vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX had a computer glitch, I was trying to pay my mortgage on XX/XX/XXXX. I did not receive a confirmation number. I was worried my payment had not gone through and would be late. I checked the next day, XX/XX/XXXX, and there was no account of my payment. I made another payment and received a confirmation on that one right away. I checked my bank account statement after a few days and two charges had been processed. I contacted my bank and XXXX  XXXX to notify them of the double charge. Somewhere along the road both my bank and XXXX  XXXX reversed a payment- even though I obviously was only trying to get one reversed! Why would I pay twice and then purposefully remove both payments? It doesnt make any logical sense. I got a notice that both the XXXX mortgage had been reversed and that it had now been marked as a late mortgage payment. Exactly what I am trying to avoid! Due to this mixup, we are being offered much worse rates on our next mortgage. Its unfair punishment on my part to receive a serious ding on my credit report for an obvious misunderstanding that began with an error on the XXXX XXXX payment page. I want this mark on my credit removed- its not a reasonable way to conduct business at all!

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 2019-07-25 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: OH

Complaint narrative:
I am filing this complaint due to some fraudulent addresses that are not mine possibility a family member of other relatives. 

XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX OXXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-07-25 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER. THOSE ACCOUNTS ARE REPORTING AS DEROGATORY AND DELINQUENT ; IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT FILE AND I WOULD LIKE THOSE ACCOUNTS 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 2019-07-25 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER. THOSE ACCOUNTS ARE REPORTING AS DEROGATORY AND DELINQUENT ; IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT FILE AND I WOULD LIKE THOSE ACCOUNTS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Mortgage company not reporting loan to credit bureaus. Stated theyve tried to report current loan that's still existant and states credit bureaus refuse to report the account. 
Credit bureaus stated to me that this is not true. I've enclosed the letter from the mortgage company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
by law my XXXX XXXX m/c is not reporting to no one When did XXXX XXXX not report? 
FCRA violation

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 2019-07-25 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: OH

Complaint narrative:
I am filing this complaint due to some fraudulent addresses that are not mine possibility a family member of other relatives. 

XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: OH

Complaint narrative:
I am filing this complaint due to some fraudulent addresses that are not mine possibility a family member of other relatives. 

XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield Inc {$3400.00}. Im not liable for this debt. I have no signed contract with Hunter Warfield. 

In addition, a review of my local county clerks records show the Original creditor XXXX XXXX has voluntarily dismissed the debt. Civil court records show removed from public records under my name and dismissed consideration amount {$.00}. Im no longer liable for this debt with the original creditor and have never had a contract with Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Alliance One, Inc.
State: MO

Complaint narrative:
After reconciling my bank account. I noticed a monthly recurring transaction in the amount of {$50.00} and a vague description of Check # xxxxxxxxxx which I did not authorize. The charge started in XX/XX/2019. This prompted me to contact my bank ( XXXX ) requesting if they had additional information regarding this charge because there is no description or identifier of the merchants name deducting monies from my account. XXXX provided a description for XXXX XXXX. I submitted an inquiry to the merchant and waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: LA

Complaint narrative:
I was signed up without my written or verbal consent for a discover payment protection plan since XX/XX/2008. The lady at the discover center in XXXX told me that I would have had to request this plan. She admitted it was added without my consent. This has resulted in thousands of dollars in fees I never authorized for I service I did not need or want. Discover only offered to give me back the illegal fees they charged me for the last six months with no interest. I have done research and it seems there have been thousands of victims in the past that resulted in a massive lawsuit where discover paid claims. Discoverer advertises that they are no fees for their cards and this is blatant false advertising. I would like all my payment protection plan fees refunded plus interest since XX/XX/2008. Big financial institutions can not get away with scamming people like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Mortgage company not reporting loan to credit bureaus. Stated theyve tried to report current loan that's still existant and states credit bureaus refuse to report the account. 
Credit bureaus stated to me that this is not true. I've enclosed the letter from the mortgage company

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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Mortgage company not reporting loan to credit bureaus. Stated theyve tried to report current loan that's still existant and states credit bureaus refuse to report the account. 
Credit bureaus stated to me that this is not true. I've enclosed the letter from the mortgage company

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 2019-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
I have written numerous emails asking for a deferment due to the vehicle braking down on me since XXXX, They said if I can show proof they would assist me with the deferment, ( which i did ), never got a response back .. then the manager contacted me and said he would make an exception if I can make one payment which I did, never got a response from them until days later they started calling me again with threats to repossess my car which in fact is not drivable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: IN

Complaint narrative:
Incorrect billing at doctor 's office in XXXX. Called office and they realized/admitted mistake over the phone ( attempting to charge for two XXXX when I only had one ). I thought it was cleared up until I started getting collections notices from AR Resources for another {$1300.00}. This is when it began to snowball, fueled primarily by AR Resources illegally re-aging my account. What's worse, at some point, they created a duplicate charge on a different date, so it looks like two charges for {$1300.00} ( currently using dates in XXXX to keep the account active ). Billing errors are bad enough -- I never owed this money to begin with -- I should not have to deal with blatant fraud from disreputable collections agencies like AR Resources. While I can not find the original bills or letter, I was able to find a letter from XXXX, proving the accounts have been illegally re-aged. AR Resources is known for their illegal collections activities. This copy-pasted from a law-firm that deals with them frequently : " As of XX/XX/XXXX, the XXXX has closed 125 complaints against AR Resources in the past 3 years, with 42 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections, although 11 complaints also cited problems with customer service. Since XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has closed 184 complaints involving ARR. Justia lists at least 6 cases of civil litigation involving ARR. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/2019 my wallet was stolen out of my purse at my workplace. I didn't recognize until hours after and as soon as I saw it missing I called Chase Bank to freeze my account. Then I told them which transactions were fraudulent and reported a claim with them early the next day ( the banks were closed by the time I found my wallet missing ). It's been a week and I haven't heard about the status of the claim or the funds so I called Chase this morning. To my dismay, the representative said that my claims have been denied because the person who withdrew the money had my PIN. I am not sure how the person would've gotten my PIN but I can still prove the charges are not me. There is video surveillance of the person taking my wallet, photos of them at another store, and video of them withdrawing the money. The withdrawals totaled {$4700.00}. This person is clearly not me, but I'm finding Chase to be very difficult to work with to find another way of proving these transactions were NOT authorized by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
After my accident and left XXXX my apt evicted me and said I would only owe the last three months left in lease totaling {$2700.00} and Rent Debt Collections reported inaccurately to all three credit bureaus that my balance Id {$5800.00} and thats not true

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently purchased a 2nd home and after purchasing a home, I started using my credit card late XXXX, 2019. Naturally, my credit balance on my credit cards went up. However, I was looking at my credit report and noticed that my credit score with Trans Union went from XXXX to XXXX then XXXX. 

I would like to file a formal complaint because, first, I have not even received my credit card or mortgage bill from those purchases and my credit score lowered by 30 points? Second, whenever I have debts on my credit cards, I pay them off in full as soon as I get the statements. 

I think that is unfair to customers who make sure to protect their credit scores to have 30points less on my score for purchases I made without any bill to pay. What is the point of having a credit card if that will affect my credit score whether I pay it off right away or not. This is so upsetting and unfair practice.

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 2019-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a Paypal on line account for playing games and it goes to my banking acc when I win money playing games. Last week I applied for a prepaid Paypal card it was cheaper then my XXXX XXXX acc. ( The fees to use it ). Today I recieved the prepaid card and also a letter from Synchrony Paypal saying they denied me for a credit card. I have never applied for that card. I spent 2 hours on the phone trying to get it resolved after talking to the 12th person they said it could take up to 30 days to get it removed. I haven't registered the prepaid card do to the other letter. I haven't ever tried to get a credit card from this company do to my medical  bills giving me bad credit when the hospital billed me when I was low income they wrote them off and I'm still trying to get them off my report. I know I can't get a card so I don't apply for them. Please take this off my 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 non-monetary relief
Consumer complaint received 2019-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I have been on an income based repayment plan since 2012 after my graduation. My loans were originally with XXXX XXXX then they were transferred to Fed loan. I have submitted my qualifications for working for non-for profit organizations every year. I have not missed any monthly payments at any time. 

3-4 years into my payments, I was told I did not consolidate correctly and that all of my loans that aren't " direct '' would not be forgiven. This information was not given to me initially when I consolidated my loans. I have made extra payments towards these loans ( nearly $ XXXX ). I have contacted Fed-loans to make sure this would not interfere with my normal monthly payments which I have continued. 

I have requested multiple times for an up to date manual count. I have been given different conflicting information multiple times upon these requests ( none were manual counts but estimates ). More recently I was told that only 5 of the 7 years of payments would count.

I am still working at non-profit organization but have had job offers at private organizations. I am staying at my non-profit currently in the hopes of loan forgiveness in 3 years.

Please help me get accurate information on my loans as Fedloans has told me in e-mail that they currently do not have the resources to give me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I divorced XXXX XXXX in XXXX. I was awarded the home located at XXXX XXXX XXXX XXXX TX XXXX. 
I filed for bancruptcy in XXXX and it was discharged in XXXX. 
I attempted to refinance my home in XXXX and was informed Citibank placed a lien against my title in XXXX for a debt owed by my ex-husband. 
For the past 4 weeks I have been attempting to have this lien removed to no avail. 
I contacted the collection agency who placed the lien on behalf of Citibank but they will no speak, negotiate with me or allow me to pay off the debt as I am not the account holder. I am unable to proceed in refinancing my mortgage and was informed this title lien will also prevent me from any legal transactions such as future sale.

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