vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 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: TX

Complaint narrative:
THE ACCOUNT OF DEPARTMENT OF EDUCATION/XXXX, IS REALLY AFFECTING MY CREDIT 'S STABILITY AND THE OVER-ALL HEALTH OF MY CREDIT REPORT AND SCORES. NOTHING WAS DONE TO SOLVE WHAT IS GOING ON WITH THESE ACCOUNTS AND A REASON TO WHY THEY'RE STILL REPORTING NEGATIVELY. APPARENTLY THEY ARE REPORTING 180 DAYS LATE IN PAYMENTS, WITH OUTSTANDING BALANCES OF : {$810.00}, {$1400.00}, {$1500.00}.

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 2019-08-13 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:
THE CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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:
Equifax ; XXXX  and XXXX  are failing to update my credit report to reflect medical collection accounts that are currently in dispute. The dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report. I respectfully request that this be addressed immediately. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful. Please update my credit report to reflect line items that are in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TX

Complaint narrative:
THIS NEGATIVE ACCOUNT APPEARS AS AN UNPAID CHARGE -OFF WITH AN OUTSTANDING BALANCE XXXX. THIS ACCOUNT 'S REPORTING OPEN DATE IS ON THE XX/XX/2014. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. IT IS REALLY AFFECTING ME A LOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI

Complaint narrative:
I made two purchases at XXXX XXXX XXXX using Tidewater Finance, under the agreement that if I paid off the loan within 12 months of receipt of the furniture, and there would be no interest. The first purchase was made on XX/XX/XXXX. I then made a second purchase at XXXX XXXX on XX/XX/XXXX and I again used Tidewater Finance. This purchase was not received for another 6-8 weeks, so I do not believe that I was charged until I actually received the furniture. It was my understanding again that if the loan for the second purchase was paid off within 12 months, there would be no interest. The last payment for the first purchase was received by Tidewater on XX/XX/XXXX. However, when I received my invoice I noticed that there was a significant increase in the balance. I called Tidewater and was told that because I had made a second purchase with Tidewater, both purchases would need to be paid off by XX/XX/XXXX in order for me to receive the no-interest offer. I explained that was not my understanding of the offer and that I was not told that at the time of the purchase. She then referred me to the bottom of the 3rd page of my payment statement, where both purchases were listed as two invoices. Thus, I was responsible for the complete payment. I spoke to a supervisor who was extremely rude of no help. She did, however, email me a copy of the invoices. In XX/XX/XXXX, I received an invoice that listed the final balance as {$100.00}. I sent this payment, thinking this was my final payment. In XX/XX/XXXX, I started to receive emails stating that my account was behind. I call to find out what is going on, and now there is supposedly another {$100.00} in fees. I spoke a representative and explained that I dispute these fees. She was nice and understanding and transferred me to a supervisor who again was rude. The supervisor agreed that I technically did pay off the 1st loan by the due date, but I was still responsible for the interest fees incurred. This was not why I called, I was calling about the current fees. When we could not come to a conclusion I explained that I would be filing a complaint. She said well I have to end this call. The supervisor, Tidewater is participating in predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XX/XX/XXXX I sent all requested documents to Honda Financial and XXXX stating that I was a victim of identity theft also I opened a dispute with both Honda Financial and XXXX. This account has been deleted from both XXXX  and XXXX but it's still reporting in XXXX. In addition during the time of identity theft I was hospitalized as well as home bound due to my XXXX  diagnosis.

I've also completed and faxed the ID Theft Affidavit to Honda Financial Services on XX/XX/XXXX. I have not received a response or updates on the status of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: NJ

Complaint narrative:
Disputed the debt by Fax as the Professional Account Management LLC " PAM '' mentions on their debt collection statement as one fo the method 's to dispute the debt.

When I spoke with the representative at PAM, i was informed that they have not received my dispute and the debt is still valid. They said that their fax number does not work that I sent the fax to dispute the debt.

This is a classic practice of stonewalling communication from a consumer and providing a mechanism of debt collection resolution ( in this case FAX ) and then saying their fax number does not work. This is practice is a violation of federal law on keeping debts open post a consumer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: CA

Complaint narrative:
THE CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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:
THE CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
I GET REPEATED PHONE CALLS TO MY WORK EVERY DAY OF THE WEEK. I'VE SPOKEN ONCE TO SOMEONE TOLD THEM TO CALL MY PERSONAL PHONE AND NOT WORK. NO MESSAGE IS LEFT.

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 2019-08-13 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:
I have incorrect information on my credit file as a result of identity theft : - XXXX XXXX XXXX XXXX - XXXX - OPENED XX/XX/2019 - BALANCE {$1400.00}

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 2019-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I received a call from a third party debt collection agency around in XX/XX/XXXX I told them I did not think the debt was valid and was working on my credit but wanted to make sure the debt was valid then the rep on the phone said well this could hurt your credit I disputed the debt due to it being labeled as a personal debt and not a medical debt tried to correct it with them and then they changed the debt age from XX/XX/XXXX to XX/XX/XXXX then started adding interest then my credit score dropped 100 points the name of company is Wakefeild and associates all I wanted was my debt age to be correct and it to be in correct listing this organization intentionally mislabeled the debt and changed the date which is unethical and I was threatened ( or felt they was threatening me and seeing how they actually did damage my credit it was a deliberate action )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
XXXX Date XXXX-19 Amount XXXX I could not have opened account was XXXX XXXX at 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 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A transfer of funds was initiated from our joint savings account of {$1000.00} to our joint checking account. The {$1000.00} was then sent to an individual that we have no knowledge of through XXXX   payment. XXXX has not been used previously on this account. The transaction was caught immediately and Chase was notified. The transactions were reversed and money was placed back into the appropriate accounts. Accounts were then frozen. The following day, the same transactions were processed and sent through a " frozen '' account. A claim was filed with Chase for fraud and an investigation was put into place. Chase refuses to refund the claim of {$1000.00} and accused my husband of processing this XXXX  payment because of a common IP address. Their logic does not make sense and they refuse to provide proper documentation to support the claim denial. We have spent hours and days on the phone with Chase customer service and meetings with local branches in the attempt to find resolution. The local Chase branch directed us to file a police report and re-open the claim. We filed a police report and then Chase denied the request to re-open the claim. Chase still refuses to provide documentation to prove how the claim was denied, will not process a refund due to fraud and will not deactivate XXXX  to minimize risk of this situation in the future. This was obviously a hacker and fraud but Chase will not stand behind fraud protection and has provided the worst possible customer service through this experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13 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: TX

Complaint narrative:
THIS NEGATIVE ACCOUNT APPEARS AS AN UNPAID CHARGE -OFF WITH AN OUTSTANDING BALANCE XXXX. THIS ACCOUNT 'S REPORTING OPEN DATE IS ON THE XX/XX/2014. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. IT IS REALLY AFFECTING ME A LOT.

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 2019-08-13 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: TX

Complaint narrative:
THIS NEGATIVE ACCOUNT APPEARS AS AN UNPAID CHARGE -OFF WITH AN OUTSTANDING BALANCE XXXX. THIS ACCOUNT 'S REPORTING OPEN DATE IS ON THE XX/XX/2014. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. IT IS REALLY AFFECTING ME A LOT.

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 2019-08-13 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:
I have incorrect information on my credit file as a result of identity theft : - XXXX XXXX XXXX XXXX - XXXX - OPENED XX/XX/2019 - BALANCE {$1400.00}

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 2019-08-13 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:
I have incorrect information on my credit file as a result of identity theft : - XXXX XXXX XXXX XXXX - XXXX  - OPENED XX/XX/2019 - BALANCE {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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: NY

Complaint narrative:
unauthorized hard inquires

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 2019-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: ALLIED NATIONAL INC
State: NY

