vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unable to access my credit report error message when initiating a dispute through Experian XXXX 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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX # XXXX and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of 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 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My vehicle was totaled on XX/XX/2019. Accordingly, there was an insurance payment made by XXXX XXXX to payoff the loan on XX/XX/2019. The lender, PNC Bank, received the payment on XX/XX/2019, but failed to process the check.

On XX/XX/2019, PNC claimed the check was mailed to the wrong address. I notified XXXX XXXX and they cancelled the check and reissued another. XXXX XXXX called to confirm the address and it was the same address the first check was sent to.

The second check arrived XX/XX/2019, but PNC is not processing the payment.

They refuse to provide information on the delays. As of today, XX/XX/2019, they have been in possession of funds for a total of 33 days and stating it could be at least another 10 days before they know anything.

I believe they are either incompetent, or worse, approaching insolvency. Their staff can not provide information, stating " it's a different department '' when I attempt to discuss. Other members simply fail to return calls altogether. I have communicated with : XXXX XXXX - XXXX   XXXX ( XXXX ) - XXXX XXXX XXXX - XXXX And XXXX XXXX XXXX ( Supervisor ) refused to speak with me.

This failure to process my payoff is abusive and has cost me additional monies. In addition to Per Diem fees accruing daily, my insurance carrier terminated my rental coverage when payment was received at PNC. The rental termination cost me {$440.00} in non-covered rental fees.

Additionally, I am still without transportation, and will be until this loan is paid off, which is creating a hardship on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
I signed up with MY PAYDAY LOAN for a short payday loan. I later signed up for debt consolidation and a revocation letter was sent to them and request for validation of debt by my debt consolidation company. The company is oversees and unable to provide validation. After the revocation letter they continue to take interest payments of {$180.00} and continually changes the way the take the payment to avoid stop payments. The submit as a check instead of a ACH payment. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: TX

Complaint narrative:
TransUnion has TWO entries ( of type 'Line of Credit ' ) for a single account Name : XXXX XXXX XXXX XXXX Line of Credit - One entry shows - Wrong account # : - An old balance from 7 months ago - No payment updates since 7 mos ago - Other entry shows more recent balance - Accurate account # - Relatively recent balance - Payment dates START 7 mos ago ( see a correlation? )

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 2019-09-10 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: U.S. BANCORP
State: MI

Complaint narrative:
This complaint is against US bank my credit card, the number is XXXX XXXX XXXX XXXX, which was paid in full XX/XX/2019 before the due date. I called the company and asked for a payoff balance which they gave me as being {$2300.00} gvien the fact that I had asked for a payoff balance earlier and the above amount was given. When the atatement came out it showed me still owing {$18.00}, which I feel that I do not owe because when you pay the balance that XXXX out the account. What I was told that the cash advance interest had not be charged as the time of the pay off, which to me is usary or fraud, what ever the case I shouldn't have to pay that money and not to mention the other charges the representative informed me that is forthcoming. This isn't the first time I have had an issue with US bank regarding the interest on my outstanding balance. What they do is charge a standare interest and then a daily APR which is two interest fees being charged to the customer. 
I have attached two bank statements explaining my situation and their fee charges practices that needs to be corrected and disallowed.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2019, I requested that Equifax Information Services LLC place a security freeze on my credit report. I am a XXXX year-old XXXX. Equifax 's website makes clear that, if it has not yet established a credit report, and the XXXX  consumer requests a security freeze, Equifax will create a report and then freeze the report. ( https : //www.equifax.com/XXXX ) On XX/XX/2019, I received a letter from Equifax stating that it does not have a credit file for me ; however, Equifax did not establish a credit file and then apply a security freeze to that file.

I filed a complaint with the CFPB on XX/XX/2019, and the defendant " responded, '' two full months later, that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. The person listed as an additional contact on the original complaint was my father. Again, I am a XXXX. And my complaint specifically authorized my father to receive information related to the complaint.

