vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: GreenSky, LLC
State: OK

Complaint narrative:
I am engaging the CFPB to report that Greensky, XXXX XXXX XXXX, XXXX Ga XXXX is facilitating lines of credit to XXXX dba XXXX in XXXX XXXX, OK. In XX/XX/2018, I secured financing via Greensky for the installation of a new driveway. Unfortunately, the quality of work was not satisfactory. I financed {$12000.00}. 
I filed a dispute with Greensky on XX/XX/2018. The representative disclosed that they would be limited on the request for quality of work. However, XXXX at XXXX dba XXXX did have an individual complete some additional work. Unfortunately, this was not to standard as of to date the drive is chipping and the series of other problems can not be resolved unless the drive is torn up and new concrete is poured an properly finished. 
Greensky did follow up on XX/XX/18. However, there has been no additional efforts by XXXX for resolution. I am asking Greensky to evaluate their support to extend credit to a business who is taking advantage of individuals with sub-par work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My son 's address appears on my report. 
ie : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX. XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX   PA, The above addresss do not belong to me. Please remove from my report. 
Hopefully my son 's credit score is not mixed with mine. Please investigate and make sure my SS is not confused with his.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I recently disputed this charge via credit bureau. this charge was covered by Medicaid and was signed for by my ex husband. Not me I am not responsible for this debt. Commonwealth financial fraudulently purchased this as a debt. It had already been paid for. The original debtor ( the hospital ) doesnt even show this debt. They do not even have any personal identifier such as social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendUp Loans LLC
State: WY

Complaint narrative:
A full payment was made but I only wanted the regular monthly payment! I called and said I could not afford that! They refused to reverse the debit payment! So I called my bank and opened a dispute then they credited the money and only took the monthly payment out to them! Then I just received a letter I lost the dispute and it will be pulled back out on XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have an American Express Bluebird account which I make deposits into and essentially use a debit card to make transactions. There have been quite a few instances that I simply can not file a dispute of transactions. Bluebird states that if you send in a written notice of a disputed transaction that it will be addressed. I did just that and never heard back from Bluebird about my fraudlent transaction.

There is no way to access fair dispute processes with Bluebird at all in addition to there not ever being a live human to speak with about concerns.

Once again I had to close down my card and reorder a new one because of a lost card, however I can not speak to a live person and there is no formal process of filing a dispute that will be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX  XXXX  XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 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: OH

Complaint narrative:
I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX XXXX  XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Cell phone bill settled when phone was returned to XXXX office. Receipt was given to me account closed and Dlversified Consultants bought the account from XXXX since about 17 months ago. Finally XXXX removed it from their system but XXXX  did not. Want it resolved as soon as possible so that my credit report can be accurate. Disputed it with XXXX XXXX andXXXX foundXXXX it was unfounded. Need to have XXXX  to remove it as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 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: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I am filling a complaint false information being reported on my credit report that dont belong to me these items are being reported twice on my credit report I never been here false information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: U.S. BANCORP
State: WY

Complaint narrative:
A full payment was made but I only wanted the regular monthly payment! I called and said I could not afford that! They refused to reverse the debit payment! So I called my bank and opened a dispute then they credited the money and only took the monthly payment out to them! Then I just received a letter I lost the dispute and it will be pulled back out on 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 2018-09-28 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:
Closed XXXX account in XX/XX/XXXX. XXXX closed the account but did not notify me of {$10.00} outstanding, which then ballooned to almost {$200.00} by XX/XX/XXXX, but I was not notified of the balance because I had closed the account. I discovered it in XX/XX/XXXX from my credit report and paid immediately but it has seriously damaged my credit score since, due to XXXX negligence. I disputed with Experian in XX/XX/XXXX and the companys response was to remove the note saying that I closed the card in XX/XX/XXXX and only show the overdue amounts accumulating until that XXXX. XXXX made a nearly 2000 % profit in 7 months by defrauding me and has done long term damage to my credit, all for a {$10.00} charge which is clearly within my means and which I would have gladly paid had I been notified.

