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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've been corresponding with TransUnion since XXXX of XXXX about derogatory accounts that they conveniently placed on my credit report that doesn't belong to me. I checked my credit report again in XXXX of XXXX and contacted TransUnion about derogatory information that they placed on my credit report that does not belong to me and they informed me that they would look into it. I wrote to them on XX/XX/XXXX outlining those accounts that wasn't mines. I received a letter dated XX/XX/XXXX from TransUnion stating that they verified certain information to be Accurate. I further investigated and then went back to my credit report and noticed that TransUnion had placed 8 more derogatory accounts on my credit report that didn't belong to me. All together they placed about 13 derogatory/non-derogatory accounts on my credit report that doesn't belong to me. I wrote another letter to TransUnion requesting that they send me the proof that they have verifying that those accounts was mines. I then received another letter from TransUnion stating that they would do further investigations and that it would be completed by XX/XX/XXXX. To this date, those accounts are still on my credit report hindering me from obtaining a loan and its interrupting my quality of life. I am hurt and ashamed due TransUnion 's bogus credit reporting practices. On Monday, XX/XX/XXXX, I again contacted TransUnion about the removal of the derogatory information and they asked me for the accounts again, and, again I gave them to them. I was told that they were sending my account to some type of FastTrack for further review and they stated that I check back with them in 5 business days. I am suffering, humiliation, setbacks, mental distress, etc., due to TransUnion 's bad credit reporting practices. I truly believe that they target certain people.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: VT

Complaint narrative:
They delay processing payments submitted by check/mail. When I called they told me that their " official policy '' is to handle all incoming payments " within a few days up to a couple weeks ''. This is unacceptable and results in me paying increased interest. I have to monitor it online and it could have resulted in missed payments if I didn't also make payments online. I believe that this is an ongoing, established practice to increase revenue and charge the borrowers more interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX 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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
incorrect mortgage balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
This company has RIDICULOUS interests rates that are not clearly explained up front. My card was charged XXXX and Im being told that only XXXX of that goes towards the loan, the rest is all interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: ERC
State: MA

Complaint narrative:
There is this account in collections on my XXXX credit file that I do not recognize, the account is showing with a status of in collections but the problem is that I never had an account with this company called ERC or XXXX XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2016. I have disputed this account with XXXX and for some reason they tell me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: FL

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I had did a transaction on cash app for {$270.00} to receive a product on XX/XX/XXXX. I never received my product I contacted Cash app they told me to go through my bank I went through my bank they gave me a provisional credit then took it away in which caused a lot of fees in my account due to the merchant stating I need to fight the transaction with them directly and from that point I have been doing so and to no avail they will not contact me back nor acknowledge my emails for help. Before I go and file a suit against the company and the person I just want my money out back in my account

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 with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I initiated balancing my checking account. I accessed the BBVA Compass Bank website to download my recent statement for this purpose. While reviewing my account I noticed a debit transaction had been initiated on XX/XX/2019 in the amount of {$44.00}. The vendor name is XXXX XXXX. I did not initiate nor authorize this transaction. I immediately called BBVA Compass but received an automated message that the security department was closed and please call back during normal business hours. What? Fraud can be perpetrated 24 hours a day. I immediately blocked my debit card on the BBVA website to prevent further use. On Monday XXXX at XXXX EDT I called XXXX and spoke to XXXX about my discovery of this fraudulent transaction. He said that there was nothing they could do until the transaction posted to the account and my money sent to this apparently fraudulent merchant. My debit card was cancelled by XXXX and the process of issuing a new one started. I was advised that it would take 7 business days to receive a new card. He also stated that a new card would be issued free of charge. Today, I checked my account and the transaction posted last night ( XXXX ) and now the {$44.00} was withdrawn from my account. I called the security department today ( XXXX at XXXX ) and was told that an investigation would take place and if found to be fraudulent the money would go back into my account within 10 business days. I searched the internet to find a contact number for the 'vendor ' but there was no contact information on their website ( XXXX ) and in order to go further on their website you have to create an account profile. I declined to do this. 

I realize that in the world of fraud {$44.00} is a small amount, but since I haven't worked in over a year, every cent in my account is precious to me.

Company response to consumer: Closed with 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has given me difficulty the last ( 3 ) times when I try to access dispute information. I will put a dispute in through XXXX XXXX and will recieve an email from Equifax stating they are investigating the issue. Once they are complete, they send me an email with a confirmation # to go online and view the dispute results. Every time I try to access this online, they seem to can't varify me and I have to call in. Well, when I call in they ask me the same series of questions as the online prompt does. At the end of the conversation, they always say that they can't varify me and I need to mail in documents. 
It is the same information that all ( 3 ) credit beaures have on me. These people are rude and their is language barriers here. How can I make the necessary corrections to my credit report if I can't access it. They are truly no help. There is a blog out on the web of thousands of people who are complaining about how Equifax operates ... ..

