vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.

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 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have disputed information repeatedly regarding my XXXX XXXX XXXX XXXX auto loan. They have indicated that they " researched '' the account and found the reporting to be accurate. This can not be possible as I was forced to wait in their XXXX XXXX XXXX location most of the day while the loan was audited and found to be current. The issue occurred when they added insurance to my account without informing me. I walked into the branch every month and made my payment. Not once did any associate tell me I was behind on my account until I received a one month late notice. I was confused but brought it current. They continued to carry the insurance fee over until my payment was one month late. When I questioned them, they would not give me information. When I finally got to the information I needed, I corrected the insurance issue. They chose to apply the insurance credit to principle and refused to bring my loan current. I went to the primary branch and remained in the lobby until a representative finally put the loan in for audit. The audit revealed that the loan was not behind. That representative told me he would not correct the reporting. I have been disputing it since then. If the audit revealed the loan to be current. The reporting should have been corrected also. There is no logic to support that an incorrect loan that required auditing and correction was reported accurately as it was.

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 2019-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
I have contacted Mr Cooper about this issue twice already and currently have a third message to the company letting them know that I will also be reporting them. 
I was charged two separate charges from Mr Cooper in XXXX, 2019. The first amount was XXXX and the second amount was XXXX. My monthly payments should have been XXXX. This means that for the month of APR I should have had two additional principle payments. One for XXXX and one for XXXX. Last time I contacted, it looks like the XXXX principle was reversed and the XXXX extra escrow was reversed and then XXXX was applied to principle. There are still two " monthly payments '' that were applied. One for XXXX ( which my my correct monthly payment ) and one for XXXX ( which should be principle payment only ). Having paid and extra XXXX back in APR would mean that my XXXX and XXXX payment disbursements are not tracking correctly and I am paying extra interest every month ( since the principle amount of the loan should be less ). This also makes me uneasy about making extra payments in the future since I am having to fight to get it applied properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, we were approved and were funded for a loan with NetCredit. In XX/XX/XXXX, we had to close our bank account ( of over 30 years ) because of fraudulent activities ( someone tried to cash checks against our account ). I immediately started reaching out to all direct debit companies ( utilities, insurance, loans, etc. ). 

As you will see from attached correspondence, we reached out, followed their instructions, and still received late notifications. Despite my several attempts to have them follow through, these attempts were ignored. 

When I try to make payments through the website, I receive a message saying that we are not set up for automatic payments and we are unable to make payments online. 

I will be making similar complaints about two other online lenders. This issue may be endemic to online lenders because I did not have funding issues with any other online payment provider. 

Despite our repeated efforts to resolve the issue, we are being hit with penalties and late fees, as well as reporting to credit bureaus. I am going to file this complaint with every single source possible and I am hoping you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I checked my credit report and realized there was an account reporting derogatory. On XXXX the XXXX 2019 I mailed XXXX XXXX XXXX in regards to account number XXXXxxxxxxx. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws of the debt they claim I owe of {$500.00}. I has been almost two months now and they have not responded to my letter that was sent certified mail on XX/XX/2019. Not only has it been more than 30 days since they signed for my letter on XX/XX/2019, but they also have not updated my credit report to show that this account is in dispute. As a result I am requesting that they have this account removed from my credit report Delete account number XXXXxxxxxxx from my credit report across all three credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Best Buy account on or about the end of XXXX with a minimum payment of approximately {$27.00} due monthly on an interest free purchase for 24 months. However, since opening the account, I sent consistently and monthly sent a payment of {$100.00} until my last payment of {$150.00} was paid in full. All payments were sent via XXXX XXXX Bill Pay monthly with the last payment on XX/XX/XXXX. After sending in my last payment, I received another invoice in XXXX reflecting a late fee of {$27.00} charged to my account. In XXXX I received another invoice with the past due balance of {$27.00} late fee plus a second late fee of {$29.00} making it a total of {$56.00}. Within the last two weeks, I have been getting daily calls from Citicorp regarding the past due late fees not being paid. Today, XX/XX/XXXX I spoke with a rep at Citicorp about this and he stated that I should call Best Buy to resolve this issue. However, I did write and explain to Customer Service at Best Buy on XX/XX/XXXX explaining the exact issue mentioned here. No one from customer service has responded to this matter. Yet I continue to get harassing calls on a daily basis regarding my account being past due. It was paid in FULL when the last payment of {$150.00} was sent on XX/XX/XXXX via XXXX XXXX Bill Pay and posted on XX/XX/XXXX as reflected by Best Buy in their last invoice to me received XX/XX/XXXX. In my letter dated XX/XX/XXXX sent to Best Buy I requested my account be closed and that the late fees be credited off my account. Best Buy previously stated that the payment was received one day late. It was received and posted on XX/XX/XXXX, by Best Buy but sent by XXXX XXXX on XX/XX/XXXX via EFT bill pay. Best Buy stated to me that it should have been paid by XX/XX/XXXX. One day late and I am being harassed to pay them late fees now. It appears that late fees are continuing to accrue monthly on an account I paid in full in XX/XX/XXXX and that no one has responded to my written correspondence sent to Best Buy, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I'm being ignored and harassed for late fees on a closed account which was paid in full and which payment was received in full one day late per Best Buy. It appears they are continuing to bill me late fees monthly. Is this legal?

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 2019-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied for an American Express XXXX XXXX Card and was told there would be no fee the first year. I never received or activated the card, but began receiving bills for {$95.00} per month the annual fee. I have called this Company multiple times to complain and each time they have promised me the account is closed and the {$95.00} fee has been reversed. Each time that that has proven to be false. This seems very similar to how XXXX XXXX took advantage of consumers. 