The CFPB 's response dated XX/XX/2019, states that : " If the consumer did not receive a response from the company, the account holder or borrower can submit a new complaint without listing anyone else. '' I received no response from the defendant. Now, in order to remove this stumbling block that the defendant has erected, I am hereby refiling my complaint and not listing my father as a person authorized to receive information related to the complaint.

Your turn, Equifax. What bad-faith argument will you raise next in an effort to not do the right thing and simply create/put a security freeze on my credit file?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
I AM VICTIM OF ID THEFT. I WAS ADVISED BY THE FTC TO SEND IN MY SUPPORTING DOCUMENTS. TO HAVE THESE ACCOUNTS REMOVED FROM MY CREDIT FILE. IT HAS BEEN AN ON-GOING BATTLE WITH THESE COMPANIES. THE LAW IS VERY CLEAR TO ME AS FAR AS MY RIGHTS. THEY HAVE FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVED THESE FRAUDULENT ACCOUNTS WHICH WERE OPEN BY THE THEFT AND NOT ME. PLEASE CONTACT THESE BUREAUS ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM TO COMPLY WITH FEDERAL LAWS AND RESPECT THE RIGHTS OF ID THEFT VICTIMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX***XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of 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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion recently removed XXXX XXXX XXXX from my credit report due to this account being over 7 years old and closed. XXXX XXXX purchased this account from XXXX XXXX XXXX and the pay history is the same. There has not been a payment on this account ever and it has the same payment history and should be removed also due to the account being older than 7 years with out a payment. Please investigate this account and remove and delete this account from my credit report immediately Also I have never been employed by XXXX  XXXX this should be removed and deleted my current employer is XXXX XXXX XXXX XXXX XXXX There are also addresses that should be removed and deleted that do not belong to me XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please investigate, remove and delete all of this information as it is not accurate

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of 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 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I was contacted by my loan officer due to me trying to purchase a home and was informed that a credit card from XXXX XXXX XXXX XXXX was on my credit report with a balance of {$460.00} that was opened in XX/XX/XXXX and closed XX/XX/XXXX. I contact XXXX XXXX XXXX XXXX and informed them that this is not my debt and need to submit this to the fraud department and ask them where did they send this card. They informed me that they sent the card to my current address ; however I never received this card. I then ask them was there an email address or phone number on file they said no. They informed me the debt had been sold to XXXX XXXX XXXX which they are sending me an affadavit report because they said they did not receive any Identity theft report from XXXX XXXX XXXX XXXX which I sent to XXXX and XXXX XXXX XXXX XXXX said they had received on XX/XX/XXXX and electronically sent over to XXXX XXXX. Identity theft report will be attached this information as well. I informed XXXX XXXX XXXX XXXX that they are the original creditors and need to investigate and REPORT THIS AND REMOVE FROM ALL 3 CREDIT REPORTS IMMEDIATELY. I have also called all 3 credit bureaus and reported as FRAUD AND PUT FRAUD ALERTS ON ALL REPORTS AND SENT IDENTITY THEFT REPORTS AS WELL. Please Please have them remove this information the account number is XXXX. Also this account was opened after my Chapter XXXX which I filed in XX/XX/XXXX and they used my maiden name which I have not used since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX***XXXX  is reporting a charged off collection to my account. However I never opened this account and it is not mine, not to mention it is past the statute in Utah. I would like this account removed as it is fraudulent and should not be on 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 2019-09-10 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a charged off collection to my account. However I never opened this account and it is not mine, not to mention it is past the statute in Utah. I would like this account removed as it is fraudulent and should not be on 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 2019-09-10 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: MD

Complaint narrative:
I mailed a certified letter to Equifax requesting an investigation of the inquiry thats on my credit report. The inquiry date was : XX/XX/2018 from Company : XXXX XXXX. I never applied or authorized this company to check my credit. Furthermore, I currently do not have any account with this company. Equifax failed to re-investigate. I also sent a letter to XXXX XXXX requesting for proof of this authorization, yet I received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received a letter from CACH , LLC -they are collecting on behalf Resurgent Capital Service , L.P.- a old loan from XXXX XXXX XXXX XXXX XXXX. Me and my family are trying to get this account resolve but we just don't have enough money to pay in full. When I contacted the Collector CACH they told me this new trade line in my credit report will destroy my credit and probably they will have to suit me, I can't handle the situation so after some weeks my husband called the collector because we don't want to get involve in a law suit.

