vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I contacted Transunion about my credit on XXXX, XXXX and XXXX. My credit was XXXX. I got 4 hard inquires removed because its been the full 2 years so they got dropped. THEN my credit when DOWN to XXXX. You would think hard inquires being dropped would INCREASE my credit score, because its a good thing to happen. I called and asked why it dropped. I spoke to FOUR different employees and none of them could explain to me why it dropped. I believe there has been a mistake in my credit score and needs to be fixed. Nothing else changed for it to drop. Everything else stayed the exact some. 

Transunion did NOTHING to fix it or explain why it changed. They couldnt give a reason. 

This was on XX/XX/2019 when it dropped. 
Inquires removed were XXXX, XXXX, XXXX and 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 explanation
Consumer complaint received 2019-08-14 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: NE

Complaint narrative:
XXXX  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from 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 2019-08-14 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: NE

Complaint narrative:
XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from 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 2019-08-14 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: NE

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I went to the XXXX XXXX dealership in XXXX, MI with the intent to purchase a new vehicle. I was already driving a XXXX XXXX XXXX. I was on time with my payments, and I was under the impression that I would be able to use my current vehicle as a trade in for a new car purchase. 

Upon negotiating with the salespersons at the dealership, I was told that my vehicle would be used as a trade-in for the vehicle that I was purchasing.The new vehicle I was purchasing was a XXXX XXXX XXXX.I left my vehicle with the dealership to complete the trade-in process. 

While I was closing on my car loan purchase, I was given some verbal information regarding the purchase, and I was told that the paperwork would be emailed to me within 24 hours of my new purchase. I drove away in my XXXX XXXX XXXX thinking that everything was fine. 

A month went by and I received the title to the vehicle, but I noticed that the old vehicle still showed as not being paid by the dealer on my credit report. I contacted the dealer that I purchased my new vehicle from to inquire about this. The dealership stated that they would take care of my old loan payment because they were still trying to sell the car I used as a trade-in for the XXXX XXXX that I purchased from them. 

The dealer never sold the car I used as a trade-in after 2 months I confronted the dealer about this, and they requested that I come in to sign off on some paperwork for my current car loan. 

When I got there, the dealer stated that they were no longer willing to accept my vehicle as a trade-in for the vehicle that I purchased with them. They stated that they wanted me to take the car from their lot. 

I am now stuck with 2 car notes and I can not afford to pay both of them. My credit score has dropped because I can not afford to maintain both car payments to both loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: NC

Complaint narrative:
I was actually helpiing a friend purchase furniture. She picked out furniture that totaled {$1900.00}. XXXX After speaking with the salesman I signed the contract online. I remember asking about the interest rate but never got a full answer. The initial intention was to pay the loan off in 90 days same as cash. Since that time period was not met, I just continued making {$120.00} pymts. every two weeks. Since I've been doing this for 5 mths. now, last night I decided to check the balance. So I sat up an online account with American First Finance and logged in to find that the balance was a whopping {$5000.00}. When I finally reached a customer agent he informed me that figure was correct and the interest rate was 144 % and I actually believe this is a form of unfair and deceptive trade practice. I was naturally appoled and went off. I've never heard of such high rates in my life. Since I couldn't get an understanding with him I hung up and called my bank to stop future payments and then called XXXX XXXX XXXX The next day the company did email a copy of the contract. Although I did sign it online without a clear understanding of all the details, I still believe it to be totally unfair and deceptive trade practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XX/XX/2019, the President shut down the federal government for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XXXX came, XXXX XXXX took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ 1XXXX  monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, Myfico account report a 30 days late from XXXX XXXXe on my XXXX and Transunion and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.

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 2019-08-14 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: NE

Complaint narrative:
XXXX  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX  XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from 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 2019-08-14 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: NE

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from 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 2019-08-14 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: NV

Complaint narrative:
As a consumer, I have rights that are given to me to protect me from misinformation being reported 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
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is a law firm subject to the Fair Debt Collections Practices Act that is attempting to collect on a debt for Adler Wallach And Associates. They have failed on several occasions to give any proper disclosures in their communications with me i.e no mini miranda, no notice of right to dispute within 30 days..etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/19 at XXXX XXXX  a transfer in XXXX XXXX ( facilitated by PayPal ) was initiated to a friend. This friend was notified a transfer was waiting but when he tried to receive it, an error as given saying he needed to update his debit card. The debit card linked was currently valid however he re-entered the information required. The system seemed to take the update but then reverted back to asking again for an update to the credit card. 

My friend filed a report within XXXX XXXX after 24 hours asking for help and I filed a separate report 48 hours later. It's now been 4 days and the money is held up, I can't retrieve it and he can't receive it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened up a new credit card with Citi Bank over a month ago. I already have one card with them, and I opened the new card with all the same info ( name, phone, address, etc ) Now, after 6 weeks and hours on the phone and online chat with them, I still haven't received the card. I pulled my credit report and the card is being reported on my credit report to all the bureaus, even though the card is not yet activated and I have never received the card. Is that legal?

