vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I contacted all three credit bureau to have account removed but is still on credit report. Contacted few times no results.

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 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One placed a stop payment in error on a close out check sent on XX/XX/XXXX, received on XX/XX/XXXX. Their reason for error is stated as " expectations not set correctly '' or similar thereof. A second check was sent on XX/XX/XXXX, the day I left for vacation. It was intercepted by a XXXX XXXX, my signature forged and cashed fraudulently. As the stop payment is an error on end of Capital One and thus replacement check sent out, Capital One is responsible for loss. Unfortunately, they will not admit so and claims the person, XXXX XXXX, lives at my address when she in fact does not. The funds were not received by myself, Capital One owes me the amount of check, XXXX. Further, the signature on check is not mine, Capital One is aware of this as they have my signature on file as reference. I previously requested the physical address to mail small claim and notice of suit to Capital One as well as name and number of their legal counsel, A XXXX XXXX took well over a month to reply and did not provide requested information. She responded with a web address to go to and left her contact number when she does not accept calls, return messages or calls. A total of seven ( 7 ) messages left thus far, none returned. I need physical mailing address to send notice of small claim suit to as well as name and number of their legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: GA

Complaint narrative:
I have submitted this letter to all the credit agencies, Equifax, XXXX and XXXX  and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review. 

I have provided the letter in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
XXXX XXXX is the loan service I got my student loan for XXXX from and though I did not continue my education at XXXX for my own person reason which I will not disclose, I am not responsible for paying off the loan. My mother cosigned on the loan for me at the time and I am not quite sure of the date that I called XXXX XXXX is check what I would pay every single month once my grace period was over but I do remember the female telling me about {$25.00} or {$50.00} a month after the grace period. I was fine with that because not only do I owe other loan services money, I work two part time jobs that don't pay as well as I'd like and I have to pay my credit card bill along with my phone bill. So {$50.00} was good enough for me and from the way the lady spoke to me she seemed as if that would work well for her as well. I was unaware that from the month of XX/XX/2017, accrued interest was being put on my loan and has been, to this day that I am reporting this, it's still being put on there. When I first checked the loan to start paying it off in XXXX on the XXXX of {$50.00} the loan was at {$12000.00} and now, the time that I am writing this the loan is at {$13000.00}. Any money I am putting towards the loan for XXXX XXXX means nothing when the accrued interest rate bumps it back up dramatically. I am unable to do anything and if I go too long without paying it because it's in my mother 's name and I have to make 12 payments to finally release her as the cosigner, she's worried about her credit score decreasing. I am only XXXX year old, I am trying my hardest to work two jobs so I can do what I promised and pay my loans off. Getting a job at my age is hard enough but it's even harder when any money I do earn from my jobs goes straight to XXXX XXXX but it's not making any difference in the loan itself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted this letter to all the credit agencies, XXXX, Transunion and XXXX and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review.

I have provided the letter in the attachment.

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 2018-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted this letter to all the credit agencies, XXXX, XXXX  and Experian and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review. 

I have provided the letter in the attachment.

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 2018-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I contacted all three credit bureau to have account removed but is still on credit report. Contacted few times no results.

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 2018-07-27 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: DC

Complaint narrative:
I contacted all three credit bureau to have account removed but is still on credit report. Contacted few times no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I submitted a research request for credit file confirmation # XXXX to have addresses that I have never lived at removed from my file. I included a letter requesting the incorrect information be removed along with the required proofs if identity. I have now received credit file conformation # XXXX and the incorrect addresses have not been removed. The incorrect addresses are XXXX XXXX XXXX, XXXX, MI XXXX. XXXX XXXX XXXX, XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
I leased a car from XXXX XXXX and in XX/XX/XXXX, I traded the lease to purchase a pre-owned vehicle. Knowing that I owed extra money for a few remaining payments, extra mileage and a few minor exterior issues, I pre-paid the extra fees at the dealership upon the purchase of my vehicle in XX/XX/XXXX. The dealership assisted me in figuring out the charges and I paid a certain amount down and the rest was rolled into my finance agreement. It was almost {$2000.00} extra that I paid back in XX/XX/XXXX to take care of any outstanding charges from the lease that was turned in and it was my understanding that when I left the dealership that day, that everything was taken care of since I pre-paid all fees to XXXX  XXXX. I received zero correspondence until XX/XX/XXXX/XX/XX/XXXX, over a full year later until I was in the hospital fighting for my life with XXXX XXXX XXXX XXXX XXXX XXXX. I received a phone call from XXXX XXXX at this time, while I was still admitted to the hospital, that I owed them almost {$800.00}. I explained to them that they should have taken that up with the dealership who had received the money over a year ago and I had no idea there were any issues/outstanding payments. I explained to them my health condition but that I would try to get to the bottom of it as soon as I could. Not even a few days go by and I'm still in the hospital and receive a call from XXXX XXXX  stating that the matter was now in collections. I explained the whole situation to them and that the dealership had the money since XX/XX/XXXX when I paid it then. I also explained that I was in the hospital but would try to figure out what was going on. They said no problem and were going to give me 2 weeks to figure it out. Unfortunately a couple of days later, XXXX XXXX put a charge-off on my credit without checking with the dealership or giving me time to figure it out. If you look at my entire credit report, I am never late and pay all of my bills on time. Even this very account, which is listed as World Omni on my report, was always paid on time, never late. Then, mysteriously in XX/XX/XXXX, there is no data for the entire year on this account on my credit report, then a charge-off goes on there XX/XX/XXXX. None of this makes sense and I've tried to communicate with XXXX XXXX who admits to getting returned mail and having completely incorrect contact information for me, but will not agree to take this off my credit and make things right. Due to massive medical bills and student loans, I can not afford a lawyer regarding this right now. I don't know what else to do, I have exhausted all my efforts and have worked very hard for 18 years to keep my good credit. I feel very defeated and frustrated because there is nothing I can seem to do to get this corrected. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC
State: IL