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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
XXXX. Repeatedly calls and asks for a person who does not live here. I told them numerous times to stop calling they have the wrong number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX and XXXX 2019 I made several large purchases from a XXXX XXXX totaling in the amont of {$2700.00}. I had purchased recklessly so I revisited the merchant and returned all of the items I had purchased. The merchant indicated that within 5 to 7 business days I would be credited back to my bank account. I was reimbursed XX/XX/2019 for a total of {$42.00}. I Immediately contacted bank and expressed the matter and opened a dispute against the merchant. I was assured that within 10days the dispute would be resolved or a provisional credit of sorts would be issued to me. During the course of the next few months I contacted the Bank about this dispute and requested the provisional credit. Each time the bank stated that the disputes team would be in contact with me very soon, with an update. During the time several support emails had been exchanged stating that the investigation was still taking place. On XX/XX/2019 the bank issued refunds and credits for the total amount of {$2600.00} however it immediately issued reversals and forced debits to my account in the amount of {$2600.00} and issued me an automated message via the support message saying that it apologizes but there was a system error and they are working to correct the issue. I contacted the bank expressing my anguish, need, and confusion, and it replied that the investigation was still underway and that someone from the disputes team would be in contact with me. I continued to reach out the bank several times each week until finally I received a message on XX/XX/2019 from the disputes team stating that the merchant had Five business days to reply. I asked what that would entail, the disputes team clarified that if the merchant did no reply that the dispute could be closed and found in my favor. XX/XX/2019 I reached out asking why I hadnt been reimbursed because the reason I was given. The disputes team failed to respond to me. I then sending messages stating that I would escalate this case to the CFPB because it was illegally how this bank was and still treating me, and then it caused the disputes team to reply on XX/XX/2019 requesting I submit to them documents associated with visa by XX/XX/2019, I complied with their request and sent the documents to visa directly myself as well as to them. However I still have not received my money the bank continues to withhold these funds from me and ignore me completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX this company charged us interest on a account that had 0 % for 12 months on a purchase that was made two months ago. We used the card after that purchase but made sure that those charges plus the payment on the 0 % charge was paid every month. This company took upon itself to put all of the payment toward the 0 % purchase so we would have to pay interest on the new charge. I contacted this company and they tried to say they can do that for a 0 % purchase that was coming due. They were told that we have 8 months left on that 0 % so that is a wrong statement. Instead of this company just crediting the account the interest a putting the purchase that is 0 % for the following next 8 months they said this could take up to 60 days to fix. This is a company that obviously trys to take advantage of the customers.

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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : FLORIDA XXXX ) XXXX ; XXXX XXXX ( Original Creditor : FLORIDA 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 2019-06-05 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: FL

Complaint narrative:
I lived at an apartment complex located at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I was told my lease wouldn't be renewed. I moved by my experiation date. I had XXXX pets and made a pet security deposit upon rental. I never heard a word from the apartment complex. I pulled my credit report and it shows a bad debt reported by XXXX XXXX XXXX out of XXXX Florida for over {$3500.00}. I have disputed the account with the credit bureau but, the agency continues to report the account. I called XXXX and they described themselves as the " referee '' and told me to dispute the account on their site despite my telling them that the balance is a fabrication. I attempted to file the dispute on their site which doesn't easily present a dispute mechanism so II 'm not certain I succeeded. This credit reporting is a completely made up balance intended to extort money from me that I do not owe. Also, the apartment complex was sold while I was living there. The new owners must be reporting this information to XXXX. I have no contractual agreement with the new owners and again the new owners made no effort nor did XXXX to contact me they just reported the account to the credit bureau

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: PNC Bank N.A.
State: FL

Complaint narrative:
WARNING to Other Consumers PNC Credit Cards- All payments are allocated to the LOWER INTEREST RATE PURCHASES FIRST, so the bank can make more money on the higher interest rate balances. This is UNETHICAL. PNC bank purposely holds on to the higher interest rate balances until the lower interest rate balances are paid. 

We have a business PNC credit card. XX/XX/2019 we took a small cash advance of  {$100.00}, which we have never done before, but we were in a bind. 

On XX/XX/2019, I paid our credit card minimum and added and extra {$100.00} to pay off the cash advance. 

credit card purchases are charged 21 % cash advance purchases are charged 25 % I called PNC customer service on XX/XX/2019 after my payment posted and asked them to please apply {$100.00} of my payment to the cash advance. I was told by the customer rep XXXX XXXX that payments go to the LOWER interest rate balance first. We owe {$8000.00} in purchases, so PNC will be charging 25 % on our {$100.00} cash advance until we pay off the card. 

I asked to speak to XXXX 's escalation manager XXXX. XXXX told me they will not and can not allocate {$100.00} to be applied to the cash advance balance.

All payments we make pay down the LOWER INTEREST RATE Purchases first. 

This is so unethical! So PNC is going to make the higher interest rate purchases the last to be paid off. This is wrong! 

We have our business banking with PNC. Now we are going to move our business banking to another bank. I am infuriated about this.

Company response to consumer: Closed with explanation