vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I RECENTLY CHECKED MY TRANSUION CREDIT REPORT AND SAW AN UNAUTHORIZED INQUIRY FROM XXXX XXXX ON XX/XX/2019.

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 2019-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Arete Financial Group
State: FL

Complaint narrative:
Arete financial freedom made everything seem like butterflies and rainbows ... Until 8 months+ later I received an email saying my payment was declined even though Ive had no change in card information. Called and emailed endlessly with no such hope of getting a reply.

Contacted XXXX  and they read back some of my information which was completely incorrect along with my FSA email being changed.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: MO

Complaint narrative:
To whomever it may concern : Thank you very much for taking time from your day to help. 

I have disputed this several times. 

An administrative forbearance was approved for 7 separate accounts from XX/XX/XXXX - XX/XX/XXXX and a General Forbearance was approved for the same 7 accounts from XX/XX/XXXX - XX/XX/XXXX. During this time period several late payments were reported. 

FedLoan Servicing initially failed to update current contact information ( upon MULTIPLE requests to do so ). 

I stumbled on this and it seemed to accurately depict my current situation. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. 



Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
At the beginning of XXXX, I receive a statement from Nordstrom and the amount was XXXX. I checked the details of my transactions. I did not used this card to buy anything. Someone used my information to purchased stuffs in the store. I called them to file a report, and canceled my card on XX/XX/, 2019.  However, they did not solve the problem. They said I needed to send a document to update my case, and I sent it twice. They told me they didnt receive it. I always caring about my case and kept following. They told me all the thing I needed to do is wait. The statement was increased month by month. They just holding my case, and they couldnt do anything about it. I was so frustrated and disappointed about Nordstrom. It was a fraud statement, but Nordstrom was holding my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I got charged a XXXX dollar annual fee for this card. 2 days later the bank shut down my account. Now they are refusing to refund me the annual fee on my card. There is no reason why I should pay the bank this money if they are not providing me with the benefits of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
This account doesnt belong to me I already disputed it with a identity theft report which is on file for the account 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 2019-12-02 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: VA

Complaint narrative:
In XXXX of this year I mailed a letter to Equifax requesting them to conduct an investigation concerning an entry on my Equifax credit file. The account in dispute was XXXX XXXX XXXX Account # XXXX. The nature of my dispute was that this XXXX account did not belong to me. 

Today, XX/XX/2019 XXXX I called Equifax to ask about my dispute, after a 35 minute phone call, I was told that the investigation did not take place. I asked the Equifax named " XXXX '' why wasnt my dispute processed. He told me he did not know why. I then asked him why didnt I receive any notice or notification of my dispute. He again said he didnt know why. I asked him what was done on my dispute and said my personal information was verified. I said of course, because I am the one who furnished verification of identity and proof of residency etc I also want to complain that Equifax has repeated engaged in systematic retaliatory tactics. I can not order my credit score or purchase products associated with my Equifax credit file for the last several years. Equifax has punished me by exercising my rights afforded to me under federal law. I want to go record using this forum. 

I am demanding Equifax to delete associated XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXXI was on and off of work mainly due to illness and XXXX or just difficulty finding a job. I discussed these issues with Navient and they suggested forbearance or deferment. Every 3-6 months I would get an email that simply stated type y to extend your forbearance/deferment. I had absolutely no idea that interest would pile up and I would end up owing more - they made it sound like it was easy and no big deal. I have 2 loans. One started at XXXX and it is now at XXXX, the other is lower but I still owe over 160k and I went to school for XXXX XXXX! I am only paying about {$60.00} off the principal every month - I have no idea what to do - Im going to die with this loan. I discussed this with Navient and basically I was told I should have known better.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
RESURGENT CAPITAL SERVICE D/B/A/ LVNV FUNDLING LLC XXXX XXXX  XXXX XXXX, MI XXXX I HAVE NOTIFIED THIS COMPANY FOUR TIMES CONCERNING TWO COLLECTION ACCOUNTS ON MY CREDIT REPORT. THEY HAVE FAILED TO COMPLY WITH THE FAIR DEBT COLLECTION PRACTICES ACT AND THE FCRA. 