Complaint narrative:
I have reached out to this company numerous times to no avail. Ive made phone calls and sent various emails. They are reporting an account which is fraudulent and does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2018 I found out that I was a victim of Identity theft. The police were contacted and a report filed, as well as the FTC and the Credit Bureaus. To date Equifax has not removed any of the accounts that have been reported as a result of the Identity theft. I have sent three letters providing them with all of the information request in regards to the Identity theft and they still have not removed the fraudulent information. I am in the price of seeking legal action against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Great American Finance Co
State: IL

Complaint narrative:
I have reached out to this company numerous times to no avail. Ive made phone calls and sent various emails. They are reporting an account which is fraudulent and does not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Called into Transworld Systems Inc and Spoke to a woman agent on XX/XX/XXXX @ XXXX for 5mins and 20 seconds because I received a letter stating that I owe {$730.00} in unpaid toll on license plate number XXXX. I gave her my account # listed on the document. She said this debt was from XXXX. I explained to her that that is impossible because I just received a letter stating that I owe a balance of {$350.00} almost a month ago.Then she stated i actually owe a total of {$2300.00} from XXXX XXXX in unpaid toll from 1 year ago starting from last XX/XX/XXXX to now. I told her that was impossible. I asked her what was the license plate numbers she read of XXXX and XXXX. Now I'm assuming that {$1500.00} is unpaid tolls for XXXX. I stated again that is impossible. I am confused is this from XXXX or XX/XX/XXXX. She said both. I asked her Can you please give me the total amount due on plate number XXXX. She said she could not provide me with that. I asked her could she send me photos with dates and times and shots of the plates, she said she could not. Go on the website and find the information, which I was unable to do so because the violation number was inaccurate for the XXXX plate and it would not come up without the violation information. I stated to her, you do know we are on a recorded line and I am asking you for a total to make a payment and you are denying me and referring me to a website. I do not feel comfortable or confident that the information provided from that company is correct. Please help me. I am not working now and I do not want to be ripped off giving the little money I have now. I just want clear concise information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
someone opened a card in my name and been paying Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$390.00} {$390.00} {$390.00} No. of Months ( terms ) : 0 0 0 High Credit : {$530.00} {$530.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$400.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history

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 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submitted the proper paperwork to Transunion to remove the fraudulent accounts from my credit report and Transunion did not remove them.

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 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: FL

Complaint narrative:
On XX/XX/18 I was denied application into XXXX XXXX XXXXXXXX XXXX XXXX due to a credit/consumer/background/criminal report done by XXXX XXXX   XXXX XXXX . They said that my tenant risk score was too low even though my Transunion tenant score was higher. When I asked how the score was derived XXXX told me Corelogic does the score. When I called Corelogic they said  XXXX does the score. XXXX sent me Corelogics flyer and according to it I should have qualified with no problems. I have a long standing work history with the same employer, no evictions, no criminal record and no collection or past due accounts. I lost out on a purchase of a condo with no explanation. I wanted to appeal but the owner had another offer which was higher than mine so I refused. I believe the association management company XXXX XXXX XXXX adjusted my score with the help of Corelogic.

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 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
This complaint stems from simply switching one credit card for another at the PNC bank XXXX, MI branch. I requested my old account stay active to preserve my stellar payment history of over 30 years and to cancel auto-pay AFTER the last purchases were paid. PNC cancelled the auto -pay prematurely and as a result, I incurred the fees and interest reflecting non-payment. This was evident after returning from a extended vacation. After on going discussions about this matter with several different employees, it was XXXX XXXX of PNC who stipulated that the fees would stand and I was to blame for stopping auto-pay. Accordingly, I severed all ties with PNC after 30 years as a customer and withdrew my {$29000.00} savings and cancelled the new credit card and declared I will never, ever pay those fees and interest for as long as I live. I believe a third party agency like the CFPB and others should be made aware of this banks practices in that a simple mistake can be made and can not be corrected at the cost of a consumers credit rating and financial standing and reputation ( in my case an XXXX rating or more ). Most of this issue took place in XX/XX/2018 with me terminating my accounts on XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
As of XX/XX/2018, I opened one of my mail from Citibank dated XX/XX/XXXX. The letter states that they sent me a check on XX/XX/XXXX for {$140.00}, and if it isnt cashed by XXXX XX/XX/2018, they will stop the payment and I will no longer able to cash the check. I have two problems on this. First, I have not received any check. Second, I live in XXXX, Nebraska where the closest Citibank is 2 hours and 48 minutes. I'm a military guy and I did not choose to live here. So I called Citbank Customer Service XXXX. I asked if they could directly transfer the money to my checking account which is also under Citibank, and they said " no ''. I asked if they could make it a cashier check so I can cash it anywhere and they said " no ''. I requested if they could send it to my mom 's house in 48 hours, who lives next to a Citibank because I will be there for a week, but they said it will take 14 days for the check to come. I guess that was a " no '' too. I'll be back home in Nebraska on XX/XX/XXXX, and then they said " Okay call us when you get back and we will send the check ''. It will arive on XXXX XX/XX/2018 and I have less than 10 days to cash it out. I even asked if they can waive the expiration and extend it but they said " no ''. I asked for another representative but unfortunately he didn't provide me one. Why cant they just directly deposit it to my account? They owe the money to me, and why do I need to do extra steps or drive long hours just to acquire this cash? They are willing to charge me late fees if I am late on my payment. Why can't I charge these guys extra inconvenience fees? Nevertheless, I'm happy they are trying to give my money back, but I wish they make it easy for us to take it. Thanks for the help.

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