transfer fee in the amount of {$12.00}. These transactions aided in depleting our accounts. 

We feel, as customers of Bank of America, the money should not have been made available so soon without the bank doing any due diligence to verify if the funds of an out-of-state check were available or even if the account existed in the first place. For the bank to have followed up on this transaction some ten days after the deposit, it was irresponsible and the bank was derelict of their fiduciary responsibility to us as customers. It is for this reason all monies that were taken from us as a result of this transaction should be refunded to us. 

This event has made us feel extremely discouraged not to mention the humiliation it presents because the check was part of a scam done to me. I must admit I have had bouts of XXXX because of this. We did not have a lot of money saved when compared to other people, but we worked hard to put away what we had saved. I lost my job not many days before this happened to us so, this entire occurrence has been quite disparaging and in our opinion, hopeless. I only trust that we can receive your fullest consideration in this matter.

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 2019-10-02 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 to to CFPB on XX/XX/XXXX. I received your response but no response or correction from Transunion or XXXX. How do I get them to upgrade my scores?

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 2019-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.

Complaint narrative:
The interest rate was crazily increased to 11 %. I don't have control of the co-signer 's credit score.  Therefore, I want to remove the co-signer. I sent a request to Navient to remove the co-signer but my request was rejected by Navient. Navient stated that I did not make a minimum 12 payments and I did not submit proof of income. See attachments. I counted more than 12 payments and sent a recent " pay stub ''. See attached invoice, I operate my own business overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly a charge-off of {$27000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX  which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this auto loan however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. I have retained possession of the vehicle. The payments are current and up-to-date. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.

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 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stephen Einstein & Associates, P.C.
State: NJ

Complaint narrative:
I recieved a notice in the mail dated XX/XX/2019 stating that an application for WAGE GARNISHMENT is being filed against me by STEPHEN EINSTEIN and ASSOCIATES on behalf of XXXX XXXX XXXX. I have no knowledge of what this is in reference to and I was never given notice to appear in court or that there was a judgement against me.This appears to be very shady and deceptive as the letter is dated XX/XX/2019 and I recieved it well after that date with notice that if I don't reply within 10 days of the date the court will issue a wage execution against me.There is no mention of what it's for, how much it's for, or no relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Car payment are showing 90 past due on for the mouth of XXXX XXXX and XXXX XX/XX/2018 and XXXX XXXX and wasn't late and this hurting my change on get a home and will remove after I sent the payment history

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 2019-10-02 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: VA

Complaint narrative:
Equifax Credit Bureau has continued to display my name incorrectly on my credit file. There is a suffix " XXXX   '' next to my last name that reads as : XXXX XXXX XXXX, XXXX Over the past 4 years, XXXX, XXXX, XXXX, XXXX I've sent in numerous requests with supporting documentation as proof to show Equifax that the " XXXX '' is NOT a part of my name and it's still being displayed as such. It's creating a lot of problems for me when I seek employment and also with the Department of Motor Vehicle and when I file my income taxes. I need some assistance because no corrections have been made to my credit file so I am seeking help from the CFPB. FYI, I have two confirmation numbers that pertains to this issue. The Confirmation # XXXX is with the incorrect name that's being displayed and the Confirmation Number is : XXXX is the one requesting Equifax to once again, remove the " XXXX '' from my name. I really would like for this to be removed because again it's creating a lot issues me when I'm conducting business in my every day life. Thank you for your attention to this ongoing matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Yesterday. arepresentative from XXXX XXXX XXXX contacted me regarding several complaints filed against me. He said that I had two felony counts, one being check fraud. I told him that I would not pay anything without written notice of the debt. He went on to say that this is my only chance to resolve it and if I didnt want to talk to him then they can proceed further. Said that they would contact my employer. I told him that I do not give him permission to contact me or my employer without proof that the debt was owed. I received a voicemail today threatening to contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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:
Equifax and XXXX  are reporting incorrectly a charge-off of {$7400.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX  which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this account however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. This account is up-to-date and should not be reporting any derogatory information on my credit report. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 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 to to CFPB on XX/XX/XXXX. I received your response but no response or correction from XXXX  or Equifax. How do I get them to upgrade my scores?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly a charge-off of {$7400.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this account however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. This account is up-to-date and should not be reporting any derogatory information on my credit report. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.

