vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Around XX/XX/XXXX I noticed two strange looking charges in my statement. 
Thus I stop card and ordered investigation. 
Later I received letter that everything is OK and I don't have to worry because I have zero liability. In beginning of XXXX this year I closed my account paid in full. Right in the day of payment ( XXXX ) Capital One posted that amount back to my account, ( due date was XXXX ). I called them back, they assured me that this amount {$32.00} will be removed ( and I saw in online, I can provide the screenshots ). But soon as I hung my phone, they post those charges back. 
After that I made numerous phone calls, and company workers were lying to me ( every time - new version ), about what's going on. When I had to order fraud dept, they use to put me on hold and hung up on me. 
I have all screenshots and dates/names of situation. Charges does not exist, charges appears, disappears, being in process of removing and appears again. I thing that company Capital One uses this dirty practice to steal couple dollars from me as a late fees, as they tried in XXXX. 
Anyway, please protect me from this swindlers, and protect another Americans from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: AZ

Complaint narrative:
I don't understand how the Bureaus can all have different information, its so frustrating-they should all report the same information-one dispute for all.I am hoping to buy a home and this is hindering it for me and my family. These companies don't listen to the consumer and have way to much power over a persons life. Experian has 4 collections showing open accurate from XXXX XXXX for me in the amounts of {$120.00}, {$120.00}, {$110.00} and {$120.00}. I have disputed these twice. XXXX  and XXXX  have these same 4 accounts as closed. I think these should also be closed on my Experian 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 2020-01-13 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: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I'm trying to buy house, but i can not, because of my credit. 
i paid my accounts.

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 2020-01-13 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: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I'm trying to buy house, but i can not, because of my credit. 
i paid my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Got a return payment from a company because the original card form of payment I used wasnt available any more when I went to the back the teller discriminated against me and didnt want to give me my money when I called the bank they said my money was available and there was no issue they said it was the teller discretion then they called me a couple days later to close my 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 explanation
Consumer complaint received 2020-01-13 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY ME.

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 2020-01-13 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
On XX/XX/2020, I met with my financial coach and she informed me that my balance was different from what the credit reporting agency notated. She explained that the credit bureaus can take up to 30-60 days to update the information. I called the bureaus to update the  balance and have not gotten a response from the credit bureau. This is my second dispute against Transunion.

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 2020-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In XX/XX/XXXX I applied for public service loan forgiveness. I have worked for a XXXX   XXXX since I received my XXXX from XXXX University in XX/XX/XXXX. On XX/XX/XXXX I received confirmation that my application was in review. I later received a letter stating that I did not qualify because I had a FFEL loan instead of a direct loan. I was then asked if I wanted to consolidate my loan. I explained that I had already consolidated. I was then told ( by XXXX ) that they could change my loan over to a direct loan but I would have to start the 10 years over again. 

Recently another company contacted me to discuss my application. They recommended I contact XXXX and request the Temp Public Service Loan program. I was again denied - the customer service rep informed me that had nothing to do with the kind of loan I had but rather the type of payment plan I have. This makes no sense. I have paid consistently on my loan for 19 years, I have never missed a payment, I have worked for a XXXX for 19 years and yet I am being discluded from a government program which supports an individual such as myself. 

This is absolutely heartbreaking. When you are a student, the university gives you two choices - private or government loan. I did not even know that a FFEL was different from a direct loan until XX/XX/XXXX. I still do not know why a FFEL is any different than a Direct loan. This process has been very confusing and misleading. 

Loan is currently with Navient - previously with Sallie Mae. 

I would be willing to share by application previously sent to the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: FL

Complaint narrative:
However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

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 2020-01-13 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: FL

Complaint narrative:
However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Inaccurate information on my experian credit report, it's not showing on XXXX  nor XXXX, I have two accounts that are not mine and needs to be deleted

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 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I originally applied for a conventional Mortgage Loan with Navy Federal Credit Union on XX/XX/XXXX. All loan application items were submitted within a week of application. I am still struggling with communication back and forth from the Credit union. Just recently I learned the loan origination date was changed to XX/XX/XXXX, I personally feel this may have been done in order to avoid CFPB penalties. Please assist, I am struggling with moving forward on this loan and I feel some areas may have been adjusted in order to avoid any regulatory penalties. My contact number is XXXX, I have all supporting documentation should you need it to move forward with this complaint. 

