vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 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: NY

Complaint narrative:
XXXX XXXX XXXX was reported 30 day late XX/XX/2019 was reported incorrectly.

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 2019-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: IN

Complaint narrative:
In XX/XX/XXXX opened a loan of {$10000.00} w/an interest rate of 12.99 % that originated with XXXX XXXX for a home improvement project. In 1 year and 7months I had paid this loan down with XXXX XXXX to {$9500.00}. That's 19 months at {$130.00} a month a total payment of {$2400.00}. XXXX XXXX  then sold my loan to aqua finance in XX/XX/XXXX. From XX/XX/XXXX I have paid Aqua Finance {$130.00} for 33 months that's a total payment of {$4200.00}. My loan has gone from {$9500.00} to {$8900.00} that is a difference of {$660.00} in almost 3 years. With XXXX XXXX the interest fluctuated from $ XXXX {$100.00}. Aqua Finances interest fluctuates from $ XXXX {$130.00}. Why the big swings in interest? Why am I paying an average of {$210.00} a year towards the principle? At this rate I will never get this loan paid off. It is my belief that this company is improperly billing and manipulating numbers and this needs to be looked into. I sent this to XXXX XXXX, Examiner State of Wisconsin-DFI and Aqua Finance responded but there are discrepancies in their documentation. They claim that due to a revolving credit loan I pay a monthly payment factor of 1.25 % making my payment {$130.00} a month that is inaccurate, that was never agreed to and this was the first time I had ever heard that. They also included months of XXXX XXXX payments to increase their principle payment amount in their letter of response to the examiner. There are reviews of this happening to other customers online I am not the only one complaining about the billing practices of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: FL

Complaint narrative:
On or around XX/XX/2019, I disputed a collection account from XXXX XXXX XXXX , XXXX d/b/a XXXX XXXX XXXX with Equifax to no avail. XXXX XXXX XXXX , XXXX d/b/a XXXX XXXX XXXX has failed to verify that the collection account belongs to me. Additionally, I disputed inquiries that were on my Equifax credit file without a permissible purpose on or around XX/XX/2019 and and Equifax requested that I provide my identification which I did on XX/XX/2019 illustrated by the enclosed correspondence and Return Receipt. Additionally, Equifax has delayed an ongoing dispute concerning the collection account from XXXX XXXX XXXX , XXXX d/b/a XXXX XXXX XXXX with the Consumer Financial Protection Bureau ( Complaint ID No. : XXXX ). Equifax has not addressed these issues which has caused me financial harm and have adversely impacted my interest rates. Although I provided my identification to Equifax evidenced by the enclosed correspondence and Return Receipt, Equifax again requested my identification on XX/XX/2019 illustrated by the enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
Wakefield and Associates are reporting 6 accounts on my credit. I called them on XX/XX/19 at XXXX to verify this debt because I have never heard of XXXX XXXX XXXX . I spoke wit XXXX XXXX Id number XXXX. Upon speaking to her I learned that the amounts being reported on my credit are incorrect. She was unable to verify 3 of the accounts with any information and all 6 have different information than what is being reported on my credit. I requested to speak with a supervisor and was denied. This negatively impacting my credit with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2018 for 30 days late!!! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
XXXX XXXX is attempting to collect in a bill not owed I XXXX XXXX do not have a contract with XXXX XXXX and only time I had XXXX XXXX I had a prepaid account meaning I paid upfront for internet services and if I dont pay I dont have internet This collection been on skin off 2 times and put back on with different companies I dont not have a contract with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IA

Complaint narrative:
This creditor/debt collector has continued to report an unverified alleged account that is damaging my credit history. I have requested several times for this alleged account be verified with a copy of the original contract with my wet ink signature between myself and Helvey & Associates, INC. or the original creditor. I have also requested that this subterfuge be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Today I went to XXXX XXXX to open a checking account. I got denied opening a bank acct by XXXX due to Experian credit reporting company. I feel that this issue been going on for a long time. I had tried to resolve this issues before. I feel that experian is biased and uses unfair practices regarding my credit report. If this issue it's not resolved. I will take legal action against both companies regarding credit reporting and refusal for opening bank. I will sue both companies and I will contact my senator regarding this issue and will be consulting attorneys regarding this issue. I'm XXXX veteran and I can't even open a bank acct. That's ridiculous

