vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-12 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:
I 've disputed a XXXX debt with Experian, XXXX, and XXXX more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my XXXX credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.

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 2017-08-12 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: NC

Complaint narrative:
fraudulent account, XXXX XXXX XXXX, XX/XX/2015, XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: NC

Complaint narrative:
fraudulent accounts, XXXX XXXX XXXX ,X/XX/16 ,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 2017-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Go Capital Holdings, LLC
State: NC

Complaint narrative:
I was told to be able to skip a month with Go Financial, I needed to make six payments. I did that and then called and tried to skip a month, JUST ONE because I had XXXX and was out of work, and am the only one working in my home right now. They gave me the run around and gave me XXXX, refusing to allow me to skip a month

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 2017-08-12 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 mailed a certified letter to Transunion on XX/XX/XXXX and was received on XX/XX/XXXX via tracking update. No response as of XX/XX/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 2017-08-12 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: NC

Complaint narrative:
fraudulent accounts, XXXX XXXX XXXX ,X/XX/16 ,XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: NC

Complaint narrative:
fraudulent accounts, XXXX XXXX XXXX ,X/XX/16 ,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 2017-08-12 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: OH

Complaint narrative:
citi charged me credit protection fee i neaver asked for

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 2017-08-12 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: NC

Complaint narrative:
fraudulent account, XXXX XXXX XXXX ,X/XX/2010, 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 2017-08-12 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: MI

Complaint narrative:
I 've disputed a XXXX debt with XXXX, XXXX, and Transunion more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my XXXX credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.

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 2017-08-12 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: MI

Complaint narrative:
I 've disputed a XXXX debt with XXXX, Equifax, and XXXX more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my Equifax credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: NC

Complaint narrative:
fraudulent account, XXXX XXXX XXXX ,XX/XX/XXXX2010, XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This complaint is in followup to Complaint ID XXXX, which i submitted in XX/XX/XXXX. Details can be found therein. I have tried to work diligently with Wells Fargo for well over a year to address the small business credit cards Wells Fargo opened and assigned me personal liability. The account opening documents they provided me as evidence contain signatures nowhere close to my signature. I have documented the following details to Wells Fargo : 1. I was unaware of any application for their credit cards 2. The signatures attributed to me on the application forms, which they provided me at my request in XX/XX/XXXX, well after the accounts had been shut down, are clearly not mine. 3. Wells Fargo never contacted me to verify the applications before approving them. 4. I never activated or used any of the cards issued. Despite explaining these points to Wells Fargo multiple times in writing, Wells Fargo continues to insist no fraudulent activity occurred, and claiming i am responsible for charges on the cards they issued. Wells Fargo has avoided responding to the following points : - The signatures on their application forms are not mine. How could their employee possibly be unaware the application contained forged signatures? - Are n't employees required to verify the identify of an applicant by checking a picture ID? If not, why not? - How does Wells Fargo know its employee was not complicit in submitting a fraudulent account in order to meet a sales goal? - Did Wells Fargo have no controls in place in its account opening process to ensure the applications they receive are valid? Why was i not contacted to verify the application? Please help me to obtain resolution of this issue. Simply funneling my complaint on to Wells Fargo, then closing this claim, which you did in XX/XX/XXXX, obviously was not sufficient. Do let me know if helpful for me to provide you copies of communications between Wells Fargo and me regarding this issue.

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 2017-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company XXXX said that that my bankruptcy was verified through XXXX and I have a security freeze on there they stated that they got the information from a third party 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 2017-08-12 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: GA

Complaint narrative:
The company XXXX said that that my bankruptcy was verified through XXXX and I have a security freeze on there they stated that they got the information from a third party 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 2017-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have made over three attempts to get this company to provide me full verification of this alleged debt for {$2200.00}. I was only sent the last statement from the original creditor for {$2000.00}.
This is my last attempt for full verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I was XXXX and spent several months in XXXX which prevented me from making payments or calling the mortgage company asking for any type of loss mitigation assistance. Due to the missed payments, a sale date was scheduled for XXXX XXXX, XXXX. I was released on XXXX XXXX, XXXX and immediately put the property under purchase contract as a standard sale, it is a cash offer. We submitted the purchase agreement to the mortgage holder on XXXX XXXX, XXXX. Documents were confirmed received on Friday, XXXX XXXX, XXXX. I was told that the property would need to be sold and paid in full BEFORE the sale date ( that is only 7 days ). I explained that my buyers have a 7 day inspection period and still need to pull title to ensure no other liens are on the property. This unreasonable time frame will not allow for any of that to be done. We then requested reinstatement and payoff figures, we were told they needed to be ordered and would take 3 business days before the figures would be available. This means they would not be available until the day before the actual sale. I asked how they expected me to reinstate the loan if I did n't have the figures. I was told we should have called in sooner. We called on 3 separate occasions and were told the same thing all 3 times. I am the only one listed on my loan, I was not in a position to make phone calls and stay talking on the line for hours trying to get this worked out. Once I was released, I made every effort to rectify the loan. There is over {$100000.00} in equity in my property and now, the mortgage company is trying to profit off of it. All I am asking for is a postponement of sale in order to complete the sale. Nationstar will not help me with this but instead are moving forward with the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AMSHER COLLECTION SERVICES ; DATE ASSIGNED : X/X/2013 ; ORIGINAL AMOUNT OWED : {$190.00} ; AMOUNT NOW OWED : {$180.00}. This is showing up on my credit report as a collections issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: NRA Group, LLC
State: NY

Complaint narrative:
I am attaching a dispute with National Recovery Agency. I disputed this claim with XXXX and it has been deleted from my XXXX credit report. National Recovery Agency should IMMEDIATELY remove any and all derogatory marks that have placed on my credit score with other credit bureaus. 

