vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/2019 I called TransUnion about cancelling my account. As far as I understood we took care of it. It is now XX/XX/2019 and I was checking the charges TransUnion charged me for their services because I was taking care of some fraudulent activity on my credit. I noticed that they continued charging me {$11.00} up to XX/XX/2019. When I called them on the phone about it, they told me that perhaps I had an offline account. So they checked and that was the case. I was not aware of having more than one account. No one ever mentioned to me anything about offline accounts. I didn't open an offline account. I did not even know what that was so I had to ask about it. So I don't know how I ended up having an offline 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 monetary relief
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This is my last attempt to rectify this situation with Captial One before seeking legal action. I have disputed this information numerous times also sending a FTC affidavit to the credit reporting agencies with my dispute and in return i receive this pre-made response stating " VERIFIED ''. I have reached out to Capital one concerning these accounts and no one could find the accounts. My name and address does not match any information in your system nor have I called capital one to give any of my personal information to anyone at Capital one including demographic information. Credit reporting agencies do not do a thorough investigation. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am a nevada  resident and have been for over 10 yrs. I am requesting a credit agreement with my signature, a signed application, proof that I was the one who agreed to open the accounts, I want to know how was the account opened was it online or in person, I want to know was there a utility bill of some sort sent in for verification, was there a passport or id sent in both are acceptable for verification. The burden of proof is not on the consumer if the consumer did not open the account. The consumer will have nothing to show if the credit account is due to identity theft. The accounts that are in question walmart that shows on my credit report opened in XXXX of XXXX, a capital one that was opened in XXXX of XXXX, and a kohl card that was opened in XXXX of XXXX. I do not have a credit card number to any of the accounts so I can not give information to something I did not open nor do the credit bureau have an account number on my report at least not a full one. Do not attempt to change the address in your files to match whats in your system. My Nevada  address is solely for you to correspond with me. If capital one attempts to do so this will be considered fictitious malpractice on capital one and I will contact the Federal Trade Commission and the Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Auto will not give me credit for a {$200.00} payment I made XX/XX/2019 for my XXXX  XXXX XXXX ( lease ). Their stance is, the request for payment got returned due to insufficient funds. That statement is a true statement ; however, on the same day, XX/XX/2019, my credit union, XXXX  XXXX XXXX XXXX paid them {$200.00} out my account for a scheduled online payment. This was the first of two transactions Ally Auto made on my account that day. My credit union has validated that there were two transactions made by Ally Auto on XX/XX/2019. One was successful, and one was not. I did not schedule for another transaction. That is why the second transaction did not go through. I have attached my bank statements that will reflect the two transactions. Again, one was a pay-out of {$200.00} and the other request was returned due to insufficient funds, which I was charged a {$31.00} overdraft fee.

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 2019-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
Account was closed on XX/XX/19 when only action I took was due to what their support told me to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: CA

Complaint narrative:
The information is the result of identity theft and should remove it from 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 2019-11-23 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
This is my last attempt to rectify this situation with Synchrony Bank before seeking legal action. I have disputed this information numerous times also sending a FTC affidavit to the credit reporting agencies with my dispute and in return i receive this pre-made response stating " VERIFIED ''. I have reached out to Synchrony Bank concerning these accounts and no one could find the accounts. My name and address does not match any information in your system nor have I called Synchrony Bank to give any of my personal information to anyone at Synchrony Bank including demographic information. Credit reporting agencies do not do a thorough investigation. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am a nevada resident and have been for over 10 yrs. I am requesting a credit agreement with my signature, a signed application, proof that I was the one who agreed to open the accounts, I want to know how was the account opened was it online or in person, I want to know was there a utility bill of some sort sent in for verification, was there a passport or id sent in both are acceptable for verification. The burden of proof is not on the consumer if the consumer did not open the account. The consumer will have nothing to show if the credit account is due to identity theft. The accounts that are in question : XXXX  XXXX XXXX of XXXX and walmart XXXX of XXXX. I do not have a credit card number to any of the accounts so I can not give information to something I did not open nor do the credit bureau have an account number on my report at least not a full one. Do not attempt to change the address in your files to match whats in your system. My Nevada address is solely for you to correspond with me. If XXXX  XXXX attempts to do so this will be considered fictitious malpractice on XXXX  XXXX and I will contact the Federal Trade Commission and the Attorney General Office.

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 2019-11-23 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: Clarity Services
State: NV

Complaint narrative:
I have sent my FTC affidavit to these companies so they can remove the erroneous information that they report to the credit reporting agencies also I sent in a request not to release any of my personal information to any of the credit reporting agencies no limited to but XXXX, XXXX, and XXXX. These 3rd party companies are still refusing to freeze and or remove information on my file even after sending my FTC affidavit. This is my final attempt to rectify this situation before seeking legal action. I am a nevada resident and I did not file bankruptcy nor do the accounts whom are on my credit belongs to me which are under a bankruptcy. The information Clarity Services and XXXX are not of mine. Obviously someone with a similar name but different demographic information is getting mixed up with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The bankruptcy reported in equifax is the result of identity theft and should remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: LEXISNEXIS
State: NV