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 2018-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
The Company in question is XXXX XXXX XXXXwho garnished {$180.00} from each of my weekly payroll. They claim until the amount of {$3000.00} is paid for judgement against me in XX/XX/XXXX for a debt bought from Santander for a delinquent auto lien on a repossessed vehicle. The garnishment took place on the payroll of XX/XX/XXXX and the XX/XX/XXXX. The problem is this debt was legally settled through another collection agency XXXX XXXX & XXXX on XX/XX/XXXX. I was contacted on XX/XX/XXXX by my parents that XXXX XXXX & XXXX called in reference the delinquent auto account from Santander. The reference number is XXXX and account # XXXX. They advised it was a attempt to collect a debt from Santander and gave me three options to settle. The settlement options I believe were a 12 month payoff of {$5000.00}, a XXXX payoff for 6 months, or to pay off immmediately for {$1000.00}. I agreed to settle for {$1000.00} and under contract they gave me until the XX/XX/XXXX to pay it in full. On the XX/XX/XXXX I noticed I was garnished for {$180.00} by another agency XXXX XXXX XX/XX/XXXXin referecnce the same debt. I was furious and notified XXXX XXXX $ XXXX in referecnce the garnish and they stated that Santander have used another creditor in addition to them. I said that breaches our contracted agreement and asked will this end the garnishment that came after we agreed to settle. I was advised it takes 60 days before it clears through all the credit bureas so I paid {$820.00} which they agreed upon due to the {$180.00} garnishment applied for the same debt. Even after paying I was garnished again on the XX/XX/XXXX so I tracked down the contact for XXXX XXXX XXXX XXXX XXXX and XXXX. He is claiming the two firms do not know each other and he will not accept the letter of settlement I sent him, because he owns the delinquent account bough from Santander. XXXX XXXX XXXX claim the same account and instead of garnishment opted for settlement. Somone is a fraud but both to have claim legal right to the account. I am now being garnished for the settled debt by XXXX XXXX. Now XXXX XXXX is rollingback on the settlement and refunding the money but I am still being garnished by XXXX. I am not at fault here I paid the debt under legal terms. Both claim ownership on their own terms, but stated to be lawful. I am caught in between for a debt contracturally settled. XXXX XXXX and XXXX have grievance against Santander for double selling the debt contract not with me. I did not agree to accept a refund for this legally settled debt, I am no longer liable. I need XXXX to cease garnishment and pursue Santander or XXXX XXXX for settlement. I am not paying twice for the same account and XXXX now is trying to charge me more than what I had already settled for. 

Contacts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Case # XXXX XXXX XXXX XXXX XXXX & XXXX XXXX   ext. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I deposited a insurance check into my account in XX/XX/XXXX. Regions notified me they were going to hold the check for 3o days but they had already received the funds from my insurance company. Regions charged my bank account an excess of over 1000.00 in  overdraft fees because the check didn't have the signature of the company that did the repairs on my car. The repair company tried to have them release the funds but they wouldn't. I paid the automobile repair company then had to have them credit my account because regions wouldn't release there money that has already been cleared from my insurance Co. Bank.

