vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 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: LA

Complaint narrative:
I had a vehicle financed through XXXX in XX/XX/XXXX. XXXX charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid XXXX {$5200.00} in the total loss settlement and XXXX released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet XXXX is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.

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 2017-08-22 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: LA

Complaint narrative:
I had a vehicle financed through XXXX in XX/XX/XXXX. XXXX charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid XXXX {$5200.00} in the total loss settlement and XXXX released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet XXXX is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I had a vehicle financed through XXXX in XX/XX/XXXX. XXXX charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid XXXX {$5200.00} in the total loss settlement and XXXX released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet XXXX is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.

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 2017-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account # XXXX opened XX/2009 Account is in open account in good standing balance is incorrect and account is not in collection. Account is current and their is no past due balance. Account is being handled by 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 2017-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XXXX XXXX I purchased a washer/drier from Sears using their card managed by CITI {$1400.00} My account cycle closed on XXXX XXXX with a due date of XXXX XXXX with a balance of {$1400.00} and min due of {$27.00} On XXXX XXXX I returned the original washer/drier and was credited {$1400.00} ( the entire balance due on the then current statement. On XXXX XXXX I also purchased a different washer drier on the Sears card for {$1400.00} on XXXX XXXX I received a call from CITI telling me to logon and review my account. I did that and saw that even though my return matching the entire balance of the last statement had been posted a late fee of {$27.00} had been added to my account. I immediately called the CITI number and reviewed what had happened with the representative who immediately credited the bogus late fee. At this point I had not even received the next statement. My account cycle closed XXXX XXXX with a due date of XXXX XXXX Last SUNDAY XXXX XXXX XXXX ) I received two phone calls from the CITI collections department claiming I had an overdue balance. I tried using their email system to get them to admit this was an error and I should not have received these collection calls. Their reply was that return credits mean nothing ( even though they wiped out the entire balance due ) and that the mim payment was still required even though I owed nothing from that bill. I will attach their last reply in the step that allows attachments.

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 2017-08-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. Beginning XXXX XXXX 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file

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 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
I have tried to resolve a " debt '' that is supposedly mines with " National credit system '' I have been sending them letters to verify that I signed and owe them the alleged debt, however they still have not produced any information stating what debt I owe them. Now they have put this debt into collection on my personal credit and it is damaging my credit. I never gave them permission to run, use or verbal persmission to obtain my social security number and ever since they obtained my ssn I been going through a case of identify theft. I have been trying to communicate with this third party group since may timeframe giving them 30 days to resolve the issue. They have had the last 90 days to resolve this issue and since they ca n't comply with my request I am filing a complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: WI

Complaint narrative:
In XXXX XXXX, I took out a {$3500.00} loan with RISE Credit online. I found out about this website from a mailing promotion that I received sometime before XXXX in XXXX. It said the interest rates were low, you could apply right away, and you could receive the money right away. The application and all emails from RISE Credit have been in XXXX, and XXXX is my first language. Payments were going to be about {$560.00} a month. On XXXX XXXX, a payment was made and I was happy to think the loan was paid off, especially because I had recently lost my job. I went online to see what I owed, and I had to create an account to get the information. I found out the balance was still {$3300.00}. I called RISE Credit to see why I still owed so much money. I was told by RISE Credit on the phone that I would pay about {$10000.00} in total for the loan. When you look at the account online, you can only see three payments right away under Account Overview. Also, under Payments, you only see payments due for four more months, so it seems like you only have four more months to pay. This is misleading and confusing. I did not receive any notice when I applied for this loan about what the interest rate would be and that it would be so high. I only found out some of this information when I opened an account online last month. The interest rate is not easy to find online, either. I thought it was 299 % because it has a page for loans in my state, which gives examples of the interest rate. When I had a legal aid lawyer help me look up the loan, she was able to find the Loan Agreement, but it was not easy to find in my account. I did make a payment on XXXX XXXX, but I had to have my bank put a stop on any payments for this loan. If I had seen the interest rate and total payments due, I would not have taken out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On purchasing online through the Costco website there are multiple advertisements touting the benefits and extended warranty when purchasing using the Citi card. There are multiple enticements to apply immediately and no mention of not being able to utilize the card after being immediately approved. When I called in and spoke to XXXX I am told I will have to go to Costco to use my approval. When I asked for a solution to my problem of purchasing and completing the application online and not XXXX 's fictional issue of me being in the store she had none. I demanded she immediately close the account, which she refused. I was not able to use any of the benefits during the checkout process with nothing addressing this in the terms and conditions.

