vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-18 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: NV

Complaint narrative:
dispute submitted thru cfpb and was sent to the company. they state they reinvestigated the dispute however it is not possible for them to have reviewed all of the documentation I sent, then sent to their 3rd party vendor for review in order to just tell me the item remains unchanged from processing of my previous dispute request. I provided a multitude of additional documentation along with the complaint still no reinvestigation into this dispute. this is clearly a violation of my rights under the FCRA and I am now requesting the agencies method of verification in addition to the 3rd party vendor they use XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Unverified Re-Aging. Name spelled wrong on documents sent to my address while trying to collect debt from me! Account removed From XXXX But wont remove from XXXX  or 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 2020-01-18 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: LEXISNEXIS
State: NV

Complaint narrative:
dispute submitted thru cfpb and was sent to the company. they state they reinvestigated the dispute however it is not possible for them to have reviewed all of the documentation I sent, then sent to their 3rd party vendor for review in order to just tell me the item remains unchanged from processing of my previous dispute request. I provided a multitude of additional documentation along with the complaint still no reinvestigation into this dispute. this is clearly a violation of my rights under the FCRA and I am now requesting the agencies method of verification in addition to the 3rd party vendor they use Lexis Nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
XXXX I opened an Ace CASH Flare, XXXX account. 

I opened an account as part of an offer to receive a {$100.00} credit under the following conditions : " To redeem this offer you must receive a direct deposit of payroll or government benefits to your Account within 60 calendar days of your receipt of this offer. Excludes tax direct deposit. Your receipt of this offer is the date that you establish a Flare Account, including completing account activation and identity verification, as determined by our system-generated time stamp. A credit of {$100.00} will be applied to your Account within 30 business days of receiving qualifying direct deposit. '' XXXX I made a direct deposit from my employer of {$500.00}. 

XXXX After more than " 30 business days of receiving qualifying direct deposit, '' no " credit of {$100.00} '' was applied. 

XXXX I contacted ACE/XXXX  asking for the offer having fulfilled their conditions. 

XXXX ACE/XXXX  replied asking for proof. They claimed that I had to have received an e-mail offer. However, the " ACE Bonus Offer '' PDF contains no reference to any e-mail offer. 

XXXX I sent an e-mail to ACE/XXXX XXXX   customer service providing the proof of the offer and a reference number of my case ID. I have attached the proof as " ACE Bonus Offer. '' XXXX ACE/XXXX  replied stating that they " unable to process your request at this time '' and would " provide you an update within 1-2 business days. '' XXXX 4 business days later, I still had not received an update. I contacted ACE/XXXX  XXXX customer service again asking for the offer having fulfilled their conditions. 

XXXX ACE/XXXX  replied stating that " Someone from the corporate office will contact you directly within the next 2 business days. '' XXXX 3 business days later, I have not been contacted by ACE/XXXX I still have not received the {$100.00} offer having fulfilled their conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: NE

Complaint narrative:
account was canceled and equipment was returned in XXXX 2019, but company says didn't not get returned and sold account to credit agency for double in XXXX 2019 2019

