vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 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: GA

Complaint narrative:
XXXX XXXX XXXX is fraudulent. I've never attended college. I have tried to resolve this multiple times but XXXX XXXX XXXX will not help me. They have intentionally destroyed my credit.

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 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is fraudulent. I've never attended college. I have tried to resolve this multiple times but XXXX XXXX XXXX will not help me. They have intentionally destroyed my credit.

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 2019-05-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After several attempts to send my FTC fraud report the CRA 's have failed to process orcorespond with me regarding the matter.

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 2019-05-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After several attempts to send my FTC fraud report the CRA 's have failed to process orcorespond with me regarding the matter.

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 2019-05-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After several attempts to send my FTC fraud report the CRA 's have failed to process orcorespond with me regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 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: PA

Complaint narrative:
Experian has listed for several years a old account from XXXX that was opened up in my name, and unauthorized purchases were made, I demanded XXXX/XXXX to remove and close ... I filled out in XXXX of XXXX a fraud packet, and they closed it ... then they began reporting it to Experian again in XXXX stating that it was a current negative account, 100 % erroneous info ..Experian has yet after 3 years of attempts to remove it, even after I sent them a copy of atty general office of Ohio, their home corporate state, XXXX of XXXX that required XXXX XXXX XXXX/XXXX to remove the account ... they still are reporting it as a recent negative account///absolute fraud this account was closed in XXXX of XXXX ... not recent, and it was closed due to my complaint of fraud ..

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 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
The debt is related to cable company TV box, returned in New York in 2016, and mistakenly recorded as not paid. Have since resolved the issue with the cable company, but the debt was sold to a collection agency. Since then, have been receiving letters and phone calls about the debt. Now, the debt appeared on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/2019 I tried to put in a PO Box-in Maryland at the XXXX XXXX Post Office in  XXXX XXXX Maryland at XXXX XXXX XXXX XXXX, but that Post Office has so much fraud, and stealing that my mail was never sent to the Post Office box, so my bank withdrew the funds ( Post Office was reported ) and I signed up instead with the DC Washington XXXX XXXX in Washington Dc because they are professional at this Post Office any how I asked my bank to take back the {$100.00} because the Maryland bank never put my mail in the Post Office box. The dispute department talked to someone at the Maryland underhanded Post office and they told my bank that I come there everyday to get my mail from their Maryland Post-Office which is a lie, because I have proof and receipts and the Post Office General will not allow any one to have two -Post -Office boxes- exspecailly coming form the same house. TD Bank failed to investigate and believed the lies that the Maryland- Post Office -said and not me and TD Bank took {$100.00} out of my bank account and gave it to the lying- Maryland Post Office .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is unverified and inaccurate information on my credit report. I would like this information removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 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:
There is unverified and inaccurate information on my credit report. I would like this information removed immediately.

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 2019-05-20 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened my account around XX/XX/2018. Shorting after I went out of the country until XXXX. Upon arriving home I immediately contacted citi regarding these charges it was over XXXX in charges. They claimed I called and said I had my card which is incorrect I never called. They not only held me liable for something I didnt do, they lowered my credit line from XXXX to XXXX. And its a conscience that they lowered for the exact amount to the XXXX on what the claim was for. Now they are ruining my credit every month. I have called several times. No one will help me. I am a verified fraud victim. I have identity alerts on all credit agencies. My credit went from a XXXX to the 500s. They need to resolve this. Refund all money that belongs to me. In the terms for the card they state zero fraud liability. But they are making me liable for something I didnt do. I wasnt even here. They need to fix the account. If this isnt resolved I will be taking this to court.

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 2019-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My ex and I jointly leased a XXXX XXXX XXXX through Ally Financial. 
In XX/XX/XXXX, my ex and I split and he filed for bankruptcy - putting this account into the bankruptcy department. I never missed a payment and kept the truck until I turned it in to XXXX XXXX XXXX in XXXX, MI, at the end of XXXX, XXXX and leased a new truck ( solely ) through a new finance company. 

I have since received several letters on the truck I turned in stating my account was delinquent. I called and requested them to fix this every time I received a letter. 

