vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-27 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: NJ

Complaint narrative:
I AM WANTING TO KNOW THE REASON AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX ( XXXX XXXX ), IS STILL REFLECTING ON MY CREDIT REPORT WHEN I CLEARLY ATTEMPTED TO GET IT REMOVED SINCE : XX/XX/2019. I HAVE SUPPORTIVE DOCUMENTATION THAT THE ACCOUNT SHOULD NOT BE REPORTING AS A CHARGE-OFF STATUS WHEN I PAID IT IN FULL, THERE IS NO BALANCE WHAT SO EVER. NO ONE HAS DONE ANYTHING ABOUT THIS MATTER AND IT IS CRUCIAL TO GET THIS REMOVED RIGHT AWAY. IT IS HINDERING ALL ASPECTS OF MY LIFE AND NEGATIVELY IMPACTING MY CREDIT SCORES AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/2019 ; XXXX : didnt never deposit money in my account

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 2019-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
In XX/XX/2019, I called what I believed was FedLoans Servicing. I  wanted to apply for the teacher forgiveness program. I was connected to a man named XXXX in Florida. He told me that I would do better going for the public service program. He gave me the information and said he would put it through. I told him I really didn't understand what he was saying, but he kept assuring me that he knew this was better. He said that I would need to pay {$190.00} for the next three months to catch everything up, then my payment would be {$100.00} per month for the next 10 years. I am positive that he did not tell me that those charges were adminitrative fees because I would have said no. I gave him my banking information and they took the first two fees out on XX/XX/19 and XX/XX/19. After that, for whatever reason, the third payment did not go through, so they started to call for the last payment. It was on the verge of harrasing behavior, so I got concerned and started calling FedLoans. They said they did not initiate any repayment plan for me and that I probably got connected to a third party. FedLoans told me that they do not charge for these services and that I should file a complaint. So here it is. I further got concerned when I called them to find out what was going on, they never answered the phone with a company name, only a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
After review of my credit reports I noticed a debt that I know nothing about, I contacted United Collection BURE to get verification and they never sent me verification with my legal name etc that verifies this fraudulent account belongs to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-27 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: NJ

Complaint narrative:
I AM WANTING TO KNOW THE REASON AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX XXXX XXXX XXXX, IS STILL REFLECTING ON MY CREDIT REPORT WHEN I CLEARLY ATTEMPTED TO GET IT REMOVED SINCE : XX/XX/2019. I HAVE SUPPORTIVE DOCUMENTATION THAT THE ACCOUNT SHOULD NOT BE REPORTING AS A CHARGE-OFF STATUS WHEN I PAID IT IN FULL, THERE IS NO BALANCE WHAT SO EVER. NO ONE HAS DONE ANYTHING ABOUT THIS MATTER AND IT IS CRUCIAL TO GET THIS REMOVED RIGHT AWAY. IT IS HINDERING ALL ASPECTS OF MY LIFE AND NEGATIVELY IMPACTING MY CREDIT SCORES AS WELL.

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 2019-11-27 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: NJ

Complaint narrative:
I AM WANTING TO KNOW THE REASON AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX XXXX XXXX XXXX, IS STILL REFLECTING ON MY CREDIT REPORT WHEN I CLEARLY ATTEMPTED TO GET IT REMOVED SINCE : XX/XX/2019. I HAVE SUPPORTIVE DOCUMENTATION THAT THE ACCOUNT SHOULD NOT BE REPORTING AS A CHARGE-OFF STATUS WHEN I PAID IT IN FULL, THERE IS NO BALANCE WHAT SO EVER. NO ONE HAS DONE ANYTHING ABOUT THIS MATTER AND IT IS CRUCIAL TO GET THIS REMOVED RIGHT AWAY. IT IS HINDERING ALL ASPECTS OF MY LIFE AND NEGATIVELY IMPACTING MY CREDIT SCORES AS WELL.

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 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is reporting inaccurate information.

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 2019-11-27 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: CA

Complaint narrative:
I tried to refinance my car today XX/XX/19 and I was unable to do so because of an account reflecting badly on my credit report. This account does not belong to me ; I never opened it and I have never had an account with that company. I did not allow anyone to open this account in my name with my personal information and I have filed a police report regarding this suspicious activity on my credit. I did not benefit anything from this account being open in my name such as money, goods, services or any other benefit ; I did not make any purchases, transactions or payments towards this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: CT

Complaint narrative:
I paid a settlement amount to Sequim debt collector back on XX/XX/19. After that date for a week I was still receiving phone calls. The original debt came from XXXX XXXX XXXX. Then I see it was on my credit report written off as bad debt for the full amount but my balance keeps increasing. These people took my money never reported it as paid. I feel they are scammers. it says I owe almost XXXX dollars but yet comments say written off as bad debt. This is not true the debt has been paid. And I want all 3 credit reports to reflect as paid else I will be looking for a lawyer to see what my rights are. You just don't take someones money and not report things correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cottonwood Financial Ltd.
State: UT

Complaint narrative:
I got a loan from The Cash Store In XXXX, Utah. 
I explained to them when I got in there that I needed a loan, easy to pay, no gimmicks, no games. 
They assured me that their pay off process was simple, it was not only so confusing, deceiving but also they make it impossible to pay off your loan. This institutions shouldnt be allowed to operate. 