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 2020-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I'm being charged for a loan when I told the university XXXX XXXX college that I would not be able to attend due to health crisis and I dropped out of the program yet they went ahead and processed the loan as if I never stopped attending. I was dismissed as nothing could be done but there seems to be something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a victim of ideninity theft trying despertly to resolve unauthorized charges Statement of XX/XX/XXXX has 16 Adjustment Purchases XXXX that are UNIDENTIFIED and New Purchases UNIDENTIFIED in the same amounts XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE IDENTIFY THESE who merchant why a new charge. I need to know what it is I am paying for Why does truth in lending statement say TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD {$450.00} I made payment {$77.00} and Account Summary says other credits {$700.00} PLEASE IDENTIFY these {$700.00} credits. IF MORE THAN {$450.00} WAS CREDITED THIS IS NOT A TRUTHFUL TRUTH IN LENDING STATEMENT IF ONLY {$450.00} PAYMENTS AND CREDITS REALLY APPLIED THEN I Am owed more credits Consumers cheated. Is statement UNTRUTHFUL or was I cheated out of credits I deserve? ALL CREDITS. GIVEN WERE TAKEN BACK How could this produce two credits for one purchase to legally charge it back If credit taken back it was never given How can you take back what you did not give without CHEATING CONSUMERS?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check 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 2020-01-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check 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 non-monetary relief
Consumer complaint received 2020-01-18 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: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my 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 2020-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check 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 2020-01-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check 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 2020-01-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my 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 2020-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent {$500.00} to my Brother company 's bank account in XXXX, through Money Gram electronic wire transfer, I expect my Money to be there in a timely manner within minutes, not hours! But it's been 2 days going to three days, my money is not there yet I made several attempts to call Money Gram. It seems nobody not even there account specialists could provide me with cogent reasons why my money is being delayed or not being transferred, and when I asked for my money back, I was told, they wont be able to give me a refund, it seems like a daytime robbery or a Scam! I will be contacting Federal Trade Commissioner next week, or perhaps forward a complaint to the office of the District Attorney and get the Dept. Of Justice involved, this scam by Money Gram can not be happening in the USA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to the CFPB as the effective, judicial, legal and prosecutorial agency to enforce the DODD-FRANK LEGISLATION AND FEDERAL RESERVE REGULATIONS, RULES AND GUIDELINES AND LEGAL INTERPRETATIONS OF ALL THE AFORE -MENTIONED. 
I ALLEGE HERE AND SUFFICIENTLY PROVE WITH A PREPONDERANCE OF EVIDENCE THAT BANK OF AMERICA VIOLATES REGULATION CC, INTENTIONALLY BY ORGANIZED, COMPUTERIZED SYSTEMS THAT BANK OF AMERICA DOES SO IN ORDER TO PROVIDE THEMSELVES A HIDDEN ILLEGAL PROFIT CENTER TO BENEFIT THEMSELVES WHILE SECRETLY DEFRAUDING THEIR CUSTOMERS. 
INCLUDED HERE are the final levels of appeal ; are OCC opinions devoid of legal merit and discretion.The OCC knows where their " bread is buttered '' .Is not the OCC completely and totally funded by member banks? Is not Bank of America the largest depositor bank in America and therefor likely one of the highest contributors to the OCC 's payroll and infrastructure? 
The final opinion of the OCC is that Bank of America can cash and hold checks by whatever Bank of America " feels '' and that the disclosure contract of accounts says Bank of America can '' feel " like not cashing a check, regardless of Regulation CC. 
I allege the criminal, computerized, activity of not cashing checks is dictated by Bank of Americas " feeling '' that they need " to play the float '' with these checks to make profit, however hidden and illegal it could be. 
The Disclosure Booklet is likely necessary to be approved by regulators and as such would be wrongful if it allows Bank of America to " feel '' or " not feel '' like cashing a check. 
Included here is the FEDERAL RESERVES LEGAL INTERPRETATION OF THIS " FEELING '' THAT BANK OF AMERICA WOULD HAVE TO ATTAIN THAT A CHECK COULD BE HELD to " play with the float. '' Bank of America does not meet this legal bar set by the Federal Reserve. BANK OF AMERICA 'S '' feeling that a check will be returned unpaid '' is the analogous equivalent that " pedestrians who cross busy streets may be hit by cars. " Bank of America does not meet the explicit standard of the Federal Reserve for their " feelings ''. 
Bank of America " feels '' like they need profit, legal or otherwise.This extraordinary statement while seeming like an exaggeration is proven in the attachments here. 
Bank of America like XXXX XXXX is guilty of organized criminal activity to defraud customers.

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 2020-01-18 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays bank Delaware has Violeted the law by refusing to verify the tradeline the reporting to the 3 bureaus.i sent out some letters beginning XXXX of XXXX and the never responded. So XX/XX/XXXX I decided to call them so I can get to the bottom of this.they told me they couldn't verify the tradeline because they didn't have it on file yet they reporting it. according to the law it's my right to ask for debt verification but Barclays Bank refuse to follow the law

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 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
My credit report is showing default payments from XX/XX/2017 of XXXX this perticular account I disputed with XXXX XXXX  for many months prior as they were never actually able to provide me with any kind of service whatsoever for broadband which ultimately forced me to find another supplier who could provide the service but they sent me a bill anyway for XXXX after lengthy discussions they said they had provided a service and i must pay I supplied all the emails I sent asking for the problems to be fixed otherwise I would have to find and alternative supplier. They then started threatening court action which I actually encouraged becouse I knew it would finally be sorted out. They then decided just to mark XXXX which includes late payment charges as default payments on my credit report which I have been trying to get removed ever since and no body seems interested in correcting. I'm absolutely appalled that a company can just ruin your credit report on a whim without any kind of evidence or legal right to do so. Its discracfull we are allowing this to happen i had a ccj applied to my account from a water company who apparently took me to court but never informed me the first I heard about it is when I see it appear in my credit file these kind of things have to change if it was anywhere else they would be being sued for deformation of charicter. After trying to correct these multiple times with XXXX and eqifax I have got no where the best I have got is some links to the ongoing dispute which doesn't actually work I have been trying to get thus resolved since 2017 and causing serious problems for me and I just want someone to step in and get this resolved now. 

If you require the emails and responses sent to XXXX XXXX please ask and I will forward them to you. 

Many thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: FL

Complaint narrative:
Filed numerous disputes over and over again wrong information also a vitcim of identity theft

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 2020-01-18 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: FL

Complaint narrative:
Filed numerous disputes over and over again wrong information also a vitcim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Filed numerous disputes over and over again wrong information also a vitcim of identity theft

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