vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 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: LA

Complaint narrative:
All my student loans are discharged ( forgiven ) by the Dept of Education as Im a XXXX  veteran ; however, no one will listen to me or honor the discharge confirmation official letter I received from the governments XXXX  servicer, XXXX, stating the same. 

None of the CR agencies are honoring it and theyre all telling me that my disputes are unfounded and the student loan statuses will remain the same as before. 

This is a broken system!

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 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
This bill can not be placed into collections. You are attempting to collect a debt that is not owed. I am a veteran and received outside care outside the VA hospital. 100 % of the cost incurred was to be paid for. XXXX XXXX  has paperwork from the VA that reflects this and they have spoke with a claims representative who confirmed that my cost would be paid for and that they never submitted a bill. XXXX XXXX needs to follow the VA process in order to get paid. This is not my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: LA

Complaint narrative:
I REVIEWED MY MOST RECENT CREDIT REPORTS AND THERE SHOWING INCORRECT INFORMATION. I HAVE WRITTEN AND SPOKING WITH THE CREDITORS REGARDING THIS ISSUE WITH NO RESULTS. THE FOLLOWING INFORMATION IS INCORRECT XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following inquires XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My identity was stolen some opened a business credit card on my name from Bank of America. 
Enclosed is a copy of my ftc identity theft 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 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
All my student loans are discharged ( forgiven ) by the Dept of Education as Im a XXXX   veteran ; however, no one will listen to me or honor the discharge confirmation official letter I received from the governments XXXX servicer, XXXX, stating the same. 

None of the CR agencies are honoring it and theyre all telling me that my disputes are unfounded and the student loan statuses will remain the same as before. 

This is a broken system!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: LA

Complaint narrative:
All my student loans are discharged ( forgiven ) by the Dept of Education as Im a XXXX   veteran ; however, no one will listen to me or honor the discharge confirmation official letter I received from the governments XXXX  servicer, XXXX, stating the same. 

None of the CR agencies are honoring it and theyre all telling me that my disputes are unfounded and the student loan statuses will remain the same as before. 

This is a broken system!

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 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My identity was stolen some opened a business credit card on my name from XXXX XXXX XXXX. 
Enclosed is a copy of my ftc identity theft 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 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My identity was stolen some opened a business credit card on my name from XXXX XXXX XXXX. 
Enclosed is a copy of my ftc identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My identity was stolen some opened a business credit card on my name from XXXX XXXX XXXX. 
Enclosed is a copy of my ftc identity theft 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 2019-11-07 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.

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 2019-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
Quicken Mortgage The mortgage banker refuses to process a mortgage application. My credit scores are good. I have 30 % equity in the home. 

XXXX XXXX with Quicken Mortgage will not run the application. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: TX

Complaint narrative:
I have been contacting Transunion regarding misinformation reporting on my credit report since XX/XX/2019. I have asked for Transunion to provide me with " hard evidence '' that goes all the way back to the original creditor, not verification from a third-party database of the information reporting on my account. Instead of providing requested proof, yet " another '' collection agency was added to my report and no proof has been provided for this one either.

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 2019-11-07 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.

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 2019-11-07 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: FL

Complaint narrative:
I have disputed accounts several times with Transunion ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ) due to the accuracy and fairness of how the below mentioned companies continue to report these accounts to the credit bureau inaccurately. Transunion continue to respond to my disputes as the accounts were either verified as accurate or have been updated, however, they are still reporting inaccurately. Such as : XXXX XXXX - failed to send a deficiency letter to support their claim and balance they continue to report. Furthermore, they are reporting that this account has either charged off or is in collections, but they still continue to report a monthly payment and the high balance is inaccurate. They are in direct violation of the FDCPA and FCRA. I have requested this account be deleted permanently from my credit file as this is having an adverse effect on my credit score, furthermore, they are violating my consumer rights. 

XXXX - is reporting several accounts on my credit report, however, they continue to re-age this account monthly, which is a direct violation of the FDCPA and FCRA. 

XXXX - continues to re-age this account on my credit report and have failed to provide proof of the balance they are claiming I owe, in addition to this account reporting that it has been sent to collections or has charged-off. The high balance is also 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 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
IN 2017, IOPENED 5XXXX BASED COMPANIES, DUELY REGISTERED WITH THE CALIFORNIA BUSINESS REGULATING AGENCY AND IPROCEEDED TO BANK OF AMERICA TO OPEN 5 BUSINESS ACCOUNTS IN THE NAME OF THE 5DIFFERENT COMPANIES FAITHFULLY FOLLOWING THEIR LEGAL REQUIREMENTS.BUT TO MY SURPRISE AFTER A FEW DAYS OF OPENING THE 5 DIFFERENT BANK ACCOUNTS, THE BANK OF AMERICA CLOSED THE 5BANK ACCOUNTS WITHOUT GIVING ME ANY VIABLE REASON AND EVEN WENT AHEAD TO PLACE AN INDEFINITE LIFE BAN ON ME EVER OPENING AN ACCOUNT IN BANK OF AMERICA.AS A XXXX   OF THE XXXX WITH A CLEAN HISTORY AND INTEGRITY, ICONSIDER THIS ACT OF BANK OF AMERICA BARBARIC, UNJUST, SADISTIC AND EXTREME MISCARRIAGE OF JUDGEMENT AND WANT TO ASK THE CONSUMER FINANCIAL PROTECTION BOARD TO USE ITS GOOD FULCRUM TO PREVAIL ON BANK OF AMERICA TO REVERSE ITS EXTREMELY CRUEL AND SADISTIC INHUMAN DECISION ON BARRING ME FROM OPENING AN ACCOUNT WITH BANK OF AMERICA WITHOUT ANY REASON.THANK YOU.

