vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 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: KEYCORP
State: ME

Complaint narrative:
The past XXXX of Key and the culture of his administration has relied on the motto XXXX XXXX XXXX. Key has increasingly externalized critical transactions such as transfers through anonymous call center personnel in other countries, where records have supposedly vanished and a bankruptcy of accountability prevails where and when expedient. 

Disputes over fees, misc. costs, fines, failure to transfer funds, etc. are deflected in a process where Key requires that these disputes be pursued with the Credit Bureaus and that it should be first processed through Key Bank. Obviously, these disputes are not with the Credit Bureau, which is of course only reporting Keys input. The dispute is with Key that uses Credit Bureau scoring as threats that can damage their clients borrowing ability, business line of credit, costs of insurance, etc. When these transactions such as money transfers through call centers in XXXX are contracted, it serves to externalize accountability of Key and masks their documentation of inbound calls, misinterpretation of client instructions and errors as simple as missing the submit button or forgetting to enter a transaction on their computer screen. 

When Keyss XXXX XXXX XXXX in Ohio is confronted with the details including identification of personnel making errors, the dismissive response is to bury the inquiry in XXXX pages of irrelevant white wash. 

If CFPD would like to make a difference, it would find a mother load in Keys exportation of liability to other countries to avoid accountability in Ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I am corresponding with you to report a flagrant violation of the FDCPA and XXXX by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, XXXX this company received a letter from me where I disputed the accuracy and validity of this account which is the result of the fraudulent activity which has reported on my credit report and asked that they block the account from my credit report. The company has done nothing and in violation of my rights have kept reporting this account as a valid account on my credit report. This company continued to report this account which is a violation of FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: NY

Complaint narrative:
this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XXXX/XXXX/XXXX both account 's

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 2017-09-13 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: NY

Complaint narrative:
this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XXXX/XXXX/XXXX both account 's

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this Account Number XXXX Account Type Installment LoanTerms67Months Date Opened XX/XX/XXXX this account was piad and was never lateXX/XX/XXXX please removed this late

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 2017-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: MS

Complaint narrative:
MY IDENTITY WAS STOLEN. AMERICAN EDUCATION SERVICES HAVE PUT INFORMATION ON MY CREDIT REPORT WHICH DOES NOT BELONG TO ME. 

I STRUGGLED TO PAY TUITION FOR MANY YEARS. I WROTE AN ESSAY DURING MY CLASSES AT XXXX XXXX AND THE SEMESTER PRIOR TO GRADUATING, THEY GAVE ME {$1400.00}. IF THERE WAS ANY MORE MONEY, I DO NOT KNOW WHO GOT IT. I DID NOT GET IT. 

I HAVE BEEN IN CHAPTER XXXX FOR 5 YEARS AND ANY BILLS THAT I HAD PAID TO CHAPTER XXXX. AFTER THAT ANY CHARGE OFF OR WRITE OFFS HAVE BEEN RESOLVED DURING THAT PERIOD. 

I DO NOT BELIEVE THAT THIS DEBT BELONG TO ME. SOMEONE HAVE BEEN USING MY ID AND MY SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE. 

I HAVE REPORTED THIS MATTER TO THE XXXX XXXX POLICE DEPARTMENT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
as you can see all the dates on this account are wrong i want to to be deleted name : XXXX XXXX XXXX SS # 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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I called Equifax customer service XXXX XXXX XXXX on XXXX/XXXX/XXXX to cancel my product. I was instructed how to do so online by a customer service rep, but the option to cancel was not available to me as I needed to update my debit card information since it had expired. I updated my information, the option to cancel became available, and I immediately cancelled the product. 

I checked my bank account and I saw that my account had been debited for the monthly subscription amount of {$8.00}. At no point did I authorize my account to be debited. I merely updated my payment information so that the option to cancel would be made available. There was no indication, either by the rep or on the website, that by updating my payment information my account would be debited. I have no interest or intention of using the Equifax product, and requiring payment information to be updated before being able to cancel a subscription is extremely abusive and misleading. 

