vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-17 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: WI

Complaint narrative:
First Investors Financial is claiming my payment was not made in XX/XX/2019. I have proof that my XX/XX/XXXXpayment of {$340.00} was made on XX/XX/2019. This was my final payment to pay the loan in full. It even indicates this in a statement on their website! Yet they claim I was over 30 days late in XX/XX/XXXX on my credit report. I requested an investigation through XXXX and First Investors didnt correct the issue, they left it as if it was accurate. I want them to correct this bogus entry immediately! I would appreciate any suggestions you have to correct this issue. Attaching screen shot of records from First Investors Site backing up my claim. 

Thank you in advance for your assistance with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is illegaly re-aged. This account was not investigated properly, the date of last active is not reported the same as the other bureaus. Also the payment history is lacking a 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 2019-11-17 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: CITIBANK, N.A.
State: MA

Complaint narrative:
This is illegaly re-aged. This account was not investigated properly, the date of last active is not reported the same as the other bureaus. Also the payment history is lacking a 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 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Date XX/XX/XXXX @ XXXX To : TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX From : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Strange Activities : Someone is going to the credit-reporting agencies changing my address. Also, my security freeze has been removed from my credit file. 

When I received a notification on my phone XX/XX/XXXX, I called the credit-reporting agencies on XX/XX/XXXX and other dates requesting a Fraud Alert on my credit file. While talking to TransUnion Customer Service - Fraud Dept, the lady told me I can also put a freeze on my account, too. She allowed me to pick my security freeze ID number over the phone. As of XX/XX/XXXX, the freeze status has been removed and someone went into TransUnions system and posted the old address. I was shock to see old information because I received letters from TransUnion coming to my current address. I found the old address accidentally, on XX/XX/XXXX@ XXXX XXXX and I changed the address to the current address. I found out if there are discrepancies on the credit file, the credit-reporting agencies, all the companies, I may want to get credit from and including myself will be unable to do a identification verification requirement. 

SEE ATTACHED DOCUMENTS : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX2019 4. XXXX XXXX XXXX XXXX XXXX XXXX2019 5. ssn

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 2019-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, i applied for small line of credit and was approved for a {$700.00} line of credit, with {$150.00} interest, {$850.00} was paid back, i never had issue with the loan company, I've been nothing but a good loyal customer to this loan company, we're on XX/XX/XXXX and if i lasted that long with them it's because of my loyalty, but i realized that my loyalty and kindness were taken for weakness, on XX/XX/XXXX i requested {$100.00} increase on my credit line, {$800.00} comes with an {$200.00} interest, {$1000.00} was paid back, i was rarely withdrawing money from my account unless i have an emergency, and i remember that i was planning to close this account forever, in XXXX i did talk to an agent about closing the account, but i was told on the phone that i don't need to close the account since there is no fees associated on keeping it, they convinced me that i should keep my account opened since i have nothing to lose. The most mistake that some loan company makes is thinking about themselves first, how much they could benefit from you ( which i understand, that's how they make their living ), but sometimes they're doing too much, i mean really too much, they'll make up some interests and fees, only to keep you on hold, and make sure you won't be able to pay off so they can benefit more. i came to notice a huge amount of fees interest charged to my account, and i really did not know where is coming from, my credit line was automatically increased to {$900.00} which i never asked, why increase the line without consulting me first, this is an absolute fraud, a perfect robbery. the only answer i got on the phone is i was qualified for automatic increase since i'm a good customer, they did not realize that they turn a good customer to a bad one. because i called my bank and blocked them, on the app it says {$800.00} credit limit but as i investigated in my statement, i see {$900.00} credit limit, i knew that {$800.00} credit limit can not generate those fees and interest even thought i withdraw sometimes. I think they're the one who owe me for overcharging me for a credit line that i never ask, in top of that i've been harrasse by phone for payments which they should be responsible and owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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 never had this account and documents was submitted too me too verify who and where this service was and know identification was show too verify this was me or sign contracts. I did of dispute before for XXXX XXXX XXXX and all the accounts was remove from my credit. Now of collection company is reporting some of the same accounts that was was disputed and remove and identify protections was put on my credit because of these dispute. Experian calms they submitted proofseen me the proof so I can sue this company for help stealing my identity and holding me responsible for someone else debt. Its not fair people can steal your identity and credit reporting company with out know proof put miss information on your report. I never received know information about this debt from know one. I just got of alert saying I have of new collection item on my credit report. Experian needs too explain and show me proof of this debt or they will be added in my law suit also.They are valeting my rights that are due too me.

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 2019-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: AL

Complaint narrative:
I received a call a few months ago, about a bill in the amount of {$1300.00} from service dating back to XX/XX/XXXX and i had no notice before this call about this bill, no calls and no bills. If i have no notice about a bill from 5 years ago how can can they do this to me now? 
I am also pretty sure when i got the call they said the date of service was from XX/XX/XXXX which would make it XXXX years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Have contact chase 4 times since XX/XX/XXXX2019 to close account. Was told it would be closed and funds would be received within 7-10 Checking account funds of approx {$2000.00} have not been received. Each time i inquire I get the same standard response. Have contacted them on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. They have been little to no help, and now my account is showing closed yet I do not have any funds. Unable to now access any account statements online either ... Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: STATE FARM BANK, FSB
State: AR

Complaint narrative:
ON XX/XX/2012 AND XX/XX/2012 WE APPLIED FOR A MORTGAGE WITH STATEFARM BANK-NMLS VIA XXXX. SEE ATTACHED. WE WERE DENIED BECAUSE OF XXXX SUPRESSING OUR CREDIT FILES..AND NEVER GOT LETTERS OF ADVERSE ACTIONS FROM ANYONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
An auto loan was fraudulently opened on my behalf. 
Three months ago, an auto loan was opened by Ally Financial for purchase of a used XXXX  XXXX XXXX. The information provided to open the loan was my maiden name and my SSN, but not my address and phone number. No payments were ever made towards the loan, and the loan is negatively affecting my credit score. I was first notified when my current bank alerted me that my credit score dropped significantly over the last week. I have called the originating lender and placed a Fraud Alert at the three credit bureaus.

