vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX XXXX XXXX, XXXX XXXX, Experian not reporting things right. First off Experian  company is by far the dumbest! Why did you take off XXXX credit card. Never asked you to do that! XXXX card was not fraud or open fraud or part of identity theft! Your company needs to pay attention big time. You leave the identity theft fraud on my report and take off XXXX you not to do. Your company by far the worst company I ever have to deal with! This is why I just got a lawyer and suiting big time. You still have 5 accounts from identity theft. 2 accounts from XXXX XXXX XXXX XXXX XXXX one account XXXX the other XXXX accounts on here after submitting a document from that company. They they dont have an account from me! Then after 4 times tell your company about identity theft to take off XXXX XXXX XXXX XXXX, XXXX XXXX credit card XXXX, XXXX XXXX, XXXX. Name is not right you still have it wrong its not XXXX a or XXXX XXXX XXXX its XXXX XXXX XXXX XXXX. I am a XXXX! Please get it right.

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 2018-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
GM Financial took money via ACH without my authorization and my account was over-paid. Then, they said it would take 14 days to pay me back. I paid my lease in full on XX/XX/2018 and cancelled further ACH withdrawals. They must not have updated their system on time and still pulled the money out of my account on XX/XX/2018. 

I understand mistakes happen, but I paid my lease payment on the due date every single month via ACH, not a single day late for the entire team. 

They take money out of my account on a unauthorized basis and take 14 days to pay me back? 

unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I sold my home in order to pay off my student debt. I had the money from the sale of my home put into a bank account through XXXX so I could easily pay the debt online. When I made the payment through XXXX I could only find one account number online with Navient, the company servicing my loans, so I submitted the full amount for all 6 loans ( 4 for the Department of Education, 2 for Federal Student loans ). Navient took the money and paid of my 2 Federal Student Loans on XX/XX/2018 and set the remaining {$25.00}, XXXX  in my account as a credit! When I found out my Department of Education Loans were not paid and still accruing interest, I called them. Their comment was " The Department of Education does not take wire transfers ''. I explained it was not a wire transfer, but a payment directly from my account, and they told me it was not. I asked them to refund my money and they stated it would have to stay in my account for five more days, until XX/XX/XXXX as their policy was it had to remain there for 15 days after receiving it to make sure it was good. On XX/XX/2018 I went into the Navient website and manually paid each Department of Education loan off separately through the same account and they went through. The Federal Student Loans have been paid in full, shows they are paid in full, but are keeping the {$25000.00} in case it was not good? I explained it did not make sense, but they assured me it would be refunded. I still do not have the money in my account and now it shows a - {$25000.00} reversal on the Navient website, but it has not reached my account. How long are they allowed to keep my money?? I asked them if they would be paying me interest on my money since they have been holding it so long and they replied " We do not pay interest ''. They have had my money for over 20 days and I still haven't received the refund. What is my recourse???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: NC

Complaint narrative:
Transunion without my knowledge and consent removed or deleted a closed XXXX XXXX credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length. 


That account # XXXX i did not give permission for Transunion to do this change. 

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it. 

That account needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back 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 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
on XX/XX/2018 I was with my wife at XXXX ( XXXX XXXX XXXX XXXX XXXX IL. XXXX and I spent {$33.00} and then we went to XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX  IL XXXX   and I spent XXXX  with my debit card and then we went to Home depot at XXXX XXXX XXXX XXXX XXXX IL. XXXX and I spent XXXX. I then checked my account and notice that someone used an atm at Citibank at XXXX XXXX XXXX XXXX and withdrew two cash withdrawal from my account for {$500.00} and {$300.00} at XXXX. I filed a police report and notified the Citibank at XXXX that day. Citibank sent me a notice that because they used my account and pin number the charges were mind. I explained to them that I cant be on the west side  of XXXX  using my debit card and pin and also downtown using the same card. Please can you help 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 2018-08-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I '' m having a hard time getting these six late XXXX XXXX payments removed from EQUAFAX, and XXXX. I already resolved this issue with the XXXX XXXX XXXX and my account is in forbearance. There is also no owed payment on my account with them and every thing is up to date. I was able to get these items removed from XXXX under the fair credit act which means they sided with my claim that there information was incorrect. pleas help me get the fed loan payments off of EQUAFAX and  XXXX because they wont budge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I '' m having a hard time getting these six late XXXX XXXX  payments removed from XXXX, and Experian. I already resolved this issue with the XXXX XXXX XXXX and my account is in forbearance. There is also no owed payment on my account with them and every thing is up to date. I was able to get these items removed from XXXX under the fair credit act which means they sided with my claim that there information was incorrect. pleas help me get the XXXX XXXX payments off of XXXX  and Experian because they wont budge.

