vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am in the process of trying to refinance my home with my current finance company to lower my payment and possibly lower term of loan. 

On Monday XX/XX/2019 I contacted the three credit bureaus to get the global freeze lifted for five days in order for my fianc company can run credit reports. I did not have any issues with XXXX or XXXX. 

After serval attempts I was finally able to get in contact with Equifax. After explaining to the CSR what I was calling for, I was asked for a few security questions. I answered the question, but was unable to give the Exact date that my bankruptcy over five years ago took affect. I explain to the CSR that I have been in a major car accident and have short-term memory loss due to an injury. I was unable to give her the exact date and I was told that she would not lift the freeze. I questioned Why she never bothered to ask for my six digit pin code, I never received an answer. I was transferred to a supervisor his ID # XXXX I was asked to send a copy of my Social Security card and my drivers license number to them. I told them they should have all the information they need and I was willing to give my six digit code but he would not except my code. He refused to release the lift on my credit although I told him Im trying to refinance get my house no lower due to the fact I am XXXX now, he still refused without my sending copies of my Social Security card and my drivers license to them. I refuse to send a copy of my license and my Social Security card to a complete strangers that I could hardly understand due to their Accent At this time I am still unable to get them to release my global left and I am having difficulty refinancing my house due to this issue. I do not understand why they would need a copy of my drivers license and my Social Security card which is basically given him all of my identity just to get them to lift a global freeze on my account, after all the other credit bureau companies Never requested copies of my social security card and my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Several fraudulent inquiries and derogatory items on 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 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Outsource Services, Inc. d/b/a National Acceptance Company
State: NY

Complaint narrative:
I joined a gym membership, signed and paid for the 16 week program in XXXX and paid upfront in full, with the option to cancel after the 16 weeks.

Once I completed the 16 week program, the gym owner gave us the instructions from the company who sponsored it on how to cancel. Which I followed exactly as instructed. 
You had to attend 3 classes per week and log the classes in on the planner app, which I did. Then you had to send a certified letter advising the National Acceptance Company, who apprently is the 3rd party billing company that you are cancelling the contract membership. I sent the certified letter, with a copy of my print of the classes attending to show proof of the required 3xweek attenandce record. 
They then called me in XXXX to tell me I owed them {$2.00} as a verification fee or entry fee. Which I did not pay. 
Now I am being billed for the full gym memebership and if I dont pay they are going to put me into collection and ruin my credit. 
They are bullying me, I have called and was told I can not pay this {$2.00} now, and I have to start the cancel process all over again and pay the past due amount of now {$190.00}. How can they justify this kind of fraud. 
This is ethically unjust and I feel like they are holding my credit hostage. 
How is this allowed to continue? How are they allowed to hide behind this 3rd party billing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I paid a collection count in Full with Conns Home plus LLC They started stating on my credit report did not pay account in full I made a settlement offer. I filed a complaint with the XXXX  they rectified the situation and sent me a copy of my contract stamped paid full. Recently I noticed they are once again reporting settled for less than {$2000.00} of what I paid {$3100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Approximately 2 months ago, an online profile was set up with USAA, both for my father ( a veteran ) and myself. The account setup was successful, and a deal was made at my local XXXX dealer. The dealer asked me to call USAA to get the loan process started, and I was informed that my account was blocked and USAA reserved the right to do business with me. My husband and I were concerned, becuase we have strong credit scores and have never been refused credit before. We came home and checked our credit reports, which were in order. The next several days were spent on the phone with various departments of USAA, no one had an explanation, except to say that fraud was suspected and that I should write to the legal department, which I did. An investigator from the fraud department was in touch, and after his investigation, he held that USAA refused to do business with myself and/or my father, no explanation would be given. I believe as a financial consumer, I have the right to know why I was denied an opportunity to apply for credit. Also, no written notification was given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: FL

Complaint narrative:
On XX/XX/2019, XX/XX/2019 and XX/XX/2019, I sent certified letters to TransUnion ( copies with proof of delivery attached ) requesting the removal of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, which are debt collectors, not creditors. I have never received any credit from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. To date, TransUnion continues to report these accounts without conducting a reasonable investigation and providing proof of the debt to me. I requested proof of the debt from TransUnion according to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I have not received validation of any of these accounts. I don't know how TransUnion can continue to report a collection trade line without evidence of the debt. TransUnion 's actions are hindering me from obtaining a mortgage to purchase a home.

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 2019-10-21 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: Happy Money, Inc.
State: IL

Complaint narrative:
I filed a dispute with XXXX about my credit report reflecting erroneous data. I received a loan from a company called Payoff. This loan was paid off in XXXX. This company has been reporting my loan as delinquent for the past 2 months when I paid it off in XXXX. I filed a dispute with the credit bureaus and the report was updated for everyone except XXXX. My XXXX report reflects the account is currently charged off with a past due balance of {$1400.00} and there is no close date. I deserve to have my credit report accurately reflect the correct status for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
This is regarding Navient. I also had a situation where upon completing medical school, I would have to annually set up my IBR and reapply for it. Every time I called them, I would be pushed by representatives to push my loans into forbearance. I am out and refinanced my loan since I didn't trust this lender. It was also very difficult to reach anyone regarding loans. I recall asking for sincere advice and now in retrospect, they acted to keep all loans going as long as possible. It was a horrible experience and I am so happy that this is being taken care of by the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I contacted United Collection , Inc. asking them for debt validation of the account as I never received any bills prior this debt hitting my credit report, the debt is in the sum of {$210.00}. 

I received a bill for {$320.00} on XX/XX/XXXX which is {$110.00} difference, and it didn't validate the debt their claiming I owe, it only raised further concerns as it shows two different amounts, one for  {$320.00} and another for {$210.00} I reached back out to United Collection , Inc. to ask for more details and validation of this debt. I was told there are now two different debts, one for {$210.00} was for a hospital visit in XX/XX/XXXX and the other was for another hospital visit on XX/XX/XXXX. I explained to the rep I had no problem paying the debt if they can validate the debts. The rep stated the hospital visit were at XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, NV and this is the physicians portion and even knew the treatments and service performed. 

They have violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form authorizing United Collection , Inc. to have access to my patient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: IL

Complaint narrative:
Several fraudulent inquiries and derogatory items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom it May Concern, My complaint has to do with Citi Cards Visa Costco membership Visa card. 
My card was denied this last Saturday ( XX/XX/2019 ) when I went to make a purchase at Costco. I called and the automated attendant indicated my account was past due. I called this morning and payed the amount due over the phone using my routing and account numbers. Then I asked to speak with a person to find out how this happened. 

The person indicated that I missed two payments. They then told me I was enrolled in paperless statements back in XXXX, which I would have never done because I have a bookkeeper that pays my bills and I like to give them the paper statements. When I asked why I didnt receive by paperless bill, they said I didnt enter an email address. Then I asked why they didnt contact me when they had no where to send my bill and they said that regardless if I get a statement or not, it is my responsibility to send a payment. Why would someone enroll in paperless billing and not enter an email address?!!! They said its all automated. Whatever that means. 

Then I asked if they reported this to the credit reporting agencies and they said they did. This is the issue! I take good care to keep my credit rating high, so I asked if they could retract the notification to the credit agencies and they said they couldnt and I would have to contact all the reporting agencies and appeal it myself. I pay my credit cards in full every month and Citi knows this as I have never missed a payment or carried a balance. 

There is push right now to make everyone go paperless. Im older and I dont want to go paperless. This has happened with another one of my accounts as well ( a car lease ). I believe there is a push by all companies to not send out bills anymore. I believe a somewhat deceptive practice is going on when you log on to their websites that forces you into paperless unless you opt out, rather than a deliberate opting in. When the mistake is theirs, or at least substantially on their end, I find it onerous on the part of the customer to have to track down all the reporting agencies, then make an appeal, that in the end may be denied. If the companies can report a missed payment, but the mistake is on their end, why cant they retract the credit reporting company notifications. 

Ultimately, I would like Citi to retract their credit reporting agency notification that I dont pay my bills on time. Please advise. 

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 2019-10-21 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: TX

Complaint narrative:
On several occasions I have made the Credit Reporting Agencies aware that they were reporting information inaccurately and each time I receive that the account has been verified but the date of last activity on the account remains the same. If they are in fact verifying this information is correct and reporting accurately, please provide me with the method of verification to include, date, with whom you spoke and what information was sent to verify this account. Also these accounts have been re-aged so that they remain on my report longer than they should be. 

XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: TX

Complaint narrative:
On several occasions I have made the Credit Reporting Agencies aware that they were reporting information inaccurately and each time I receive that the account has been verified but the date of last activity on the account remains the same. If they are in fact verifying this information is correct and reporting accurately, please provide me with the method of verification to include, date, with whom you spoke and what information was sent to verify this account. Also these accounts have been re-aged so that they remain on my report longer than they should be. 

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 non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Total Card, Inc.
State: IL

Complaint narrative:
I asked to have the program fee waived and I needed this card for my new job. It seems like my request is being ignored.

I received the Total Card Visa in the mail. I called to see if the program fee could be waived. When it could not be waived I tried to pay it via my checking account and a debit card. I was told that if I pay the remainder via debit card my account would be opened. My cousin tried to help me out with that and I was given a different date as to when the card would be activated. I have cold corporate several times to complain about this. Whenever I'm transferred over to the presidential line, it goes straight to voicemail. I have not had anyone contact me except for one time. The way I see it this be should be waived because of all of the crap I've had to endure trying to get this one issue resolved. And the way I see it, I shouldn't even have to pay my first month minimum payment because of this mess. I feel like my issue is just as important, and I shouldn't have to wait days for someone to get back to me only to tell me they can't wave it when I know that there is a way you can do it. The program fee is {$89.00} of which I've paid 30. And this is not even money of mine this is money that belongs to my cousin that I have to pay back. I don't like the  miscommunication that I've been given and I feel like I should have this card activated because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Identity theft victim

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 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
I opened an account with TCF bank, I enrolled with 2 deposits. The only correspondence I received from them was an email stating my new debit card was on the way.

Today I went in to make another deposit, and they told me my account was frozen. Apparently I need an in-state ID to open an account, something I wasn't told when I initially opened my account and they took my deposits and information.

Because I'm visiting family, I don't have utility bills in my name, even though the check I wanted to deposit ( and the check I deposited earlier ) have my EXACT name and address. I guess that doesn't count.

I was treated extremely rudely by the teller at this bank, and also told I won't be able to withdraw my funds for almost 2 weeks, even though the bank decided to close my account!

There are no other flags with my name, or previous fraud or problems that would account for this behavior.

This has been a complete waste of my time and it seems unethical and illegal to keep my funds when TCF made the decision to close my account. Why was I allowed to open an account when these are your practices and you didn't disclose them from the beginning?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Scott Fetzer Financial Group Inc.
State: WA

Complaint narrative:
My complaint against UCFS is they are refusing to freeze loans or offer loan forgiveness to people who are invloved in the case study for the XXXX XXXX dispensers. This lender does not consider consumer rights. UCFS did not do their due diligence in determining that these dispensers are extremely unstable, or tested properly and do not last the life of the loan. Filters are required which were never stated to be required causing health hazards ( mold poisoning ). They are not available nor mentioned in the manual. The product is falsely advertised to produce 5-9ppm hydrogen for the Elite X machine, when in fact in produces only 2pm h2. I question whether UCFS knew that one of the of the owners of XXXX has fraud charges pending against him in another business. These machines are nothing more than malfunctioning water coolers and they were never tested properly in the US. There is no recourse from XXXX. An article from XXXX describing XXXX 's ponzi scam case study of these H2 machines explain that participants are not being compensated for the loan payments due every month to UCFS. Knowing that XXXX is under investigation and ripping people off UCFS is not answering our complaints. Other loan institutions are forgiving these loans but UCFS wont answer to this matter. Its been going on since XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see below INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized EQUIFAX MORTGAGE XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation