vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I deposited {$260.00} into an ATM at TD Bank XXXX XXXX XXXX. The ATM read it as {$160.00}. I immediately filed a claim with customer service. When I did n't hear anything after 2 weeks I went into the branch and filed another claim. The gentleman that helped me told me that the customer service representative did n't save the claim the evening that I called. It was also noticed at this time that the {$160.00} that the ATM had recorded that night was also not in my account. I waited almost a month and still had n't heard anything so when I was making a deposit, the gentleman that had helped me told me my claim had been denied saying there was no proof of my deposit at all. So not only did I not get the {$260.00} I did n't get the {$160.00} either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-07 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 have the following inquiries on my Equifax credit report that should be removed. I did not apply for credit with the following companies and some that are on my report are over 2 years old need to be removed : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXX 20. XXXX XXXX XXXX XXXX 21. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am currently working with XXXX XXXX XXXX to work on paying this account. They call at least 5 times a day, usually late at night and during all hours of every day, even during the weekend. They have called my brother ( XXXX from XXXX on XXXX-17 ). This is unacceptable and I am unsure why they are calling my sibling, regarding my account,.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: CT

Complaint narrative:
I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of XXXX.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. Transunion and XXXX. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer

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 2017-08-07 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: MD

Complaint narrative:
I contacted Equifax on XXXX XXXX, 2017 regarding an expired account ( XXXX XXXX XXXX ) still being reported on my Equifax Credit Report. I asked when the account was scheduled to fall off my report. The customer service agent reported that XXXX XXXX XXXX reported the account on XXXX XXXX, 2017 and that it would come off my report in 10 years. All of this information is incorrect but I was not able to convince this person otherwise. He instead insisted that I sign up for monthly credit monitoring through Equifax. This service must be paid for. Reference Confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
I borrowed XXXX back in XX/XX/XXXX, and it was my understanding there was a XXXX fee for this loan ... They take payment through my bank account, and we are on XXXX, and live on a fixed income ... ..I thought this would only be a 3 month XXXX payment ... However, they have been taking XXXX out each month, and I called, because they sent a txt saying another payment was going to be withdrawn but this time XXXX!!!! I then went on line, and found out it is costing a whopping XXXX for the XXXX borrowed, and the interest rate of XXXX percent!!! I tried to call them to see if we could work something out, but they are not working at all with me, and I feel like I have been totally ripped off!!! Since the date of XX/XX/XXXX, they take XXXX out of our XXXX, and this month XX/XX/XXXX, I called them to not take the payment as we are having a hardship, and they said no, and the payment is gon na be XXXX this month!!! Well, I had to put a stop payment on this because we could not afford it ... ... I am not understanding one bit how this can be legal. Please help : ( Thank U!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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 have incorrect information on all the credit reporting agency, Experian, XXXX, and XXXX. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. Experian incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XXXX XXXX XXXX  {$50.00} OPENED ON XXXX XXXX XXXX {$15000.00} OPENED XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XXXX XXXX XXXX XXXX {$87.00} OPNED ON XXXX XXXX incorrect details XXXX XXXX {$100.00} OPEDN ON XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XXXX XXXX XXXX XXXX ) XXXX XXXX {$1800.00} OPENED XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XXXX XXXX Incorrect details below XXXX XXXX XXXX {$7000.00} opened XXXX Blank info listed as collections as {$100.00} opened XXXXand {$50.00} opened XXXX XXXX XXXX {$1800.00} OPENED XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES

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 2017-08-07 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: HONOR FINANCE, LLC
State: GA

Complaint narrative:
Contacted Honor Finance on XX/XX/XXXX regarding 2 hard inquiries done XX/XX/XXXX. The one I asked them about was XX/XX/XXXX. The company person did not explain why they ran a hard credit check twice, once on XX/XX/XXXX and XX/XX/XXXX. I explained to them that I would like the XX/XX/XXXX removed due to already getting one done XX/XX/XXXX. They refused, so I would like to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: GA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. XXXX, Equifax, nor XXXX has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I previously submitted a complaint on XX/XX/XXXX in regards to XXXX XXXX attempting to collect for a debt that is not owed by me. The company XXXX XXXX responded on XX/XX/XXXX stating that I retained an attorney, and that they do not have a record of my attorney 's contact information. They requested that I provide that information so that they can contact my attorney directly. Lastly, Midland advised me if I was a victim of fraud to provide them with a copy of a police report or affidavit of fraud showing that I have reported the fraudulent activity. Since then I have sent ALL of the requested information as requested by Midland Funding. I sent a letter with my attorneys information and contact number as well a notarized copy of an affidavit from the FTC reporting the fraudulent activity. These documents were sent out certified mail on XX/XX/XXXX it was received by Midland on XX/XX/XXXX. I received a letter from Midland dated XX/XX/XXXX stating that " We are uncertain of what you are specifically disputing '' and " provide written explanation and documentation demonstrating any errors in our account information ''. Again, a request for my attorney 's information is asked for again. The same information was sent to XXXX XXXX XXXX the original creditor, I have not yet received a response from them however I XXXX is no longer reported on my credit reports. In this case, if the original creditor has been removed from my reports I DO NOT owe Midland Credit Management nor do I have a contract with MCM. I have done ALL that has been requested of me to resolve this debt and MCM has NOT provided anything VALIDATING this debt, I have since then followed step by step instructions from MCM to further resolve this debt and still I am being told that they are uncertain of what I am requesting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07 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: CT

Complaint narrative:
I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of babes.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. XXXX and Equifax. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: CT

Complaint narrative:
I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of babes.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. XXXX and XXXX. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries  that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer

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 2017-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have attempted to reconcile my repossessed vehicle payoff with direct phone calls on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and finally a consumer protection email on XX/XX/XXXX requesting to attempt to reconcile my defaulted car loan with Capital One. I have left voice mails stating my desire to try and get this taken care of. I am trying to do the right thing but they refuse to even try to help me get this done! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A direct marketer, XXXX, contacted the Citi bak cardholder, and elderly woman with diminished memory, and manipulated her into providing information that enabled them to charge her card for an extended warranty on a vehicle registered in her name. The car has not been driven and the cardholder does not drive.
There has been an effort to contact the direct marketer, but every time additional information is requested and subsequently nothing is done when information is provided. When the charge was initially posted, Citi was notified that it was not a valid charge. there was initially a credit, but then it was reversed. After the reversal, another case was opened with Citi, but now they are stating that too much time has passed, and that they can not dispute this transaction as unauthorized as we previously advised them that this transaction was knowingly entered into. This is incorrect. they were advised that there was a phone call where the direct marketer obtained the necessary information to be able to charge the account, but it was not agreed to and has been disputed from the beginning. We have attached the latest correspondence we sent and received. We have all the documents if needed.

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 2017-08-07 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: GA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. XXXX, XXXX, nor Transunion has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my 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 explanation
Consumer complaint received 2017-08-07 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: GA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. Experian, XXXX, nor XXXX has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my 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 explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I sold our house at XXXX XXXX XXXX XXXX, closing XX/XX/XXXX, 2017. The settlement statement is attached. The loan, # XXXX with SLS was paid off. Since then I 've received to bills from XXXX. About 2 weeks ago, the first one arrived and I called. SLS told me to send the settlement statement by email, which I did. I never heard back until XX/XX/XXXX, when another bill arrived. I returned the bill by mail along with the settlement statement and a short letter describing the problem. I 'm also sending this information to the title company that handled the escrow.

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 2017-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX,2017 we were approved for a XXXX through online.on the same day, a deposit of {$490.00} was, deposited into our account from the online loan.come to find out it was a online fraud that locked our account for almost 2 weeks now and still have no access to any of our funds.we receive direct deposit on a weekly basic and still ca n't have access to any funds.regions told us that the fraud is under investigation and that our funds will be ready no later than XX/XX/XXXX,2017.well needless to say, we still have no access to any funds.it 's been 2 weeks and still no answers..this is getting out of hand..please help us get more answers to this so we can have access to our funds..I will be going to the bank today to do a follow up and I will get back with you about what 's going on

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