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 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc.
State: GA

Complaint narrative:
I paid this debt on XX/XX/18 In Full to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1000.00} Credit Card Number : XXXX XXXX XXXX XXXX This Company North American Recovery Continues to insist that i owe this debt. 
I paid this debt before XXXX XXXX XXXX had a chance to Send me a notice. 
XXXX XXXX sold this loan to two different Debt Collection Agencies This is harassment and i am have been going back and forth between XXXX XXXX and XXXX since XXXX to show and proof that i do not owe this debt. 

I do not understand how TWO different companies ended up with the same debt. 
Why Hasn't XXXX XXXX  stepped in to verify how two agencies received this debt. This is harassment. How is this legal and lawful for one debt to be sold twice. 

I am again attaching both Paid in full letters received in regards to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX without my knowledge and consent removed or deleted a closed XXXX XXXX credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length. 


That account # XXXX i did not give permission for XXXX to do this change. 

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it. 

That account needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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:
Starting back in XX/XX/2017 I disputed 3 XXXX  XXXX XXXX Accounts with Transunion 's that were being reported on my credit report. It has just hit a year and nothing has been done to fix or address my requests. I have asked the Transunion to verify the account multiple times throughout the year and show some kind of verification or original signed contract showing that this debt is mine. I have contacted XXXX  XXXX XXXX to request the same thing and they have sent nothing back to me. This unverified account is negatively impacting me from purchasing a new truck for my business and has delayed this for an entire year. I am aware that the credit bureaus use an electronic verification system called XXXX XXXX so the accounts are not actually being verified. It is my right as a consumer to see the verification in hard copy form if it is going to be reported on my credit report. 

Attached are some of the letters sent along with return receipts showing that the letters were sent to all 4 organizations.

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 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America have reported fraudulent activity on an account that I didn't open. I am being penalized for an account that I didn't open. My name is XXXX XXXX and the last four digits of my ssn is XXXX. There are other fraudulent accounts on my XXXX report that I want to be handled and dealt with accordingly.

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 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have been writing letters and I haven't gotten any resolve. I have sent 4 validation letters on these dates ; XXXX. I have not gotten any paper work that states I owe them anything. The original bill was from XXXX XXXX, and all they sent me was a copy of a bill. I have asked them for a signed contract and they have yet to furnish me with anything. The amount that they say I owe is {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I chose the option closest to my situation. I find myself in a unique situation. I have been traveling extensively for work and admittedly did not pay close attention to my bank account statements. XXXX XXXX notified me that Since XXXX of XXXX, there was a ACH debit charged to my account monthly for a XXXX XXXX Credit Card through XXXX XXXX totaling {$1000.00}. I called my bank and they disputed charges from the last 60 days. I cancelled my Debit Card with XXXX XXXX and ordered a new one. I then contacted Synchrony Bank on XX/XX/XXXX letting them know what was discovered. On XX/XX/XXXX, XXXX XXXX verified that I do not have any credit cards opened in my name and that I needed to fax a statement and proof to their fraud department. I did so, and was informed that I needed to dispute the charges through XXXX. I explained that XXXX XXXX XXXX policy is that they will only credit erroneous transactions for the last 60 days. I was then told by XXXX XXXX XXXX Fraud Department that they would not reimburse me for charges erroneously made and to see if I could get XXXX to extend the 60 days for credits.

