vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter from XXXX XXXX in reference of XXXX, account number XXXX. A debit that Is not mine, I would like that Company to verify the debt with my signature, and the original date of the debit. But they sent a letter stating the debt was closed. I state the debit does not belong to me, they have ignored my letter, Please send me the original contract of the debit with my signature verifying the debt, and I am suspect of the date of the debit, it is a 2008 debit.

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 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
According to XXXX, on or about XX/XX/2018 the collections account was deleted off my credit report. Shortly thereafter, the collections account was added back by the creditors. I've asked them to again remove the account from my credit report again. Please have them permanently remove this account from each of my credit bureau 's report.

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 2018-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MO

Complaint narrative:
On the XX/XX/XXXX, @ XXXX l was inquiring about the Refinancing of my mortgage with a lender from Loan Depot and their Loan Rep. XXXX. 
Explaining to XXXX the purpose of refinancing and taking out addictional money for windows to be replaced in our home. 
On their recorded line as he stated to me after gathering particular name and adress, SS # and such further mentioning credit score and the extras, he was encouraging me to lock in my rate ASAP. 
I told him, l drive over the road and needed to get back in touch with him later that evening. 
Later that evening l recontacted LD and the same Rep. After 45 min. discussing the the refi he assured me we needed to get a rate lock at 3.25 annual percentage rate. And if I would accept {$14.00} charge to my bank account, being as a token of a good-faith gesture and we would discuss the matter in the coming days but the {$14.00} down was to get the rate lock at 3.25 %, which was talked into 3.75 % for my benefit of being able to save {$2000.00} on closing the loan, which l agreed it is more than what l 'm current rate is 3.65 % I followed up with the rest of the information insurance declaration page, mortgage statement, last two years XXXX, paycheck stub within the next three to four days. After completing that on the XX/XX/XXXX, so within a week from when I had originally talked with him. It seemingly in the last 2 days on the XX/XX/XXXX the annual percentage rate kept getting higher to what he's saying now will be like 4.65 %. When l initially filed for an FHA Loan, which he had said l could get more money out and a 85 % of mortgage appraisal. And now after having charged the remainder of the Appraisal Fee. 
Now calling on the XX/XX/XXXX, and stating do to policy changes with the FHA Agreement, he was unaware of those changes l would have to resort to a Conventional Loan and the previous interest rates would no longer be good and would move up to 4.65 % APR. 
This all seem confusing & frustating me, but it seems kind of sketchy and more it seems like it's kind of a bait and hook kind of an operation. I previously had applied through the Depot back in the XX/XX/XXXX but I don't know if there's retaliation or just predatory lending practices or maybe things are the way that they said they were. And that he was bad, like I'm bad, for having given you that information a week earlier. 
What else am I to do but check through the expert, or question these kind of practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: MN

Complaint narrative:
Debt was due to Identity theft. Fraus alert was activated. Original 'creditor ' was XXXX XXXX . XXXX were notified of dispute and asked to obtain verification of debt as I was not contacted when credit was 'approved ' by them. Fraud alert required them to call me personally. They did not. Subsequently the collection was taken off my credit report. 
Now, MRS Associates are trying to collect the 'non ' 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 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There is an account on my Experian credit report that reported by XXXX XXXX XXXX. This account is inaccurate and incomplete. The account is not collectable due to statute of limitations and has not arisen from a written contract that I signed.

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 2018-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Can not access Transunion reports, file a freeze, or use any of online tools they offer. Have called multiple times been transfered back and forth. Some tell me I have multiple files some tell me there is nothing wrong. I am getting no where with 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 non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Excessive over draft fees on items that are not posted to account until the day of direct deposit is posted ... on the XX/XX/XXXX I received my pay check as a direct deposit of {$340.00} and my direct deposit has been occurring every two weeks for the past three years now..When I checked my checking account on XX/XX/XXXX I had a positive balance ; no notice of an insufficient funds of - {$36.00} & - {$30.00}. When I checked my balance on XX/XX/XXXX I had two debits posted of {$36.00} & {$30.00} along with the credit of the occurring direct deposit of {$340.00} plus over draft fees of {$72.00}. This is outrageous and an overt attempt to steal money from customers ... Other banks I deal with do not charge over draft fees if debits comes in around the same time as a recurring direct deposit..I thought all banks follow this procedure and I was told by the woman who answered the XXXX, VA bank branch phone that BB & T does not participate in such a feature.

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 2018-04-25 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: TX

Complaint narrative:
Phoned XXXX XXXX Bank asking why they did a hard hit on my TransUnion credit file then removed it. They could not give me an answer. I mentioned I recently applied for credit with a soft hit which did not use XXXX XXXX Bank. They use XXXX Bank. No reason why XXXX XXXX Bank created a hard hit then removed it. It will remain on my TransUnion report for two years according to TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XX/XX/XXXX, I faxed, emailed, upload documentation on Experian 's website proving that XXXX XXXX was paid in full. XXXX XXXX has contacted Experian directly, and Experian still refuses to remove the incorrect information. XXXX  and XXXX have updated my file with the correct information from XXXX. Experian refuses to do so. I disputed this back in XX/XX/XXXX and they refused to correct my file. Today XX/XX/XXXX, I went online and did another dispute 19 minutes after I submitted, I receive an email from Experian stating that my dispute was completed and updated. I logged in and nothing was changed nor updated. The same incorrect information is showing. Here is the report number:XXXX. There is no way that they researched my dispute in 19 minutes. I have proof that this account is Paid In Full since XX/XX/XXXX. Experian is the only credit reporting agency that is not doing their job.

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 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
There is an account on my XXXX  credit report that reported by Portfolio Recovery Associates. This account is inaccurate and incomplete. The account is not collectable due to statute of limitations and has not arisen from a written contract that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
signed up for a payment plan, I was told by the sales person that if i was approved i had the option of paying in 3 months no interest, but if i wasn't done paying in 3 months, I would just have to make monthly payments until the balance of my item was paid off including a small interest rate. I called to check my balance since the item I purchased was only about {$600.00}, and I have been making XXXX payments for the last 6-7 months. I was told that my current balance was over {$1000.00}. I asked the phone representative how was that possible if that wasn't what I was told. He said well did you read the agreement, I told him no because I wasn't allowed to read it by the sales person. The sales person handled everything for me and only had me sign once everything was complete. I wish I would of read all these bad complaints before because it seems it has happened to a lot of people in a similar manner. It makes it seem like they all omit the contractual obligation since i don't think anyone would actually agree to a 100 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted transunion to tell them I have been a victim of their inquiry problem and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

Here is a list of inquiries desired to be deleted : XXXX  Inquiry : XX/XX/XXXX ( XXXX ) XXXX   XXXX XXXX XXXX  XX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 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 2018-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I went to my BB & T bank located at XXXX XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/18 at approx. XXXX ET to deposit a check from my home insurance company so I can begin work on my home after last months catastrophe. The check was in the amount of {$7700.00}. I went to the only teller available and was told that BB & T would not accept the check because on the back it was stamped with " Without Recourse XXXX XXXX XXXX XXXX By : Assistant Treasure signature. I explained the scenario to the teller that this check was originally sent from my insurance company to my mortgage company to make sure the funds would be used for the catastrophic repairs. I escalated the issue to the Branch Manager and he concurred with the teller that BB & T would not accept the check. I called XXXX, they were kind enough to educate me on the process of this sort of check and advised me that the language used on the rear of the check was standard legal language that is between XXXX  ( the mortgage company ) and myself the homeowner. In addition, XXXX suggested that I contact BB & T once again and have the branch contact their compliance team. I called the XXXX BB & T at approximately XXXX ET number for assistance and the representative advised that this decision is decided at the branch level. I asked if she could at least call the branch and have the branch contact the compliance team so that we could settle this issue. The BB & T rep from the XXXX number reached out to the branch and the representatives at the branch once again stated that they will not honor the check and that their compliance team will support that decision.

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 2018-04-25 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: OR

Complaint narrative:
I disputed the XXXX XXXX XXXX account on my credit as it should be marked " included in bankruptcy '' Equifax as well as XXXX XXXX XXXX claim they investigated and that the information reported is accurate. This is blatantly false. I filed Chapter XXXX on XX/XX/2018,  which shows in my public records section. 

