vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: 2288984 Ontario Inc.
State: TN

Complaint narrative:
On XX/XX/2019, I submitted a written email three ( 3 ) business days PRIOR to the date of my next loan payment and revoked authorization for an ACH withdrawal. Within in a few hours of that same day, XX/XX/2019, I recieved a written response from an agent, XXXX, who stated via the email below that they received the response, turned off ACH and that they would not direct anymore withdrawals from my account. On XX/XX/XXXX, the company made an automatic ACH withdrawal without notice. 

Hello XXXX, Thank you for your email. 



We have received your your request and have turned off the ACH Authorization accordingly. We will not direct any automatic payment request to your banking account. 



Please remember that now you will need to call us on your due dates to make the payments with a debit card. 


If you have any questions you can call us at XXXX during the business hours of XXXX XXXX XXXX XXXX and an agent will be able to assist you. 


Best Regards, XXXX. 


MoneyKey Customer Care P : XXXX XXXX XXXX XXXX F : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I opened an account with Suntrust banking the end of XXXX, i deposited funds on XX/XX/XXXX which was a workers check, within the next day my account was frozen and i was told my funds were being put on hold. Few weeks later I received a letter in the mail saying i will receive my check in the mail within 5-7 business days. Within that time frame I did not receive the funds in the mail, so I called back and was given a different time frame of two weeks and was to my funds was pending reclamation from the finacial institution, after that time frame I reached back out to the bank and was then that theres no time frame on when I will receive my check because pending reclamation can take several months, which I didnt understand because it wasn't a personal check it was a workers check, and Ive been told there was nothing I can do about the situation. I tried to get my employer to write another check but i was told Suntrust processed my check and that they couldnt write me another because it looks like im asking for funds that I already have. Within that time my life turned upset down a lot of bills was pushed behind and I lost a few things due to not having any funds for a month. Finally after waiting three months on XX/XX/XXXX, i called back and was told that my account was still -ending reclamation but I was told a different story. I was told that my employer bank has to contact Suntrust so that they can release the funds back to my employer bank so that i can receive my funds because they will not be able to send that check back towards me. So I explained that I was given a different story for three months when this couldve been handled different and she sounded flustered and hung the phone 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 explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is the 2nd complaint that I've filed against this company for the same issue. 

I have promotional balances with expiration dates. # 1 They never apply the payments there. I have to call and ask them to manually move payments, which is not right because they will charge me the full interest on the original purchase amount if it's not paid off by the date. 

For the past two months I have called and asked for allocations of my payments. Each time I was told that my remaining balance for the promotion ending XX/XX/2019 would be {$110.00}. I paid {$110.00}. But, the promotional balance is still showing as {$50.00}. 

When I called today to speak to a supervisor about it, I spoke with XXXX. She advised that twice the customer service agents gave me the wrong amount, but there was nothing they could do about it. 

Care Credit is for medical/dental/veterinarian services and I feel like this company tries real hard to charge people as much interest as possible. It is truly a labor on the part of the consumer to make sure that Care Credit doesn't rip them off.

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 2019-12-09 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: NV

Complaint narrative:
I have contacted the collection agency XXXX XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2019-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American First Finance, Inc.
State: WA

Complaint narrative:
ON XX/XX/2019 I went into the XXXX  XXXX  located at XXXX  XXXX  XXXX   XXXX WA XXXX  and purchased a chair with credit through American First.  The agreement was made only on the condition that they would not take out auto payments.  This was clear and written into the contract.  American First set up auto pay anyway.  They broke this contract.  I am very fearful that this company will do this again, because they already have broke this contract, and therefore I do not want their product at all, they have said too bad they will not take the product back.  I do not want to work with a company who has already broke a legal contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I sent an ACH Revocation to AF247 on XXXX via email ( XXXX ) and via fax, in which I revoked my authorization allowing this company to make debits to and from my bank account. I sent this revocation letter to my bank as well. The reason for the letter is that I currently can not afford to make their interest payments, which is 90 % of my paycheck. I had asked AF247 to freeze or suspend my account so that no further interest would be charged, and I make payments to my principal. They refused, and stated that I could make smaller payments every two weeks, but could not tell me if the payments would be for principal or for interest. On XX/XX/2019, I discovered they processed an ACH payment, which put my account in the negative. They did NOT have authorization to debit my account. I also found out today that another transaction was initiated by AF247, but the bank returned the payment, which lead to another bank charge. Neither the XXXX or the XXXX transaction was authorized. I spent nearly 45 minutes on the phone with AF 247 on XXXX, only to be told that they had to research and would call back that day. They still have not called back. 

