vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Dear CFPB, I am writing you today because while reviewing my Transunion credit report XXXX File # XXXX ), I noticed several unauthorized inquiries being listed by Transunion XXXX. XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX ON XXXX/XXXX/XXXX I have attempted to resolve this issue with Transunion, all to no avail.

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 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I file a dispute with Equifax regarding to medical bills that appears on my credit report. Equifax took upon themselves to dispute all my credit cards with XXXX XXXX an I have been receiving letters from the bank stating that I reported that I did not applied for this account or that its not mine. I have never reported these accounts from XXXX XXXX as fraud. The last letter from XXXX XXXX was just received by me from the XXXX XXXX XXXX stating to fill an affidavit of fraud regarding the account and if the charges are fraud. I spoke to an investigator from XXXX XXXX and old him that I never disputed any of the account with XXXX and that I only disputed two medical bills that are listed on my credit report in a collection company which are not mine. I called Equifax executive offices and my call was sent to another country, which I do n't understand why another country would have access to my personal information and that 's why the consumers are at risk from beach and identity theft. all the creditors that are run by XXXX XXXX  are sending my fraud form to fill out and return to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with Equifax 's instructions related to the data security breach, I was identified by their website as an impacted consumer. On XX/XX/XXXX, I was instructed to return to the site after XX/XX/XXXX to sign up for the free XXXX XXXX XXXX. When I returned on XX/XX/XXXX, I registered and was told I would receive an e-mail with a link " in a few days '' to active the service. It 's been over a week ( since registering and two weeks since announcement of the breach ) and a link has not been received. I attempted to contact Equifax on its security breach customer service line and they could not state when I would receive the link or that my request was even in process. They did indicate that they have been " overwhelmed '' with requests ( which is amazing that they did n't prepare as given the size of the breach, they should have expected millions of requests ) but had no answer for how long it would take and to keep checking for an e-mail. Based on news articles, it seems that a number of people are having the same experience. The breach is bad enough, but the lackluster response has been terrible. I did notice that they are still advertising and accepting requests for paid services on the website. Curious if paying customers are getting priority or being signed up before the breach impacted consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to freeze my credit report with TransUnion on 5 separate times - each time I get an error message that their web site is experiencing difficulties and I need to check back again another time to place freeze on account. Each time I attempt to CALL TransUnion their phone system is so bad I get disconnected ( 5 times!! ) What steps can I take to FREEZE MY CREDIT REPORT with TransUnion?? 

I have had NO PROBLEMS doing this with XXXX or XXXX - ONLY TransUnion - what a nightmare!! 

They collect more information from you and then claim website not working - is their company even TRYING to help consumers? Is their website HACKED TOO? 

Why can I NOT access ANYONE at TransUnion to get a CREDIT FREEZE????

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 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
After 21 years of being a member of USAA & after twice them sending offensive " automated correspondences '' to me - I want to settle this account & close it. Finally got them to close the account - after two weeks & profanity laced emails. But now they refuse to budge with a settlement. I have now asked for a complete AUDIT of my account. 

I 've been lied to and offended to no end. USAA also needs to be retrained with regard to " Best Practices. '' I have two correspondence I wrote to USAA 's Executive Council, that I would like to forward to CFPB. 

Any help in getting this account settled would be greatly appreciated. 
Thank you, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Sierra Holdings LLC
State: NY

Complaint narrative:
I have a car loan with XXXX XXXX XXXX. Admittedly, on occasion, I am late on my payments, usually by no more than 2-5 days, maximum. On several occasions, I have received numerous calls attempting to collect the debt owed. I understand they have the right to call as collections, but excessively? Calling me 18 times in a day, while I 'm at work, is utterly unacceptable after being 1 day past due. This is harassment. On top of the harassment on my own phone line, they began calling my references. I also understand this is the purpose of a reference, however, when calling a reference and leaving a voicemail, in no way, shape, or form should voicemails be left that state, " Hello, this is so and so from XXXX XXXX XXXX calling to get in contact with XXXX XXXX regarding her auto loan with us. Please have her return our call or make a payment at her earliest convenience. Thank you. '' These are REFERENCES, not consigners!! It is against the law for them to inform anyone not financially responsible on this loan that I have an account with them, let alone that I am late on my payment. 
Once again, this is illegal. The media will be contacted to advise of these unethical and malicious collection practices to steer everyone away from using this company. 
This has caused extreme emotional distress on my part as I am constantly concerned about how they will depict my image to my references when they 're spilling all of the details of my payments. I am a human. We have all been late on something before, and we have all struggled at one point or another. Why would they want to smear the image of a customer?
I feel sufficient compensation for this extreme inconvenience and horrible practices would be to forgive one loan payment. 
Once again, I will take every method possible to expose this company for these malicious practices to steer anyone from doing business with them if they do not find a way to rectify the stress they have put me under.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On Monday, XXXX XXXX, XXXX I contacted XXXX XXXX XXXX to take advantage of a promotional offer regarding 0 % interest on balance transfers. I asked XXXX  XXXX XXXX to cancel a pending balance transfer to Chase Bank that had not yet been initiated. XXXX XXXX XXXX informed me that it was not a problem, told me the transfer was being canceled, and proceeded to take down information on the correct transfers. I was notified Tuesday or Wednesday that some balance transfers had been processed. When I did not see the transfers reflected on the appropriate accounts, I looked into my XXXX XXXX XXXX account to check the status. When I looked, I found that XXXX XXXX XXXX had not canceled the transfer to Chase Bank, but had instead sent {$3400.00} to Chase in error. I immediately began trying to get this corrected. 

After several hours of phone calls, a Chase Bank representative, XXXX, told me that because the transaction was a balance transfer, Chase Bank could not cancel the transaction from being applied to my account and could not refund or return the money to the sender. At this time and the time of that conversation, the money has been sent by XXXX XXXX XXXX but has not been received by Chase Bank. Chase Bank 's position does not add up. I have not been told how or why the transfer must be applied to my account, no exceptions, no refunds. I have told Chase Bank repeatedly that the money was sent in error and that I do not want that payment applied to my account. XXXX XXXX XXXX has contacted Chase Bank with me on the phone and told Chase Bank that they ( XXXX XXXX had a system error and that the transfer was a mistake. All I want is for the transaction of {$3400.00} be returned to XXXX and not applied to my account with XXXX. I do n't understand why this would be so complicated. I will still owe XXXX the full amount on the credit account, XXXX will collect more money in interest, and I 'm not a risk for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I emailed VP 's at Capital One. I called for 3 months straight and not getting anywhere. I am not even behind or ever late. I have 3 credit cards with capital one. They closed my account out without my knowledge. Did not help me when I called to try and lower the interest rate and make sure they were paid on time. They treated me horribly. I took another credit card and almost paid them in full. I live in the State of Florida and ignoring my requests for a deferral in payments that FEMA and government agencies implemented for Florida residents where I live. They are reporting I am late, I opted out of mailings, do not call. Still getting all of the above. I have emails proof I paid on time. I want to reverse my payments from my credit card and not pay them u yul these matters are resolved. Legally, I am allowed to receive a deferral due to the hurricane. These people are bottom feeders. None educated and untrained people. I am so upset my Fico score went down because of this horrible company. I want mailings to stop. All communication. This is illegal what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: SC

Complaint narrative:
On XXXX XXXX, XXXX Equifax deleted several accounts from my credit report. Most of them being accounts that are active with balances that I am still paying on like a current car loan and open credit card accounts. I find it extremely unprofessional that they consumers a hard time correcting erroneous but illegally against the FCRA delete things that are being reported correctly. I have spoken with a representative with the Fraud department by the name of XXXX who is telling me she is unable to see any of these accounts and wont be able to add them back on she is telling me that I should call the credit grantor and ask them to rereport. Which is something I have already done. The credit grantors are telling that Equifax must add the accounts back to the credit report being that they were the ones to delete them. Even with an active fraud alert since XXXX XXXX Equifax allowed for accounts to be deleted that were reporting correctly and accounts that I have no knowledge of to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient services my repayment plans for the XXXX student loans I have. As best I can understand my repayments of this now nearly {$400000.00} student loan debt, I am in an income contingent plan for some loans, in an income based plan for others, and in an undefined ( to my knowledge ) repayment plan for still others. My total monthly payment for all loans is approximately {$880.00}, about a quarter of my monthly income from alimony and any self employment I can obtain. I am over XXXX XXXX XXXX, single, and struggle with every penny to pay for my health care and these student loans. Today, XXXX XXXX, XXXX I called Navient to ask for an explanation of the monthly {$67.00} charge labeled " unpaid fees '' on the paper bill I receive for the loans in the undefined repayment plan. Navient 's customer service rep XXXX stated that I will be charged {$67.00} every month as " unpaid fees '' until all my loans are paid off. XXXX stated that when I pay the {$67.00}, that amount gets distributed " somehow '' across my loans but could not tell me how much or for which loans. She further advised me not to pay this fee and said if I did not I would remain current if I paid {$810.00} each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX My son who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX went into the Bank of America at XXXX XXXX XXXX XXXX XXXX Georgia XXXX to withdraw funds from his account. The teller XXXX XXXX XXXX XXXX and assistant branch XXXX XXXX XXXX XXXX XXXX told him " he could not withdraw the funds ", he would have to wait until the next day. The funds in question were available and did n't have any restrictions or holds on them. They were transferred to him from another bank of America account. An hour later I went back to the bank with him .The teller and assistant XXXX went back and forth about who actually said he could n't withdraw the funds. The assistant XXXX first told me it was policy, when I asked her what policy she said it was their policy. I explained to her that " any " policy they had, as an account holder I was entitled to see it. Then she stated she had to research his account and I explained her that 's the fraud department 's job not hers. Lastly she asked me XXXX times where did he get the money from which too was irrelevant. After XXXX minutes of me explaining to them their policies on deposits and withdrawals they gave him the money. 
When I spoke with XXXX XXXX who is the XXXX XXXX XXXX XXXX his explaination was he " did n't know what was on their hearts to make them racially profile '' my son. Neither the teller or the assistant XXXX were fired, suspended or transferred. They offered my son him XXXX as an apology. 
I have the entire encounter on video which I have shared with all parties involved.

