vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
When trying to temporarily remove a credit freeze on my experian account, the online access would not work. After many frustrating attempts, I finally figured out that I had to turn off my VPN protection. No where in their documentation did they state that you could not connect to their site thru a VPN. So I can't protect my connection that I send my SS # over with a VPN, nice. Second problem, the phone number they list to call to get assistance only goes to a phone tree with very limited options, none of which addresses the temporary removal of a credit freeze. I did find a phone number in a unrelated manner that connected me with their customer service group over in XXXX ... ..after an hour and 58 minute wait. This is really unacceptable for a agency with such power to be unaccountable and unreachable.

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 2018-02-26 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: KY

Complaint narrative:
In my Transunion credit report there is an item about an collection account owned by XXXX. I do not own such an account.

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 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX XXXX error caused charge for XXXX to be deducted from my bank account. 
PNC Bank charged me {$420.00} worth of overdraft charges as a result. I contacted XXXX and they agreed to refund the {$110.00} to my bank account. I brought XXXX confirmation email to branch in XXXX XXXX FL and Manager refused to refund the overdraft charges. 
I am currently unemployed trying to make it on a {$1000.00} a month alimony check. Having {$420.00} go out the door for a charge that was an error is unacceptable. Please assist

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-26 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: TX

Complaint narrative:
I sent a dispute to XXXX XXXX in regards to account number XXXX and XXXX , XXXX , and Experian. asking to reinvestigate information. Experian sent me a letter saying it will no longer investigate this account. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XX/XX/XXXX for non payment in XX/XX/XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XX/XX/XXXX. they also hade different account numbers on different credit reports the other one was XXXX. the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA.

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 2018-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
XX/XX/26 I am trying to transfer the remaining balance on this card to a reasonable rate card. I have paid down from XXXX to XXXX and would like to move the rest. A couple of years ago XXXX XXXX eliminated my credit balance so I destroyed the card but continued to pay the card on time each month. Without the card, I do not have the account number. I assumed I could go to the website and get my account number. The web site only has the last 4 digits and does not have an alternative account number to the Credit card. So I called customer service to get the account code, they stated that they could not access the account code either. They offered to re-issue the card but since they closed the account when the set the credit limit to XXXX - they could not reissue the card. THEREFORE I AM OUT OF LUCK. I assume since they so not have the ability to give me my account number they no longer are expecting payment. Please verify.

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 2018-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OK

Complaint narrative:
On XX/XX/2017 I deferred my student loans with Nelnet to avoid any late payments while my payments where being recalculated we went back and forth many times they had lost paperwork and and not contacted me back. I was during this time in deferment. But to my surprise my credit is showing late payments from XX/XX/2017 through XX/XX/2017! I need this off my credit immediately due to Nelnets error and faulty reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: MI

Complaint narrative:
Im going to attach these documents to support my complaint. XXXX XXXX XXXX is reporting this account to all three CRA I reached out to XXXX XXXX and this is what they said to me. They told me to reach out to the CRA to correct this information well when I did I got no proper investigation. So now XXXX XXXX XXXX can report an account that they have no proper documentation on no signed signature of mine ... Section 609 of the FCRA states you have to have proper documentation. XX/XX/2017 is when I started my disputes I got nothing back but these documents. What form of verification or steps did XXXX XXXX and Equifax take to investigate this account none of the CRA sent me anything on how they pro formed an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting on my credit report as derogatory, has been since XXXX. This was a car loan with 72 monthly payments with one 30 day late payment. Loan was open in XXXX. The primary owner my XXXX spouse XXXX passed in XX/XX/XXXX. I just recently started to have errors on all three of my credit reports updated. I have been trying to get this account removed because it is over 7 years. I called XXXX, in XXXX, they said it is set to be removed in XX/XX/XXXX. Instead of removing the account or updating the information. Capital One is now reporting to all three credit reports ( XXXX, XXXX   XXXX  ) as 2- 30 day late payments. I thought after seven years it has to be removed and why are they doing any update or reporting on a paid as agreed CLOSED account??? They just updated the account to the credit bureaus in XXXX and XXXX, are they allowed to report or update on a closed account?? The account was paid off in full XXXX. It is also reporting twice on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
On XX/XX/18, XXXX XXXX ACH debited my personal checking account for {$3800.00}. I have never had a XXXX. My wife is the only other signer on my checking account and she has never had a XXXX. And we certainly did not authorize our checking account to be ACH'ed. 

The transaction description on my checking account is as follows : Pending ACH Debit ORIG CO NAME : XXXX XXXX CO ENTRY DESCR : CREDITCARD SEC : WEB XXXX XXXX XXXX XXXX Link to more information in a new browser window. {$3800.00} My bank stated the phone number they showed for the transaction was XXXX. When I call this number, it says 'Settlement Department ' and refers you to leave a voicemail which I did. 

I tried calling all the customer service or complaint numbers that I could find for XXXX XXXX. They all go to the same place. I was told that there is nothing they could do because I don't have an account with them. I tried to get them to refer me to a different number where they could help me, but they said there wasn't one. 

I only want to understand how XXXX XXXX has my checking account info and why they attempted to ACH it. I'm worried my identity has been stolen or bank account info compromised. Or that Barclays simply made an error and someone fat-fingered an account number. I didn't want to file a complaint here, but there doesn't seem to be any way to contact someone in the company that can tell me what happened.