I HAVE ADVISED THEM IN WRITTING VIA CERTIFIED MAIL CONCERNING THEIR VIOLATIONS AND THEY STILL REFUSE TO REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT FILE. 

I HAVE THE CERTIFIED MAIL RECIEPTS AND COPIES OF THE LETTERS I SENT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX I WANT THESE TWO FALSE AND INACCURATE ACCOUNTS REMOVED FROM MY CREDIT FILE WITH ALL THREE MAJOR CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 



ACCOUNTS : XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

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 2019-12-02 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CA

Complaint narrative:
Had loan for three months amount of loan was XXXX dollars .the first payment was debited from my account for XXXX the second month the amount jumped to XXXX the third month for the XXXX of those amounts XXXX dollars was applied to the loan amount I just paid the balance off and will no longer do business with these loan sharks

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 2019-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I contacted PNC Bank my local branch in XXXX Ohio downtown location! I notified them i needed copies of all the cashiers checks from aprox.from XX/XX/2015 until the current time they were every month for {$50.00} but a few were for {$100.00} I TRIED TO REASON WITH THE CUSTOMER SERVICE PEOPLE ONE IN XXXX OHIO THAT CALLED ME AND SAID SHE WOULD, THEN SHE NEVER CALLED ME BACK! I I HAD A FIRE AND ALL MY COPIES OF THE CASHIERS CHECKS WERE BURNT UP ALONG WITH THE RECEIPTS! AT FIRST THE MAIN BANK IN XXXX PA SAID THE LOCAL BRANCH WOUULD HAVE THE CANCELLED CHECKS! THE A CUSTOMER SERVICE PERSON CALLED ME FROM XXXX OHIO AND SAID THE CANCELLED CHECKS WERE IN A SECERET SIGHT IN XXXX OHIO! THIS WAS XXXX XXXX OR XXXX! THEN I CALLED THE MAIN BANK PEOPLE AGAIN AND THEY HANDED ME ANOTHER SONG AND DANCE I HAVE BEEN WITH THIS BANK 43 YEARS! I JUST WANT SOME HELP! XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Comerica
State: NM

Complaint narrative:
The following reprinted advertisement is a lie. I have not been able to contact any direct express customer service agent over the phone. The mobile app and the web site are not adequate to address my concerns. A high call volume is no excuse for not being able to get through to a customer service agent or being hung up on. This is outrageous and my money is being stolen. By the time this letter arrives and is processed how much money will be taken out of my account? This has always been an issue with Direct Express for all the years I have had the card. NOT using the card does not resolve the issue. 

I am having an issue with unauthorized withdraws from : XXXX XXXX XXXX XXXX XXXX d/b/a XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX XXXX Already have a Direct Express card? 
For all questions related to the Direct Express card, cardholders should call : Customer Service XXXX Customer service is available 24/7 We handle calls related to : Reporting lost or stolen cards Balance inquiries PIN changes Transaction history requests Registering a complaint about a card issue Questions about card usage Questions about international card usage You can also write to us at : Direct Express, Payment Processing Services. XXXX XXXX XXXX XXXX XXXX, TX XXXX What good is this ad if you can not get thru. Plus you don't get a routing number and you can not update anything with out a customer service rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
Enhanced recovery erroneously created a 1-month debt collection on my XXXX   credit report. I discovered this while applying for a home loan. They put on as a debt in XXXX and said it was paid in XXXX. Leaving on my XXXX Credit report. I am requesting that this company immediately delete this entry in my report. 

6. ENHANCED RECOVERY CO XXXX XXXX XXXX ) Decode XXXX I XXXX XXXX XXXX CLOSED XXXX CURRENT XXXX XXXX XXXX XXXX XXXX XXXX Hist : XXXX XXXX CLSD XXXX APP Ctgy : COLLECTION Term : 1 MO ACCT SUBMITTED TO COLLECTION PAID 14. ENHANCED RECOVERY CO L ( XXXX ) ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I never had aXXXX phone or ics systems. They keep threatening me to pay. Please delete this from my credit God bless

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 2019-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
years. In XXXX of 2019 and was sent a default notice. mind you-i made my payments online but their representative had keyed my checking account number in wrong by adding another number to my checking account. This was told to me after i questioned the default notice. i was very upset and questioned the various amounts of money that went out from my bank ( XXXX ) and wells fargo ( which the payments were listed ). 
Some of the payments reflected missing payments which shouldn't. I don't see why i have to make up the payments when it was the representative 's mistake from wells fargo. i have never had this mistake at all. Everytime i call in-i get the same response and my husband feels that i didn't make said payments. What can be done? I also am fromthe state of teexas and this happened during the time of the storm ( Tropical Storm Imelda ).