I reached out to customer service immediately via e-mail and was provided the following generic response : " Refunds will not be issued for monthly subscriptions. If this is an annual subscription, you will receive a refund based on the original purchase price and the number of unused months still available for your product. There are no partial month refunds. '' My main issue is that my account was drafted without my authorization. I only updated my account information so I could CANCEL my subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America insisted that I make large payments on my credit card during the Era of Bank Aggression which I did. After many payments over the time frame which Bofa set up they claimed that I owed a little more to them as they had miscalculated the payment amount. That amount they turned over to apparently one of their collectors. I agreed to pay the remaining amount. The agency said that after I made all the payments required that I owed, so I agreed to pay which was about {$200.00}. The bank accepted the payment, but they said it did not matter that Bofa had been paid {$30000.00} from me, I was over thirty days late and had not been given an additional bill as I had paid five years and they had gotten all their money. No, Bofa had made an addition error and I NEEDED to pay the remainder which I did. The agency then said that I would be negatively impacted on my credit score for seven years regardless of the mistake of Bofa. I have proof that I tried to correct the error in XXXX. It is still on my report. They have been paid in full, but took to a punitive route after they got XXXX. 
I could not get loans are refi my home or get a car. They still will not remove the negatives.

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 2017-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I joined XXXX 's Gym a couple years ago. When I went in and signed up I was told all I need to do was visit my local gym to cancel my membership/call. All I needed to do was call/visit at least 30 days before my contract was up and inform them that I wanted to cancel. I visited the GYM and called at least 5 times to be told it was cancelled and I would n't receive any further charges. This happened month after month and they were charging me. 
On the last call she told me that the reason I was still being charged was because I needed to cancel 60 days in advance and that was the reason I was still being charged. I asked them to please review the phone calls that are " recorded '' and they would hear the previous reps that informed my husband and I that my membership would be cancelled. I have now noticed it hit my credit report and never received anything informing me that I still had a membership and am being charged-owe money!! I followed their instructions and kept calling to cancel. How can I owe money for something that was cancelled and when my contract was over! The first call to cancel was in XXXX and continued from there.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I found out about the Equifax system breach on XXXX/XXXX/XXXX and I immediately requested my consumer report from Equifax. A rep from Equifax informed me that my credit file was in fact heavily compromised with multiple new accounts overseas and that for my protection my file was " administratively '' frozen. The rep ( XXXX? ) further informed me that even though I verified my account verbally and submitted the requested photocopies of ID that Equifax will NEVER release my file as it was not just compromised, it was used fraudulently to destroy my credit. 

Furthermore, Equifax will not do anything with my consumer file. As soon as I verify my SSN on subsequent calls, i will be informed that my matter was resolved and hang up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I found out recently that there was a problem with verifying my social security number when I wanted to cosign a XXXX loan for my child. I dealt with the XXXX XXXX XXXX without success. 

After further investigation, I found out that I was reported as being XXXX  on XXXX XXXX, XXXX. 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being dead over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I found out recently that there was a problem with verifying my social security number when I wanted to cosign a student loan for my child. I dealt with the social security administration without success. 

After further investigation, I found out that I was reported as being XXXX  on XX/XX/XXXX 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being XXXX over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13 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: NY

Complaint narrative:
this Account Number XXXX Account Type Installment LoanTermsXXXX Date Opened XXXX/XXXX/XXXX this account was XXXX and was never late XXXX/XXXX/XXXX please removed this late

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 2017-09-13 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: NY

Complaint narrative:
this Account Number XXXX Account Type Installment LoanTermsXXXX Date Opened XX/XX/XXXX this account was piad and was never lateXX/XX/XXXX please removed this late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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:
this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving

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 2017-09-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax 's incompetence led to my social security number being exposed via a security breach and they now ask for money from me to put a security freeze, literally profiting from putting me at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is regarding the Equifax hack. The options provided on the previous screen did not fit this problem. 

In regard to the Equifax hacking - which took well over a month to be reported by Equifax - I was under the impression ( as per TV reports ) that I should go to XXXX and enter my information there so that I could find out whether my information was compromised. I entered all the information and the final screen read that my information may have been compromised.
Now I read in other news reports that my having checked whether I 'm affected may have rendered me ineligible to join class actions lawsuits against Equifax and/or TrustedID. This is outrageous. This is evergreen data. I can not change my DOB or SSN. If Equifax compromises my information and partners with TrustedID and they make it look like I 'm only checking whether I 'm affected - all the while stripping me of my rights - then I hope the CFPB will bring suit and prevent these shenanigans. 