I am requesting that the account be closed. The {$95.00} fee be reversed and an ethics complaint be filed against American Express as they clearly do not have the internal procedures in place to remain in compliance with consumer finance. The refusal by this organization to provide me written notification of the status of my request is against the Fair Credit Reporting Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2019 dept recovery solutions file on my credit I owe them {$680.00}. I do not I have never done business with the company ever before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear, I have Paypal account and amount of money on Paypal balance from selling product. I did withdraw funds XXXXUSD from my Paypal balance and sent that money to my XXXX bank account on 1XX/XX/2019 but it's not successful. I lose XXXX of withdrawing fund and XXXX of reversing money from my bank account.Paypal tell me to fix my information on paypal website. I already do that. I did withdraw funds XXXXusd again on XX/XX/2019 and lose XXXX again. But until now I still don't see my money appear on my XXXX bank account or reverse on my paypal balance. I contacted Paypal so many time but they don't answer me. I doubt that they are appropriating funds. Please help me. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 CFSI filed on my credit I owed {$490.00}. I do not. I have never done business with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-06-16 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2018 National credit adju ( XXXX ) filed on my credit I owe {$1200.00} I do not. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently reached out to the three bureaus because I checked my credit report and it was a lot of fraudulent accounts that I did not authorized..it was a XXXX card, amount is XXXX that is fraudulent, two XXXX XXXX cards that were fraudulent. also a XXXX XXXX credit card that is fraudulent.. I reached out to the bureaus and provided all the necessary documents for identity theft ... XXXX honored my request. Equifax didn't. XXXX honored it by deleing the accounts but today one of the showed back up.. I completely have no knowledge of those accounts and I will not stop until justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2015 XXXX XXXX filed on my credit that I owe them {$85.00} I do not. I have never done business with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Received notice from an existing credit card company that they were increasing my interest rate based on an experian credit report. 
I attempted to file a online complaint with experian provided ID information including social security number without which no information was forthcoming. experian claimed divulging my social security number was mandatory. 
After providing the information experian would not provide a copy of my report or credit score but offered me my selection of sixty two new credit cards from different banks, etc. 
They also made a major marketing effort to sell me services such as credit watch etc. 
It is obvious that experion is attempting to scare consumers into purchasing their financial services. A scam! The CFPB and other regulatory agencies or any curious person should visit the experian website and see for themselves.

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 2019-06-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
Continued from last complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter by email threatening to put me in collections a collection agent already contacted me previous before the email. Saturday I received a statement from the collection agent. According to the statement the balance is higher than what the service provider is asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
Ally is holding my funds due to a merchant error causing refunded checks. My auto payment will be returned to cause a late payment with my lender.

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 2019-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I reached out to Transunion, they deleted the accounts but then one account reported back on my file. I had four credit cards that were result of identity theft

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 2019-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX a company I never heard of under confusing multiple names ( Halsted, XXXX XXXX XXXX ) that I do not owe but they claim they took over as I do not owe them anything indicated they are XXXX XXXX XXXX XXXX XXXX. WHile they threatened me that they will take legal action, damage my credit report. They also indicated I had to make a minimum of over XXXX on both acts as I informed them I wasnt working and in a hardship, they continued to move payments down to {$10.00} a month. I had no idea I could dispute the accounts until last month. They said I am required to provide my routing number and act number including my bank card number or they will pursue action. I provided this info to them as I was very afraid and felt threatened. First Payments were set up to take two {$10.00} payments ( XXXX and XXXX ) on XX/XX/19. I uploaded copy of the terms showing XXXX pmts set up and email, However instead they took {$19.00} on XXXX-I did not authorize either payment. I called Halstead the day of and spoke with a male, XXXX accent, could barely understand what he was saying. He did say that I will be charged a XXXX dollar fee every month which was included in the payments, I said how dare you, you have no right nor did I authorize this. He hung up on me. I also sent a letter disputing both acts on XXXX XXXX, this company continued to take funds from my act,. I was charged overdraft fees, see proof for 2 months as to date. The refuse to leave my account alone. They have no right. I have been charged over XXXX in od fees as they refuse to cooperate and doing nothing but jeopardized my checking act where other transactions are not go through. I informed XXXX XXXX that these are illegal unauthorized transactions. First of all I never agreed to pay this company and extra XXXX fee for monthly payments so they can get rich. I have disputed both acts and the balance on these acts are false and nothing but a scam. They refused to provide me a copy of the agreements with XXXX and XXXX XXXX, refused to show my signature along with the bond showing they have the right to collect. They have caused me stress and issues with my checking and other acts by their lies and scam. They owe me over XXXX in od fess as to date.as Im tired of the threats and going into my act every month to take unauthorized funds. Not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: AMERIS BANCORP
State: GA

Complaint narrative:
On XX/XX/XXXX I made a payment to my credit card ( XXXX Mastercard ) for {$51.00} through my banks bill pay ( Amerisbank ). It was cancelled on XX/XX/XXXX. I made another payment on XX/XX/XXXX for {$100.00}. It was cancelled on XX/XX/XXXX. I have contacted both the bank and credit card company. Both deny any responsibility. My credit score dropped from XXXX to XXXX. I did nothing to have this occur. I have worked hard all my life to keep my credit score high and don't like that it was lowered due to no fault of mine. All I am seeking is my original score before this happened.

Company response to consumer: Closed with explanation