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 2019-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2018 - 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2019-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
My original Student Loans from Navient totaled {$5200.00}. I made payments from XX/XX/XXXX to XX/XX/XXXX totaling {$2900.00}. I received a notice of default on XX/XX/XXXX with the amount due totaling {$4800.00}. 
I received tax offset notices from The Dept. of Education on  XX/XX/XXXX ( {$330.00} ) and XX/XX/XXXX ( {$520.00} ). I received a debt collection notice on XX/XX/XXXX for {$6000.00} ( principal bal {$2900.00} ). I disputed the amount owed, but was answered with another debt collection notice on XX/XX/XXXX for {$6100.00}, which did not provide any payment history or other details as to how the payments were applied. I received additional tax offset notices from DOE on XX/XX/XXXX ( {$720.00} ),  and XX/XX/XXXX ( {$53.00} ). The additional {$1600.00} in payments made between XX/XX/XXXX to XX/XX/XXXX via tax offset, bring my total payments made towards this loan to {$4500.00}. 
After being turned down for an FHA loan in XX/XX/XXXX, I contacted the Dept of Education regarding my student loan. Again, I disputed the amount owed. I received a letter on XX/XX/XXXX detailing my payment history from XX/XX/XXXX to XX/XX/XXXX, which did not include payments before the default. What it did show was that {$0.00} of the {$1600.00} collected was applied to the principal balance. I then contacted Navient in an effort to obtain my payment history prior to the default. I received a letter on XX/XX/XXXX stating that a claim was filed and the loans were transferred to the guarantee agency. Their records show the outstanding principal to be XXXX. 
As a result of my inquiries I received a debt collection notice on XX/XX/XXXX for {$7700.00} and the principal balance is still {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: FL

Complaint narrative:
Icalledcustomerservicetocancelmycardduetoanunusualchargeplacedonmyaccount.Theycancelledandreissuedanewcard.Iwassupposedtoreceivethenewcardin7-10businessdays.After12daysIstillhadntreceivedmynewcard(thishappenedtomeinXXXXaswell-Ineverreceivedmyreplacementcardandhadtocallandrequestanotheron).Iwasnotabletoaccessmy{$760.00}directdepositwithoutacard.Icalledforhelpandwastoldthattheywouldissueanewcard.IexplainedwhyIneededaccesstomymoneysoonerthan7-10businessdaysandtherepofferedtosendanewcardovernightandchargemea{$25.00}fee.Isaidthatwasunacceptablesohesaidsomeonefromtheirglobalteamwouldcallmebackthenextday.ThenextdayImissedthecallandcalledbackin5mins.Iwastoldtheyhadtocallmeback.Nooneeverdid.ThenextdayIcalledbackandwastoldthatsomeonefromtheglobalteamwouldcallmebackthatday(itwasaSunday).Nooneevercalled.IcalledlateMondayandwastoldthattheglobalteamisclosedonSunday.Iwasalsohunguponordropped3timesduringthistimeandspent2hoursdealingwithagentswhokeptputtingmeonholdtocheckmyaccountandsupposedlytransfermetoasupervisor.EverytimeIwastoldIwasbeingtransferredtoasupervisormycallended.Iamnowtypingthiscomplaintandthencallingbacktoclosemyaccount.

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 2019-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I rented an apartment from the XXXX XXXX XXXX XXXX in a buy out lease. I moved out early after providing written notice on XX/XX/XXXX. I provided my forwarding address via phone to XXXX on XX/XX/XXXX. I also checked their website for a bill on XX/XX/XXXX and XXXX it was not there. They had 30 days to bill me for move out and it was never provided. I never got a letter in the mail or a phone call. They never billed me in the lawful time frame but they put the debt on my credit. This negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: IN

Complaint narrative:
My husband and I filed bankruptcy in XXXX and accounts included in the bankruptcy are being reported as delinquent causing our payment history to be inaccurate.