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 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
the bank recently close my account for no reason and they refuse to return my money. 
i called them several times but they not give me any response

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 2018-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I was applying for an installment loan online on XX/XX/2018 and called to speak to a rep. The loan was {$3200.00} and the payments were going to be about {$430.00} a month. I told the rep I could not afford the large payment amount and asked if they had a smaller loan. The rep said no but said they could give me a 50 % discount and said that someone would contact me to apply it. So I went ahead and processed the loan with that in mind. With a 50 % discount that would knock off a lot of interest and lower the payment. Well that's what I thought. Then no one ever contacted me to apply the discount, so I called the company about a week later and they said no, it's not a discount, it's a rebate after you pay the loan off. This was very misleading and I would not have signed up for the loan if I knew it was a rebate and not a discount because as I said to the rep I could not afford these high payments. The rep never said the words rebate. Rebate would have signified to me that I would get money back after the loan is paid off. But she said discount. Now the company is saying they can not give me the discount and I have to pay off the loan to get the rebate later. I was misled to apply for a loan that would offer a 50 % discount. This was faulty marketing to get me to sign up. The rep knew I could not afford the payment as is. Not even with the rebate which she never mentioned.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: IL

Complaint narrative:
Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone forged my name on an auto car loan, with a company I've never done any business with and have reached out numerous of times and provided documentation explaining the information they have on file is the result of forgery, this company is apprehensive regarding removing this account from my records due to the information on file matching my personal ID and SSN. The document 's attached list an address I never lived at and signatures that's not mine, the wire transfer and bank statement they have on file or forged and or doesn't belong to me and may be the result of wire transfer fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Experian to temporarily remove a credit freeze in order to allow a mortgage company to run a credit check. I was told by an experian agent ( XXXX ) that it would be {$10.00} to remove the freeze. I agreed and gave her a debit card number for the charge. Upon checking my bank statement, I found I was charge 9 times ( {$90.00} ) for the one time {$10.00} charge. Experian hit my card several times within a 4 minute timeframe for the supposedly one time charge. I have tried repeatedly to call Experian to address this problem, but am unable to get through to an agent. My call is stuck in voice option loop and then the call is ended. There is NO option to talk with a human agent at any time. I have tried at least 5 different numbers I have found in notes or on the web, but I experience the same thing ... loop and disconnect. I would like to get my extra money back but have no way of letting them know what is going on. I have enlisted the assistance of my bank, but Experian appears to be a fortress. 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 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I sent Cavalry Portfolio a dispute letter dated XX/XX/18 via XXXX certified mail for an alleged outstanding debt in the amount of {$750.00}. It was delivered to them and signed for on XX/XX/18. In my dispute I clearly ask for verification of any signed document by me that says I agree to pay or owe Cavalry Portfolio any outstanding debt. I have never spoken to any one from this company or made any kind of arrangement of payment to them. This is not a valid debt that I owe and I'm asking for copies of signed documents, bearing my signature to this account. Cavalry Portfolio has not provided that. What they sent me was a letter dated XX/XX/XXXX, which states they recieved my dispute and not even a copy of a bill ... but a statement showing final charge-off numbers. 

I followed that up with another certified letter dated XX/XX/18 that was signed for them on XX/XX/18. In this letter I continue to state they have not provided me with the signed account documentation I requested. My letter clearly states per FTC opinion letter from XXXX  XXXX XXXX a copy of a bill is not verification. I want the names and contact information of anyone Cavalry Portfolio claims has verified this alleged debt. They responded by letter dated XX/XX/18 by resubmitting the same copy of charge-off figures. Obviously Cavalry Portfolio doesn't have any documents to verify this alleged debt they say I owe them, and are just stalling hoping I will go away. In my XXXX letter I said that I would contact this agency and make you aware of their tatics. If this account isn't immendiately deleted from my credit report, with all credit report agencies, and also not sold to another collection agency my next step will be court action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following information should not be appearing on my Equifax report and they keep putting it back when all this should have been removed. It has been an ongoing problem with them. XXXX and XXXX cleared it from my records but Equifax keeps being difficult. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation