vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 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: TX

Complaint narrative:
I have been dealing with the Credit Bureaus and I have sent them all documents that they ask for to prove that I had fraud to my credit.

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 2019-07-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Stated that my XXXX payment was considered late when it wasnt, I made two payments in XXXX which would have brought my account current. Incorrect information is being reported to the credit bureaus! I want a full investigation and proof of late payments and I want the correct balance reported.

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 2019-07-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Stated that my XX/XX/XXXX payment was considered late when it wasnt, I made two payments in XX/XX/XXXXwhich would have brought my account current. Incorrect information is being reported to the credit bureaus! I want a full investigation and proof of late payments and I want the correct balance reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
{$500.00} was taken from my account by a fraudulent user on CashApp on XX/XX/2019. CashApp made it seem like I was only approving the message from the user and not the actual transfer of funds from my bank account to the fraudulent requestor. When I instantaneously realized what happened there was nothing that CashApp could do to disable the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I only recently found out about this collection activity. It has been on XXXX for years apperantly. I had a legal service that said they could never find out where the debt originated. I have never ( in the 7-8 years at my current address ) even been notified by this collection company of any debt owed or otherwise to be able to dispute. When i did find out from XXXX, i could not dispute for whatever reason. 
Now its on another credit XXXX and I cant bring it up. 
These people have by holding secret from me, cost me probly thousands in high interest rates not to mention kept my score artificially low causing undue stress over a low score. If you see my credit report you will see no missed payments, late payments, non payments for years. any time i have been notified that I owe money it has been promptly paid. Had i known that there was a bill out there I would have made contact and delt with it. I am absolutely going to take whatever recourse ( which as you know i likely have none ) to be able to hold this company responsible for years of holding me back artificially with my credit score. I am disgusted with this credit system where the people who are kept down FOR WHATEVER REASON get screwed for years by a complex and underhanded system designed to never be able to get ahead. What a horrible way to treat American citizens. Rash and Curtis should be disbarred for what they have done to likely lots more victims than myself. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On my first complaint to Capital one bank they provided a response stating that because the application was fraudulently submitted that they would contact the credit bureau to have the inquiry removed. KOHLS/CAPONE inquiry date is XX/XX/2018 is the inquiry in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I filed a dispute with Wells Fargo on an unauthorized charge. The reason why this is an unauthorized charge was that I canceled the gym membership in accordance with the gym contract - in a term such termination of account withdrew my consent of further withdraws. 

I received a letter on XX/XX/XXXX that my dispute was denied for the amount of {$99.00}. 

The gym membership was canceled on XX/XX/XXXX - the contract required 30-day notice of cancelation. The gym contract should have been canceled on XX/XX/XXXX a day prior before dues were taken out. That was not the case.

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 2019-07-23 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: LA