Complaint narrative:
I have sent my FTC affidavit to these companies so they can remove the erroneous information that they report to the credit reporting agencies also I sent in a request not to release any of my personal information to any of the credit reporting agencies no limited to but XXXX, XXXX, and XXXX. These 3rd party companies are still refusing to freeze and or remove information on my file even after sending my FTC affidavit. This is my final attempt to rectify this situation before seeking legal action. I am a nevada resident and I did not file bankruptcy nor do the accounts whom are on my credit belongs to me which are under a bankruptcy. The information XXXX XXXX and LexisNexis are not of mine. Obviously someone with a similar name but different demographic information is getting mixed up with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: AES/PHEAA
State: CT

Complaint narrative:
XXXX  do not want to delete my student loans that were rehab originally I have 6 student loan that went into default but I rehab those loans but the original creditor FedLoan reopened 6 more student loans basically converted 6 students loans in 12 student loans when they should be 6 ..I need the 6 that are closed to be delete because they are the same as the open loans. In XX/XX/2019 I made a depute but no results..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I purchased a XXXX XXXX on XX/XX/XXXX from a XXXX dealer and financed it through BMW Financial Services. My first payment of {$670.00} isn't due until XX/XX/19. On XX/XX/2019 I made my first payment of {$750.00} expecting the extra amount to go towards principal reduction. Instead, the extra amount of my payment was showing as a credit towards my next payment. I called BMW for  an explanation and she said that it does go towards my principal reduction. I don't understand how it will go towards my principal reduction AND be a credit towards my next payment ... that doesn't make sense they would give me a double credit for that amount. That doesn't help pay down the loan and reduce my interest cost, but it helps BMW though. 
On XX/XX/19, ( first payment not yet due but still made ), I made an additional " other '' payment ( from the BMW drop down payment menu ) of {$540.00}. After this principal reduction posted, I noticed that {$470.00} went towards principal reduction but they applied {$69.00} towards INTEREST. I called again and they told me that interest still accrues daily on the loan and that was the charge. The daily interest is part of the monthly payment which I already pre-paid. So now BMW is charging me interest for the month with my regular monthly payments AND charging it AGAIN when I make a principal reduction. I don't understand how I can pay off my loan sooner and save interest. If I continue to pay extra on my loan the way BMW is charging me, I will wind up making all my payments with interest plus additional interest on my extra principal reduction payments. I'm being penalized for trying to reduce my interest cost. How can they charge interest for the principal reduction when the next loan payment isn't due until the end of XXXX now. 
As a result of this unfair practice, I have started the process of refinancing this XXXX  loan with my credit union that I have financed vehicles with in the past ( and applies my full principal reductions the correct way ). However, with this new loan last month from BMW, and the credit inquiry from BMW and with my trade in being paid off, my credit score has dropped enough where my interest rate on my new refinance loan will be 4.58 % which is higher that my 3.99 % rate with BMW. It is not fair that I have to refinance to get away from BMW 's unfair lending and pay a higher rate because of THEIR actions. This isn't right. I didn't do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: CT

Complaint narrative:
TransUnion do not want to delete my student loans that were rehab originally I have 6 student loan that went into default but I rehab those loans but the original creditor XXXX reopened 6 more student loans basically converted 6 students loans in 12 student loans when they should be 6 ..I need the 6 that are closed to be delete because they are the same as the open loans. In XX/XX/2019 I made a depute but no 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 2019-11-23 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: CT

Complaint narrative:
XXXX do not want to delete my student loans that were rehab originally I have 6 student loan that went into default but I rehab those loans but the original creditor XXXX reopened 6 more student loans basically converted 6 students loans in 12 student loans when they should be 6 ..I need the 6 that are closed to be delete because they are the same as the open loans. In XX/XX/2019 I made a depute but no results..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
I am a XXXX veteran with a XXXX XXXX XXXX  XXXX XXXX. My name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. I was just hospitalized again and I am in dire straights. USAA/XXXX  XXXX, and XXXX XXXX  are threatening to cancel, repossess and/or foreclose on me. Please help me. My cell number is 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 2019-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
XX/XX/18 I have two Money request one is {$15.00} and the other is {$35.00} from paypal. But I dont have PayPal it was sent to my email and I was charged for those 2 payments from PayPal I see that the email that i got charged from is from another country Im not sure how they did all this they went in to my email and they requested money from their other account to my account I also got a notification saying unusual log in but I didnt think much of it at the moment tell I checked my email yesterday at night and I was to late to contact you guys I just want my {$50.00} dollars back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is in fact causing injury to not only my well being but to new credit. I am not able to acquire new credit based on the false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: UT

Complaint narrative:
I just closed on a refinance of my mortgage. I asked New American Funding several times during the process whether or not they would be the ones servicing my loan. In fact, the first time I spoke with them, they mentioned the fact that they service their own mortgages and do not sell them. This was one of the main reasons I refinanced with them. The paperwork seemed to also state that they would be servicing the loan and I could fine no clause that said it could be transferred. 

Less than 1 month after funding, I accidentally found out my mortgage was transferred to another bank. I still have not received any notice from either bank that it was going to be or has been transferred. 

I feel I was lied to. A company should not be able to tell borrowers that they will not sell their mortgage and then sell it less than a month after funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is in fact causing injury to not only my well being but to new credit. I am not able to acquire new credit based on the false invalidated claims.

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 2019-11-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is in fact causing injury to not only my well being but to new credit. I am not able to acquire new credit based on the false invalidated claims.

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 2019-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Today at XXXX XXXX I received a call from Sunrise Credit Services, with regards to an outstanding balance with XXXX XXXX XXXX that I am disputing. However the collector that contacted me only verified my name before releasing information about the debt, and only after releasing said information did he attempt to verify my identity by other than my first and last name.

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