Finally, in XXXX, they were able to confirm that the truck was turned in and that my account was closed. 
A few weeks later, I received a letter stating I had a 30 days late for XXXX on the truck that has been turned in since XXXX. 
I called Ally again and told them this was incorrect - they said I had to submit a letter in writing stating my complaint - which I have done and I haven't heard anything. 

Through this insanity, my credit has suffered and I have spend way too much time trying to fix a problem that I didn't create. I am outraged at the way this has been handled and that me, the consumer, is the only one who suffers. I pay my bills on time, every time and it is ridiculous what I have had to go through to protect my 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 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After seeing a {$300.00} new account bonus at https : //promo.bankofamerica.comXXXX ( link is now expired, but screenshot attached ), I opened a New Bank of America Advantage Plus Banking Account on XX/XX/2019 and completed the Qualifying Activities by receiving two direct deposits of {$9000.00} on XX/XX/2019 and XX/XX/2019. 

After waiting more than 90 days from account opening and still not seeing the bonus, I contacted BofA using online chat about two weeks ago. 

They said they would open an investigation about my missing bonus. I have not had any contact since.

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 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NV

Complaint narrative:
This company have negatively effected my credit with a debit that does not belong to me. It was put on my credit report XX/XX/2019. XXXX does not even offer service in the city I live in. I just dont understand how I owe and I cant even use XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JH Portfolio Debt Equities, LLC
State: PA

Complaint narrative:
I consolidated my debt ( not bankruptcy but it was the closest choice ). At the time my bank was XXXX. I had a checking account, a savings account, a {$5000.00} line of credit and a credit card. I did not owe anything on the line of credit, which is on my credit report back in XX/XX/XXXX, whatever I owed was paid. In XX/XX/XXXX I consolidated all of my debt including the XXXX credit card ( {$7200.00} ), this card was settled in my consolidated debt for {$1800.00} Ever since I this was settled XX/XX/XXXX they have given this debt to collection agencies trying to collect on this settled debt. Even in the same year it was settled for {$1800.00} XX/XX/XXXX. So on my credit report it shows this same debt as a in collection/charge off in XX/XX/XXXX & XX/XX/XXXX. These collection agencies keep calling me trying to collect this settled debt that has been taken care of, its accruing interest. It is effecting my credit and my ability to purchase a house, they have turned the interest in to the IRS and {$1000.00} has been taken from my refund for 2 years in a row because of this bank. I have arrachedthe letter closing my line of credit with a {$0.00} balance with the business card the lady at the bank attached to the letter just in case there were questions, I have attached exhibit A, Schedule of Creditors Debt, I have attached the debt settlement letter from XXXX and I have attached a collection letter, I periodically receive letters but every day Im getting phone calls continuously trying to collect a debt that has been settled. I am seriously upset and I need your help please.

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 2019-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: CA

Complaint narrative:
contract date XX/XX/XXXX year XXXX term XXXX XXXX APR 15.2 payment amount {$700.00} amount financed {$32000.00} original finance charge {$17000.00} note amount {$50000.00} The problem is as follows : I made a large payment about four times. I asked them to pay the extra money towards principal. That was never done. i asked them to adjust the extra money and they refused. as you can see it states 15.2 per cent annually, however I found out that I also pay {$15.00} per day which equals {$32000.00} on top of the interest. This is a predatory loan and that amount was never stated when the car was financed. I am asking for the {$15.00}. per day to be credited to my account and taken of the life of the loan because it is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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:
identity theft victim. this has been going on for sme time now. 

U S bankruptcy XX/XX/XXXX this is not mine. 

