vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 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: TX

Complaint narrative:
SOMEONE OPENED A PAYDAY LOAN UNDER MY INFORMATION ONLINE ... I DONT KNOW WHEN OR HOWS MUCH, BUT IT IS ON MY CREDIT REPORTS.. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: KY

Complaint narrative:
On XX/XX/2019, I was charged twice for an auto loan payment. The merchant, ( XXXX ) refunded and canceled the payment back onto the prepaid card that day. Upon further waiting on the refund, I called XX/XX/2019 and the prepaid card company ( Card.com ) informed me that I would need to wait 3-7 business days for the funds to be applied back to the card. I was also informed if I wanted the funds sooner, I would need to do A Merchant Hold Letter basically stating a reason why they need to manually override the pending transaction. I had asked to put them on hold and do a 3-way call so my auto loan representative ( XXXX ) can get the proper information to faxing what they needed. It was faxed on XX/XX/2019 approximately at XXXX XXXX. I also submitted a email receipt from the auto loan stating the cancellation of the payment and refundable amount to the card. It is now going into XX/XX/2019. I had called again that XXXX and spoke to a representative ( Card.com ) about the refund. I had asked if they received the faxed from my auto loan people and I was informed that once faxed, it would 24 to 48 hrs to do a verification and if approved, they would override and release the funds. I had called back again same day to see about the fax and approval to getting the funds released. I was informed that I would now have to wait an additional 30-90 days for the investigation to be completed. I had asked why does it need to be investigated when I all the documents where accurately sent. I was told that it was a disputing transaction or refund would be applied back to the card no later than XX/XX/2019. I told the representative ( Card.com ) that was not accurate information that I was told in the beginning. The representative ( Card.com ) continuously repeated him/herself and wasnt trying to resolve my case based on what was said at first. I was placed on hold for hours at a time, I was disrespected, they hung up on me and rudely interrupted me while explaining my concerns about the refund. I am now seeking other means to regaining the funds thru this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize the following inquiries. Please remove them :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 at around noon I went to cash a check for {$7300.00} to the Bank of America office in XXXX XXXX XXXX XXXX, CA at first the teller asked me if I had an account, since I did not she told me she could not cash it, even though it is a check from Bank of America, because the amount was too much! I asked what is the max account she told me she could not tell me. Then she called the AVP Financial Center Manager, XXXX XXXX. XXXX, who proceeded to tell me if I did not wanted to deposit my check ( assuming I open a new account ) he " would not cash it '' because it was over the amount and I should go and deposit it to my XXXX XXXX ( my wallet was open and he saw my ATM card, I know because he pointed at my wallet ) I explained once again I wanted cash it and did not wanted to deposit it, to which he replied he would not cash because it was over the amount and he did not have to tell me what the max account is. I asked him to tell me based on what BofA bylaw was he basing his decision, he just repeated he would not cash the check for me and he left. 
I dont think I should be forced to open an account in Bank of America just so I can receive payment for services I rendered. Or as the teller told me as I was picking up my documents, go to a check cashing place where I would lose what I consider a high percentage of my earnings, or wait several days to receive payments if I deposit it to my account in my Bank XXXX as Mr XXXX suggested. Either way, I lose either time or money.

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 2019-06-05 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: VA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: IN

Complaint narrative:
I received a call from XXXX informing me they had detected an application for a credit card with USBANK, and did I authorize this ... I replied NO. 

I called USBANK talked with the Fraud dept and was assured the application was cancelled. 

Some time later I received a USBANK/XXXX XXXX/XXXX Credit card. I immediately called USBANK and was told the card was in fact NOT Cancelled and was valid. 
... BUT ... USBANK would cancel the card immediately. 

Today ( XX/XX/2019 ) I received a CC statement with a charge for {$95.00} ( Annual membership fee ). I again called USBANK fraud and transferred several times ending up leaving a message with the Investigative Svcs Dept. No call back as yet.

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 2019-06-05 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: GA

Complaint narrative:
I have contacted Transunion 4 times about a hard inquiry on my credit report. They will not dispute it. I have contacted the company XXXX XXXX XXXX, XXXX IL and they sent me a email that I should submit a dispute through transunion, the only credit reporting Company that has not contacted them. It has been removed from the others but not transunion. They keep giving me the run around and telling me to do this or that. I have sent them 4 letters disputing this and I get nothing but XXXX  letters back.

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 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize the following inquiries. Please remove them :

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 2019-06-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
on my credit report shows I had a lease opened up under my name, this is not mine..I DONT WHEN OR THE AMOUNT FOR THIS LEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BBVA FINANCIAL CORPORATION
State: MS