I borrowed {$1000.00}. After several payments which totaled over {$400.00} In a short period of time I still owe the ssme amount. 
They dont have a Office toncall, when you call is redirects you to the same location or the nearest one. When trying to pay early they refinance you and get you into further debt.

When trying to make payment over the phone, they dont allow it.

When you ask them for an app or a website to pay, they dont have one. 
Their schedule is short XXXX to XXXX Monday to Friday so a lot of people can not make it in person to make their payments.

Saturdays they only open XXXX to XXXX XXXX  very short to avoid people from paying, Sundays is closed.

They only allowed auto payment on the interest but not on the balance IT IS SO FRAUDULENT. I want federal and state agencies to investigate this company. 
I bet you there are so many people owning forever and just paying interest with this company payoff practices and process. 
It is setup in way that you dont pay the loan off. I am seriously concern, upset and worry not only for me but a lot more people that for sure have the same problem or worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: TX

Complaint narrative:
I have sent many letters to the credit bureaus with identity theft and police report stating that there are many errors and fraudulent accounts on my report. The credit bureaus refuse to cooperate and investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 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: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
On XX/XX/2019 I received a letter from Bridgecrest about the status of my account # XXXX. Bridgecrest states that the status of the account is " Bankruptcy Chapter XXXX Discharged ''. After checking my credit report, the account dos not show as Chapter XXXX discharged, which leads me to the assumption that Bridgecrest did not report it to the Creditbureaus as such. They also state that my interest rate is 8.859 % annual, but I think the interest rate was raised significantly by Bridgecrest. We agreed that I can keep the vehicle, even if Bridgecrest denied a reaffirmation during my bankruptcy several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I started receiving calls from ( XXXX ) XXXX as early as XXXX in the XXXX! When I pick up the phone, they almost immediately hang up, only to call again a bit later. My wife called the number back as I was writing this, only to find out that somebody from Navient was on the other end of the line. Navient is a collection agency who has been after me for my student loans. They have been calling several times per day, only for me to REPEAT to them that I am XXXX ( I have XXXX and can not keep a job ) and that I am already in the process of having my student loan forgiven on the basis of XXXX through XXXX. Now it seems they have resorted to straight harassment-spoofing their number so that we can not tell it is them when they call ( we usually answer, anyway ) and then just hanging up instead of even speaking to me regarding the situation and overdue payments. What the XXXX is going on, anymore? Companies can just get away with this sort of behavior?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: NJ

Complaint narrative:
On/or about XXXX, XXXX, I pulled my credit report and going over, I found out multiple accounts that did not belong to me, knowing this I did my own research and started disputing the incorrect information. As of today XXXX XXXX, EXPERIAN & XXXX, have been refuse to remove an alleged bankruptcy that I never filed and listed below : Reported on EXPERIAN, Alleged court name : US BKT CT NJ XXXX, type : Bankruptcy Chapter XXXXDischarged with an alleged reference # : XXXX, allegedly filed on XX/XX/XXXX. 

Reported on XXXX, Alleged court name : U.S. Bankruptcy   Court, type : Chapter XXXX Bankruptcy Discharged with an alleged reference # : XXXX, allegedly filed on XX/XX/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 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent many letters to the credit bureaus with identity theft and police report stating that there are many errors and fraudulent accounts on my report. The credit bureaus refuse to cooperate and investigate.

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 2019-11-27 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: TX

Complaint narrative:
I have sent many letters to the credit bureaus with identity theft and police report stating that there are many errors and fraudulent accounts on my report. The credit bureaus refuse to cooperate and investigate.

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 2019-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was involved in an online scam week and half ago involving XXXX I paid for the dog online using XXXX and a cash app. Didnt realize until after the transaction was made that this was a fraudulent transaction. I tried to resolve with my bank, Wells Fargo and they told me there was nothing that they could do, couldnt even pull up information regarding the transaction so I could make a police report and take legal action. My bank is supposed to protect any fraudulent transactions on my account And at this point there is they have told me theres nothing that they can do. I find this hard to believe. This was money I sent on my account and I am not entitled to any information regarding this? I feel like Im at a loss, and would love any help I could get. I have all the information from the breeder emails, copies of transactions, Or any other information you need.

