vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: VA

Complaint narrative:
My family was told that donations would help pay for XXXX since I didnt have insurance at the time and I was not coherent and unable to make decisions for myself at the time my XXXX son had to the XXXX XXXX they gave him and my stepdad saying that charity or donations would help me pay this bill for me,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: AL

Complaint narrative:
The credit reporting agency has refused to investigate various creditor that I believe are report information incorrect on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-31 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-31 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-31 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: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-31 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: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I filed for bankruptcy protection on XX/XX/XXXX. At the time I had numerous loans with USAA. One loan in particular has close to a {$50000.00} balance and my parents are co signers on the loan. My parents mailed in a payment on XX/XX/XXXX to continue payments on the loan. They want to continue to make payments on this loan to protect their creditworthiness. However, USAA is not accepting their payments. To add insult to injury, they are returning their payments to me in the form of a check. So basically my parents are sending them the payments on the loan, and USAA is in return sending the payments to me. I am worried this will affect their creditworthiness as well. I have tried to call USAA on this and they will not address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC
State: AL

Complaint narrative:
This company has not provided any information as to the debt but has reported it to the credit reporting agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Called company regarding the loan, no information has been provided regarding the sale of the vehicle.

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 2017-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Denied full access to account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: NJ

Complaint narrative:
On XXXX XXXX, 2017 I gave XXXX and this was unable to work at the time until I resumed work two months later. I had spoke to sallie Mae informing them on the matter that I am on XXXX leave and unable to make payments at the time. They stated not to worry and that I will be placed on a deferment. I never received any emails or phone calls until about the second week of XX/XX/XXXX constantly giving me phone calls and I didnt get paid my first paycheck until XX/XX/XXXX. I then spoke with sallie Mae again saying I can enroll back in auto debit and then I made a payment and XXXX from sallie Mae told me my account was current and that if I make a payment it wont be reported to XXXX or affect my credit score. I received an email saying it did and I am very flustered because Ive been working very hard to improve my credit score as you can see all my accounts are in good standing. I would like to purchase a home in the near future so please help me in removing this error. I am currently working full time and am ready to make payments again. Just because I had a XXXX  doesnt mean I should get punished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/XXXX we checked into our hotel room and XXXX held {$740.00} to cover room charges. On this card once this happens the funds are immediately removed from the account and typically held until a request from the hotel is made to collect funds. I have a receipt from the hotel on XX/XX/2017 stating the funds had been collected. At this time I was in the hospital and a unauthorized charge for XXXX was taken out of my account. I called XXXX and made them aware that this had happened while the transaction was on hold. They told me I had to wait until the transaction was complete to dispute it even though I told them I did not authorize the transaction. I was also told that I had to wait 30 days for my deposit to be refunded by XXXX On the XX/XX/XXXX the funds of XXXX were sent to XXXX. These transactions sent my account into a XXXX dollar negative balance and they were unable to explain how this happened. I am unable to use my account until this is resolved or pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: NE

Complaint narrative:
This account appeared on my XXXX Report suddenly. I 've never received any documents from this company nor have knowledge of what this account is or if this account is mine. I have no knowledge of this account or this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hi here we go again with Wells Fargo,2nd complaint in 1 week.I have a escrow account thru my mortgage that pays my property insurance.The letter from XXXX XXXX  attached claims they did not make this payment, which was due b4 XX/XX/17, today is XX/XX/17 & is asking me to pay it.Wells Fargo I am really getting tired of your non-stop XXXX & pay XXXX what is due them.Also this affects my insurance as it will show up as a late payment.XXXX  wants there money now which should have been paid 2 months ago.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 2017-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
Hello Im XXXX XXXX and I have been receiving inflated fees and premiums from Carrington for the last three years. My fees and premiums started out at {$760.00} and then {$820.00}, and now {$860.00}. There is no reason my premium should rise, I am a realtor and have access to my taxes, they have not risen, I have access to my insurance it has went down from {$1100.00} a year to {$520.00}. I believe that Carrington Mortgage has violated my consumer rights and the Fair Housing statues. I will contact the appropriate government agencies to investigate my account and Carrington Mortgage Service LLC. I have previously contacted financial service for the government thru the FTC to complain about the Carringtons discrimination practices in my refinancing process and now I discover another inflation of my fees and premium. I believe that my account is being padded financial gain and is unlawful, I have had no previous notices explaining non-of the increases, which should not have been. With my insurance going down and my taxes going down my premium should have been {$760.00} for the last 2 years. I request that Carrington credit my account or send me the access fees. I believe I am a victim of I financial crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Unauthorized inquiry that I DID NOT AUTHORIZE nor gave consent for BelkXXXX to do. Validate that inquiry with proof.