I have attached a copy of the deletion dispute from XXXX to this complaint.

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 2017-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Dear Sir or Madam, I recently discovered I was being charged huge interest on a Care Credit card that had been promoted as free financing for XXXX XXXX done in 2013. The company, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX AZ XXXX ( ph. XXXX ), represented by XXXX XXXX ( Director of XXXX XXXX and XXXX XXXX ) promoted interest free financing in an effort to get me to sign up for a Care Credit card. I was referred by her to XXXX XXXX in XXXX 2013. He told me that there was to be " no interest on the full amount of the charges for this XXXX XXXX until fully paid off ''. This was a promotional offer, the sole purpose of which was to " promote my use of the card for further purchases. '' This was untrue. At the end of an unmentioned 2 year promotional period, I was charged the accrued interest at 26.99 % for that two year period. The amount of that interest was {$2400.00}. I was not shown, nor was I verbally informed of any promotional period that involved a payment of accrued interest when it expired. Upon questioning XXXX XXXX about this, she sent me two Care Credit Sales Drafts of that agreement that were UNSIGNED. They were unsigned because I never saw them at any time during the meeting with XXXX XXXX. If I had, I would certainly not have signed such a poor agreement. ( These unsigned sales drafts are included in the attachments ). I made the mistake of allowing an automatic debit to take place on this card along with online statements, thinking that ( as XXXX led me to believe ) the principal would simply get paid down. While it would have been in my interest to have regular statements delivered, during that period my wife developed XXXX and for the following couple of years I was preoccupied with her care and the details of her eventual death. Meanwhile, the card was not getting paid down at all. In fact it was developing the horrendous compound interest which I only discovered recently. I have heard of this sort of activity by unscrupulous credit card companies, but never believed a company like XXXX would be involved in such activities. As I indicated to XXXX XXXX, I feel like a rube at a carnival that has just been duped out his hard earned cash. The attachments include emails between myself and XXXX XXXX, along with the unsigned Care Credit sales drafts, my original financial agreement and the credit card statement for the month the lump sum was added to my account. Please note that the emails/attachements time line reads from BOTTOM to  TOP. Thanks for your help, Cheers, 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 monetary relief
Consumer complaint received 2017-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
my brother XXXX XXXX on XX/XX/XXXX. He had an account with Bank of America with me as POD.On XX/XX/XXXX I went to a BOA branch with my brothers XXXX certificate and personal ID, they copied the XXXX certificate and wrote down my information and told me my request had to be reviewed by their Estate Unit. They sent me a " beneficiary letter of instruction '' to fill out and requested a copy of the XXXX certificate, which they already had. I faxed the requested paperwork on XX/XX/XXXX. On XX/XX/XXXX I called them to find out what was taking so long. The worker told me they received my Paperwork on XX/XX/XXXX, I do n't know where it was for the three weeks from when I faxed it. She told me that I should receive something in 7 to 10 days. On XX/XX/XXXX I again called asking what was going on. This worker told me the Estate Unit was overwhelmed by work and way behind. She told me she entered me into the system and again I was told I would get something in 7 to 10 days. I asked if something meant my funds, she said yes. My complaint is why does Bank of America have an Estate Unit that slows down the process of getting beneficiaries their monies? We have expenses to take care of, and the XXXX of a loved one is enough stress. Is there money being made by locking who knows how many XXXX of dollars in low interest accounts while they have it invested at a higher rate. My brother 's biggest mistake was setting this account up with BOA as they obviously do n't comprehend that Payable on XXXX means that. This should have taken a week at the most, I 'm now looking at more than 8 weeks since I first walked into their branch. CFPB should be looking into this process in its entirety not individual complaints.

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 2017-08-12 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: NM

Complaint narrative:
Equifax is not responding to any of requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XXXX 2017 I spoke with Navient and was told that my student loans were in good standing until XXXX 2017. In XXXX I was offered a job, when they pulled my credit XXXXport, it showed 3 of my student loans were in default. When I called Navient I was told my loans were not in default and were in good standing. They refused to send me a letter. The job offer was withdrawn and I lost a job paying me {$87000.00} per year plus bonuses and incentive. On XXXX XXXX, I received a letter that my taxes were going to be intercepted to pay student loan in default. I am told over the phone my student loans are in good standing until XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: FL

Complaint narrative:
i keep getting inquiries from this company after telling them over and over again there was no way i would make a inquiry 5 times back to back they finally send me a letter telling me they are concerned someone may be using my personal information.thats what ive been telling them for months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Most likely the Bank wont open my account because I do n't have credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
XXXX is reporting that a company by the name of Common Wealth Financial Date Reported : XX/XX/XXXXOriginal Creditor Name COMMONWEALTH FINANCIAL Balance Date XX/XX/XXXX Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Original Amount Owed {$430.00} Account Number XXXX XXXX Amount {$430.00} Creditor Classification Medical or Health Care Status Date XX/XX/XXXX Last Payment Date Status UNPAID Date of First Delinquency XX/XX/XXXX Comments Medical I do not owe the above company any money for medical bills.

Company response to consumer: Closed with explanation