Complaint narrative:
Ive reached out to Equifax a plethora of times but the situation hasnt been fixed yet. Theres a delinquent account from XXXX XXXX for a total of {$1000.00} still showing on my credit report when Ive never attend this establishment. XXXX  removed the fraudulent listing from my report Im just waiting on Equifax to do the same. Its been months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I tried to contact this collection company, in reference to Resurgent Capital Services asking them to send Verifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$820.00} is mine from XXXX XXXX XXXX. They have failed to verify this account which has hurt my ability to obtain credit. This collection company has sent several collection letters but no sign agreement. This acct doesn't belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX report permantently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I requested my credit report to get fraudulent inquires that I didn't initiate removed from damaging my score. I sent Equifax a letter 30 days ago and theyve yet to respond I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I requested my credit report to get fraudulent inquires that I didn't initiate removed from damaging my score. I sent XXXX a letter 30 days ago and theyve yet to respond I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is 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 2019-07-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I requested my credit report to get fraudulent inquires that I didn't initiate removed from damaging my score. I sent XXXX  a letter 30 days ago and theyve yet to respond I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is 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 non-monetary relief
Consumer complaint received 2019-07-23 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a secured credit card with Fifth Third Bank up until XX/XX/XXXX of last year for whatever reason after making my payment they did not posted to my account XXXX Dad closed my account and kept my {$300.00} security deposit they claimed it covered the fees and close the account and I thought all was good. Then in XX/XX/XXXX I noticed it was reporting late on my credit report and there were fees associated I went through all three credit bureaus and disputed this I later received a letter from Fifth Third and the credit bureau saying that the account was corrected which at the time it was now here we are six months later and they claim over {$300.00} in fees keep in mind this is an account that was secured with my own money not borrowing Theres they made up all these fees and they refuse to do anything about it while they continue to report negatively to my credit on a secured card that was my own money. I have tried multiple times to talk to them with no help what so ever this needs to be removed and closed as these are false charges that fifth third made up as they seem to do often!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have complained many times that the credit reporting by Experian is inaccurate and they always just say wait awhile, it will be fixed later and yet it never is. They are incapable of providing accurate information and do not take responsibility for their errors. This is a fake service, designed to serve only their needs and not the consumer 's needs. I can not find any way to cancel and when I mention it on the phone I am immediately disconnected. 
I want to be a part of the class action lawsuit against them since they are responsible for reducing my credit rating, releasing my personal information and my fraud complaints have multiplied over the last 2-3 years. I have spoken to many ineffectual and uncaring agents on their phone support lines and am just tired of paying them to degrade my credit for random incorrect reasons ( like I paid a utility bill with another bank account ) and not raising it for legitimate things like paying off thousands of dollars of debt, getting 3 new credit cards with {$9000.00} dollars in new credit available. This company should not even be allowed to report credit since they have no idea what is worthy and what is not. I suggest the federal government just shut them down since they can not even keep our data secure!

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 2019-07-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
COLLECTOR VIOLATED THE AUTOMATIC STAY IN XXXX CASE XXXX, THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, TITLEX CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Coradius International LLC
State: ME

Complaint narrative:
The company called our daughter yesterday and clearly said that they were from a debt collection company, which I have read they are not supposed to do. I have the recorded message from my daughter 's cellphone as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: AL

Complaint narrative:
I opened a comcast account the bill was paid XX/XX/2017 and then it was closed by XXXX saying it was not up to date but later they found that it was incorrect. I did not reopen the account and brought back equipment to XXXX XXXX, the associate assured me everything was taken care of and it was closed. 

This collection started popping up, out of blue and saying I owe a debt which is not true. This is a false collection because they have no payment history, no explanation of debt, and they keep changing their name every time I dispute it. 

Now its AFNI, debt change to {$280.00}, before which was two weeks ago, It was XXXX XXXX with debt of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME

Complaint narrative:
The company called our daughter yesterday and clearly said that they were from a debt collection company, which I have read they are not supposed to do. I have the recorded message from my daughter 's cellphone as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/2019, someone walked into the TD bank on XXXX XXXX in XXXX,  NJ, and withdrew a total of {$2500.00} from the TD bank checking account I share with my wife. I live in Connecticut and have never banked in NJ. Two withdrawal slips were submitted for {$240.00} and {$2300.00}, and my last name was wrong on both slips ( it was my wife 's last name ). My first name was also spelled differently ( and incorrectly ) on one withdrawal. My signature was forged badly, and inconsistently on each withdrawal slip ( one included my middle initial, and the other did not ). No amount was written out on the first withdrawal, and on the second withdrawal the amount written out was XXXX XXXX XXXX but the numerical amount was XXXX. The date on that withdrawal was also wrong ( " XXXX ) It appears the bank teller wrote out my account number, and also my drivers license number. It is not clear whether the teller had this information already, or was given it. After the transaction was approved, and someone walked off with {$2500.00} in cash from my account, TD bank froze the account -- apparently discovering the fraud too late -- but never informed me of the fraud or the fact that the account was frozen! As a result, several auto-pays I had set up from that account failed, and I was charged by the intended recipients for those failures. 