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 2017-12-31 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
SCHOOLS FIRST FEDERAL CREDIT UNION : Refuse to remove fraudulent account out of my name, after months of trying to work with them. I have sent ; " FTC ID Theft Report '', Police Report, Copy of my ID & SS Card and they still refuse to REMOVE or BLOCK the fraudulent account from my name. I did not open this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is still reporting a derogatory item on my credit history that should have dropped off in XXXX XXXX. I submitted an online dispute with Equifax on XXXX but did not hear anything. I mailed them a request for a new credit report ( and included all requested documentation ) on XXXX but did not get a response. As of XXXX the item is still showing up on my account at XXXX ID from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
**Applied for and was approved for a personal loan a total XXXX **In the granting process I put up a vehicle title **I made regular timely payments monthly **I walked into the financial loaner with an outstanding balance owed - XXXX **I made a substantial pay-down to the balance with XXXX remaining very minimal outstanding balance XXXX **made repeated requests and pointed out - the XXXX XXXX holds greater collateral then that of the small personal loan remaining of XXXX **repeatedly requested they renegotiate the loan, release the title, lower the interest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reported this to equifax before that my last name in my credit report is reporting wrongly as XXXX. I never had formerly name XXXX. My correct last name is XXXX. I submitted my social security card and passport biographic page that has my correct information and it was correct and it reappear again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I purchased my XXXX XXXX XXXX XXXX XXXX with a cobuyer. Made all my payments on time. I was no longer in communication with the cobuyer shortly after purchase. Come XXXX XXXX I got into a car accident. The accident was the other parties fault and I took the vehicle to a repair facility of my choosing for repairs to be fully covered under the other parties insurance. While my vehicle was being repaired ( fully tore down, parts ordered ) the cobuyer came to the repair facility with his own tow truck and took the vehicle without me knowing to another repair facility that I could not find or get ahold of. My repair facility informed me of what happened. I contacted the cobuyer multiple times to get my vehicle back. The cobuyer told me the vehicle was going into a bankruptcy and that I was not getting my vehicle back. I stayed in constant communication with Flagship and they informed me no bankruptcy was ever filed. Because the vehicle was not actively being repaired the insurance stopped paying for my rental. I was forced to return the vehicle and having XXXX kids being a single parent I needed transportation to get them to school and myself to work. I purchased another used car. The cobuyer told XXXX that they were not going to pay on the loan and hide the vehicle until it gets repossessed. I had NO WAY to get my car back and could not afford to pay on two vehicles. I tried to voluntarily surrender the vehicle so that the cobuyer would too then I could redeem, I asked if once it was recovered if I could get it back then and continue to pay on it. I tried to refinance the loan into my own name and was n't able to. I tried everything I could. Flagship informed me that even if I were to regain possession of the vehicle the cobuyer could still come and take it again. So after learning that, I had to let it go. I worked hard to get my credit score up and maintain that loan. Like I mentioned before I made every single one of my payments on time. Due to the cobuyer bullying me out of the vehicle and forcing the vehicle to get repossessed I am now stuck with this loan, a charge off, and a repossession and I truly do n't believe it 's fair. PLEASE review the whole situation and all the calls. This situation was well out of my hands and I had to take care of myself and kids unfortunately resulting in letting the vehicle go.

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 2017-12-31 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: NY

Complaint narrative:
I had a promotional balance that was to expire on XXXX/XXXX/XXXX. In XXXX of XXXX I asked that payment beyond the minimum payment due on the entire account be applied to the promotional balance as I was not aware that you have to ask them to do this. They began to deduct the excess over the minimum payment from the promo balance. On XXXX/XXXX/XXXX I had a remaining balance on the promotion of {$99.00} and a minimum payment due of {$67.00}. I paid them {$170.00} on this date. I also made an additional payment of {$100.00} on XXXX/XXXX/XXXX to pay down my overall balance. I went to do my year end financial review and found that they had charged me {$240.00} for interest on XXXX/XXXX/XXXX even though my normal interest amount is around {$40.00}. When I called them they told me that they took part of my payment for the promo and applied it to my general balance. I stated I have the letter that indicates that 100 % of the excess payment goes to the and was told that the letters were not accurate that they send out. They did say they would immediately take the XXXX charge off my bill but this has not happened yet. This is total fraud in my opinion.

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 2017-12-31 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XXXX XXXX, 2017 I noticed that there was an inquiry for credit on my XXXX XXXX, that I did not authorize. According to my report my information was used to acquire credit that I did not authorize. This is what is listed under hard inquires for this company on my account : Institution Information : XXXX/XXXX  XXXX, FL XXXX I am requesting that this be removed from my XXXX credit detail.

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 2017-12-31 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: CA

Complaint narrative:
EXPERIAN : Is refusing to remove " Fraudulent Inquiries '' from my credit report, after I provided them with ; FTC Report, Police Report and proper ID. 




Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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