Complaint narrative:
We hired XXXX XXXX and XXXX XXXX XXXX Debt Collection to handle collection efforts for an outstanding account. In XX/XX/XXXX, XXXX informed me that he was receiving money and that he would be sending checks to our company within the coming weeks. Weeks went by and we received nothing. I followed up by e-mail and phone calls on numerous occasions. Many went unanswered. When XXXX did answer, he told me that the company was closed, they moved offices, there was a problem at the bank, etc. I spoke with the attorney for the case on XX/XX/XXXX and learned that Allied National received {$3400.00} to date. Allied National did not send any funds to us. When I spoke to XXXX again, he told me there was an issue at the bank and that he would get back to me within a couple hours. 10 days have passed and I have not heard anything else. I called and e-mailed XXXX XXXX on a daily basis. The attorney has been unable to reach them as well.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-13 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
My lease vehicle was involved in a car accident on XX/XX/XXXX. I was not the driver, my son was driving. I contacted GM Financial to find out what the next steps would be, if my claim was denied. I was told, in a recorded conversation by GM Financial, that " we would need to pick up the vehicle and sell it at auction. We would take that amount off the amount you owe and then we would file a gap coverage claim since all lease vehicles come with gap coverage '' I then called again to the Total Loss department and spoke with a different agent who stated they were waiting for XXXX to release the vehicle. I contact XXXX and the vehicle was released on XX/XX/XXXX and picked up by GM Financial on XX/XX/XXXX. Immediately after this, I had a credit alert notification that my vehicle was placed as 'Derogatory, Repossession ' My issue is the fact that after numerous calls ( nobody from GM Financial has reached out to me ) I was never once told that if GM picked my vehicle up that it would hit my credit as a repo ( this was over 200 points against my credit report ). I am devastated at this. I was never given the option, or choice. It is all in their recorded calls. I have left messages for a supervisor to call me back, and still, not one call. I continued making my lease payments since XX/XX/XXXX so my credit would not have a negative impact. I have never missed a payment, or made a late payment, and now this. No calls to explain to me what is going on.

Please help!

Kind regards - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
As a college freshman, I took out a {$4000.00} loan to attend XXXX. It has been over a decade and I have PAID to Wells Fargo over {$10000.00} and I still owe nearly {$8000.00}. In the end, I would pay over 4 times the original loan amount. How is this legal?

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 2019-08-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, my CitiBank Best Buy card was charged {$200.00} for a XXXX XXXX renewal. I was not informed of this renewal charge at any time. I did not receive a bill in the mail from Citibank Best Buy nor did I receive any notification from XXXX XXXX this charge was to occur. 

On the morning of XX/XX/XXXX, I received a text message stating my Citibank Best Buy Credit Card was delinquent. I therefore called Best Buy Citibank who stated that I would need to dispute the charge with XXXX XXXX. I contacted XXXX XXXX and spoke with XXXX who stated that the full {$200.00} would be refunded to my account within 24 hours and that I would receive confirmation of this. 

After waiting more than 24 hours non of the charges were refunded, therefore I once again contacted Best Buy and Geek Squad. Initially I spoke with a representative of Best Buy Citibank. I mentioned that to her that I never received a bill from Citibank concerning this transaction. She stated that according to their records one was sent but agreed to waive the charge since sometime mail gets lost. 

I then spoke with Geek Squad Supervisor XXXX from XXXX XXXX, who stated that " since my Geek Squad Renewal was not cancelled within 30 days, they were only able to prorate the charges and not the full amount ''. XXXX said that XXXX XXXX sent an email informing me of this renewal prior to the charge being applied. XXXX than verified an incorrect email on file. I NEVER received email renewal notification since it was sent to an incorrect email address!. 

After the XXXX XXXX prorated charge was removed, my Best Buy Citibank card now reflects a delinquent balance of {$34.00}. XXXX XXXX says they cant remove the charge since I did not cancel within 30 days ( I was not notified of this transaction more than 40 days after it occurred ). Best Buy Citibank says they can't remove a charge which was authorized ( I never authorized this charge ). 

After 4 days of phone calls and more than 5 hours on the phone I have finally be able to lodge a dispute with XXXX. However they are still reporting my delinquent and threating to negatively impact my credit if payment is not made on the remaining balance. 

Having never missed a single credit card, installment or mortgage payment, I take my credit very seriously. However at this point I believe I am being extorted to pay for a service I did not ask for, never received notification of renewal, never received a bill and never used. This is a prime example of UNFAIR AND DECEPTIVE PRACTICES!

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