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 2019-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: MO

Complaint narrative:
I have paid XXXX on this bill directly to XXXX XXXX so far as I have a payment arrangement with them and this collection company is threatening me for XXXX. I have 2 more payments set up for XX/XX/XXXX for XXXX XX/XX/XXXX or later XXXX XXXX XXXX XXXX *XXXX AutoPay {$50.00} XXXX XXXX XXXX XXXX XXXX Scheduled Cfm # XXXX Show payment details for XXXX XXXX XXXX XXXX XXXX AutoPay for {$50.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AutoPay {$50.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX Show payment details for XXXX XXXX XXXX XXXX XXXX for {$50.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX Processed Cfm # XXXX Show payment details for XXXX XXXX  XXXX XXXX XXXX for {$50.00} on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-02 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I AM TRYING TO PAY THIS DEBT. SPOKE TO THE COMPANY NUMEROUS TIMES AND AGREED TO A SET AMOUNT. HOWEVER I TOLD THEM I WAS NOT PAYING UNTIL I RECEIVED WRITTEN CONFIRMATION THAT A ONE TIME PAYMENT THAT WE AGREED UPON WOULD DEEM THIS ACCOUNT PAID IN FULL AS I NEED THIS TO MOVE INTO AN APARTMENT SO TIME IS OF THE ESSENCE. RECEIVED VERBAL COMMUNICATION MULTIPLE TIMES IT WOULD BE SENT AND IT NEVER WAS. I NEED THIS RECTIFIED ASAP. SOON AS WRITTEN CONFIRMATION OF PAYMENT IS RECEIVED I WILL PAY. WE ALSO AGREED UPON A CASHIERS CHECK BEING SENT WITH TRACKING A WRITTEN CONFIRMATION OF PAID DEBT IN FULL 72 HOURS AFTER PAYMENT IS RECEIVED. THEY NEED TO ABIDE BY WHAT THEY COMMITTED TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
I originated a {$63000.00} outbound transfer from my Ally Bank savings account to my XXXX XXXX checking account on XX/XX/XXXX, before the XXXX cutoff. The transfer was delayed -- the funds were not received the next-day ; instead, the funds were credited to my XXXX XXXX  account on Monday, XX/XX/XXXX. Reading Ally Bank 's Transfer FAQs, it says, " we determine eligibility for next day transfers based on account tenure ( I've been a customer for 8 years and opened this particular account 6 years ago ), account activity ( I transfer-in {$1500.00} every month from my XXXX XXXX account ), and transfer activity such as overdrafts and returns ( I have NEVER had an overdraft or return on this account or the three Ally accounts I own ). To combat fraud, we are selective about when we offer next-day transfers. '' There was NO RISK OF FRAUD. Again, I was transferring money BACK to the account I've used for 6 years to fund the Ally Bank savings account. 

I called Ally and asked to be paid interest for the time my money was MIA. Funds were withdrawn on the XXXX, but not credited until the XXXX. Ally refused -- they said there was no error. I believe I was treated unfairly. Ally used my money during the transfer delay -- I lost interest. My transfer should have been next day.

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 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Car payment are showing 90 past due on for the mouth of XXXX XXXX and XXXX XX/XX/2018 and XXXX XXXX and wasn't late and this hurting my change on get a home and will remove after I sent the payment history

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 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Car payment are showing 90 past due on for the mouth of XXXX XXXX and XXXX XX/XX/2018 and XXXX XXXX and wasn't late and this hurting my change on get a home and will remove after I sent the payment history

Company response to consumer: Closed with explanation