One customer service rep today said the card has been returned to them as returned mail twice for wrong address. After an hour on the phone we finally discovered that Citi has a different zip code than is listed on my online profile and account. However, they still haven't changed the zip for me, even though it goes to a nonexistent address. They keep saying the will call me back, but fail to do so. At this point its been over a month, the card is on my consumer credit reports with all the bureaus, and I have no access to it. It doesn't look like I'm ever going to get the card in the mail, and I literally can not get anyone from customer service ( either online, fraud department, customer service department, new account opening department ) to follow up with me and fix the issue. It just seems absurd that no one at Citi is able to fix a Zip Code error that is only showing up on their end. I even tried to just cancel the card, but they said I can't because it isn't showing up on my online profile yet ... because I haven't activated it yet.

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 2019-08-14 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: CA

Complaint narrative:
Disputes were taken off the credit loans are paid off the credit score got lower instead of moving up it moved in the opposite direction with no legitimate reason on why the credit score was dropping instead of moving upward things are coming off  the credit loans are getting paid but the score was continuously getting lower intentionally

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 2019-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 at approximately XXXX XXXX XXXX at California XXXX XXXX reached out to XXXX XXXX who is an employee of mine and told him they were a collection agency trying to get hold of me and asked him for my phone number. Mr. XXXX came to me and gave me the message. I called XXXX. I asked what this was about. She explained that it was a medical collection account for my daughter. I explained to her that my ex wife ( mother of my daughter ) has a history of incurring medical bills for my daughter without my authorization and that there are court orders in place on how this is to be handled. I kept asking her who incurred the bill and she kept telling me that it could be reported and if I was going to pay the bill. I kept asking her for information and for them to send me something in writing so I could find out if in fact I authorizes this or not. My daughter has had extensive medical bills and some of them I have and some I have not. She asked me for my address. I supplied it. She asked me for my cell and I supplied it. I asked her for who the responsible party was and she would not respond. I asked her to only communicate in writing and she continued to threaten me with reporting it on my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: GA

Complaint narrative:
I have contacted the original creditor XXXX XXXX XXXX per Equifax, the XXXX is XXXX XXXX   XXXX, The XXXX has furnished a letter to me, in turn I have furnished to Equifax during the dispute process, they letter categorically states XXXX has no application/ contract on file for the alleged account. 
Therefore this alleged account DOES NOT ARISE FROM A CONSUMER CONTRACT. 
Equifax is simply parroting its XXXX results as it has done in previous dispute regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: GA

Complaint narrative:
XXXX and XXXX are incorrectly reporting to Equifax and XXXX duplicate items in the amount of {$10000.00} on the XXXX account number XXXX and the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) This duplicate reporting of the same account is harming my credit score and is a violation of the Fair Credit Report Act. This line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: OH

Complaint narrative:
Transition continues to report two accounts from XXXX XXXX and one from XXXX XXXX on my report that stems from identity theft. The accounts are for ( {$15000.00} ), ( {$3100.00} ), ( XXXX XXXX {$2000.00} ) This account was previously deleted from my report the was added back to the report. I resubmitted the identity theft report and other documents including a copy of the fcra 605b saying that any items that are on the identity theft repot should be deleted/blocked within 4 business days. This item is still on my 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 2019-08-14 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: GA

Complaint narrative:
I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. I have reached out to the FTC and to my local police department. Again I am doing this all on my own and can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On or about XX/XX/2019, Navient sent me notice indicating it had " recently received notice that you filed for bankruptcy '' and requested I send information regarding the First Meeting of Creditors. I don't know where they received information that I had filed for bankruptcy. 

On XX/XX/2019, the phone calls began. Some man with an accent started calling ( XXXX ) or something like that. He is unable to understand what I say to him - often misinterpreting what I say and then accusing me of lying to him afterward. 

On XX/XX/2019, I had enough, I laughed at the information he said back to me because I said none of those things. He said " I don't understand how you live your life, last time we talked you were crying and today you are laughing. '' I immediately asked to speak with someone else that was not rude but instead received a phone call from an unhappy woman that continually accused me of never wanting to pay back my loans. I told her the phone calls stress me out and she said " I'm gon na stress you out right now and personally refer you for litigation '' and then hung up on me. 

Today, XX/XX/2019, XXXX or whatever the man 's name is, called me and asked me how I sleep at night. This upset me. He again asked if I was laughing. 

Phone calls by these individuals treating me like I am some awful human being that committed heinous crimes because of my financial inability to pay {$1000.00} per month for the rest of my life should stop. 

I should also note that XXXX called and left my brother a voicemail indicating that I have " abandoned '' the loan.

Company response to consumer: Closed with explanation