vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 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: NC

Complaint narrative:
Recently, I disputed a trade line that is being reported on my credit reports by XXXX XXXX. I disputed this trade line because I disagree with the amount claimed to be owed. Nevertheless, the results of the dispute came back as 'verified and accurate/meets FCRA requirements '. Thus, in XX/XX/2019, I wrote a letter directly to XXXX XXXX requesting a copy of the original contract ( signed ) or accounting records used to VALIDATE the amount claimed to be owed. However, instead of sending me any of the requested documents, on XX/XX/19 I was sent a one page summary that listed my name, address, and the amount claimed to be owed. Moreover, I wrote a follow up letter to XXXX, in XX/XX/2019, which was received on XX/XX/2019. I am aware they have at least 30 days to respond, however, I called XXXX on XX/XX/19 and I was told by a customer service rep that were no records on file to validate this alleged debt. Given these facts, I am demanding that this trade line is permanently deleted from my profile.

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 2019-10-21 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I HAVE SUBMITTED SEVERAL DISPUTE ASKING EQUIFAX TO REMOVE THE VERBIAGE FROM CONSUMER STATEMENT ON MY CREDIT FILE. THEY HAVE REFUSED TO REMOVE IT. I DID NOT AUTHORIZE THIS STATEMENT THAT IS ON MY CREDIT FILE, NOR DID I MAKE SUCH STATMENT. ATTACHED TO THIS COMPLAINT IS THE STATEMENT THAT IS SHOWING ON MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
Mariner finance continues to harass me with phone calls at home and work even though I have been to there place of business 2 times and asked they STOP calling me. This is Mariner Finance in XXXX Tennessee

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 2019-10-21 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 am so angry and frustrated with Equifax and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help.

The companies I am reporting are 1. EQUIFAX 2. XXXX XXXX ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and Equifax is by far the worst credit bureau to deal with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
The issuing bank is Fifth Third Bank, credit card ending in XXXX. 
In XX/XX/XXXX, I closed a checking account with 5/3. There was an ach of {$120.00} to XXXX  XXXX XXXX that was made on this account. I disputed this charge twice, denied both times and paid 5/3 the {$120.00} + late fees and interest charges totaling {$330.00} on XX/XX/XXXX. See attachment statement dated XX/XX/XXXX. 
This was not the full balance and I asked 5/3 to waive the remaining {$38.00} late fee. They have refused to do so and have continued to add late fees and interest to this account. See attached statement dated XX/XX/XXXX. 
I have sent numerous messages both online and by phone. I have even filed a complaint with the XXXX with 5/3 refusing to resolve this matter and stating they would no longer communicated with me. 
I'm seeking the balance, as of this date of {$160.00} be waived. This balance is only late fees and interest. I also want this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I pre-pay my loan quarterly, and they take my payments as principal reduction and then try to charge me late fees. This is called predatory lending practices. This is why we invented the CPFB when I worked for XXXX XXXX at the FDIC. I have notified them in writing and verbally several times and they still take my exact mortgage payment - and then say Im late. Every time they apologized but they keep doing it. I make my payments about a week apart in the exact amount of the loan payment and yet still - its applied to principle reduction and then send me late notices. This is predatory lending practices, specifically loan servicing predation.

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 2019-10-21 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:
Still have not finished fixing there mistake on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Factual or Inaccurate Errors regarding LVNV FUNDING ( Debt Buyer ) and RESURGENT/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX ( Debt Collectors ) Account reporting One Month Term. 
I have never signed nor made any terms/agreements with any of the collection agencies listed above or elsewhere. 

Account reporting as 120 days late. 
I have never opened an account with any collection agency and have never promised to pay monthly payments. 

Account is reporting as an Installment. 
No terms nor agreements were made when any of the listed or non-listed debt collectors purchased said debt from original creditor. Collection accounts are not installment accounts. 

Account reporting the debt as revolving. 
Inaccurate After multiple disputes this debt buyer has " closed account '' ( as if I had an account with them directly ) as of this month ( XX/XX/XXXX ) and marked it as a charge-off ( as if they are an original creditor instead of a debt buyer or collector ). 

- I recieved letters that were made to look as if they are lawyers ( XXXX XXXX XXXX XXXX ). 

- I have been offered debt settlements from different collectors whom LVNV has given my information to ( RESURGENTXXXX XXXX  XXXX XXXX XXXX and others ) that has caused confusion regarding said debt. 
ers ) that has caused confusion regarding said debt. 

- I have been harassed constantly since XX/XX/XXXX with hundreds of letters, emails, and calls from these companies. Yet, despite disputes will not remove inaccurate information and continue to submit inaccurate information, which has significantly harmed my credit - I have requested via Resurgent that these errors be resolved with no reply from company. 

According to my consumer rights, I have the right to have my credit reports reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Paypal withdrew money from my account to pay for Paypal credit without my permission. I wasnt prepared to make the payment. Baiscaly I had an amount due w/PP Credit and I had cash in my normal paypal account. Apparently they can just take that out without consent. I dont see how thats fair.

