vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like my fraud alerts 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 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like my fraud alerts 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 non-monetary relief
Consumer complaint received 2019-08-16 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: WY

Complaint narrative:
XXXX XXXXSs#XXXXXXXX XXXX XXXX XXXX Wyoming To whom it may concern: I have recently obtained a copy of my credit file with your company, (XXXX XXXX XXXX XXXX XXXX Account Ending In XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX) and I note that there is negative information being reported by Equifax in the file that you maintain under my Social Security Number. Upon reviewing my credit report, I see an entry listing account charged off. I challenge the accuracy, compliance, and report ability of this listing. Please validate this information with (XXXX XXXX XXXX XXXX XXXX   Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611(a)(1)(A), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to e-Oscar or any other means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking $XXXX  per violation for 1) defamation, 2) negligent enablement of Identity Fraud, and 3) violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Renew Financial Holdings Inc
State: CA

Complaint narrative:
XX/XX/XXXX we signed an agreement for XXXX XXXX with XXXX XXXX c/o RENEW FINANCIAL Group LLC for solar panels with XXXX XXXX. There are two separate parcels in XXXX County ( XXXX & XXXX ). XXXX was sold to XXXX XXXX XXXX ( an intermediary I think ) then was eventually acquired by XXXX XXXX XXXX. Renew Financial dropped the financing because they could not contact " XXXX XXXX XXXX ''. I spent hours talking with Renew Financial about XXXX XXXX XXXX but they could not find it and I thought I gave them information. Actually I it was all straightened out in XX/XX/XXXX. In XX/XX/XXXX, I was called by XXXX XXXX XXXX who said we need to get new financing on both projects. I was told Renew Financial could not finance any " completed '' projects. These projects were completed XX/XX/XXXX. XXXX has had the one at XXXX up and running since XX/XX/XXXX. Their true-up was XX/XX/XXXX. XXXX had the one at XXXX turned on XX/XX/XXXX. XX/XX/XXXX was our true-up. Now we have no financing because it is completed. I think Renew Financial should been able to talk to the new owners without my help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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:
Investigation did not fix error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XX/XX/XXXX car was repoed from santander. Went on ssdi from injury from work. Santader was informed. But wouldn't change day of my ssdi. Said would not change the date but i paid for a year and a half. Out of my ssdi they. Took the late payments. I paid over XXXX XXXX.  Car was repoed . Santader says i still over XXXX. Because late payments.  Wouldn't work with me due to my injury. Very bad company. Getting threatened calls taking me to court to get remaing balance. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
XXXX XXXXSs#XXXXXXXX XXXX XXXX XXXX  Wyoming To whom it may concern: I have recently obtained a copy of my credit file with your company, (Victoria’s Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX) and I note that there is negative information being reported.Please validate this information with (Victoria’s Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611(a)(1)(A), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to XXXX or any other means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking $XXXX per violation for 1) defamation, 2) negligent enablement of Identity Fraud, and 3) violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of predatory lending with School XXXX XXXX was sent a letter by XXXX XXXX XXXX informing me that I’m no longer responsible for loans and I have a zero balance. But company refuses to honor the discharge. And I was sent a letter that my dispute was denied by company XXXX. Student Loans Amounts in Total is XXXX   dollars. XX/XX/XXXX loan amount XX/XX/XXXXXXXX. , XX/XX/XXXX XX/XX/XXXXXXXX,  XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXXXX. This has been an on going problem for 10 years. And I would like to be able to get my life back. I’ve reported to all bureaus and was denied of my disputes.

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 2019-08-16 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: TN

Complaint narrative:
I have contacted the bureau form reporting fraudulent information that stemmed from identity theft.

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 2019-08-16 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX, balance XXXX XXXX balance should be XXXX paid this account off, XXXX XXXX XXXX XXXX balance XXXX this  balance was charged off in 2014, XXXX XXXX  XXXX should be a XXXX   balance paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX  While checking my most recent credit report, I noticed credit inquiries that I did not authorize, 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX   6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b(c) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please  investigate per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One ran promotions to give $XXXX bonus for opening new Money Market Account and fund it for 90 days with a balance of $XXXX.I responded; opened an account - received an email confirming on the promotion code having been applied to the new account.5 months on - now the bonus was not credited - upon inquiring Capital One Bank representative is informing me that I was not eligible for the offer. My questions to the bank:- as per promotion the bank is expected to comply with the bonus offer that was advertised with promo code 'EARN500' - - your email upon opening the account, while acknowledging the promotion code, did not specify any restriction or indication that the bonus would not be applied.- there has never been any communication from the bank about the promotion code not being applicable, therefore I have been led to believe the promotion will be honored.attached is the email sent by Capital One bank upon opening the account and the chat transcript.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A lease from XX/XX/2016 is still showing open and delinquent. It was paid in full and closed never delinquent for the entirety of the lease. I sent a dispute and Emailed Experian and they have done nothing about it.

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 2019-08-16 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:
This account does not belong to me and i've been disputing it for several months now.