XXXX XXXX XXXX {$370.00} opened XX/XX/XXXX. not my account. THIS IS FRAUD

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 2019-05-20 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
some one in amazon organization is charging to my card for a commission and send the items to me s if I made the order amazon is allowing the card to be over charged and then report it to the reporting agency 's as going over the limit this has to be some in amazon all the sent to is more than I ordered and no need to order that much stuff I have more rugs than I have rooms in my house to put 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 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XX/XX/2019 : I reached out to Quicken Loans to discuss a possible mortgage loan. I explained the full extent of my situation to the mortgage broker. She stated that she felt like she would be able to provide the loan I was wanting so I agreed to have her pull my credit report. once she did she immediately started talking to me about the " other loan options '' they offered. I asked why she was telling me about those because that's not what I wanted. She let me know that even though my credit score put me as " top tier '' that the fees they would charge would exceed what the state of Texas would allow. I let her know that she had just wasted my time because she should have been aware of that before pulling my credit. I believe that this was done intentionally in order to convert me to a different product offering. This is an unscrupulous business practice akin to a " bait-and-switch ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I consolidated my debt ( not bankruptcy but it was the closest choice ). At the time my bank was Santander. I had a checking account, a savings account, a {$5000.00} line of credit and a credit card. I did not owe anything on the line of credit, which is on my credit report back in XXXX, whatever I owed was paid. In XXXX of XXXX I consolidated all of my debt including the Santander credit card ( {$7200.00} ), this card was settled in my consolidated debt for {$1800.00} Ever since I this was settled XX/XX/XXXX they have given this debt to collection agencies trying to collect on this settled debt. Even in the same year it was settled for {$1800.00} XX/XX/XXXX. So on my credit report it shows this same debt as a in collection/charge off in XXXX & XXXX. These collection agencies keep calling me trying to collect this settled debt that has been taken care of, its accruing interest. It is effecting my credit and my ability to purchase a house, they have turned the interest in to the IRS and {$1000.00} has been taken from my refund for 2 years in a row because of this bank. I have arrachedthe letter closing my line of credit with a {$0.00} balance with the business card the lady at the bank attached to the letter just in case there were questions, I have attached exhibit A, Schedule of Creditors Debt, I have attached the debt settlement letter from XXXX and I have attached a collection letter, I periodically receive letters but every day Im getting phone calls continuously trying to collect a debt that has been settled. I am seriously upset and I need your help please.

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 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I bought a new house in XXXX of XXXX. The servicer of my mortgage loan was/is XXXX XXXX XXXX, XXXX. Beginning with the first mortgage loan payment, I requested that my bank, SunTrust, send the payment directly to XXXX XXXX. According to SunTrust, the first two payments were mailed to XXXX XXXX as paper checks. All subsequent payments have been made electronically. 
In XXXX or XX/XX/XXXX, XXXX XXXX informed me that my loan was delinquent because I had missed the first two payments. This was a shock to me since SunTrust had mailed the payments directly to XXXX XXXX and debited my account accordingly. I contacted XXXX XXXX and, after conducting a thorough review, XXXX XXXX denies ever having received or processed either of the paper checks that SunTrust supposedly mailed to XXXX XXXX. XXXX XXXX has assessed late fees and penalties on my account and considers it to be severely delinquent. In XX/XX/XXXX, XXXX XXXX sent a notice of default and intent to accelerate the loan. 
Meanwhile, I contacted Suntrust and spoke to someone within their " fraud investigations '' unit. According to the fraud investigator with whom I spoke, both checks were cashed at XXXX XXXX Bank. I submitted an Affidavit of Fraud to SunTrust, but was told that I had the wrong affidavit form and that I would need XXXX to sign a Payee 's Affidavit instead. Unfortunately, XXXX XXXX refused to sign the affidavit provided to me by SunTrust because XXXX XXXX never received any check. This was in XX/XX/XXXX. 
Since that time, I have learned that XXXX XXXX is a defunct bank that closed its doors in XXXX. Moreover, I have viewed images of the cancelled checks that SunTrust allegedly mailed to XXXX XXXX, and neither one has any signatures, endorsements or codes/numbers on the back of them. Part of me wonders whether the checks ever even got mailed by SunTrust, or perhaps they were addressed incorrectly and sent back to SunTrust after the bank had already debited my account. 

I have spent many hours on the phone and writing emails top SunTrust only to get nowhere. Neither XXXX XXXX nor SunTrust have any interest in getting to the bottom ofg what happened with my two payments. I'm concerned how this situation is impacting my credit. I have repeatably asked  XXXX not to report negatively to the bureaus to no avail

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 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was given a Closing Disclosure that showed {$3000.00} that I needed to pay to close. On XX/XX/XXXX, ONE day before closing, I got yet another Closing Disclosure that had increased to {$5500.00} leaving me less than 24 hours notice to sustain an increase that was almost DOUBLE! It's illegal as the amount should not increase any more than 10 %.

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