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 2019-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I closed my PNC Bank account on XX/XX/2018 and 2 employees both told me in person that everything was good and my account would close out i didnt need to do anything but a few days ago i get a bill from a debt collector stating i owe XXXX and i never got any letters or anything from pnc which of course she claims she sent many of them. She wouldnt listen to me on the phone and if i owoed money from 2 months before i closed my account why wasnt i notified of this when closing said account? doesnt make any sense to me but it should be employee error not mine. This has been a year ago also so why am i just now being notified after that amount of time, to me its just weird and doesnt make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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:
A few months ago, XXXX XXXX XXXX processed an order to purchase a mobile phone because someone fraudulently used my SS # and DOB. We reported the problem when we received a statement. No problem, they took care of the issue and I filed all the necessary alert, notifications, even the .gov site where you report identify theft. This week, while attempting to access my Experian site, I requested that they send me my user name which I had forgotten. When they replied back that the user name had been sent to my email address, the email address was not mine. I've attached a screen print. I do not recognize this partial email address at all. I have attempted to call Experian to alert them that they have the wrong email address for me. It is IMPOSSIBLE to reach Experian by phone AND reach an actual person. I've tried at least 5 different numbers that all lead me through the same progression but never to an actual person. I have entered my SS # and zip code multiple times but it never results in making progress. It is unconscionable that they can not be reached to clear up this fraudulent use of my information. Thankfully, I have a credit freeze on all my accounts. However, this issue needs fixing. I did not choose to do business with Experian. It should be possible to reach them or even email them. Currently, it is not. Please fix this and clearly, consumers are not able to do anything but appeal to a regulator. Thanks.

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 2019-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: NY

Complaint narrative:
Volkswagen credit, month of XXXX, XXXX, XXXX I made a payment through a credit card without being informed that credit cards are not accepted which is unheard so throughout the whole time I assumed I was fine I paid everything on time besides XXXX I wish someone would of called me or told me that payment didnt go through or credit cards were not accepted I reached out the resolve the issue and nothing could be done even though I was not told or informed I never make late payments only once due to health problems in 2017 now my credit history is gon na be effected negatively because of them not informing me that credit cards werent able to be used

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Charged {$35.00} annual fee up front. I assumed this was charged after one year. I only got the card for a short term thing, and would like to close ... Ive had about one month. Please return the {$35.00}. For anyone reading this ... this is a capital one quicksilver card for people with average credit ... apparently they like to XXXX you with these little fees ... if I had better credit no annual fee, lame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am so angry and frustrated with XXXX and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help. 

The companies I am reporting are 1. XXXX 2. XXXX XXXX ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4.  AMERICAN EXPRESS 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and XXXX  is by far the worst credit bureau to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am so angry and frustrated with XXXX and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help. 

The companies I am reporting are 1. XXXX 2. ALLY FINANCIAL ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4.  XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and XXXX  is by far the worst credit bureau to deal with.

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 2019-10-21 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: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
fedLoan Servicing provides contact information that the customer is supposed to use to get information from the loan service provider regarding their loans. I called the phone number clearly provided by the loan provider ( XXXX ) to try to reach the loan provider regarding " rebate adjustments '' that were added to some of my loans on XX/XX/17. I wanted clarification on what these " rebate adjustments '' were I was not certain why they were added to my loans. After dialing the number, I went through the numerous phone type checkpoints where I verified all my information and where they repeatedly asked my if I wanted to make a payment. After a bunch ( how many is a bunch lawyers might as *eye roll* ) I was told by the robotic recorded voice that I was 1 minute away from speaking with  a customer service representative. The phone rang a couple times and then the call ended abruptly. I did not hang up and the call ending was certainly due to something on the loan provider 's end. How can I be so certain I didn't end the call ( is probably something lawyers would ask XXXX XXXX )? I called back directly after and that call ended abruptly as well, this time before the robotic voice even read me a menu. 

All I want is information about my loan. I would like clarification about what a " rebate adjustment '' is and how/if I can avoid incurring them in the future. I shouldn't have to call repeatedly to speak with a real person to get this information, not to mention that this information should just be easily and readily available without having to contact customer service in the first place. Thank you very much Loan Provider for my education, I really can not extend more gratification towards the incredible opportunity that you providing me these loans has granted me. I would like to pay you back in full, with interest! I think you deserve that. That being said, quit being so XXXX XXXX and have some decent customer service ( oh my  gosh he used a derogatory slur *eye roll* ). 

Keep your dicks in your pants and leave the female interns alone. Im looking forward to hearing back from you. Thanks - XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I believe the account was the result of identity theft. I didn't receive written notification about debt so I can dispute debt. 

The 3rd party customer service representative ( XXXX XXXX, Waypoint Resource Group ) would not provide ( flat out refused ) the address the debt was from. He stated I had to give him my address, phone, etc. I asked how am I supposed to know he's not changing the information to match what he insisted I give him. He stated he could not escalate the issue to get it removed from my credit report if I didn't give him my address & phone number. He said to just trust him-I DO NOT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America platinum credit card {$100.00} air fare is not Refund On XXXX / XXXX, I bought a seat fee for spirit Airlines XXXX Dollar and I have not Refund it until now When I applied for a credit card, the welfare plan specifically stated reimbursement of {$100.00}, seating fees Didn't tell me which airline wasn't included

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 2019-10-21 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: U.S. BANCORP
State: IL

Complaint narrative:
I notice that my credit report was ran without my consent on XXXX by ELAN FINANCI twice , XXXX by XXXX XXXX XXXX and XXXX by US BANK. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on 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 non-monetary relief