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 2019-11-07 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: MI

Complaint narrative:
This complaint is against Experian.com which is one of the big three credit bureaus. I purchase Experian membership which is {$24.00} a month which shows you everything on all three credit bureaus. I seen my student loans accounts closed on my Experian account for all three credit bureas closed instead of open. They don't suppose to be closed and there reporting positively. I contacted XXXX  and XXXX both told me the accounts are open and seen them for myself even the one on Experian was closed that suppose to be open as well. I turnaround called the two student loan companies which is XXXX, XXXX both told me the loans are still open in great condition and nothing has changed. Experian told me it could be a error in the membership but its been weeks and ever got back to me after I sent them over the documents and nothing never got fixed.

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 2019-11-07 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-07 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: BRite Financial Services, Inc.
State: FL

Complaint narrative:
I have disputed accounts several times with XXXX  ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ) due to the accuracy and fairness of how the below mentioned companies continue to report these accounts to the credit bureau inaccurately. XXXX continue to respond to my disputes as the accounts were either verified as accurate or have been updated, however, they are still reporting inaccurately. Such as : BRITE FINANCIAL - failed to send a deficiency letter to support their claim and balance they continue to report. Furthermore, they are reporting that this account has either charged off or is in collections, but they still continue to report a monthly payment and the high balance is inaccurate. They are in direct violation of the FDCPA and FCRA. I have requested this account be deleted permanently from my credit file as this is having an adverse effect on my credit score, furthermore, they are violating my consumer rights. 

XXXX - is reporting several accounts on my credit report, however, they continue to re-age this account monthly, which is a direct violation of the FDCPA and FCRA. 

XXXX - continues to re-age this account on my credit report and have failed to provide proof of the balance they are claiming I owe, in addition to this account reporting that it has been sent to collections or has charged-off. The high balance is also inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: FL

Complaint narrative:
I have disputed accounts several times with XXXX ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ) due to the accuracy and fairness of how the below mentioned companies continue to report these accounts to the credit bureau inaccurately. XXXX continue to respond to my disputes as the accounts were either verified as accurate or have been updated, however, they are still reporting inaccurately. Such as : XXXX XXXX - failed to send a deficiency letter to support their claim and balance they continue to report. Furthermore, they are reporting that this account has either charged off or is in collections, but they still continue to report a monthly payment and the high balance is inaccurate. They are in direct violation of the FDCPA and FCRA. I have requested this account be deleted permanently from my credit file as this is having an adverse effect on my credit score, furthermore, they are violating my consumer rights. 

XXXX - is reporting several accounts on my credit report, however, they continue to re-age this account monthly, which is a direct violation of the FDCPA and FCRA. 

XXXX - continues to re-age this account on my credit report and have failed to provide proof of the balance they are claiming I owe, in addition to this account reporting that it has been sent to collections or has charged-off. The high balance is also inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Americans express are not processing my credit card dispute and have overcharge my credit card. 

They are sharing with me that the balance is not due but is reporting an inaccurate information with the credit bureau regarding my balance due that is under dispute. And hasn't provided any disputes resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Card Type : Citi / XXXX XXXX XXXX XXXX  Mastercard Issue : Not refund membership fee {$450.00} Abstract : I contracted this card as it provided access to XXXX XXXX Clubs  in the XXXX. I could have been flying any airlines ( not XXXX - XXXX XXXX ) and still be able to access the clubs as a cardholder member. 

On XX/XX/1919, when accessing the club I was asked for my flight ticket to be granted access. I was also informed the changes took place on XX/XX/1919. 

On XX/XX/1919 I called Citi to close my account and was then informed they would not refund my {$450.00} USD as the membership was charged on XX/XX/1919 and it has been more than 60 days ( 63 days to be exact ). 

The only reason I wanted to close the account is due to the fact there was a substantial change in the terms and conditions to access the clubs and no information had been provided in advance.

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 2019-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I am requesting a letter of explanation for the car loan I received in XX/XX/2012 in which I still have a balance of {$7600.00} and I have paid a total of {$27000.00}. Why was my lst eight payments applied to the interest and only {$39.00} applied to the principle. See attachment. My payments have not been applied to the rules according to ( GAAP ) General accepted accounting principles. After reviewing my payment history, I see that my payments have been applied to the interest incorrectly. See attachment. The payment history shows months of no payment going to the principle.

Company response to consumer: Closed with explanation