vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-09 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: NY

Complaint narrative:
I had an account with XXXX that was paid and I did notice they report it as unpaid and, that is damaging my credit profile. a payment of {$1300.00} was made on XX/XX/2015 and was posted, see screenshots and PDF of Account Statements from XXXX attached, by acting this way, XXXX is in violation of the FDCPA ( Fair Debt Collection Practice Act0, the FCRA ( Fair Credit Reporting Act ), the Uniform Commercial Code ( UCC ) and the USC ( United States Codes Title 18 sec 8. XXXX did received payment and still report the account as DELINQUENT.

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 2018-04-09 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: NY

Complaint narrative:
I had an account with XXXX that was paid and I did notice they report it as unpaid and, that is damaging my credit profile. a payment of {$1300.00} was made on XX/XX/2015 and was posted, see screenshots and PDF of Account Statements from XXXX attached, by acting this way, XXXX is in violation of the FDCPA ( Fair Debt Collection Practice Act0, the FCRA ( Fair Credit Reporting Act ), the Uniform Commercial Code ( UCC ) and the USC ( United States Codes Title 18 sec 8. XXXX did received payment and still report the account as DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: TX

Complaint narrative:
The credit reporting agency refused to show proof this debt belong to me. Also refused to investigate the account properly according to fcra. The account XXXX XXXX XXXX need to be investigated properly

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 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Our mortgage is through Bank of America. We had a leak in our home that resulted in an insurance claim. Because the amount to fix the damage of our house exceeds 20K, we need Bank of America 's endorsement on the check. After overnighting the check to be processed over a month ago and several calls (XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) we are still stuck in their process.

XXXX should examine Bank of America 's lack of service and accountability in this situation. BOA eagerly takes our business and originates the mortgage loan but does not have the support staff in place to assist their clients when something like this happens. This results in us, their borrower, stuck in limbo without money to start work on repairing our home. It also translates to my family, with three young children, unnecessarily out of our home and in a hotel for an extra amount of time until BOA moves forward issuing a check. 

After not hearing anything, I called on XX/XX/XXXX to see where they were in the process. I was told that our contractor 's XXXX was filled out incorrectly and needed to be resubmitted. When I asked if they would have called me and told me this, they said no. They do not make out going calls. There is no follow through on their end to let the consumer know that the XXXX needs to be resubmitted. I asked to email over the corrected XXXX and they said fax or snail mail are the only ways to submit it. I called back again to ensure that the new one was correct and they still only had the incorrect one. I refaxed the correct XXXX 3 times and after following up repeatedly to make sure they had it, I was told on XX/XX/XXXX to just email it. 

They have confirmed that it is now moving forward at an " escalated '' pace ( at least 48hr to  approve the check still and another 48hrs to print the check before it will be mailed. ) I expect so much more of Bank of America and hope that you can assist in having this process changed as it has been awful for me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09 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:
The credit report agency is reporting inaccurate information on my credit report. They have the collection account contract caller Inc on my credit file This is not my account. This belongs to someone to someone else.

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 2018-04-10 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: CA

Complaint narrative:
I have been disputing items on my credit report that is old debt. that I have no idea of and is not my debt, I would like the credit agency to delete these items. they are being bought and sold by credit collection companies, And hurting my credit status. I have been disputing these items since last year XX/XX/XXXX, XX/XX/XXXX, and present. These credit agencies are unethical and are in full support of the collection agencies.

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 2018-04-10 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:
The credit report agency is reporting inaccurate information on my credit report. They have the collection account contract caller Inc on my credit file This is not my account. This belongs to someone to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 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:
The credit report agency is reporting inaccurate information on my credit report. They have the collection account contract caller Inc on my credit file This is not my account. This belongs to someone to someone else.

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 2018-04-10 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:
This credit reporting agency is reporting inaccuracies information on my credit file. The credit reporting agency is reporting the collection account XXXX XXXX XXXX as being my account which is 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 explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX attempted to reach out to me about a debt that was owed to XXXX XXXX XXXXt. However, to my knowledge I had no outstanding debts the creditor.

