vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, 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 non-monetary relief
Consumer complaint received 2017-09-17 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: KY

Complaint narrative:
I have been trying to contact both Equifax and XXXX to place a freeze on my credit report for several days. I was one of the persons affected by the Equifax breach. 

For Equifax ... each time I try to enroll in their free service and/or request a credit freeze I get a website error. I tried calling their toll free number, but the folks there just referred me back to the website. It 's an endless loop of XXXX in which nothing is working. 

For XXXX ... I tried to pay for the freeze on my account to avoid signing up for their monthly service ( {$4.00} to start, {$24.00} per month thereafter ), however, I was not able to do that either without sending them a police report showing identity theft. I tried calling, but apparently there are no live humans working at XXXX. It was an endless loop of automated system XXXX in this case. 

Next step, call my local police department, and file an identity theft report against Equifax so that I can freeze my credit with XXXX? 

Much praise to XXXX. Their process was free and flawless. For Equifax and XXXX, I do n't know what to do now. I ca n't afford the expensive private services to protect myself. In my opinion Equifax should be putting fraud alerts out for all affected persons automatically without them having to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX 2017 I accepted payments on VENMO from a friend buying a car. He sent the money in one deposit and I then sent it to a 3rd party in {$900.00} increments. A day later I noticed all charges had been reversed and my venmo account balance is {$2900.00}. In addition to the reversed charges I received an email from VENMO stating my account was frozen do to suspicious activity and that after further investigation it had been deactivated. I still have funds on my account. The customer service rep I spoke to instructed me to have my bank contact VENMO personally but my bank says they have nothing to do w/ the issue at hand. I want my funds released because I heard after 180 days it becomes property of venmo or the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: AL

Complaint narrative:
I have attempted to contact Experian by mail and over the internet on multiple occasions to request they address my concern that they have placed two accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the VA believed it had overpaid for GI Bill benefits. Both of these accounts were paid but then both amounts were later refunded after a Congressional enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Experian, and they both appear as consumer credit entries on my Experian credit report, despite not being consumer credit accounts. I believe that Experian has violated the terms of the XXXX 2015 consumer credit agreement with the Attorney General of the State of Alabama that Experian signed in XXXX 2015 which stated they would not post non-consumer credit accounts into credit reports. I do not believe that under the terms of the 31 state agreement that these accounts are authorized to be entered into my credit report. Paragraph 3C of the 31 state agreement states The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). The VA overpayment accounts were not consumer contracts or agreements and should not be posted into my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I opened my account ending in # # # in XXXX and this card with BOA has been my longest line of credit. I have been diligent in payments and have several other accounts with BOA. 
XXXX XXXX XXXX I legally changed my name and requested BOA change my name on my accounts and re-send me new credit cards reflecting this. I received my debit card and other credit card with the new name on it, but this credit card was re-sent with my old name still on it. I requested a second one be mailed with the corrected name. Again, it came in the mail with the incorrect name on it. 
XXXX XXXX I had closed my account with XXXX XXXX and they had a standing balance of - {$84.00}. They provided me a refund of that amount on XXXX/XXXX/XXXX which was deposited into my bank account on XXXX/XXXX/XXXX. XXXX then incorrectly had that I owed them {$84.00} even though my account should have been closed and {$0.00} at this point. They INCORRECTLY sent me to collections. 
XXXX XXXX BOA sent me a check for {$1.00} because I had over-paid my credit card balance and this was to put me at {$0.00} for this account. 
On XXXX XXXX I received a letter from BOA stating that they CLOSED this account citing a collection account appearing on my credit file. There was no warning or route to dispute this claim. 
I attempted to dispute this with the BOA employee XXXX in XXXX in which he pointed me to check my credit. I then contacted XXXX, disputed the collection account on my credit and cleared that issue up ( See XXXX 's letter and XXXX 's letter stating this dispute had been resolved attached ). 
I then worked with another BOA employee- XXXX XXXX on XXXX/XXXX/XXXX to request that this credit line be reopened due to the fraud/disputed claim being taken care of. I received attached letter from BOA stating that " we were unable to approve your request to reopen the above referenced account because the terms for this account are no longer available ''. 
I submitted on XXXX/XXXX/XXXX that this be reviewed and reversed due to XXXX and BOA 's error and not my own fault. CASE ID XXXX. 
1. This account was closed in error 2. The issues cited as to why it was closed were in error and have been handled and fixed to the best of my knowledge.
3. This was my longest line of credit that is being affected and as a long standing customer and on-time payer- this has taken time and effort to fix something that was not my fault.

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 2017-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Vermont Student Assistance Corporation
State: VT

Complaint narrative:
XX/XX/XXXX- As my son approaches high school graduation, we start the financial aid process by filling out the XXXX XXXX XXXX , which seemed like the right thing to do. As it turned out more information was required, so both my son and I met with a young lady at VSAC who helped us through this process. At this time, nothing was mentioned by her about my son applying for a federal loan. ( as it would be more appropriate for him and that the payments would be income based and that the allowable deferment would give him time to find employment. ) XX/XX/XXXX- A snag with the loan. I am on the phone with VSAC to find out what the problem is ( as it turns out the school needed to submit required information ). All during this conversation, the VSAC representative never mentioned about us applying for federal loans. 
XX/XX/XXXX- My son is seeking financial aid to take summer classes. He is told that the application was cancelled because this was the time that VSAC adjusts their rates. Per my son, it was never suggested to him that he seek out applying for federal loans. 
XX/XX/XXXX approx. ) XX/XX/XXXX- I as the co-signer to my sons loans called VSAC, spoke with a woman in the loan department. She told me that his balance at the time was XXXX and his monthly payments were XXXX. At this time, I asked her, but this is income based correct? No its not, you are thinking of a Federal Loan. You should always go with a federal loan first. This was the first time in two years that we have ever received any suggestion about applying for a federal loan. But still, even after that, there was no guidance on how to pursue this or direction to the appropriate person to assist us with this.
Well two years and XXXX later, I discovered from a random phone call that I made, that we should have applied for federal loans from the beginning and thats with working right alongside of XXXX  XXXX XXXX XXXX. How could you let this happen? While you are in his account, looking at his balance that is accruing XXXX a day in interest, did it not occur to you to look for and offer alternative suggestions for financing? 
As a single parent getting their child ready for college I relied on you and you neglected your role. I have lost all confidence in your organization and what I have been led to believe your mission is.

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 2017-09-17 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: RI

Complaint narrative:
TRANSUNION will not do a credit freeze for me, either by phone or online. Tried from XX/XX/XXXX to 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 2017-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My husband wanted to add me to his account just as a Authrorize user then I received the denile letter so since it wad XXXX I responded and I was transferred to 8 represanative and none of them will tell me what was the problem they all kept asking me name address etc and transfer me to the next represantiven so finally the last rep asked me if I ever had any American Express card under my name and I said no I was always a card user not card holder then he said some one used my info and opened account so he said not to worry u wo n't be responsible for the chargers and they will clean up the 3'credit buera and I will receive a letter So yesterday I received a letter that they went in to my history and dig up my chapter XXXX bankruptcy whick they had no business dig that out I was discharged and cleared of everything by a bankruptcy court I am very disgusted and angry About American Express fishy and suspicious conduct The fact that they played me stupid and pkay this fruad game on me is pepostress and unexceptable My husband was just wanted to XXXX me to his card as a user I need cfpb to pay a close attention to this XXXX conduct of American Express And contact me asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My Identity was potentially stolen as part of the Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: TX

Complaint narrative:
I was notified by a credit monitoring company that a collection was placed on my credit report. 

I reviewed the entry, although Equifax locked me out of my report when I tried to double check the report for some odd reason. ( the website claimed that I answered the identity questions wrong ... which is not correct.. Verified against my actual credit report they provided me. So their system was either having an issue or the validation database it compares the answers to is not correct. ) At any rate I was eventually able to get through to the report to file a dispute on the account in question. ( it has already been resolved with XXXX, and XXXX who both also investigated this same account and deleted it already. ) However Equifax online dispute process has only limited general options to explain your complaint. ( this account really does not fall under any of them ... Because it was paid to the original hospital not to who ever this collection agency is that is called XXXX XXXX. Whom I have never heard of before it put an entry on my credit reports. ) So the closest check box option on the dispute submission that came close to covering what the problem was " I have no knowledge of this account / it is not mine. '' So this is the box I checked. 

Next came the whole complaint submission process, during which time I seen no way of uploading any supporting documents. ( I was able to submit supporting documents with my dispute to XXXX, and XXXX which helped them resolve the dispute. ) Then Equifax conducted some kind of investigation.. and sent me the attached results. 

Which resulted in them updating the collection to being paid, and according to the results they verified that it belongs to me and is owned by some company named XXXX XXXX 

Which if they are reporting accurate information : They are saying that I paid some company named XXXX XXXX for my XXXX Hospital bill for visit XXXX with a service date of X/XX/2015. 

Which is obviously in accurate by the attached receipt, and screen capture of my XXXX Hospital balance for the visit in question. 

The receipt XXXX hospital sent me clearly states " XXXX XXXX XXXX, XXXX Hospital '' on it. 

I want to know how they verified this account was allegedly paid to a collection agency when the receipt clearly shows it was paid directly to XXXX hospital directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 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: U.S. BANCORP
State: AR

Complaint narrative:
I HAD A LOAN THROUGH US BANK IN 2014, THE CAR TOTALED AND THE INSURANCE COMPANY PAID OFF THE LOAN. US BANK EVEN GAVE THE INSURANCE COMPANY THE TITLE OF THE CAR. I WAS TOLD THAT I HAD TO MAKE ANOTHER PAYMENT AFTER THE TITLE COMPANY PAID OFF THE LOAN-SO I DID FOR XXXX. I THOUGHT THIS WAS VERY WEIRD, BUT I HAD MISSED ANY PAYMENTS AND DID N'T WANT TO DAMAGE MY CREDIT. EVEN THOUGH THE INSURANCE COMPANY STATED THAT THEY GOT A PAID IN FULL LETTER FROM US BANK. NOW I SEE A CHARGE OFF ACCOUNT FOR XXXX ON MY CREDIT REPORT FROM US BANK, THEY ARE STATING THAT I SHOULD HAVE WRITTEN A CHECK FOR XXXX, AFTER THE INSURANCE COMPANY PAID OFF THE LOAN. BUT I CA N'T GET ANY DOCUMENTATION FROM US BANK AND THE CHARGE OFF DEPARTMENT IS STATING THAT I OWE IT " PLAIN AND SIMPLE ''. SOMETHING IS NOT RIGHT HERE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX XXXX To whom it may concern : " XXXX XXXX XXXX helped me with fund-raising campaign to gather funds for my medical expenses. Upon completion of the fund-raising round, a check for {$4800.00} was sent to me. 
The custodian for the funds raised was supposed to be XXXX XXXX. Given that I am an ultimate beneficiary of the funds raised, by error, the check was written to my name instead of XXXX XXXX. 
On XXXX XXXX, XXXX, I and XXXX XXXX went into the XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, OH, XXXX ) of JP Morgan Chase bank to deposit the check. This branch happens to be the branch, where my account was opened and I conduct banking. Having presented the situation to the branch associates, we got a go ahead to " double endorse '' the check in question and to have it deposited to XXXX XXXX 's account in JP Morgan Chase. We proceeded and deposited the check right there and then. The check got successfully cleared on XXXX XXXX, XXXX. However, afterwards, the Chase Bank put account under the review, subsequently froze the account and eventually closed it about a week later. 
Upon account closure, XXXX XXXX received a " closure correspondence '' from the Chase Bank, refunding him all the money contained in the account short of the amount of " my check '' deposited on XXXX XXXX, XXXX. 
Ever since, multiple attempts have been made by phone to the " back office '' and in person at the local branch to try to receive the funds or at least to find out the whereabouts of it. Over the past 7 weeks, various demands have been made by the bank as necessary conditions for funds release and all have been satisfied. Each time demands were met, we were about to learn that what was done was not so crucial or critical, and there was yet another demand we were not told about, that we were supposed to fulfill. 
I, XXXX XXXX, different officers from the charity " XXXX '' diligently tried and succeeded meeting and exceeding every request and demand placed upon us. Yet, after 7 weeks of efforts and attempts, the Bank still retains the funds, refusing to release it or to reverse original transaction and declines to provide any formal response as to what happened to the funds, its location, the reason for retaining it and timeline for its release. 
It appears to be a plain larceny on the part of the bank and has been causing tremendous waste of time and resources on behalf of multiple parties as well as delay in vital medical care to which end the funds have been raised. 
I implore the Office of Comptroller of the Currency to look into the matter and bring the speedy resolution of the issue, granting us the access to the much needed funds. 

Thank you! 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: DC

Complaint narrative:
I received a letter from Hunter Warfield dated XXXX XXXX, 2017 saying I owed them {$340.00} that they werre collecting on behalf of XXXX XXXX. 

I called them today but they only take calls during normal business hours. I sent them an email telling them I have no knowledge of such debt, have never had any interaction with XXXX XXXX and to cease efforts to collect such debt. I told them if I do n't hear back from them within 48 hours I would contact the appropriate authorities. 

Nonetheless, I want to start the complaint process now before this affects my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There was a wrongful public records on my account from fraud. I just disputed this item with Equifax a couple of months ago through the CFPB. Equifax responded that the item was deleted and updated. The item is still showing up on my credit report so they lied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a result of the XXXX breach, I 've been trying for days to request my credit report from annualcreditreport.com online. Each time, I have received a message "... can not be fulfilled online at this time, based upon the data provided. '' Today 's message included more information : " To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. '' The alternate solution was to request the information by mail. 

I did NOT want this private information delivered by mail because of frequent Post Office misdeliveries. So, I called the phone number provided and gave the exact information that I 'd given previously to get it online : Name, address, ss # and DOB. Given a choice of the three companies, I chose TransUnion. I assumed the next step would be for me to talk to a person and provide additional information to verify who I am. 

Instead, the auto-call abruptly ended with a message that my credit report would be mailed to my home in a few weeks! I am so upset that security is so lax with my personal information, and that I had no choice to opt out of them mailing it to me. I fully expected that whatever the glitch they detected in filing online would be resolved by the phone call and I would immediately receive the report by email. 

In addition to being one of those whose information was compromised according to XXXX, my detailed information is now being sent by snail mail, without the benefit of challenge questions. It 's irresponsible!

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