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 2017-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: WV

Complaint narrative:
We purchased a XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX in XXXX, VA on XX/XX/XXXX. The agreed upon price for the vehicle was {$40000.00} plus tax and tag. We told them we were going to finance through our own bank. The sales person said they would be able to give us the same rate if not lower. When we got into finance we were told they were able to buy down our finance rate and actually beat our banks rate by approx. 1/2 a percent lower. He had us sign 2 different contracts with 2 different amounts on them. When we asked why 2 contracts and why they were different he said they needed to show the bank the buy down rate and that the figures were just for the bank. After we signed everything and got home we could n't figure out what all the extra money added onto the loan was for. I contacted the finance person and was told the charges were for extra and extended warranties. We told him we did n't ask for any of these items and none of them were ever discussed or agreed upon to for them to add to our loan. I told him to just void the entire contract and we would finance through our bank as we were going to do at first. He said they could n't do that because the loan was financed and money dispersed the same day we signed the loan. We told him we wanted all the extra charges removed and refunded back towards the loan. I asked where all our paperwork was ref. all the extra and extended warranties and the 2nd contract they had us sign were, because we did n't have any paperwork on any of the stuff he added onto the loan. They said they would XXXX them to me. We received copies for warranties with the finance persons signature on them but not our signatures. Each copy had RE-PRINT FOR CUSTOMER FILE on it. When we asked where our copies with our signature on them was he told us he lost them. They do n't have any copies because we did n't agree to any extra or extended warranties. We were told the 2nd contract had been destroyed. Bottom line is The dealership charged us approx. {$22000.00} in extra charges we did n't agree to. It has been a nightmare trying to get them to rectify this issue. I have called and left messages with everyone from the General manager, district manager, finance manager and sales rep.. They never return phone calls and do n't seem very interested in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have had nothing but problems with usaa. I guess it was because I am friends and family and not linage to the military that usaa wants to treat me like dirt. I have had nothing but issues since someone stole my check book and made so fraudulent purchases. I have been in contact with usaa since and it has been such a terrible process. Then XXXX wanted to cause some problems by wanting to process a payment out of an old checking account listed with them generating two {$29.00} NSF fee 's. I never got communication that those fee 's were on there until I signed on line and seen that every dime I had in my other two accounts had been taken by usaa and suspended pending charges they assessed to be paid. When I spoke to a representative she stated sorry you have to pay the fee 's regardless or your membership will be terminated with usaa. Both my gradfathers served in XXXX and XXXX from the military and this is how I am treated. XXXX XXXX treats veterans families better. I got in to usaa when they opened everything up to friends and family and I feel like it has been discrimination from the beginning and that they treat everyone that does not qualify for full membership differently because of the stupid lineage clause. MY mom hates your company and did n't want anything to do with USAA for a reason and now I see why. So could n't qualify for full membership because she did n't want anything to do with yall. I am not sure how that is fair. But regardless I will file suit over discrimination because I am a XXXX mother and this incident was not my fault and yall have reported it to collections unfairly and It has caused my score decrease and everything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I tried to dispute them back in XXXX 2017 when I first received my credit report and they have failed to provide proof of a contract. I have no contract with them they continue to send an old billing statement as verification but I requested true validation of my alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I 'm getting no where with these people.. they are AWFUL. I have tried NUMEROUS times to qualify for the income base repayment plan.. Every single time they have lost my paperwork, sent me the wrong paperwork, they placed my loans back in default.. they have accused me of being at fault for all of this.. IT IS FEDLOAN! STUDENT LOAN. GOV!! I ca n't even get into either of these accounts anymore! They have screwed up my password!! I am so lost right now i have no idea of what to do.. they want thier money back then they need to fix their XXXX XXXX system! This whole entire situation has been a NIGHTMARE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/XXXX and made a follow up call late XX/XX/XXXX and was told by representative the investigation would be complete by XX/XX/XXXX. I called in XX/XX/XXXXand another representative said it would be complete by the following week in XX/XX/XXXX. I pulled my credit the day the dispute was " suppose to be resolved by '' and the dispute for the account named " XXXX XXXX '' was still in dispute. I received no updated correspondance and after calling the representative had to manually remove the dispute because it was past 30 days. By law this account is to be removed immediately. IN addition to this I have sent multiple letters to have this account verified. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I 've had an unauthorized inquiry on my credit report for months now and Transunion is n't helping me to resolve the issue. I disputed the inquiry with Transunion twice. The first time was on XX/XX/XXXX and the second time, XX/XX/XXXX. I 've also called Transunion in XX/XX/XXXX concerning this prior to disputing in written form. Since I 've made it clear to Transunion that this inquiry was n't authorized by me, and they continue to fail in helping me, I 've reached out to you for assistance in removing 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 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
hello, my name is XXXX XXXX, I have a loan with XXXX, XXXX XXXX who is the lender, and, Select profolio is the servicer. I have reached out to XXXX in the past and I was told they no longer service my loan, however I should reach out to Select portfolio, when I reached out to Select profolio, they told me that XXXX XXXX is the lender. I need to know who the lender is on my loan and how I can reach them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Lexis Nexis asking to verify a bankruptcy that remains on my credit profile. This letter was signed for on XX/XX/XXXX at approximately XXXX. According to FCRA it is my right to have them verify these items and they had failed to do so. Not only have they failed to verify but they have willfully violated the law.

Company response to consumer: Closed with explanation