When I called XXXX XXXX to see why I was being charged for excessive amount of late fees XXXX XXXX   stated that the debt is now owed to XXXX XXXX  and that I will have to contact them regarding this debt. I was never properly served with the adequate amount of paperwork. When I reported to XXXX XXXX that my credit card was lost and needed a replacement. I have not received my credit card replacement till this day. I went monthly to transact payment and check on my account incase my credit was being used fraudulently.

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 2018-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wakpamni Lake Community Corporation
State: CA

Complaint narrative:
The company has mailed a letter to my employer for wage garnishment, without offering lower payment plans. Via the mail or email. Or even lower payments

Company response to consumer: Untimely response
Consumer complaint received 2018-04-10 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: CA

Complaint narrative:
I have been disputing items on my credit report that is old debt. that I have no idea of and is not my debt, I would like the credit agency to delete these items. they are being bought and sold by credit collection companies, And hurting my credit status. I have been disputing these items since last year XX/XX/XXXX, XX/XX/XXXX, and present. These credit agencies are unethical and are in full support of the collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing items on my credit report that is old debt. that I have no idea of and is not my debt, I would like the credit agency to delete these items. they are being bought and sold by credit collection companies, And hurting my credit status. I have been disputing these items since last year XX/XX/XXXX, XX/XX/XXXX, and present. These credit agencies are unethical and are in full support of the collection agencies.

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 2018-04-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
Mechanical issues with this vehicle started at XXXX miles ( XXXX ). I reported the issue to the NJ XXXX, GM and GM Financial who financed the lease. I have repeatedly returned the vehicle for service to the dealer to address the issue, which appears to be electrical or computer related. The issues experienced could jeopardize my safety, since the car stalls at random, which could place me in a very dangerous situation on a highway or at a busy intersection. The lease agreement is for 48 months commencing on XX/XX/XXXX, and I have repeatedly requested GM to either replace or release me from the existing lease obligation, which they refuse to do. The end date is XX/XX/XXXX. I have all receipts in date order and can provide all information required to support my case. The most recent incident with the car occurred on XX/XX/XXXX, where the car stalled yet again while out on errands. The car currently has 46,000 miles, of which approximately 1,000 miles have been placed on the car by the dealer to assist with issue identification. XXXX XXXX has the vehicle and I have been working with one of the service managers to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery associates has contacted me stating that they purchased this account ( XXXX ) on XX/XX/2018 from XXXX XXXX. I did not authorize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: OH

Complaint narrative:
The company cedar financial is representing a foreign bank called XXXX XXXX XXXX. I had a financial relationship with XXXX XXXX XXXX and they issued me a credit card. After I defaulted XXXX XXXX XXXX have sent me several threatening emails including legal and imprisonment afterwards handed the credit to cedar as debth collector. Cedar has followed the path of XXXX XXXX XXXX by refusing to accept my dispute of the said debth and forcefully posting to my credit records without any acceptance or court ruling on the debth

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Complaint : Charged {$10.00} Finance fee for making a principal Payment Account : XXXX Bank of America I mailed a {$300.00} check for to B of A for a principal only payment. On XX/XX/XXXX this payment was posted in three parts. A principal payment of {$250.00} ; a payment of {$50.00} of which {$40.00} was applied to principal and {$10.00} was a finance charge. The instruction stated principal only payment. My previous payment of {$440.00} posted on XX/XX/XXXX was the regular payment of P & I. 

* XX/XX/XXXX contacted B of A by online bank secure message outlining the problem * XX/XX/XXXX received response to call them * XX/XX/XXXX responded that the problem was easy to fix, if they need to call they could call me * XX/XX/XXXX a  representative ( or stated so ) called me, identified himself as BofA, started to ask personal identifying information ( which I refused to answer as they called me ) and stated they could not help me if I did not provided personal information. I refused and told them they should just credit back the finance fee. They hung up.