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 2018-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Profit Services Group
State: GA

Complaint narrative:
I was called and told about sums owed. I stated I had not recieved bills but would be happy to take care of it if I could see paperwork and verify I owed it. He said that I could not get any type of verification that wasnt his job. He then started asking about my husbands employer. He then said I had to pay within 2 days. I said it wasnt possible without reviewing said bills. He then said he would contact the dr to tell them I refused payment and to seek legal action against me. Then he hung up on me. I called back and ask for a supervisor two times and they refused me and Said there were none.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Ally financial has been calling me in an attempt to collect my aunts debt. The first time I told them that was illegal and they continued to call me. When I called them to put an end to the harassing calls they said well maybe you can just talk to your aunt to get her to pay her bill. This is the exact thing I was calling them to tell them I wouldnt do.

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 2018-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I had consolidated my two student loans under the Direct Student Loan program in XX/XX/XXXX. 
In XX/XX/XXXXXX/XX/XXXX, I was employed under the XXXX   XXXX XXXX  as XXXX at XXXX   XXXX XXXX XXXX, which was a certified job under the Public Student Loan Forgiveness Program. I have been employed there for over 10 years and paid all my payments on time but the Department of Education said that I was not in a qualified loan even though I had been in the Direct Student Loan program. They said I should have been in an Income Based loan program. I was never told that until now by my loan servicers ( there were more than one and XXXX was one of them ). Now the government is saying that I have to start over with my loan program under an income-based repayment loan for 10 MORE years. I am still owing approximately {$63000.00} on students loans that I was told would be forgiven. I am not sure what to do, but was told that CFPB may be able to file a complaint with someone about it. I personally blame the US Department of Education because the type of loan that they are saying that I needed to be on didn't even come into existence until like XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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:
II sent a dispute to XXXX  XXXX  in regards to account number XXXX and Equifax , XXXX  , and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XX/XX/XXXX for non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XX/XX/XXXX. they also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA. m

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: PA

Complaint narrative:
All three major credit bureaus ' have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act,  all 3 credit bureaus ' violated all privacy rights and allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
I summer 2017 I had 2 accounts with XXXX. One in XXXX and one in XXXX. In XXXX, I rented out the house in Arkansas and cancelled internet/cable service. The final bill was XXXX which I paid via a phone call XX/XX/XXXX. In XXXX, I received notice from Diversified Consultants that the account had been turned over to them for collection. Knowing that I had paid the bill, they discovered that it had been credited to the wrong account ( XXXX ). This was on or about XX/XX/XXXX. The customer service representative took additional payment information to make account current and said that collection agency would be notified. I did not hear anything else until I was alerted to negative information on credit report. At that time, I filed protest with Diversified consultants and contacted XXXX and again made payment. They said that they would send a letter stating that the account had been paid but I contend that it was turned over to collection in error since I had paid the balance due on the account on XX/XX/XXXX. Refer to attached bank statement. I have requested that XXXX send a letter stating that account was turned over to collection in error and therefore negative information on credit report should be removed. A letter stating that the account is now paid in full is not sufficient but that is all that they are willing to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Im going to attach these documents to support my complaint. XXXX XXXX XXXX is reporting this account to all three CRA I reached out to XXXX XXXX  and this is what they said to me. They told me to reach out to the CRA to correct this information well when I did I got no proper investigation. So now XXXX XXXX XXXX can report an account that they have no proper documentation on no signed signature of mine ... Section 609 of the FCRA states you have to have proper documentationXXXX XXXX  2017 is when I started my disputes I got nothing back but these documents. What form of verification or steps did Transunion, XXXX and XXXX   take to investigate this account none of the CRA sent me anything on how they pro formed an investigation.

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 2018-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I had 3 charges on my XXXX debit card with Chase Bank On XX/XX/2017 XXXX dollars was charged to my card in Nevada On XX/XX/2017 XXXX dollars was charged to my card in Nevada On XX/XX/2017 XXXX dollars was charged to my card in Nevada all charges where made on my card when multiple other charges ( made by me ) on the same day originated in XXXX Utah. Chase bank is refusing to reverse the charges all charges were made somewhere I had never done business or work with before at the the same time I was using my card in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I applied for a credit card with XXXX XXXX XXXX. The next day they contacted me and asked me to lift the security freeze on my account. I never placed a freeze on my account and this has happened numerous times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
THURSDAY XX/XX/XXXX I went to my bank to deposit {$2400.00} in cash into the drive through ATM. I got a receipt and noticed that it said I have {$0.00} on my account. The Branch closed the minute I walked up to fix it. I called Bank of America to get my money and they said my account was closed that day as of XXXX ( which i didnt get notified of ) and to call recovery department on that friday because they can refund my money but there department was already closed for the night. The following day I called and they said they will put it in to where I will get it by Monday XX/XX/XXXX at the latest and my account closed the day before I deposited the money. I told them I needed the money for my sons school and for my house deposit. I talked to over 10 representives over the last few days and keep getting different stories and i've still no money. A few representivies said I need to call my lawyer because i'm suppose to get my money in cash. I went to that bank and they said they cant give me my money. I have different names and departments written down and been transferred to different people and been told it will be up to 90 days for me to receive my money.

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