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 2019-11-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group
State: CA

Complaint narrative:
The debt collection company has : - Called me at XXXX XXXX  by spoofing my work phone number. When I answered, they threatened that they were at my office to serve me with a subpoena. When I asked where they were, the woman provided an unknown address. I informed her that was the incorrect address. She replied with I am not going to play games with you and hung up. 
- Call me on a Saturday morning at XXXX XXXX, once I heard who it was, I hung up. 
- Called my Mothers number to state that they were trying to deliver something to me. I returned the call, and they stated that they would be waiting at my home with a subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1. On today, XX/XX/2019, I originally had called to dispute a charge. 

2. The charge was for {$10.00} from " XXXX '' posted XXXX XXXX, 2019. 

3. I stated that I purchased a meal from XXXX specifically for dine-in, and I received the meal on a tray. However, due to an altercation between the store staff and an irate customer from the drive-thru who came into the store, causing me to fear for my safety, that I left the store before being able to eat my meal. 

4. XXXX, supervisor, ID XXXX, stated that she was going to categorize the dispute as a " service dispute '' because I was " unhappy with the service '' and " unhappy with the altercation. '' 5. This downplayed the seriousness of the situation and was offensive to me. 

6. I asked to speak with XXXX 's supervisor and at first she refused starting she was a supervisor. Then she let me speak with her supervisor, XXXX. 

7. XXXX did not change the categorization of the dispute. I disagree with the categorization and argue that the dispute should have been categorized as " merchandise not received. '' Seeing as how I ordered, and was charged for, a dine-in meal. Having a space restaurant environment in which to dine is part of the merchandise. If the building was on fire and I left for that reason, which is also a safety reason, would you still say I was unhappy with the service, or unhappy with the fire? Shame on y'all., 8. No provisional credit has been issued by Bank of America to date. 

9. I requested to close my checking account by phone. 

10. XXXX, Mgr., XXXX XXXX refused to close the acct. stating it could not be closed because of three pending disputes, including the one that had just been filed. 

11. I asked that any and all monthly fees be waived until such time that I can close the acct., seeing as how I have requested the acct. to be closed and it is the company that refused to do so. I shouldn't essentially be held hostage as a customer and then forced to pay fees for an acct. I requested to close.

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 2019-11-27 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: FL

Complaint narrative:
Equifax is currently reporting an account with multiple inaccuracies that violate the Fair Credit Reporting act. 

The account is ; XXXX  XXXX Account Number : XXXX I sent a letter on XX/XX/XXXX. 

Below are the inaccuracies : 1.You are reporting a Payment status of 120 days late when this account has a XXXX  balance. 

2. You report this account Date Closed on XX/XX/XXXX yet report 120 days late on XX/XX/XXXX? How can this be accurate? 

3. You report this account Date of First Delinquency XX/XX/XXXX and yet report 120 days late on XX/XX/XXXX. How is this accurate? 

As you can see, there are MANY inaccuracies on this account and demand it be deleted from my account per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: NJ

Complaint narrative:
On/or about XXXX, XXXX, I pulled my credit report and going over, I found out multiple accounts that did not belong to me, knowing this I did my own research and started disputing the incorrect information. As of today XXXX XXXX, XXXX  & TRANSUNION, have been refuse to remove an alleged bankruptcy that I never filed and listed below : Reported on XXXX, Alleged court name : US BKT CT NJ XXXX, type : Bankruptcy Chapter XXXXDischarged with an alleged reference # : XXXX, allegedly filed on XX/XX/XXXX. 

Reported on TRANSUNION, Alleged court name : U.S. Bankruptcy Court, type : Chapter XXXX Bankruptcy Discharged with an alleged reference # : XXXX, allegedly filed on XX/XX/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 2019-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
The alarm company was notified by phone to cancel this account before renewal. They required a letter which was sent, not authorizing future monitoring. I was not notified that they were still monitoring our system for the following YEAR. No notification was received until I saw a collection on my credit and contacted them. They said they had no record of the cancellation. After not receiving any type of payment, why would they continue monitoring for such a period of time? This account was canceled and closed. Also, the dates of monitoring and when they say this collection was due, do not coincide. I have reported this to another credit bureau and it was taken off my credit report but XXXX  says its my responsibility. I also believe this is a different collection agency reporting than the original one. So the tactic has become to just change agencies who report to a different credit bureau to keep pressuring for payment.

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