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 2018-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: PA

Complaint narrative:
My student loan payments had been around {$340.00} a month for several years and without notice in XX/XX/2018, the payment went up to {$720.00} a month. 
I called AES to ask my options and see why the increase occurred. They explained that I was paying interest only. I asked what options there were to lower my payment as I was unprepared to make that payment. They said that I had no more options available. They suggested that I try to consolidate. By the time I found a bank to consolidate with, I was so far behind in payments that I could not consolidate and I was receiving threatening letters and phone calls that would ruin my credit, garnish my wages and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I contacted USAA five months ago regarding fraudulent activity/ identity theft on my credit report from their Organization. After submitting the claim 4 separate times ( since XX/XX/XXXX ) with backup documents including a police report they have closed each request/claim stating no fraud found. During the course of my submissions I continuously have to call back to obtain status updates - they only contact me for collections ( 2-4 times a day ). Ive been put on hold more then 10-15 minutes, transferred numerous times and been disconnected every single time Ive tried to obtain status on the claim ( 17+ times ) since XX/XX/XXXX. In XX/XX/XXXX alone Ive called and/or submitted to USAA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with Police Reports, account breakdown and the Federal Trade Commission backup. Ive spoken to the Executive Fraud Department ( ERT ), Identity Theft Dept, Fraud Dept, Consumer Lending and the Credit Card Fraud departments. None of the information seems to be visible to other departments nor do they know how to address the fraud issues to provide specific feedback.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/2018 I made an online payment of {$170.00} to Citi using my checking account. After making the payment I was told by Citibank customer service that my funds were available immediately for cash advance or purchase. However, when I attempted to get a cash advance, it was declined. I spent the next 3 days arguing with Citibank about the misinformation they had given me. I was travelling and needed the funds for an emergency. I informed Citibank that since they had erroneously told me that I could get cash that I would have to take the cash from my checking account. This would make my payment to Citi return. I asked them to cancel transaction, but they claimed they could not. I spoke to someone named XXXX in the escalated customer service office and she was completely unhelpful. She lied and stated that she would listen to phone calls between myself and Citi representatives. If she had done so, she would have heard the misinformation given. Citibank does not want to take responsibility for creating this returned item. Instead they want to collect a {$25.00} returned item fee. I'm sure this is happening to other customers and they need to be investigated and fined. Just another way for greedy corporations to cheat people out of money. People like XXXX and XXXX from corporate escalations are part of the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A bankruptcy was listed on my report and I requested for it to be removed on XX/XX/XXXX. I mailed my letter advising that Equifax failed to disclosed the source in which provides them with public record information and that they violated FCRA. The public record and XXXX XXXX was removed between XX/XX/XXXX. I received alerts advising that these were removed. On XX/XX/XXXX, I pulled my report and it has reappeared along with XXXX XXXX that was also removed. I am in the process of purchasing a home, and Equifax is holding me back. 

I spoke with a rep on XX/XX/XXXX, and she went through all the confirmations from XXXX to XX/XX/XXXX but was unable to find the dispute results that showed that these items were deleted. If I submitted my letter in XX/XX/XXXX, why not view XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: KS

Complaint narrative:
I sent paperwork to Equifax showing fraud on an account-I fax it in to the fraud department. The packet included a FTC Fraud Affidavit and letters that were provided to me by the FTC to have the account blocked. I called and verified that Equifax received the paperwork and they stated that they are not going to block this account. but put it in for a dispute. They stated that I have to filed a police report to get it blocked. I told them that I was informed by FTC that I was not required to have a police report file and not to file a police report until I know the amount of fraudulently charged. but they stated that is the only way to they will do it. Until they get that, they will treat it as a disputed account not a fraud account, and allowing it to keep report to the credit buear as an negative/ fraudulently account. Marking the account showing in dispute-Which with that, I can do any type of banking for my business. 
The rep stating, because I opened the account, it was not fraud. I did open the account but I have charges on the account that are fraudulently and the lender refuse to provide me any paperwork regarding these charges. I have filed all of the paperwork required. I have even filed a complaint with the CFPB regarding the company that is reporting on my credit report. 

What is the point of doing all the steps necessary for blocking a fraud account on the credit, if the credit reporting companies are not going to follow it. I was told about the fraud paperwork from XXXX and XXXX XXXX-Equifax stated all I could do is file a dispute and wait 30 days. Why is equifax not following any of the fair credit reporting rules?

Company response to consumer: Closed with explanation