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 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a phone message from XXXX XXXX xXXXX of PNC, she left a number and I called her back.  She was out of the office, so I spoke with another gentlemen who told me  that I never paid my home equity loan for XX/XX/XXXX.  I said that I sent a check (#XXXX) on XX/XX/XXXX and then checked my account online.  My account showed that the check had been cleared and deducted from my account on XX/XX/XXXX.  He put me on hold and then came back and said that it appeared that someone had credited a different account.  I asked if this was a person or an automated process.  He said he believed it was a processing error.At this point, he transferred me to XXXX in loan servicing.  XXXX said it would take a few weeks to credit my account for the amount that had been deducted.  He read some legalese jargon that I asked him to repeat several times because it made little sense to me, the way it was worded.  XXXX seemed to lose patience with me after I asked him to read it to me a third time, much slower than the previous blurted sentences.  I agreed that my information was correct but not with the wording of that disclaimer.  I wrote a check (#XXXX) for my home equity line of credit from a PNC checking account and mailed it with the payment stub provided.  I wrote the account number on the check.   PNC cashed it and then misappropriated the funds to another account, not my own.  XXXX instructed me to pay my home equity loan with another check to avoid furhter complications.  I quickly drove to the local Holmdel branch of PNC and was able to secure a place in the drive thru before they closed at XXXX on Friday, XX/XX/XXXX.  I paid for the second time in XX/XX/XXXX, through the bank teller at XXXX.  On XX/XX/XXXX, I received a letter from ACH Dispute Services stating that “...we have determined no error occurred...” but my account would be credited for the amount deducted.  I checked my  PNC account and it was credited for the amount of $XXXX.  The letter stated that I could call to receive further documentation of this determination.  I called and waited online for an hour before being told that there was no further documentation because there was no error, for the money that was erroneously deducted from my account.  XXXX was very helpful and I told her that I was concerned that this would happen again, simply because your bank claims that there was no error and is therefore likely to occur again (and it did.)On XX/XX/XXXX, I paid my Home Equity loan in the amount of $XXXX.  On XX/XX/XXXX after checking my account online, I noticed that the balance was off by $XXXX.  Looking at my statement I saw that on  XX/XX/XXXX, PNC again deposited the XX/XX/XXXX check (#XX/XX/XXXX) and deducted that $XXXX from my account, IN ERROR (despite their claims to the contrary).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: GA

Complaint narrative:
Transunion is reporting a fraudulent XXXX XXXX XXXX account on my credit file that was opened on XX/XX/XXXX.Transunion and XXXX  is reporting a fraud account from XXXX XXXX  that was opened on XX/XX/XXXXTransunion is incorrectly reporting that my name is XXXX, XXXX, XXXXTransunion is incorrectly reporting addresses of XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX  and XXXX  is reporting a XXXX/XXXX  account on my credit file that don't belong to meAll 3 Credit Agencies are incorrectly reporting that I was late from XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX  Account, please remove these inaccurate lates.All 3 Credit Agencies are incorrectly reporting that I was late from XX/XX/XXXX to XX/XX/XXXXon my XXXX XXXX  Account, please remove these inaccurate lates.XXXX  is reporting incorrect address:Incorrect Address: XXXX XXXX XXXXXXXX  is reporting incorrect addresses:Incorrect Addresses: XXXX XXXX XXXX  and 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
Consumer complaint received 2019-08-16 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:
Investigation did not fix error

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 2019-08-16 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: NJ

Complaint narrative:
I paid off a loan call XXXX instead of my score going up, TransUnion brought it down 9 points. Please help me with this. When I spoke to them they didn't care about fixing it. They asked me to talk to 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 2019-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Aqua Finance, Inc.
State: WA

Complaint narrative:
purchased a boat, used XXXX XXXX to apply, ot the loan approved, i doc signed all the contracts and dmv papers, aqua finance and XXXX XXXX XXXX said they wired the money to XXXX XXXX bank account and they were to wire transfer to XXXX XXXX for my boat, it never got wired, been over a month and my first payment is due tomorrow. i don't have a boat, i have an open loan for XXXX on my credit report, XXXX XXXX XXXX have given nothing but empty promises from XXXX XXXX in Texas and Aqua has stopped communicating with me, won't return emails or calls. Please help me XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corporations have reported 3 of the same debts to my credit report . The company is XXXX XXXX XXXX XXXX . On my credit report it shows 3 of the same amount bills which is the same exact bill multiple times . On XX/XX/2019 they reported twice for $XXXX  . And also again on XX/XX/2019 . They also did it again for another debt of $XXXX. Also both of these were on XX/XX/2019 . I think they have reported he same debt multiple times and it is lowering my credit score .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi CFPB, I opened checking and savings accounts with CitiBank in XX/XX/2019 with the premise of receiving a { {$400.00} } bonus if I maintain { {$15000.00} } for 60 days, and an additional { {$100.00} } if I receive a direct deposit during those 60 days. I have completed both tasks in the specified amount of time but have yet to receive my combined { {$500.00} } bonus, despite reaching out to CitiBank who let me know that this would be deposited " soon ''. This has been the promise during multiple calls. No other stipulations were described in the terms and conditions of the offer and I followed the directions of the offer and completed the required tasks as mentioned above. I am not pleased with the bank offering this promotion but not honoring the terms of the promotion, could you please look into this and assist? Thank you very much for your time.

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 2019-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
This is some fake shell company collecting debts that dont exist. They have no website or real office. Says they are out of XXXX, with no staff, but from Pennsylvania? I havent been to the hospital or anything medical related so how would I owe this amount, especially to a place that doesnt exist. 

If you XXXX this company, the ONLY result is people complaining about this bogus charge like I am now. Then I filed a complaint with XXXX explaining this and they came back in RECORD time and said it was accurate? Nope. Big XXXX no.

Company response to consumer: Closed with explanation