vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 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: GA

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX  XXXX. partial account number XXXX. This account needs to be coded as an XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
On XX/XX/2019 Scott and associates called, my fathers home, and ask for me. I do not live there. So my dad gave me the number. i called them and they ask for the last 4 of my ssn so they could identify it was me. So like an XXXX i gave them the last 4 only, of my ssn, then they claimed i was not the person they were looking for? I feel this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: IL

Complaint narrative:
The DEPT. Of ED/Nelnet continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account has been refinanced with US DEPT of ED/XXXX and is being listed and reported as a duplicate as it is already a part of my public record reflecting through US DEPT of ED/XXXX and DEPT. of ED/Nelnet has agreed to remove, please refrain from continuing to report this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: KY

Complaint narrative:
My brother XXXX XXXX, passed away in XX/XX/XXXX. He had a Direct Express debit card for his Social Security direct deposit. I wanted to know if there was a balance in the account and requested the remaining funds. Direct Express told me what paperwork to send in and I mailed everything on XX/XX/XXXX. Didn't hear anything so I called on XX/XX/XXXX. Talked to XXXX. She told me the paperwork was received and I will be contacted about any remaining funds in 3-4 weeks. No response, so I called again XX/XX/XXXX talked to XXXX. She told me, there is nothing pending on the account. She said, there is no correspondence from me. She never asked me for the tracking I.D . number. I asked for a Supervisor, was put on hold twice. Said the Supervisor did not answer either time. XXXX did not offer any assistance after that. Did not go over the procedure or anything. This business has numerous complaints with the XXXX XXXX XXXX  and nothing has ever been resolved. I still don't know if my brother 's debit card has any remaining funds. Customer service is non-existence. How do they remain in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: GA

Complaint narrative:
XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX   XXXX. partial account number XXXX. This account needs to be coded as an M1. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit scorXXXX and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Accounts, LLC
State: MI

Complaint narrative:
Please reference complaint XXXX. The reply from the company was a lie. I have proof that they called. I will provide a screen capture of my phone record from that day. They broke the law, harassed the other person who answered my phone, and proceeded to give that person personal information about me without verification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The Capital One Bank USA NA opened XXXX XXXX,2015 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Synovus Bank
State: TX

Complaint narrative:
In XXXX, I applied for a refinance of my home loan. The finance company told me that in order to close my loan I had to pay a charge off on a credit card with CB & T who is now known as Synovus. I reached out to XXXX to report the error on my file and I made numerous attempts to resolve with Synovus by phone and email. When I send the email I am advised to speak to a representative, when I speak to a representative they tell me that can not research it because I do not have the card number. They can not find anything under my name or SS # on their files relating to a credit card. So I did some research myself and found that the CC that is being reported under my name as an authorized user, is my daughters account. However the card on her credit file with the same opening and closing date of the card is showing paid as agreed and paid in full in 2015. But on my credit report it is showing as a charge off. I have provided Synovus all the supporting documents and they still contend that unless I can provide them the card number they can not help me. I cant provide them a card number because I didn't have a card, she just placed me as an authorized user without my knowledge and consent as an emergency. She paid the account off in 2015 and does not have anything that shows the card number. I always thought that if the lender can not find a record for derogatory information then they were obligated to remove the line. Seeing as they can not find anything under my name or SS # I would think this would be a no brainer. However I am into my 3rd week of dealing with them and am still in the same spot I was in at the beginning, no one is willing to resolve this or prove that I entered into a card agreement with their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On multiple occasions I have attempted to access my claim status on the company website and receive a " Try again later '' message after correctly answering the security questions. I called and requested a paper copy of the results of my dispute and have not received any information in the mail. The company continues to send me emails but I can not access the dispute results or my credit file via their website. This has been an ongoing issue with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: NJ

Complaint narrative:
As of XXXX XXXX today, all 3 credit bureaus can not accept online disputes. How is that possible? I am starting to think this whole thing is a scam. How can they all be having technical issues at the same time on the same day?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: TN

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX AND XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 22 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I had high hopes for this bank and after only 2 months I am closing my account. I went to an BOA ATM on XX/XX/2019 at approximately XXXX XXXX and attempted to deposit {$60.00} - {$70.00} dollars into the ATM. I use this same ATM frequently to deposit funds, it's usually quick and convenient considering the bank near me has no drive through options, and the inside is extremely busy all the time. The BOA ATM malfunctioned, gave me card back but said it was unable to give me back the funds I put in it. I go inside the bank, no help. I call to file a claim, with hopes of money getting put in my account expedited because it was for a bill, and I work at a bank so I know it can take 10 days, but there are procedures to get it expedited. Only to get told I still have to wait 10 days to get my money back by three different reps and a supervisor because of the age of my account. All for an error caused by the bank. No one stole money out of my account, there was NO FRAUD, my card was not lost or stolen, I was not irresponsible. BOA ATM Malfunctioned and kept my money. Now, I have late fees on the bill I was going pay, BOA will not reimburse me for that of course. The money was for a bill I was needed to pay today, and now I will have late fees, all because of your ATM malfunctioning. This completely unacceptable and unfair to me as an customer. 

Ive lost 0 trust with you all as a bank. Knowing something like this can happen with a small amount money and this bank wont do anything to rectify the situation, which was caused by their own ATM machine not properly working.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: UT

Complaint narrative:
On XX/XX/2019 I receive a call from GM financial that my payment is late. It cant be Im on auto pay. This is the third time I have put my account on auto payment and GM has taken it off without my consent only to charge me a late fee and ruining my reputation. I noticed there are a lot of complaints for the same thing from others. In this short space I can not site each law that has been broken but Ill be happy to list each on in our suit if it becomes necessary. I will not be defrauded by this company any longer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: OH

Complaint narrative:
I contacted XXXX XXXX XXXX regarding an old auto loan that I paid off back in XXXX. While reviewing my credit score, I noticed XXXX XXXX XXXX noted the account was paid, charged off. I contacted them to correct this as well as the times they reported to the credit bureaus that my payments were not made and explained that those dates reported were payments made on time and I was allowed to make payment arrangements later in the loan 's life. I was told to file a dispute. 

I filed several disputes with Experian ( both online and over the phone ) regarding both the charge off as well as disputing that the payments were late. I attached a payment history I received directly from XXXX XXXX XXXX as well as a letter disputing the information reported. Experian not only did not correct anything on my dispute, they also changed the charge off date from XX/XX/XXXX to XX/XX/XXXX. Experian said the only thing I could do was keep filing disputes. 

I contacted XXXX XXXX XXXX regarding the change. I was told that the reason the charge off date was changed was because I filed a dispute and that they wouldn't correct the information. 

I already have an open complaint against Experian for failing to investigate this properly especially with them allowing XXXX XXXX XXXX to change the charge off date by 5 years. I would like to file a complaint against XXXX XXXX XXXX as well.

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 2019-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Best Buy Credit Card through CitiBank credit inquiries won't go away and are excessive in timing. Their cards are paid in full and they won't help in removing hard pulls because they insist they only do soft pulls. This is damaging my Equifax Report. Please help with removal. 

CITIBANK NA., BEST B Inquiry :XX/XX/XXXXCITIBANK NA., BEST B Inquiry :XX/XX/XXXX CITIBANK NA., BEST B Inquiry : 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 2019-05-10 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: NJ

Complaint narrative:
As of XXXX XXXX today, all 3 credit bureaus can not accept online disputes. How is that possible? I am starting to think this whole thing is a scam. How can they all be having technical issues at the same time on the same day?

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 2019-05-10 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: NJ

Complaint narrative:
As of XXXX XXXX  today, all 3 credit bureaus can not accept online disputes. How is that possible? I am starting to think this whole thing is a scam. How can they all be having technical issues at the same time on the same day?

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 2019-05-10 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: TN

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX AND XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 22 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: LA

Complaint narrative:
I have told them to communicate with me only by mail. Today they texted me and a family member via text. The text allowed anyone they sent it to to accept/agree to on my behalf. I dont know what this is about. I want them to provide everything they have showing I owe whomever they are trying to collect for and to stop harassing me and my family members by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: NY

Complaint narrative:
There are several accounts that have been open/closed repeatedly on my report from XXXX XXXX, there has never been a lapse in account that I have had with them. 

There is a XXXX account that has been opened up fraudulently in my name. I have sent in a dispute through XXXX XXXX and they have refused to acknowledge the frauds behind it. Below are the dates for the accounts mentioned above. 

XXXX Department Store : XX/XX/XXXX This account above was the one that was opened fraudulently. 




XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX The account above is still open but it has been placed on my credit report three times.

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 2019-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
On XX/XX/19 a payoff amount was issued to TitleMax   by XXXX XXXX XXXX following a total loss on my Suburban after an auto accident in the amount of XXXX. 
On XX/XX/19 TitleMax  said that the check was in their possession but continued to delay crediting the money to my account and issuing any overpayments due me. I was told that the Store manager XXXX has to approve the transaction despite the check being made out to TitleMax. I believe that they are attempting to extract as much interest as they can up to the dollar amount of the check before they credit my account. This is fraudulent behavior and I now demand that the full amount be refunded me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/19 I was trying to obtain a loan the loan company needed a credit report. Experian offered it for XXXX for a 7 day trial. I cancelled it before the 7 day trial ended. On XX/XX/19 I received an email stating my report was free. I called XXXX XXXX XXXX to make certain it was cancelled. On XX/XX/19 I received a email from Experian stating there was a issue with my account. I called XXXX XXXX XXXX to inquire the automated ph stated I had no membership. On XX/XX/19 @ XXXX I called XXXX XXXX XXXX to speak to a representative to make certain that it was cancelled, he assured me I had no account. On XX/XX/19 I checked my bank account @ XXXX I see a XXXX posted transaction from Experian. I called the number XXXX XXXX to inquire on membership # that I never had XXXX and have yet to get my phone inquiry through automated phone system I want a full refund for this unauthorized transaction.

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 2019-05-10 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: GA

Complaint narrative:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've contacted the police and FTC. I'm doing this on my own behalf. There are still items on my credit that are not mine. 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 non-monetary relief