vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been having several problems with XXXX XXXX XXXX, they are currently reporting a fraudulent address attached to my name and social in which I have never lived. They have no authentication of this address being associated with me, but have merged my information with someone with a similar name and date of birth as mine. I was contacted by this individual to stop using her address as it was never done by me this was all done by XXXX XXXX XXXX and they have forwarded this information to the credit bureaus which is causing an issue on both sides.

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 2019-12-26 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: SIMMONS FIRST NATIONAL CORPORATION
State: FL

Complaint narrative:
XXXX of XXXX XXXX is in Breach of Warranty. I took the XXXX  XXXX to address the rough starts, was false and mislead advised that the issue will be fix by a fuel injection service. 
I did not fix the issue, the dealer provided over 10 other service, such as tire replacement, alignment, induction service, throttle body service, injector cleaner, engine filter, fuel pump assembly, injector failing diag, brake flush and brake front, should a tire replacement should fix a rough start? 

I disputed the charge with Simmons Bank and they reverse the credit, charging for a service that did not fix rough starts.

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 2019-12-26 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: NY

Complaint narrative:
I'm not responsible for this account, i believe, that somebody used my personal information and applied for it.

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 2019-12-26 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: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I was charged by XXXX in XXXX of 2019 when i reported the fraudulent charge to XXXX  the refunded the amount immediately. ( I have documentation of this ) I canceled my card in XXXX of 2019. 
In XXXX of 2019 I was billed for the amount refunded. The credit card company state that i was charged again. The bill state the charge was made in XXXX and was posted on XXXX XXXX bill. XXXX stated they did not make a second charge. I explained this to American Express. American Express has not resolved this issue. American Express is trying to charge me for a charge that was refunded to them. I have tried to resolve this with American Express and they continue to bill me for the amount of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX  XXXX  ran my credit report without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: AL

Complaint narrative:
XXXX XXXX XXXX. The balance of {$44000.00} is incorrect. The balance on this account is only {$24000.00}

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 2019-12-26 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: AL

Complaint narrative:
XXXX XXXX XXXX. The balance of {$44000.00} is incorrect. The balance on this account is only {$24000.00}

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 2019-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I had three transactions show up from my checking account. {$200.00}, {$190.00} and {$190.00} were processed through the cash app. I do not have a cash app account and can not get in touch with company at all unless I create one. This company let somebody use my debit card for the transactions. This caused my account to be overdrawn substantially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Credit Acceptance Corporation is reporting my balance as {$44000.00} when it is only {$24000.00}.

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 2019-12-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Lease ended XXXX and vehicle returned. XX/XX/XXXX statement for {$620.00} received ( {$400.00} disposition fee and {$220.00} excess wear and tear ). 

Kia Motors Finance ( KMF ) personnel have contacted me on my cell phone and also at my place of business on too many dates to list to collect this disposition fee and excessive wear and tear on a lease. I do not owe those funds. When the first invoice arrived, I called the XXXX number to notify how the account was being handled. The disposition fee was being paid by Kia of XXXX, as we had purchased another vehicle from them, and the Excess Wear and Tear fee was covered and would be paid by the insurance we purchase through XXXX XXXX XXXX. 

Kia of XXXX ( XXXX XXXX, Manager ) issued check XXXX for the disposition fee of {$400.00}, which was sent to KMF on XX/XX/2019, which KFM claims was not received. On Friday, XX/XX/XXXX, Ms. XXXX advised that she was over-nighting yet another {$400.00} payment to clear the disposition fee. 

On XX/XX/XXXX, XXXX XXXX XXXX confirmed to me in writing that they had issued a check for the {$220.00} excess wear and tear under the policy we purchased. 

As of todays discussion, the collector calling claimed none of the above payments have been received, then put me on hold to check into it. At least twice the phone was picked up and when I said hello, it was placed back on hold. After about 15 minutes on hold, the phone line went dead. 

I have attached documents from the parties that indicate they have fulfilled their obligation to me and sent these payments to KMF. Therefore, once KMF properly applies these payments, there is a XXXX  balance on the account. I have also emailed these to an email address of XXXX that was provided to me by one of the callers, which means you have this information in your files, yet continue to receive harassing calls. 