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 2019-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
On today Monday XX/XX/XXXX I got a voicemail stating that I was denied credit at this company by the name of One Financial! I applied for the loan on Friday of last week and talked to a lady names XXXX that assured me that an approval was in place! I never heard the word Debt ratio until today when I called and she said I didnt make enough money! First of all I bring home more than they say I bring home and provided my check stub with proof! This company have been sending me notices after notices begging me to apply for a loan that I had been preapproved for! I am so disappointed and hurt I will never recommend anyone to apply for this company! The lady XXXX mislead me and Im not gon na stop reporting this company! This company is very misleading people!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom it may concern, On XX/XX/2019 my entire wallet was stolen, including my credit cards, IDs, and money. Two purchases were made that were fraudulent. These purchases include one to XXXX XXXX for {$48.00} and one to XXXX for {$160.00}. I have contacted the Bank already and have filed a fraud dispute with them and the charges are still pending due to the fact that they were fraudulent. In addition, I was told by XXXX XXXX a charge was made to XXXX XXXX XXXX XXXX for over {$500.00}. This purchase has not appeared on my statement or on my credit report. However, the two purchases for Bank of America have been posted to my credit report, yet are still pending on my credit card statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Stark Collection Agency, Inc.
State: IA

Complaint narrative:
This creditor/debt collector has continued to report an unverified alleged account that is damaging my credit history. I have requested several times for this alleged account be verified with a copy of the original contract with my wet ink signature between myself and The Stark Collection Agency or the original creditor. I have also requested that this subterfuge be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got involved in to a scam i use my chase account transferring money using XXXX to a person whos was supposted give me a job I transferred XXXX dollars but I realized that it was a scam I call chase rigth away to cancelled the transaction I call the fraud department and they told they can do nothing and the transaction was still pending I lost my money chase didnt help me I call the police and  make the report and even The Police say how can chase could do anything about it, this happend on XX/XX/2019 please if someone can help me its a lot of money I been banking with chase for more than 8 year my imail is XXXX. I got in to XXXX XXXX drink scam is sad that people can still money. I got a check for XXXX dollars and I got told to deposit and take XXXX dollars for my first week and I was supposed to transfer XXXX back for my car to be detail sad they lie I lost money and I told all this to chase and no help from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: IN

Complaint narrative:
My husband and I filed bankruptcy in XXXX and accounts included in the bankruptcy are being reported as delinquent causing our payment history to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2019 I entered transunion.com to receive my free annual credit report that is supposed to be provided by the three major credit bureaus. I was told that the report would be free, however upon signing up, I was immediately charged {$27.00} for the service. The link took me to a site for a more premium transunion service, and I entered my account information believing that it was for identify verification purposes ( once again, I clicked on a link which I believed was taking me to a FREE credit report ). I cancelled the account within 5 minutes but transunion has refused to refund me for this fraudulent and misleading activity. The charge is still pending and they said there is nothing they can do because Ive already made use of the service. I literally cancelled this account as soon as I received notification from my credit card company that this charge was pending. This charge needs to be reversed immediately and credit bureaus should not be in the business of SCAMMING patrons/prospective customers!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
In XXXX of 2019 I submitted a payment of over {$4000.00} to Bank of America. Said payment was misapplied and I was told that the problem would be remedied. It was not or at the very least, not in a timely manner. This caused my account with them to have several late payments and fees as the amount I was paying didnt cover the amount they thought I should be paying. I have had several accounts with Bank of America for over 17 years and until this, had a stellar credit rating, This error has resulted in my credit score dropping by almost 100 points in three months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: NY

Complaint narrative:
I did not authorize these inquiries to my credit report Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation