vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 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 no knowledge of these accounts listed on my credit report. No one should have my personal information to apply for credit card loans without my permission. These accounts do not belong to me therefore they should not be reporting on my credit. 

XXXX XXXX XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX   XXXX XXXX  XX/XX/XXXX {$0.00}

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 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I worked for XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX directly paid XXXX for my internet service at my resident. I never received any billing statement from XXXX. Everything was handled directly between XXXX and XXXX. 
I moved and ended my employment with XXXX on XX/XX/XXXX. I received a letter from Credit Management dated XX/XX/XXXX to my new address attempting to collect {$120.00} for XXXX. I called XXXX on XX/XX/XXXX to resolve issue and they confirmed the account was XXXX corporate account. I also called Credit Management to dispute my collection account. I finally received a letter from Credit Management dated XX/XX/XXXX that they had reviewed account and resolved it. The letter stated " Our office has reviewed the above-referenced account and we have made the decision to discontinue our collection efforts. Rest assured that no information regarding this account has been reported to the credit bureaus by this agency. '' However, recently, I checked my credit reports on XX/XX/XXXX and noticed this Collection account is on my file. It damaged my credit score and my credit history. I have disputed with all XXXX credit agencies. XXXX   and XXXX  did not resolve my issue. It's very frustrating process. Please assist me to resolve this issue and make sure the collection account is removed from my credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I withdrew a Payday Loan from Amscot for 500.00. From its XXXX XXXX location in XXXX, XXXX XXXX Florida. I also closed my bank account attached to my profile a few days after when I was notified that they could not change the payday of my loan to my actual pay date which was not the XXXX of XXXX but the XXXX of XXXX. Amscot has done this for me in the past and it shows on my past receipts when they were paid and when the loan was issued in their system as well. I would ask them to fix their system limitation and add an extra 5 days by contacting management and I had no issues 2 previous times. I received a phone call from an employee there telling me that they were pulling a check anyway when it was not possible. What she was really saying was she was going to fraudulently lie in their system when the process was not going to go through and try to collect miscellaneous and fraudulent fees. I have a long history of paying back my loans with the company and they did not attempt to do what this employee on the phone was trying to do. I am asking for management to fix the apparent customer service issue that I am currently experiencing at Amscot. And to be contacted personally about this particular locations malicious behavior towards my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Legal expenses not reported and collected ( XXXX and XX/XX/2016 ) for {$400.00}. Insufficient funds charges, other charges and title cost not reported and charged for {$55.00} ( XXXX and XX/XX/2016 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: MO

Complaint narrative:
On XX/XX/2019 i revived a credit inquiry alert that XXXX ran my credit. Which i did not authorize, i do not have XXXX and i have never had XXXX. I have gone round and round with Transunion about getting this inquiry removed. They keep asking for a letter of dilution or a letter stating that i do not have an account with XXXX, yet XXXX keeps advising me that they do not give letters of dilution or a letter stating that i am not a customer because they can only do that on active or inactive accounts not accounts that don't exist. XXXX has adv me that Transunion should be able to send an electronic request to XXXX about the inquiry and could clear everything up. Transunion is being very difficult do deal with and i just want the situation cleared up. I did try to do a request of investigation on the Transunion dispute page but that can only be done on open or closed accounts, no where to dispute an inquiry so i did put my information in a customer statement form, i did revive a response stating that the investigation is done but the only thing it did was update what my statement was to the account. I feel like i am the vicitim here as i am having to spend hours to get a situation fixed that i did not create when Transunion is refusing to do a simple electronic request which they are telling me they can not do because they are regulated under FRC. If anybody could help it would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or about XX/XX/2019 I reported a number of unauthorized charges made using my Visa debit card. I requested a new Visa debit card to be sent to me via expedited delivery. As of todays date, I have not received any adjustments on my account for the fraudulent charges, any of the 6 fees associated with the charges, and three of my checks have each been returned due to the banks failure to adjust the charges. US Bank advised me that they would take as long as 10 business days to adjust the charges on the account, basically leaving customers with no ability to recover their funds sooner. The bank should not expect customers to cover negative balances and fees caused by unauthorized charges. 

Most disturbingly, however, is the fact that when I deposited a check into my account on Sunday, XX/XX/2019 to cover the fraudulent transactions, my check was adjusted from my account because the name on the check was slightly misspelled from my name. US Bank has  been completely unable to assist me with my matter, Ive experienced the most incompetent and disrespectful customer service of any bank Ive dealt with, and the Branch has conceded that they, too, have no ability to assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
A collections listing from Diversified Consultants for approximately {$1000.00} was entered onto my XXXX  and XXXX  credit reports around XX/XX/2019. As soon as I noticed this, I sent the collections company a request to validate the debt. In response, the company sent me a letter that simply stated they verified the debt is valid. They did not provide me with any proof whatsoever. I have now requested proof twice, and each time they send me a letter that simply states they have investigated and the debt is valid.I have attached all letters I have sent them and the letter they sent me they incorrectly consider proper validation under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been attempting to claim my annual free credit report from, XXXX, Transunion, and XXXX on annual credit report.com and after filling out my infomation it told me that It could not verify my identity and that i would have to mail my information to the po box of the bureau and I have not due to fear of the information i have aready lost and even greater fear that my identity may have been compromised I have tried to get my free report multiple times but to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: NY

Complaint narrative:
I Have no knowledge of these accounts listed on my credit report. No one should have my personal information to apply for credit card loans without my permission. These accounts do not belong to me therefore they should not be reporting on my credit. 

XXXX  XXXX  XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXK XX/XX/XXXX {$540.00} XXXX  XXXX XXXX  XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 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:
I Have no knowledge of these accounts listed on my credit report. No one should have my personal information to apply for credit card loans without my permission. These accounts do not belong to me therefore they should not be reporting on my credit. 

XXXX XXXX  XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$540.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00}

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 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I was selling some furniture on the website XXXX. I was sent a check to pay for the bed I was selling and for shipping the bed to the recipient. 
I deposited the check I received into our checking account at Suntrust bank on XX/XX/2019. I called the bank on XX/XX/2019 and was told the check had cleared and funds were available as well as verifying on e-banking. I used XXXX to send {$1000.00} to Ms.XXXX XXXX of XXXX, VA as I was under the impression Ms. XXXX was the mother of the person buying the bed. On XX/XX/XXXX, I sent another {$1000.00} to Ms. XXXX after calling the bank and again confirming the money was in our account. I was asked to send another {$500.00} of the money to Ms. XXXX. On XX/XX/XXXX after funds had been sent we were notified the original check I deposited had been returned to Suntrust for insufficient funds. 
The original check was for {$2800.00} and Suntrust charged us {$36.00} for insufficient funds in our account. 
We filed a police report with the XXXX Police Department on XX/XX/XXXX at the XXXX   XXXX Precinct at XXXX XXXX XXXX XXXX, XXXX GA XXXX complaint # XXXX We feel Suntrust has a fiduciary responsibility to protect us by confirming reliably the validity of the check clearance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
The beginning of XX/XX/2019 my work computer was hacked with severe viruses. My bank accounts were compromised before our IT Dept could address and fix the issue. This resulted in several issues with getting fraudulently funds returned to my accounts. This issue in particular has been on-going with M & T Bank since XX/XX/XXXX. After reporting the fraudulent charges I was told that I would receive an Affidavit in the mail and to return this to the bank. The closest branch to where I live is over 1 hour away. When I finally received the letter and affidavit from M & T Bank for signature and return the letter was dated XX/XX/2019 with a return to M & T Bank date of not later than XX/XX/2019 - I DID NOT RECEIVE THIS LETTER UNTIL XX/XX/XXXX ( why did they wait so long to mail this paperwork to me??? I phone the bank daily advising i still hadn't received and they assured me it was mailed ) which I immediately reviewed and noticed that out of 6 disputed transactions, they bank ONLY sent me affidavit 's for 5 of the 6 transactions. I signed the 5 affidavits and returned them by fax to M & T 's Fraud department fax number on XX/XX/XXXX and then again on XX/XX/XXXX - all of which included a letter from my employer 's IT Support company explaining the computer hack/virus problem. When I phone M & T Bank AGAIN on XX/XX/XXXX I was informed that they did not receive any of my documents that were faxed on XX/XX/XXXX or XX/XX/XXXX. I again faxed the documents for a third time that day XXXX XX/XX/XXXX ). As of today, XX/XX/XXXX I have not received any positive feedback or refund from the fraudulent transactions by M & T Bank. 
Fraudulent transaction list as follows : XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XXXX value of fraudulent charges : {$100.00}

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 monetary relief
Consumer complaint received 2019-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi, I have had a credit card with Bank of America for 5 - 6 years. In XXXX of XXXX they gave me a promo of no interest on balance transfers for 12 months. I moved some balances from other cards and enrolled in auto pay to pay the minimum payment of {$65.00}. In XXXX of this year I received an email stating I was past due. I could not understand how this was possible since I was on auto pay. I called and spoke with a representative who explained that my promo ended which increased my minimum payment to {$91.00} and therefore my minimum payment amount was not covering the minimum amount due each month. I explained that I had set it up to pay the minimum payment so that should have automatically changed. He informed me that it was set to pay {$65.00}. I told him the online auto pay option required you to enter an amount. He said that he understands it is very confusing online, but there was another option to select minimum amount due. I argued that there wasn't clear instructions online explaining that by selecting a flat amount it may not cover the minimum amount due and should instruct you to choose another option if you are wanting to set it up to pay the minimum amount due each month. At that time ( XX/XX/XXXX ) I paid the minimum amount due over the phone of {$200.00}. They reversed all my late fees and additional interest due to the error, but informed me I was reported 30 days delinquent in XXXX of this year. I explained that should be reversed since it was due to them not changing my minimum amount due. I asked for guidance on how to enroll correctly to set up the minimum payment. The representative told me I would have to speak to someone in another group. I called that department and after 15 minutes the representative could not figure it out and said they get lots of complaints from customers on how to set that up. After another 10 minutes I finally figured it out on my own. In XXXX I received another email stating I was past due. I called back and again asked how this was possible since I fixed this the previous month. The representative explained it can take two billing cycles to start. I told him that was never shared with me, so they apologized and removed the late fees again. All of this could have been prevented if their website wasn't so confusing on how to enroll in automatic payments to pay the minimum amount due. Please remove the 30 day delinquency from BOA since it was due to their errors on their website and lack of communication on how to instruct their customers on how to set up auto pay correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-26 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: RI

Complaint narrative:
Hi, on XX/XX/2019 i sent a letter to Transunion XXXX asking them to send me proof of a some items on my credit file which i do not recognize as my rights under the FCRA sec tion 609, also asked them to send me proof of any documents that they have on their files that proof that any of those accounts are mines. the letter was received via certified return service receipt on XX/XX/2019. They responded to me saying that all of those accounts are verified as accurate. i sent another letter to them on XX/XX/2019 repeating to them to please send me proof of the investigation the had where they proof those items belong to me as my right per the FCRA. That is the second letter i sent them begging them to send the information that they used to " verify '' those items on my credit file. Also they told me also to contact the original creditors which i also did on XX/XX/2019 and none have responded to my letters asking them for any document where i signed any piece of paper or contract. please tell them to send me the proof that they investigated those items, who verified them? how were they verified? who did they spoke to? attached are the two letters i have sent 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 explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
I sent Equifax a police report in XXXX about my identity theft XXXX agency was advised and notified XXXX acct XXXX Charging XXXX XX/XX/16 ... I contacted cfpb about it already they told cfpb that they will remove it but didnt I need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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:
Some one has use my social security and got school loans from the Dept of Education/ XXXX . I contacted them about this. They been giving me a run around.It been over 5 years. They never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: Navient Solutions, LLC.
State: UT

Complaint narrative:
I have Contacted the department of education to investigate my student loan the for profit school that illegally got me into it under the lie that my credits where accredit and I could transfer into any school with also my master promissary note that didn't have my signature on it it wasn't mine it was electronic and I signed all my financial aid work at XXXX navient failed to provide my original promissary note. Yet they continue to report to the credit bureau during an ongoing investigation that according to the news in the paper could last year 's and in the process there during destroying my credit

Company response to consumer: Closed with explanation