Loan app : XXXX Original loan processors name is : XXXX Phone : XXXX EXT. XXXX Fax : XXXX Her Supervisor who was also involved in communication was XXXX. 

I have now been reassigned to : XXXX XXXX XXXX Mortgage Processor | Mortgage Lending Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX, FL | XXXX NMLS : XXXX Email : XXXX Phone : XXXX Ext : 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 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America decided to close my account on XX/XX/2019. 
I had funds in the account of {$6600.00}. 
I contacted them and they said they sent a cashier check to my old address.I did not receive any check to old or new address. 
till now I did not receive any funds and I there is no way I could contact them as the account is closed

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 2020-01-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX County Court Pleas continues to furnish information on credit profile. Late payments are causing scores to deplete. With the false payment history, this is against FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
Hi, my name is XXXX XXXX. In XX/XX/2019 through the people of port and shopping for XXXX XXXX I visited the store called XXXX XXXX. Since I entered the store this people push me to buy something I can't afford. The sequence of events are the following : 1 ) I told them I didn't make a lot of money because I'm a XXXX that works in XXXX XXXX and that my annual income was XXXX a year ; but they kept asking me personal information, I told them that I didn't have any personal ID, then they told me if I have a picture of any ID and I told them I had my passport number, then I gave them the number. Then after a few minutes they told me to go to a room and handle me a phone, it was a lady that spoke XXXX, and then this lady also started asking me personal information, and I gave her my social security number. Then I returned where my husband was sitting, and after a few minutes they told me the ring for XXXX dollars is yours I could not believe it, I never filled out any credit card application with the terms and conditions, I never gave them any valid photo ID. They never gave me any paper or application to look, they never told me any interest rate. I never knew I was being qualified for a credit card to buy the ring. I never signed any document to apply for this credit card. Then they gave me a bottle of champagne and told me to return later, then they had a paper that told me to sing, but they kept the paper in their hands, they never gave the paper to me so I can read it and because I was tired and hungry and she was kept pointing me where to sing, I signed it without reading and resulted, i twas an invoice for the purchase of the ring ; but they either gave the invoice to me, they also kept it .Then inside of the ship at XXXX XXXX  XXXX who works for port and shopping for XXXX XXXX called me and he told me to go and pick up the ring, because I bought it. I couldn't believe it. I had something I can't afford to pay. Since the next day I put a claim on board against the store, but they said they could not do anything because any return has to be done in XXXX XXXX if the manager approve it. I had spoke to the Comenity Bank and put a claim, I had spoke to XXXX that works for XXXX XXXX and put a claim and to XXXX, XXXX and XXXX that work for XXXX XXXX and also put a claim. XXXX the customer service manager for XXXX XXXX said that he was going to see the store footage from that day ; but I am still waiting. I also put a claim in Comenity Banks, but they didn't care for XXXX  Credit Report because they knew since the beginning that probably I had the credit score ; but not the capacity to pay $ 500 monthly. This bank didn't has a location to visit everything has to be done through the internet or by mail and XXXX XXXX Headquarters located in XXXX XXXX didn't accept public visits. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
American Honda Finance Continues to Furnish information on credit profile. I requested multiple times validation of signature and contest to contract. Company failed to comply on a number of occasions. This is supposedly a joint account with no consist payment history on credit profile. I'm told the original owner is incardinated and don't access to vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
I never received anything from XXXX XXXX XXXX apartments. Now I see Transworld Systems is reporting this issue on my credit file. I did a dispute to the credit bureaus and a direct letter to Transworld Systems asking for validation. The bureaus mailed me that Transworld verified as accurate, but no response from Transworld. 

I asked for validation of the {$2800.00} current balance amount. An itemized statement showing all charges and fees. The date when I vacated the apartment. A list of any damages. 

Plus according to Ky. Rev. Stat. Ann. 383.670, I would like to know what steps were taken to re-rent the unit to limit my exposure to additional rent costs?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have been contacted by a debt collector, XXXX XXXX XXXX ( XXXX ) numerous times. Each time I have ask for a copy of the original contract that they are claiming that I signed. They have refused to do this, and have sent me, twice, info that says an account was opened in my name and using my SS #. I disputed this through XXXX XXXX, and XXXX sent them the same info that they sent me, and I was told by the Credit Reporting agency that I owed the debt. This has not, or ever was, listed as being disputed. The amount is for {$1800.00}. Because XXXX has not sent me valid proof that this debt is mine, it should be removed 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