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 2017-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC
State: AL

Complaint narrative:
I have had an account there since XX/XX/XXXX. I received a loan of $XXXX. I have made every one of the biweekly $XXXX payments since. I started calling onXX/XX/XXXX to find out the payoff balance. The representative told me there were technical issues keeping her from getting in to my account. (Something I later learned is a common tactic they use.) So, I called back on XX/XX/XXXX and spoke to the same girl. She told me she still couldn't get in to my account and promised that interest would stop accruing while we got this sorted.  She told me the balance would be emailed to me or I would get a call. I received neither, but two more payments have been debited from my account in the total of $XXXX. I spoke to a representative on XX/XX/XXXX who advised me that the pay off is $XXXX. Since I have been trying to settle this since XX/XX/XXXX, I told her I need the $XXXX that was debited after to be applied to this balance and allow me to pay the difference of $XXXX to close the account. She said her supervisor would call me back. I heard nothing. I emailed their customer service with this issue. No response. I called again on XX/XX/XXXX. The same girl assured me the supervisor would call me that day. No call. I have since called and left voicemails and sent another email. Still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Most recently, I received a letter from Synchrony datedXX/XX/XXXX, indicating that my request for a credit line increase could not be approved and directed me to contact XXXX for further details. Alarmed, my wife immediately called your consumer service ( XXXX ) on XX/XX/XXXX and spoke with XXXX. She than transferred the call to your Fraud Dept. where she spoke with XXXX. XXXX assured her that a block would be placed on the account to prevent further activity until I called. 

I then called the following day, XX/XX/XXXX and spoke with XXXX. XXXX indicated that the account had been closed. My wife called again XX/XX/XXXX to clarify the conflicting information. She spoke with XXXX who informed her that the account was in fact on hold and not closed. She assured my wife that I would receive a letter once the investigation was complete. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX further assuring me that, In order to protect the security and privacy of [ my ] account [ Synchrony would ] not allow any further charges on the account We were SHOCKED to receive a statement with a closing date of XX/XX/XXXX which shows a balance of {$4600.00}. Further, it reflects a transaction dated XX/XX/XXXX for {$3900.00}!

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 2017-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: WI

Complaint narrative:
I really ca n't tell anything but I get call for from some company said that I old them money.well for one stop trying to mess up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: VA

Complaint narrative:
On XX/XX/XXXX, 2017, I transferred a balance from a XXXX XXXX to a XXXX card offering a better interest rate. By the end of the month it was shown reflected correctly by two of the three credit bureaus. TransUnion to date has not corrected the balance to the visa card, despite filing 6 disputes through XXXX and one filed directly with them. I have contacted my bank twice and they assure me that they are indeed reporting the update to all three credit bureaus. Since two have managed to report the change accurately, I believe my bank. Transunion meanwhile is reporting the transfer to XXXX, however is still reporting the same amount still owed to XXXX. Needless to say my Transunion score is about 100 points less because of excessive credit card use.

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 2017-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I 've been trying to dispute this alleged collection debt of {$1200.00} that Diversified Consultants ( DC ) claim I owe. I sent DC my first certified letter dated XX/XX/2017, which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay them. If no such documents exist, all collection debts from Diversified Consultants should be ceased and removed from all my credit reports. DC replied with a letter dated XX/XX/2017, stating that they found the debt " valid. '' Their verification included a letter from XXXX, which included an itemized bill. I also noticed the address on XXXX bill doesnt belong to me. Theres also no signature agreeing that the debt should be paid to Diversified Consultants. DC 's evidence is invalid. I sent a second certified letter dated XX/XX/2017, which DC received on XX/XX/2017, according to the signed return receipt. I included in the letter that they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from Diversified Consultants since, which show they lack the proper documents. However, they continue to falsely report this debt on all my credit reports.

Company response to consumer: Closed with non-monetary relief