It is imperative that KMF update their records and show that I dispute having any obligation for this debt. I doubt that the problem is with Kia or XXXX or XXXX XXXX XXXX and believe Kia Motors Finance company is disorganized and the SNAFU lies in KFM so the payments can be properly applied, this will all be resolved. 

Attached is a current letter I'm sending, a copy of the check fthat was issued, a copy of which was provided to me by Kia of XXXX and a confirmation letter of payment from 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
Consumer complaint received 2019-12-26 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: LEXISNEXIS
State: AL

Complaint narrative:
XXXX XXXX XXXX is reporting my balance as {$44000.00} when it is only {$24000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: ID Analytics, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX is reporting my balance as {$44000.00} when it is only {$24000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
5 repeated calls on XX/XX/2019 from spoofed numbers within my phone exchange : XXXX XXXX XXXX XXXX XXXX XXXX repeated calls XX/XX/2019 from likely spoofed calls from local area codes : XXXX XXXX XXXX Many other instances of multiple calls per day from spoofed local numbers. A voice mail is never left

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I legally want US Bank to close my account Thanks 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
Consumer complaint received 2019-12-26 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: AL

Complaint narrative:
The following accounts are not mine : XXXX/XXXX/XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 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: AL

Complaint narrative:
The following accounts 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 explanation
Consumer complaint received 2019-12-26 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: AL

Complaint narrative:
The following accounts 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 explanation
Consumer complaint received 2019-12-26 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have spend nearly a week with XXXX  on the phone discussing incorrect information on my report. The reps barely speak English and the hold times are outrages. I have medical bills that should not be on my credit report due to me the patient had Insurance. I have been a XXXX XXXX XXXX since 26 years. Unbelievable that I have no control and they can ruin my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: NY

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX  OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2019-12-26 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: NY

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2019-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I started a refi back in late XXXX. 

Everything was going well until we got to the last part of the deal when I learn XXXX XXXX had flagged my account ( due to the refi ) and they did not pay the property taxes on time ( violation of 12 C.F.R. 1024.35 ). I have incurred late fees as a result of their actions. 

Additionally, they have delayed on every attempt I made to resolve this matter in a timely fashion, which has now compromised the lower interest rates I have locked in with the new lender. 

I've tried everything imaginable to work this out in a reasonable amount of time but as of this moment all I can get from them is a very basic email saying they will pay the taxes BUT nothing on when they will have it done and very limited movement on them working this out. 

The money was in my escrow account and I have not been late with any payments. 

I'm a XXXX Veteran on a very tight budget so the lower interest rate would help my livelihood. 

I do not understand why or how this could happen as I'm now stuck waiting and hoping things will get righted. 

Anything you can do to assist is appreciated. Time is of the essence and I understand I risk losing the deal and some financial hardship however I would not want any other Veterans to have to go through what I've endured these past few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: NY

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX   ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER FROM XXXX, EXPERIAN OR XXXX,. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2019-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I requested for an audit of my student loans but the servicer refused to honor my request. I believe the balance is not accurate and the issue started with a previous servicer XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: NY

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX   ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER FROM XXXX, XXXX  OR TRANSUNION,. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2019-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Navient misdirected me into student loan forbearance yet ignored my best interests in violation of its government contract to prevent me from moving to XXXX ( the student loan servicer that administers the Public Service Loan Forgiveness program ), so that Navient could continue to earn fees. For my loans to be in forbearance they accumulate thousands of charges each month making it nearly impossible to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In early XXXX American Express closed all of my personal and business credit and charge cards with out notice. This not only left me without being able to get gas or groceries but effected my business as I had several business cards with American Express. They acted with disregard for my business and the several cards I held with them. I charged thousands each month on each of the cards and they were my primary card issuer I utilized. They were not commercially reasonable in their closure of my accounts and did not refund the annual fees I had paid, some a mere month ago. I reached out to American Express on multiple occasions and received no information regarding the closure of my accounts. My points were forfeited and earlier in the summer I had approx. XXXX American Express Membership Reward Points " clawed back '' with out specific reasoning. There practices are not consumer friendly and leave me and my business in the dark in regard to my " violations ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am dealing with a XXXX diagnosis and I am not able to get thu on the phone recording because it is automatic and it keeps saying the same thing over and over so I can not get a report, or know if I am doing this right.

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