I reported the crime to my local precinct, and to the XXXX NJ police, but despite contacting the bank numerous times, I have yet to hear from anyone from TD bank 's fraud department, and yet to receive credit for the money stolen. 

It seems clear to me that the bank was grossly negligent, at best, and someone at the bank may have been involved in the crime. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have an Income Based Repayment plan for my loans. I was directed to re-certify my income in XXXX, which I did using the online system to connect my loan servicer directly to the IRS. I received no confirmation or other communication throughout the month of XXXX and XXXX until XX/XX/XXXX when {$1700.00} was pulled from my checking account ( my usual payment is {$130.00} ).  This draw will make it so that I can not pay my rent and may be evicted. This is the second time this has happened with Nelnet and Department of Education loans. How hard would it be to at least let someone know/confirm before drawing over 100x the usual payment? This shouldn't be allowed with auto-payment, it is predatory and in the end, if my problem is fixed and the payment refunded, or if I end up homeless and bankrupt it will only hurt the company that's not going to receive future payments and will have to pay their employees to spend hours with me on the phone trying to fix this. I went through a similar situation a few years ago that was ultimately resolved but a huge waste of my time and emotional well-being as well as the company 's time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX a XXXX representative called me to alert me that my payment was late. I was surprised since I thought my account was on auto pay and since I was on paperless statements I had no indication that my payment was late. With learning of my oversight, I immediately paid my accounts full statement balance. I regularly pay my full statement balance. I keep close track of my FICO score and several weeks later my score took a huge plunge by over 50 points. Upon checking my credit reports, I learned that XXXX filed a 30 day late with the three credit bureaus. On XX/XX/XXXX I wrote XXXX customer service department and asked for a GOODWILL REMOVAL OF LATE PAYMENT since the reporting had a devastating effect on my credit score. Upon researching this topic I learned that a company does have the ability to remove a 30 day late reporting, it is called a GOODWILL REMOVAL OF LATE PAYMENT if they choose to do so. On XX/XX/XXXX XXXX customer service and operations center replied stating that their reporting was accurate and they would not be taking any other action. On XX/XX/XXXX I wrote to president of XXXX explaining my oversight and asked for a GOODWILL REMOVAL OF LATE PAYMENT as I had been a MVC ( Most Valued Customer ) since XXXX. On XX/XX/XXXX I received a reply from XXXX stating that their reporting was accurate meaning they will not remove the 30 day late reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/XXXXto XX/XX/2019 statement Payments were made in full, less new purchases. In XX/XX/XXXXto XX/XX/XXXXstatement Balance was paid in full on XX/XX/2019. Payment due date was XX/XX/2019. XXXX A National holiday ) Actual payment was made on XX/XX/2019, but due to holiday, not processed thru Bank of Americas website until XX/XX/2019. Then posted in XX/XX/2019. Next statement I was charged {$6.00} interest. Before that I was charged {$8.00} in interest in XX/XX/XXXX. I called Customer service and after a 30 minute hold with computer held messages, I was finally transferred to live operator XXXX. Upon explaining my request to return {$8.00} from XX/XX/XXXX, and {$6.00} from XX/XX/XXXXin interest charged, She explained their policy is that I would need to pay the full balance for two months straight to avoid interest. I explained that was wrong, she then put me on hold, and returned with the answer that I was late on payment which was due on XX/XX/2019. I again explained payment was paid on XX/XX/2019 and not processed until XX/XX/XXXX and posted on XX/XX/2019. She stated they were open 24 hours a day and the interest charge for both months will remain. 
I feel BOA is charging interest on accounts who pay in full, fraudulently and want to report them for manipulating dates and payments. I also am demanding return of {$14.00} taken as interest payment which if I did not pay, would result in late fees and negative credit reporting.

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