I am concerned about their blatant refusal to honor my ACH revocation, and I am also concerned as to why they could not tell me if the bi-weekly payments would be applied to the principal amount or interest. The interest is at a mind-boggling 360 %, and I am not sure if this is ok. I'd like them to be investigated if possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: SC

Complaint narrative:
I financed an HVAC system in the amount of {$6000.00} ( even ) with my local provider who used Aqua Finance. The unit was installed and I signed an acceptance form on XX/XX/2019. My first payment was due XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$6000.00} to totally pay off the loan within 30 days. ON the XX/XX/XXXX billing statement the payment was indicated with new interest charges totaling {$88.00}. I telephoned the company and their rep stated that interest is applied from Day 1, despite the fact that I paid the total amount financed within 30 days. I do not believe their practices are legal. 
I have since paid the balance reluctantly, but I'd like Aqua Finance to reimburse me for the interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: NV

Complaint narrative:
I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2019-12-09 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: NV

Complaint narrative:
I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: NV

Complaint narrative:
I have contacted the collection agency XXXX XXXX XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis has not properly investigated the public record item enclosed. I am requesting it be removed from my report pending a thorough review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
My complaint is for Visa Vanilla gift card. I received a {$25.00} gift card a few months ago, and recently on XX/XX/19 I decided to use it for a XXXX order. My total was {$8.00} so I still had {$16.00} left on it. The following day when I went to use it at a clothing store the gift card declined twice, I didn't think much of it as I thought the machine did not read the card correctly. Later on, I checked the card balance online hoping the card reader at the store had been an error. To my surprise the balance was in fact {$0.00} because after my XXXX purchase a merchant under the name XXXX took out the whole {$16.00}. Concerned, I called the number on the back of the Vanilla gift  card to clear up this situation. A man with a thick accent answered and told me we could file a dispute, he collected my name, phone number, email address, and physical address. Only to tell me I had to email my information to XXXX with all the information I had just provided him. This is all very sketchy, how can a fraudster obtain gift card information so easily? I pulled up that email address above and found many people with similar situations to mine with Vanilla gift card. These are all red flags and something must be happening at that company. I did not email them my information as I was dissatisfied with the level of unprofessionalism with which my concerns were addressed. Who knows what they will do with my information now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: SC

Complaint narrative:
Transunion reporting incorrect dates on file causing a XXXX point reduction in credit score. They are treating old accounts as new delinquencies when they are over XXXX years old. Disputed once previously and was corrected but issue keeps repeating.

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 2019-12-09 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: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2019-12-09 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: NV

Complaint narrative:
I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2019-12-09 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: NV

Complaint narrative:
I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: NV

Complaint narrative:
I have contacted the collection agency XXXX XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2019-12-09 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: TN

Complaint narrative:
When I was enrolled at XXXX XXXX, I was told the the loan would be used for only credits/time used. I was also told that I would only be responsible for the loan after 6 months of attending school ( if I did not complete my degree, OR 6 months after graduation. I was charged for multiple semesters although i did not graduate and I did not attend school for 6 months. Therefore I was over charged on my loans, which has negatively affected my credit scores and ability to get any other loans in the future. I was mislead, cohersed and lied to about these loans. I can not afford to pay them back, which is why I decided to drop the courses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: CA

Complaint narrative:
On XX/XX/2019 I sent a package to Experian notifying them of an issue on my credit report showing 3 ( 30-Day Late ) payments on my current account with XXXX XXXX which is inaccurate. I sent a full package including my bank statements as proof of the inaccuracy. In turn, I was informed by the Bureau that this information I sent was invalid and the lates would remain. I then contacted XXXX XXXX and the Accounting Rep XXXX, told me to contact Experian. I explained to the Rep that I did and was unsuccessful. He stated there was nothing he could do to rectify the issue and the system inputs the late payments.

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