vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Greetings, The following letter is to notify you of TransUnion questionable handling of personal information and unexplained charges. 

On XX/XX/18 I requested an annual free credit report from TransUnion. Then on XX/XX/18 I noticed a charge of {$19.00}. 

I called the company 's customer service XXXX ( XXXX ) XXXX and right away they asked for my social security number. I informed them I do not give out my full social over the phone. They looked me up with my last 4 digits, name, and street address. I tried asking why I had that charge on my account and wanted to make sure I was not signed up for any monthly charges, The phone operator did not answer my question and kept on insisting I call another number, XXXX, stating that it is the Transunion Credit Online Monitor. 

I called XXXX number and dealt with a very similar process. I asked if there was a transunion ID number I could provide, but they seemed to really want my SS number. The operator again insisted that I should call XXXX, yet that is the number I called. 

Upon further research it appears that other customers have dealt with unexplained charges as well when trying to receive a free credit report. On TransUnion website I cancelled my plan that I was not informed of having on XX/XX/18. 

It strikes me as odd that the operators did not inform me how to cancel a possible plan, always redirect me to a number even when that is the number I called, wanted my SS number immediately, and charged for a free annual credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed this account with XXXX regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *XXXX  is stating account type as factoring on XXXX, open on XXXX and Collection type on Transunion ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( XXXX  codes failed to pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX  reflects payment history from XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? Transunion reflects no payment history *Midland reflects on XXXX  terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. XXXX did not oblige. XXXX merely sent a statement that did not reflect any comprehensive accounting. 

XXXX did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that XXXX did not provide any credit card agreements warrant this entry to be removed from my credit reports.

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 2018-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed this account with XXXX regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *XXXX is stating account type as factoring on Experian, open on XXXX and Collection type on XXXX ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( Experian codes failed to pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX reflects payment history from XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? XXXX  reflects no payment history *Midland reflects on Experian terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. XXXX did not oblige. XXXX merely sent a statement that did not reflect any comprehensive accounting. 

XXXX did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that XXXX did not provide any credit card agreements warrant this entry to be removed from my credit reports.

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Contacted Wells Fargo in XXXX, XXXX, and XXXX of XXXX to dispute two late payments for XXXX and XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by Wells Fargo. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.

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 2018-08-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Greetings, I have initiated multiple disputes with XXXX for incorrectly reported late payments on the XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, XXXX XXXX & EQUIFAX credit reports. XXXX, XXXX XXXX & EQUIFAX should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to XXXX, XXXX, XXXX XXXX & EQUIFAX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The XXXX account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 )  XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 )  XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX EQUIFAX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 )XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax and XXXX are both alleging that the XXXX XXXX account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for Equifax is factoring data and collection on XXXX *Equifax reflects a past due amount of {$480.00} and XXXX reflects XXXX *Equifax reflects payment history as ok from XXXX ; XXXX reflects no payment history *The account number differs among the 2 bureaus *They are allowing XXXX to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with XXXX, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Contacted XXXX XXXX in XXXX, XXXX, and XX/XX/XXXX to dispute two late payments for XXXX and XX/XX/XXXX. XXXX XXXX contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by XXXX XXXX. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Contacted XXXX XXXX in XXXX, XXXX, and XXXX of XXXX to dispute two late payments for XXXX and XX/XX/XXXX. XXXX XXXX contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by XXXX XXXX. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Contacted XXXX XXXX in XXXX, XXXX, and XXXX of XXXX to dispute two late payments for XXXX and XX/XX/XXXX. XXXX XXXX contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by XXXX XXXX. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.

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 2018-08-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.

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 2018-08-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.

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 2018-08-23 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Account is no longer open no business with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Theres an account showing on my credit report that does not belong to me. Its from XXXX XXXX XXXX   opened on XX/XX/2015 with a balance of {$640.00}. This account is not mine at all. Also, there one from a company called XXXX XXXX XXXX opened on XX/XX/2015 with a balance of {$1400.00}. These accounts do not belong to me or were opened fraudulently!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
Greetings, I preface my complaint by stating that I am a former employee of XXXX XXXX XXXX XXXX, " the bank ''. 

During my employ, over 16 years, I maintained a " free '' ( free as it relates to monthly maintenance fees ) checking account. Upon my departure from the bank, XX/XX/2016, I noticed a monthly {$10.00} Service charge on my account. At first, I thought that this was some sort of error that would auto-correct the following month. To my surprise, and after a careful review of my checking account, I realized that the bank has continued to illegally charge my checking account a {$10.00} monthly Service Charge since XX/XX/2016. 

I use the word " illegal '' for the following reasons : 1 ) XXXX XXXX has failed to supply me with any relevant and proper deposit account disclosure ( s ) regarding my checking account as it pertains directly to the new application of fees. I call upon the bank to produce any/all correspondence/information evidencing that I was duly notified that fees would be applied to my checking account. 

2 ) The bank, to this date, offers " free '' checking accounts, with no minimum balance and no monthly service charges. Why am I not afforded the same product or account type? 

3 ) Finally, it is my view, taking all of the above into consideration, XXXX XXXX XXXX XXXX has willfully engaged in an unfair, deceptive and abusive act. 

Per this complaint, I am demanding that all fees assessed to my account be refunded and that my account be reinstated to its " free '' status, void of any monthly service charges. 

Thanking you in advance for your prompt response. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: OH

Complaint narrative:
My complaint is directed at the American Education Services. I have four XXXX student loans through XXXX. I have entered repayment recently. I have to contact AES for all of my loan repayment options. I first have the question of, how is it right for me to have a loan with XXXX, but have to go through a third party lender? 

My first conversatino was in spring ( between XXXX and XXXX ) of 2018. One of my four loans became due suddenly. I spent many occasions on the AES website, but I can not see anything about my account besides how much is due and make a payment. If I want any information on repayment options, deferment, or any information on my loans I have to call AES. The individual on the phone told me I had to defer my loans. I did as she told me, as I was still part time in XXXX  school, and working at a XXXX ( 13 month temporary paid job ). 

I call again in XXXX or XXXX of 2018. Now the other three of my loans are coming due. I am running out of deferment on my first loan but I can defer my last 3 loans. This representative tells me I should try to fill out a form explaining the fellowship. XXXX has a program that may allow me to not enter repayment until after the fellowship. 

As I am trying to get this paperwork taken care of I call again ( XX/XX/2018 ), because my loans were coming due and we still haven't gotten the fellowship document filled out and approved. This man explains that I should actually try to go into a grace period. This wouldn't use any of my deferment or forbearance, just extends the grace period. This is the first time I have heard this option, so we go through with this application process. 

I then ask the representative why one loan came due before the three others. He doesn't know why. Says my separation date is different on this loan than the others. It appears the separation date was updated- but to the same exact date it was before which would have been for my XXXX career. He had to submit my account for review. 

I have used so much of my deferment thus far. It is not right for me to not see the options on my own loan. I have to call AES and depend on their representative to not only understand my loans but also present me with all of my options. Every time I am on the phone I am consistently put on hold so that representative can do research into what programs XXXX offers. 

In conclusion : AES is should not be allowed to administer my repayment since they do not have any idea what my loan is like. I should also be allowed to see all of my options so that I can not only know what they are but also make an educated decision as to what to do. I believe AES has given me incorrect legally binding financial advise.

Company response to consumer: Closed with non-monetary relief