My husband made a settlement offer in order to get this resolve but was declined for the collector, and after some weeks he made a different offer but it was declined too. We know for fact that this account is over 5 years and under California Law this collector may not be able to file a law suit against me. I sent a request of validation of debt with a new settlement offer to the Resurgent Capital Service mailing address ( XXXX XXXX XXXX, XXXX, SC XXXX  ) on XX/XX/2019 but never received a response back from this collector. My husband called and the collector said they never received, so I mailed the same request to the same address on XX/XX/2019. Now in XX/XX/XXXX my husband called asking for a response of my request but they representative said for second time that they never get it, but verified the mailing address. My husband asked to the representative if he can forward a settlement offer to the owner of the debt ( Resurgent Capital Services ) but the representative just won't.

I just want to get this resolve and I don't want to get suit, but I want to be sure that the debt buyer and the collector are have the right to suit me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My company with zero notice closed me down

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 2019-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
I have been in a dispute with Community Choice Financial Inc/Cash Central/Cash Central of California/California Check Cashing Stores for weeks. CCFI continually changes its strategy to avoid resolving this issue with me. First I was told to call to resolve it ... did so and was greeted by reps who had no idea what I was talking about. Then I was told to call a different number to be told they also would not speak to me. I was told the consent order from XX/XX/XXXX didn't exist. When I proved it does, I was then told I had dealt with a completely different company.

Community Choice Financial Inc/Cash Central/Cash Central of California/California Check Cashing Stores are all the same company ... all headquartered in Ohio. All predatory lenders.

I was steered into a loan of {$2500.00} for the sole purpose of Community Choice Financial Inc/Cash Central/Cash Central of California/California Check Cashing Stores collecting an outrageous percentage of fee. I was NEVER informed a loan for {$2.00} less would cap my fees at 30 %. I paid 78 %.

I want a refund of my overpayment. I am willing to accept less than the full 48 %, but I should not have to have paid an additional 48 % for 2 extra dollars. That is predatory and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I mailed a certified letter to Experian requesting an investigation of the inquiry thats on my credit report. The inquiry date was : XX/XX/2019 from Company : " XXXX XXXX ''. I never applied or authorized this company to check my credit. Furthermore, I currently do not have any account with this company. Experian failed to re-investigate. I also sent a letter to XXXX XXXX requesting for proof of this authorization, yet I received a response.

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 2019-09-10 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: VA

Complaint narrative:
XX/XX/2019 I went to withdraw money off my work card and the atm declined, so I logged into my account and saw that XXXX took {$570.00} off my card which was unauthorized, I have XXXX  as a carrier. I contacted XXXX and got nowhere, so I decided to contact XXXX XXXX and they sent a new card XX/XX/2019 and a dispute form. I did everything they told me to do I emailed the forms back Friday XX/XX/2019 at XXXX have been calling them everyday to check on updates and kept getting the same answer we are still processing your claim. So I called Tuesday XX/XX/2019 and they said they needed additional so 10 minutes later I wrote up a letter stating what happened. Later that day between XXXX and XXXX I contacted them again to get updates on the letter I sent earlier that day and they said my investigation was closed the last night the night of XX/XX/2019, nobody told me that I just proceeded to continue to send in documents they asked for every time I called and they told me I would have to wait for a letter in the mail to appeal. One associate told me I would receive my credit on day 10 which was a lie because XX/XX/2019 is day 11 and they closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit ( XXXX ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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