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 2019-12-02 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: NJ

Complaint narrative:
Good afternoon my name is XXXX XXXX XXXX since XXXX i have worked on my credit until the date, i have tried to get loans and go get more credit and i have been declined not because me info is wrong but because the company experian collected all the info of every person and have a error with my name i have tried to solve this with then but they keep asking for the same info that i have already sent then before my name XXXX XXXX XXXX date of birth is XX/XX/XXXX And live in XXXX XXXX XXXX XXXX XXXX i never used XXXX or XXXX or XXXX or XXXX only XXXX XXXX XXXX i only have 1 social security the info of every person are located by socail security and date of birth and name they already sent them my info and they dont Fix the problem i have taken credit loans XXXX, and XXXX before on only one credit card and other credit cards i have taken loans of XXXX and these dont show i will send you photo copys of the loans and credit cards that i have canceled and of credit cards that are active

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 2019-12-02 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: SC

Complaint narrative:
Equifax is being non compliant with the 605b. I have sent them two disputes and have clearly Ignored my request. I sent my Identity Theft-Related Request to Equifax and they have received the identity theft report and block request with my driver 's license and Equifax does not take cases of identity theft very seriously and as not conducted a thorough investigation. However, Equifax at this time declines to block the information I have identified. This clearly in violation of my rights. If the disputed information is not blocked or otherwise deleted from my credit report file disputing the accuracy or completeness. I will take legal action!!!! I have notified XXXX and all 3 credit bureaus that I am a victim of identity theft. 
The Fair Credit Reporting Act ( FCRA ) gives me specific rights when you are, or believe that you are a victim of identity theft. 
I have the right to ask that a consumer reporting agency block that information from my file. I asked the consumer reporting agency to block the reporting of this information, and also identify the information to block, and provided the consumer reporting agency with proof of my identity and a copy of my identity theft report. The consumer reporting was provided with necessary documentation and is being non compliant **please see attachments for account and account numbers** XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI BANK CORP automatically initiated " paperless statements '' upon the online banking set up process. Apparently, you need to " uncheck '' a box to receive paper statements. CITI BANK sent the first statement ( new account ) via email, I was unaware until it was 30 days past due. Once realized I hadn't received a paper statement in the mail I called customer service in which they informed me it was past due. I immediately paid the account in full, requested they remove the automatic " paperless statements '' and asked to have fees removed. CITI BANK CORP understood situation and refunded late fees as well as any accrued interest charges. They would not however remove the 30 day late reported to the credit bureaus. CITI BANK CORP should take ownership of its deceptive business practices in blindsiding the consumer. Having to find an " uncheck '' a box is not how majority of credit card companies go about signing up for this feature. I understand credit card companies are always finding cost cutting measures but it shouldn't be at the expense of the consumers credit report. I've never been 30 days late on any account, receive well over 300+ emails per day so " paperless '' statements is never an option. I feel this is a gray area and not a true reflection of the reporting made to the 3 credit bureaus. Signed, XXXX XXXX. # FrustratedCITIBANKcustomer

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 2019-12-02 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: CA

Complaint narrative:
I was applying to rent a car today XX/XX/19 and when they ran my credit they told me that I was unable to rent with their company because I did not meet the credit requirements. I was confused so they let look through my credit report and I found several inquiries as well as accounts on my report that I never opened. None of those accounts or inquiries belong to me nor did I give anyone permission to open those accounts or make those inquiries with my personal information. I filed a police report regarding these items as soon as I got the chance ; I never benefitted anything from these accounts/inquiries that were opened in my name without my authorization nor do I have any relationship with any of the companies I listed. I did not take part in any payments, purchases or transactions involving any of these accounts.

Company response to consumer: Closed with explanation