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 2018-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Date reported- XX/XX/2018 Charge off amount- {$530.00} Lost my job so wasn't able to make my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
On XX/XX/2018, I requested a forbearance from my loaner Navient across all of my 3 loans with a total of {$150.00}. A week later I was notified on XX/XX/2018  my payment was reversed due to not being able to locate my account. I immediately called first thing XX/XX/XXXX and resubmitted my payment with the same account information. The payment was then credited to my account as expected but the following day on XX/XX/XXXX I received an email regarding my loan not being paid. I called Navient again that morning and was told the amount I paid for forbearance was not applied to my account properly and would need to be read the disclosure again. Following the disclosure I was told the loans were in forbearance. Later on XX/XX/XXXX I recieved another email regarding my loans. I called Navient again and was told my payment was not applied properly a third time. I was read the disclosure and assured my loan was in forbearance. Today XX/XX/XXXX I received another email regarding my loan and when I checked my loan accounts, they are in fact still not in forbearance. I have proof of my payment through bank statements and will call once again tomorrow XX/XX/XXXX. This is outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am a victim of credit card fraud by a person and by the citibank credit card company as well. I worked at XXXX full time during the hours that I believe my phone along with my credit card was stolen from my locker and used. I worked at XXXX during this time from the hours of XXXX XXXX  - XXXX XXXXXXXX ( Monday-Friday ) for about 2 months starting from XX/XX/2018 - XX/XX/XXXX or so. I WAS WORKING from XXXX - XXXX XXXX  on this friday XX/XX/2018. At XXXX A person used my phone at an XXXX XXXX   in XXXX XXXX to call my credit card company and FAILED my security word which is XXXX. the credit card company then issued a text and the person verified it was me. Im not sure why they didnt verifiy me based off the favorite snack word. and if a person failed it then they should have NEVER been allowed to use my card. Bear in mind it takes about 1 hour to drive from XXXX to XXXX XXXX and 1 hour to drive back and I did NOT leave work that day during the time of XXXX I took a 15 min break with many of the employees at the XXXX XXXX. In addition to this when I finished my work shift at XXXX XXXX I noticed my phone moved from my locker and my wallet felt lighter. I looked online and saw the charge for 12000+ dollars at an XXXX XXXX I HAVE NEVER BEEN TO AN XXXX XXXX IN MY LIFETIME. and I own an android phone. I called XX/XX/2018 at  a later time maybe around XXXX XXXX and used the correct security word ( XXXX ) to verify it was me and explained it was not me who used the card. Lastly for some strange reason the credit card investigators are saying that they verified my voice to the fraudsters voice I guarantee you thats IMPOSSIBLE please look into this investigation Citibank credit card company is a total fraud and I want my money back and I will NEVER pay 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 2018-09-28 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: OH

Complaint narrative:
I'm XX/XX/XXXXI tried to buy a car and was told I had an account in collection/charged off. After reviewing my report I contacted the collection agency and they told me there was an account with XXXX XXXX opened on XX/XX/XXXX that I defaulted on. I did open an account on XX/XX/XXXX with them when I consigned for my daughter 's car but did not sign anything on XX/XX/XXXX. O was actually under the care of a doctor that day and couldn't have possibly been there to agree to another account for a car. After explaining this to the collection rep, they suggested paying it anyway to get it removed. There's no way I am going to pay something not mine so I declined. I was lucky enough to get the dealer to empathize with me and get me into a car anyway however this has been making it difficult to get any financing that isn't accompanied by inflated interest! If disputed it numerous times with all credit bureaus only to have it come back verified so I requested a reinvestigation and included the signage pages from the account I signed and from the one I received from the company after request. It's very obvious it is not my signature yet they continue to report it. I am now to the point of seeking legal advice.

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 2018-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC
State: UT

Complaint narrative:
XX/XX/2018 XX/XX/2018 {$0.00} {$81.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$81.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$84.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$87.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$5.00} {$87.00} {$25000.00} XXXX Payments are supposed to be Interest only currently and they magically start varying even after a 31 day month. They are improperly calculating interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hello, Im working with a client of mine to rebuild her home that was lost in the XXXX Fire in XX/XX/XXXX. We summited all details to XXXX XXXX   in XX/XX/XXXX and since that date we keep getting the run around. 
We summited to rebuild a manufactured home, we have been told that corp approvals take 7-10 business days, 5 months later and 15+ calls same answer. 
Just last month we where asked to begin to talk to a man named XXXX. Since last month nothing has happned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX IN THE AMOUNT OF {$1600.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX   XXXX  IN THE AMOUNT OF {$410.00} XXXX   XXXX IN THE AMOUNT OF {$830.00} XXXX XXXX IN THE AMOUNT OF {$270.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.

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