They also added a random address on there that is MORE than SIX years old from XXXX XXXX. I want that removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is currently reporting on my credit report an account from XXXX XXXX. This account is for XXXX XXXX in the amount of XXXX dollars. This file is incomplete and inaccurate. The account did not arise from a written contract between myself or any of the above mentioned parties.

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 2018-04-25 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: GA

Complaint narrative:
I have dispute the bankruptcy reporting with TransUnion several times to no avail. I did not file bankruptcy   and the reporting is not mine. I have reached out to the courts to help me to get this matter resolved. The courts stated in writing that they do not provide information to any credit reporting agencies. So, is TransUnion considered a furnisher? This is not my bankruptcy and TransUnion has failed to plea their case to who is provided them with this false information. 

Please help me to get this matter resolved.

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 2018-04-25 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: CA

Complaint narrative:
I was contacted by XXXX XXXX about a debit that I have been disputing for months. The original account # XXXX, a debit that is originally dated in XX/XX/XXXX, and I have no knowledge of, so I would like XXXX XXXX to properly verify the debit with my signature or delete this incorrect debt from my credit profile.

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 2018-04-25 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: DISCOVER BANK
State: IA

Complaint narrative:
MY DISCOVER CARD WAS CHARGED FOR 2 CHARGES ONE ON XX/XX/XXXX FROM A XXXX   XXXX XXXX FOR XXXX AND THEN IN XX/XX/XXXX FOR INTERNATIONAL TRAVEL FOR XXXX I CALLED DISCOVER TO REPORT FRAUD ON BOTH CHARGES AND THEY NEVER GAVE ME MY MONEY BACK. I NEVER DID BUSINESS WITH THESE SAID COMPANIES AND I NEVER AUTHORIZED ANY OF THESE CHARGES. PLEASE HELP ME GET MY MONEY BACK PLEASE. THEY ARE ACCUSING ME OF MAKING THESE CHARGES AND I DID NOT AT ALL. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: MN

Complaint narrative:
Debt was due to Identity theft. Fraus alert was activated. Original 'creditor ' was XXXX XXXX XXXX XXXX   were notified of dispute and asked to obtain verification of debt as I was not contacted when credit was 'approved ' by them. Fraud alert required them to call me personally. They did not. Subsequently the collection was taken off my credit report. 
Now, XXXX XXXX are trying to collect the 'non ' debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Hi I placed an order online doing shopping I dont shop in person because I am disable, online is much easier for me I placed an order online with a website called XXXX I paid overnight shipping ( XXXX business ) days. I never received my merchandise, So I contacted American Express serve customer service spoke with XXXX explained what had occurred with not reiving what I had paid for that I have contacted the company ( yandy ) no response I was told due to company policy I have to wait 7 days even though I had paid for over night shipping .Once the 7 days expired I called back and my issue was still not resolved I submitted the proper documentations and receipts called back today to check on everything I havent really got an answer very upset they havent provided me with a provisional credit or anything I feel like my money was taking from me in company terms and policy states I am protected but from the looks of the situation I am not very heartbreaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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:
In XX/XX/2017 a fraudulent loan was taken out in my name in the amount of {$20000.00} and it was put onto my credit report. I contacted the company that issued the loan ( XXXX XXXX XXXX ) and also the 3 major credit reporting agencies XXXX, XXXX and Equifax and disputed the charge as fraud. I sent all 3 agencies the police reports and notarized fraud affidavits. XXXX  and XXXX immediately removed the fraudulent account from my credit. Equifax did not so I disputed the charge again and resent my documentation. Again they refused to remove this item from my credit stating the account was verified as accurate by the creditor ( XXXX  XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was contacted by XXXX XXXX on XX/XX/2018, regarding a debit with the original date of XX/XX/XXXX, account number XXXX, the debit is not properly verified as belonging to me, please verify the debit with my signature or remove from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I disputed the XXXX XXXX XXXX account on my credit as it should be marked " included in bankruptcy '' XXXX as well as XXXX XXXX XXXX claim they investigated and that the information reported is accurate. This is blatantly false. I filed Chapter XXXX on XX/XX/XXXX, which shows in my public records section. 

They also added a random address on there that is MORE than SIX years old from XXXX XXXX. I want that removed from my credit file.

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