I have done nothing to compromise my information and I had no choice as to whether Equifax has my information in its database. This is outrageous. Please protect us consumers from this. 
These credit bureaus are not optional. Our info ends up there whether we want it there or not. If they can not guarantee our data 's safety then they should be liable when they allow it to be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
OnXX/XX/XXXXI made a purchase of {$120.00} using my Kohl 's card. Kohl 's sent me multiple emails offering to match my payment of up to {$50.00} if I made a payment. On the XXXX due date ;XX/XX/XXXX, the balance on my account was {$190.00}. On this day I called and spoke to a representative who informed me that I would be receiving the {$50.00} credit and asked how much of the remaining {$140.00} I wished to pay. I paid the entire {$140.00}. On my next statement with a closing date of XX/XX/XXXX I was charged an interest charge of {$3.00} and given a minimum payment of {$3.00} due onXX/XX/XXXX. OnXX/XX/XXXX I made a purchase of {$130.00}. OnXX/XX/XXXX I called Kohl 's and was given a minimum payment due by the automated system of {$3.00}. I then followed the automated system through to learn the credit of {$50.00} I was previously told onXX/XX/XXXX would be reflected to my account onXX/XX/XXXX was not issued untilXX/XX/XXXX. I spoke to representative XXXX and then manager XXXX who informed my that my minimum payment was {$4.00} and despite that fact that I was disputing the charge that if I did not pay it my account would be charged a late fee. I was told that the {$4.00} minimum due was not due to the interest charge, eventually I was told it would be credited to my account but not for 24hrs and so the {$4.00} payment was to be deducted from the {$130.00}, and it was still due or I would incure additional fees. I was told numerous " truths '' / statements that were later reversed on the call. After 49 minutes on the phone a case was finally filled that would reverse any future late charges caused by this incident. I decided to immediately after the call make an online payment of the {$130.00} that I made onXX/XX/XXXX to avoid further complications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
We sent American Express our Biling Dispute for XXXX domain name registration services, whom I have had an account with since XXXX. 

The charges on my XXXX XXXX that ends in - XXXX inXX/XX/XXXX are absolutely discpouted and I do understand the domain names would also be cancelled. 

XXXX was really awful when I contacted them, saying that I only had 3 days to have the cancels and refund done. And they falsely claimed that they had pre-notified me about the charges for these ( 3 ) :  XXXX.org XXXX.XXXX XXXX.net and cancel the names and Refund the {$180.00}. 

I am really angry with American Express, because they communicated in our statement datedXX/XX/XXXX that they are investigating, on the above and attached documentation, including proof that XXXX did cancel at least 2 of the above domain names after I asked, but refused to refund our Credit Card with American Express! 

2nd- The worst problem of all- AMERICAN EXPRESS DECIDED TO DECLINE COMMUNICATIONS WITH ME, THEIR CARD HOLDER. INSTEAD, THEY TALKED TO XXXX ONLY AND PLAY THEIR FAVOR AND NOT ONLY DECLINE TO PROVIDE ME WITH DOCUMENT ( NOT EVEN A LETTER ) ON WHY THEY COULD NOT ASSIST IN THE LEGIT REFUND OF {$180.00}. THEY ARE VERY SNEAKY AT AMERICAN EXPRESS! 

THEY ADDED IT INTO THE FOLLOWING MONTHS STATEMENT IN XXXX AND THEY ARE VERY DECEITFUL. 

PLEASE FIND OUT WHY AMERICAN EXPRESS WILL NOT ASSIST WITH THE FRAUD AS DESCRIBED ABOVE AND WHY THEY REFUSE TO HONOR OUR CARDMEMBER AGREEMENT. 

Please see 2 docs attached! 

Thanks! 

- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: NY

Complaint narrative:
this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving

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 2017-09-13 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: NY

Complaint narrative:
this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving

Company response to consumer: Closed with explanation