Complaint narrative:
I got a new care in XX/XX/XXXX through BBVA compass bank. I had a car not of {$580.00} a month which I paid every month on time. I was a car accident in XX/XX/XXXX where my vehicle was totaled out by the insurance company. They paid me the total value of the car which was XXXX least than what I owed on the car. I understood that the car depreciates when it leaves off the car lot. So I was told by BBVA, which did not provide me with GAP INSURANCE, that I can just apply for another car loan thru them at the dealership, because they don't have any branches in Ms . They told me I can just put the equity onto a new loan. They also told me that until I get a new car I can pay anything on my loan, I was told I didn't have to pay the whole balance because It was no way to pay two car notes at one time. So when my car note was due I paid over half of it and they still was trying to say I was late, which I didn't understand. So when I told them someone told me I can pay less the fee, they said I had to pay what was on the contract, and they don't know why someone told you that. So then I tried to go to the car lot to get a new car and they denied me, so I didn't understand why they act as if I would get approved and then they denied me. When I called they said they don't know why I was denied and I would get a letter to explain, which I never received. All they kept saying is they don't know why because my account was always in good standing. The next thing I tried was to get a settlement, which they denied. Because at this point no one will let me get a car loan because, BBVA bank hadn't took the total balance off my credit, so it looks like I cant afford a car, because I still have a big balance with them. Then every time I call I sit on hold for 30 minutes then the operator say try your call again. It jus bad business, I just XXXX XXXX XXXX to get out the XXXX after a 4 month stay due to XXXX, and its really stressful, to not have a car, when I work and have dr. appointments. Its so tough and they have a careless attitude about what you going through and about what the last CSR, told you was incorrect. Then if you cant get them online you have to option to write them online, in which the response be some totally different then what the person say on the phone. This is the worst loan place I have ever done business with, and I just don't want no one else to get treated, like I'm not a person, but just a number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Requested credit report and bankruptcy information was on there. The case never happened so I contacted the credit bureaus and asked that the information be removed but they said that they could not do it but the courts reported this to them. I contacted the courts and they said they don't report to credit bureaus but that the credit bureaus use some sort of search that flags them whenever there is some court activity and the credit bureaus pay to use this site so they have no control over what they report or getting removed. I want the information removed from my credit reports since the bankruptcy never happened.

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 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Call many times Visit bank locations Speak with customer service The only answer is ( we could not do anything for you ) -

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 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went into a bank and opened a savings account that was supposed to protect my account from being overdrawn. Turns out, the savings account was opened only in my wifes name and so this account keeps getting overdrawn. Not only that, but I am also late on all my bills and it may impact my credit! I am requesting to please reimburse the overdraft fees, and I will go into a branch and link this account to our savings account. Also, I had requested that at any time if this account is low, to pull funds from my other account ending in XXXX. 
These are the overdraft dates XX/XX/XXXX- Overdraft XX/XX/XXXX- Returned fee ( I did not authorize a XXXX payment ) ^^ Being charged over {$60.00} fee on an item I did not even authorize to charge. 
XX/XX/XXXX- Overdraft XX/XX/XXXX-Overdraft XX/XX/XXXX-Overdraft Also, monthly fees of {$12.00} would be waved if it was linked to our savings accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I tried to get a report from Equifax and on the second page online I am for me that the website was having problems and I couldnt get my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: AR

Complaint narrative:
I have attempted to resolve this issue with Equifaxfor several months. Equifax to violate the Fair Credit Reporting Act by reporting a bankruptcy on my credit report after they have failed to provide 100 % accurate verification. Equifax has not provided who or what means of verification they received to continue to report this inaccurate information to my credit file. I spoke with the local courthouse and they informed me through letter that they did not report any information to consumer reporting agencies. This inaccurate reporting is causing a major hurdle to my current financial well being and I would like this matter resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
Received email below from MEFA : Competitive new rates We have great news. We just updated the details of our college loans for the XXXX academic year, and they include low, competitive interest rates to help you finance college costs. If you need to borrow a loan to pay for college, take advantage of the many benefits of MEFA Loans, including : Fixed interest rates starting at 3.95 % ( APR* 3.957.30 % ) No origination or application fee Multiple repayment options An easy, online application Visit our website to learn the important details and to apply. 

When I applied I was offered 4.4 % and my credit score is XXXX with XXXX   and XXXX with FICO. If I do not qualify for the low low rate, who does? They should have to disclose that applicants with a credit rating of 845  or higher receives the lowest rate or something like that. I think this is a classic bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: TX

Complaint narrative:
I sent all the paperwork that the credit bureaus ask for to remove the accounts and nothing has happen

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 2019-06-05 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a balance amount of {$720.00} on the XXXX partial account number XXXX. This account has been paid. ( Please see page 8 of the attached credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

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 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX

Complaint narrative:
I keep getting calls from XXXX. When I answer they ask me for my social, date of birth, and address. I refuse to give them my personal information, so I was told there would be legal action against. I have never received any letters from this company, before these calls. Its a lot of scamming going for on. I tried calling back, but they still wanted all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
Harris & Harris attorneys keep calling every day. We do not have any outstanding debt. These are robocalls. Their number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: TX

Complaint narrative:
SOMEONE HAS USED MY INFO. TO OPEN A ACCOUNT WITH THIS COMPANY ( XXXX XXXX XXXX XXXX ) THIS IS NOT MY LOAN .. PLEASE HELP

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 2019-06-05 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
SOMEONE GOT A LOAN FROM THIS CO. USING SS # & INFO .... THERE ARE THOUSANDS OF XXXX XXXX IN TEXAS MUCH LESS THE WORLD ... PLEASE HELP! THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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:
Equifax and XXXX  are reporting incorrectly a balance amount of {$720.00} on the XXXX partial account number XXXX. This account has been paid. ( Please see page XXXX of the attached credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation