vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 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: Army and Air Force Exchange Service
State: AL

Complaint narrative:
My account has been paid in full to AAFES Starcard. Starcard has updated all my information to reflect correctly but for my XXXX  credit report, it is reporting wrong. It is showing delinquency is recent as of  XX/XX/XXXX which is incorrect. The debt was paid in XX/XX/XXXX. It reflects correctly on my XXXX  and XXXX, but does not on my XXXX. This called re-aging my credit report and is illegal. I do not think it was on purpose but it is reporting " potentially negative '' on my XXXX credit report due to how AAFES update the account.

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 2020-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I bought a water purification system through Aqua Finance. The device has had several issues and currently does not work. The company I  bought the device through wants to charge $ XXXX {$50.00} per half hour to fix. I refuse to pay such large fees every time the device breaks, and was made to believe all warranty and repair would be covered in price of purchase. However, now I am stuck with a broken device and forced to pay the financing contract. I would like to have the unit returned and be refunded for the device. I do not care for either of these companies and feel I have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TN

Complaint narrative:
I received a letter from the creditor by the name of American Coradius International, LLC on XX/XX/XXXX. 
Claiming I owe an amount of {$360.00}.

I was completely unfamiliar with said debt so I immediately called the original creditor & current creditor they have listed.

Neither creditor that they have listed was familiar with the debt or myself as a person. They advised me this could be fraud.

I also decided to research this American coradius international LLC and found multiple sources saying this is fraud as well.

I then contacted this creditor directly and they informed me this was from  XXXX, asked me to verify an email address that I had not used in 10 years. The representative stated he would let the original creditor know but Im not convinced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These items doesnt belong to me And I would like them removed

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 2020-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
I DONT HAVE A LEGAL OR ANY CONTRACT WITH 1 ) SUN LOAN CO 154 2 ) SUN LOANS 151 3 ) SUN LOAN CO I HAVE DISPUTED THESE 3 COMPANIES WITH XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX AND THEY ALL WAYS LIE AND SAY SUN LOAN HAS VERIFIED THE DEBT IS MINES,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: TX

Complaint narrative:
usbank sent me unsolicited visa debit card. concerned about its use fo fraud. usbankreliacard. want a safe way to cancel this card

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 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I received a letter from the creditor by the name of XXXX XXXX XXXX, XXXX on XX/XX/XXXX. 
Claiming I owe an amount of {$360.00}. 
I was completely unfamiliar with said debt so I immediately called the original creditor & current creditor they have listed. 
Neither creditor that they have listed was familiar with the debt or myself as a person. They advised me this could be fraud. 
I also decided to research this XXXX XXXX XXXX XXXX and found multiple sources saying this is fraud as well. 

I then contacted this creditor directly and they informed me this was from XXXX, asked me to verify an email address that I had not used in 10 years. The representative stated he would let the original creditor know but Im not convinced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 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: NJ

Complaint narrative:
I am a XXXX at XXXX XXXX XXXX in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/XX/XX/XXXXplaced this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX XXXX said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/XX/XX/XXXX. This item is Still on my credit report despite being paid in full.

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 2020-10-20 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: NJ

Complaint narrative:
I am a XXXX  at XXXX XXXX College in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/XX/XX/XXXX placed this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX College said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/XX/XX/XXXX. This item is Still on my credit report despite being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: NJ

Complaint narrative:
I am a XXXX at XXXX XXXX College in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/XX/XX/XXXXplaced this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX College said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/XX/XX/XXXX. This item is Still on my credit report despite being paid in full.

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 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
The loandepot closed my refinance but didn't fund the loan for 3 days after the date of closing and I had to pay interest at previous mortgage company and with loan depot for same 3 days twice! 

I talked to the title company and they said they didn't get approval to do final funding for that time period and refunded 1 day 's interest but remaining 2 days I followed up with loan depot and they kind of agreed and opened ticket but now wouldn't respond for more than XXXX months and tell me anything about refund of XXXX $ XXXX XXXX $ interest per day x 2 days )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I used a company to send an email to Capital One asking for a Goodwill removal of some late payments. In response to that email, Capital One sent me a letter stating that they could not change my address unless I give the 3rd party permission. It also said a copy of the request was included with the letter. I did not request an address change and the copy of the request showed what we asked, a goodwill request for removal of late payments. Included with my request, was the request of 6 other Capital One customers. It showed these customers name, address, phone number, the majority of their account number and a link to their social security number. 
I contacted Capital One customer service because I was obviously concerned about these customers data being leaked as well as the possibility of my data being leaked. 
I was initially told by the cs agent to just destroy the documents and to sign up for some " credit monitoring '' at my own expense because she couldn't confirm if my data had also been leaked. I asked her if they intended to inform the customers that their info had been shared. She then gave me a po box address to send the info back to at my own expense. This response is completely unsatisfactory. They sent out peoples private info and are acting like its no big deal and expect me to foot the bill for my own credit monitoring?! Nevermind the fact that they never even responded to the goodwill request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2020 I filed a dispute as I noticed fraudulent charges to my checking account and a credit card in my name. After contacting XXXX XXXX, where the transactions were made, it was made clear that my card was stolen and used without permission. My credit card company took action immediately and the charges were reversed. My bank SunTrust did not take action, nor did they reverse the charges so I filed a XXXX  complaint which is still ongoing as they refuse to do anything to rectify this matter. They only issued a new bank card to me following the initial dispute. Over 3 months later, they refuse to fix the situation even following a response from XXXX XXXX stating that if the charges were disputed by my bank, they refund the money per the decision made by SunTrust. The charges to be refunded total {$710.00} and this is completely unethical or legal what is going on at this point. This is money that I need for my bills and it was taken from me fraudulently and my bank who I have been with for a very long time should not be able to do this when XXXX has made it clear on multiple occasions now that they would refund the charges at SunTrusts request from my dispute.

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 2020-10-20 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: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-10-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-10-20 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: TX

Complaint narrative:
Hello, I am XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: MS

Complaint narrative:
I applied for a surge credit card and was approved for a XXXX dollar limit. Once I received the card i webt thriugh the online account set up. But once I read the interest rate abd fees I hung up on the account activation specialist abd decided not to activate the card. HOWEVER, continental finance still activated my account and though the card was thrown away and never activated for use, they are saying I owe XXXX dollars with XXXX dollars past due. I never activated the card, I never fully opened the account. I decided I didn't like the terms. I thought The account would be closed when the card was not activated. If they did activate the card they never got my permission. AGAIN the card was never used but I have a XXXX dollar ballance? with XXXX due and XXXX past due? What? No way.

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 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
The servicing of my mortgage was transferred to XXXX XXXX XXXX XXXX c/o LoanCare , LLC effective XX/XX/2020. On XX/XX/2020, after contacting LoanCare and speaking with a customer service representative, I made an online principal curtailment in the amount of {$43000.00} along with a one-time fee of {$300.00} in order to re-cast my mortgage. 
Since that time, I have repeatedly contacted customer service to follow up on the re-cast documents. After the first two follow-up attempts, with no resolution in sight, I reached out to my Loan Officer,  XXXX XXXX, on XX/XX/2020 to see if he could assist. 
On or about XX/XX/2020 almost three months after I submitted the online principal curtailment I finally received an Agreement for Modification, Re-Amortization, or Extension of a Mortgage in the mail. However, upon review of the document, I realized much of the information was inaccurate. I, once again, contacted customer service and was advised that I would have corrected documents in my hands by XX/XX/2020. 
As of today, I have still not received the corrected documents. I contacted customer service again today for the 5th time and spent 38 minutes on hold waiting, in vain, for someone to connect me to a supervisor. 
It is now almost four months since I sent LoanCare over $ XXXX and I have nothing to show for it. I continue to make my monthly mortgage payments, on time, in the full amount specified under the original terms, when I should, in fact, be making principal & interest payments on the reduced amount.

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 2020-10-20 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:
I am writing because one company placed a mark on my credit report which I wish to dispute. Please let me know how I owe you money since I have never heard of your company before. I dont recognize this debt and even if I do owe it, I certainly dont owe this much. There must be some kind of error in your calculations. Please provide me with proof that I owe this debt and who owns the debt that you say that I owe. 
I demand that you contact the credit bureaus and let them know that I dispute this debt. I hereby insist that you stop all attempts to contact me by telephone. Also, send me copies of what you send to the bureaus when you notify them that I disputed this debt.

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 2020-10-20 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: NY

Complaint narrative:
I am writing because one company placed a mark on my credit report which I wish to dispute. Please let me know how I owe you money since I have never heard of your company before. I dont recognize this debt and even if I do owe it, I certainly dont owe this much. There must be some kind of error in your calculations. Please provide me with proof that I owe this debt and who owns the debt that you say that I owe. 
I demand that you contact the credit bureaus and let them know that I dispute this debt. I hereby insist that you stop all attempts to contact me by telephone. Also, send me copies of what you send to the bureaus when you notify them that I disputed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a copy of my credit report and I noticed there were information on there I did not recognize. I reached out several time to the credit agencies asking for any documents bearing my signature. As of today I have not receive any documents bearing my signature. I would like your help in helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
They say I have 2 late payments from 2017 that is really impacting my credit score. I have been in good standings with them for years and haven't been late with any accounts on my credit. I've called XXXX, they won't do anything about it and said it won't fall off until 7-10years And I've called Transunion and they can't do anything. I was also in XXXX  XXXX   XXXX  for a few and had to study for my state exam that took me almost a year to go take due to my studying. So I was dealing with alot of financial hardship trying to get back in order to make a income.

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