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 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC
State: AR

Complaint narrative:
ON XX/XX/2012 AND XX/XX/2012 WE APPLIED FOR A MORTGAGE WITH XXXX XXXX-XXXX  VIA CREDCO. SEE ATTACHED. WE WERE DENIED BECAUSE OF XXXX/CREDCO SUPRESSING OUR CREDIT FILES..AND NEVER GOT LETTERS OF ADVERSE ACTIONS FROM ANYONE.

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 2019-11-17 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: TIDEWATER FINANCE COMPANY, INC.
State: AL

Complaint narrative:
A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these four companies dated XXXX XXXX, 2019 from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Tidewater Motor Cred. I did not get another vehicle and would like these inquiries removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
this bank at Wells Fargo here in XXXX Georgia went into my account not once but twice said that I made a reservation with the XXXX XXXX XXXX XXXX Georgia and I didn't money was taken out of my account and was not putting that I sent the information to Wells Fargo when I did travel to XXXX Georgia what hotel that I used and they still did not put money in my money back into my account Wells Fargo went into my account twice and took money out when XXXX was {$110.00} and the other fee was {$100.00} and they did not put my money back into my account and I sent them the credit card and the information from the hotel that I used in XXXX Georgia when I went there I did not make any type of reservation with XXXX XXXX XXXX   XXXX this Bank accused accused me and how can a bank accuse you of doing something like that and I told him I did not stay there I told them this was fraudulent but they still didn't I quit my money 's dad even though whoever use my my information got my information from that bank I have had many problems out of Wells Fargo

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 2019-11-17 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: CT

Complaint narrative:
I spoke to XXXX the manager and told him how I was having issues submitting disputes online for inquiries and an address that I never lived at XXXX XXXX XXXX XXXX. I disputed these inaccuracies as fraud and Equifax refused to investigate or remove them. After speaking to XXXX and requested that these items be disputed XXXX said he would send it for manual dispute. The next day I woke up and found my account blocked online and after the representative XXXX XXXX verified my information he said the supervisor said that my account is blocked and under investigation. So Equifax punishes me because the refuse to do their job. This is my fifth complaint and I would like the ombudsman to take a look into my complaints about this company and their incompetence. If unresolved I will file legal action against equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: CA

Complaint narrative:
equifax is reporting US DEPT OF ED acct.no, XXXX The account IS TOO OLD TO BE ON FILE. 
I have not made a payment since XXXX2011.I never paid any money to the {$9100.00} original balance.I never used any of the loan proceeds to pay for school.I never went to school or passed any courses using this money.There is no payment history from me or proper deferment earned.The account is inaccurate and TOO OLD TO BE ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: AL

Complaint narrative:
A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these four companies dated XX/XX/2019 from the following companies : XXXX XXXX XXXX, First Investors Fin, XXXX XXXX XXXX, XXXX XXXX XXXX. I did not get another vehicle and would like these inquiries 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 explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
Amcol Systems is reporting an amount of {$140.00} owed for a medical bill to XXXX XXXX XXXX XXXX. I'm getting weekly updates from XXXX   indicating that Amcol Systems is updating the reported debt by increasing even though the debt has been paid in full. Have indicated to both XXXX and Amcol that this has been paid and provided proof. Amcol is repeatedly breaking the law and is committing fraud by trying to collect a debt they know to be not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX  was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these companies dated XXXX XXXX, 2019 from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, Consumer Portfolio S, XXXX XXXX XXXX, XXXX, XXXX, I did not get another vehicle and would like these inquiries removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Hello, I hope all is well. You previously helped my husband, XXXX XXXX, with his new TD credit card. Specifically, he was unable to see his credit card on the tdcardservices website. His old card was displaying instead of his new card. The same issue is now happening to me. My old closed card ending in XXXX is displaying, instead of my new card ending in XXXX. See the attached screenshot. 

Also, if not done so already, please update my name in your systems from XXXX XXXX to XXXX XXXX XXXX. Marriage certificate and drivers license are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17 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: Avid Acceptance, LLC
State: AL

Complaint narrative:
A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX  was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these companies dated XXXX XXXX, 2019 from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Avid, XXXX, I did not get another vehicle and would like these inquiries 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 explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My XXXX XXXX XXXX was totaled, contacted financial company Ally debit was paid by gap insurance and XXXX insurance. Ally is stating I owe a balance of XXXX to them because my loan was not paid due a push back loan arrange nothing was sent in the mail and also the insurance company paid the car off. Ally is stating payment is XXXX. Nothing was sent after full payment was received stating i owe a balance of XXXX after both insurances paid my car off and it was a balance my insurance would have not paid the car off until any owed balances where paid off this not accurate .I 'm disputing this matter this issue has been hindering my credit since 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 2019-11-17 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:
XXXX XXXX is reporting an amount of {$140.00} owed for a medical bill to XXXX XXXX XXXX XXXX on my Experian report. I'm getting weekly updates from Experian indicating that XXXX XXXX is updating the reported debt even though the debt has been paid in full. Have indicated to Experian and XXXX that this has been paid and provided proof. Experian is repeatedly breaking the law and is committing fraud by repeatedly reporting a debt they know to be paid in full before the debt is being reported as past due.

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 2019-11-17 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:
Not my account

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