vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 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: WA

Complaint narrative:
I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: WA

Complaint narrative:
I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: FL

Complaint narrative:
In XXXX 2017, I sent a letter to ask for verification of payments on an account. To my surprise XXXX XXXX XXXX XXXX and XXXX XXXX re-added the account to my TransUnion file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: PA

Complaint narrative:
In and honestly XXXX move I was in desperate need of a loan and I did n't have much time to secure the funds. I blindly took out a loan from XXXX XXXX XXXX for an amount of {$200.00}. The monies were credited to my banking account on XX/XX/XXXX. Since XX/XX/XXXX I have paid XXXX XXXX XXXX a total of {$980.00} with 8 payments still remaining of {$56.00} every two weeks. This means that I will have paid them back in full at a rate of 749.98 % with a monetary value of {$1200.00} on a {$200.00} loan. Since the Inception of this loan I have been informed by a very close friend who is employed by the Attorney General 's office of Pennsylvania The Honorable XXXX XXXX that online /payday/ tribal loans are illegal in the state of Pennsylvania where I reside. To date I have paid the loan back almost five times over the initial amount. In my opinion I feel it a fair resolution to this situation is that the loan be considered paid in full because in reality it has been many times over. Even if I were paying 50 % interest the total amount payback would only be {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I contacted Navient after receiving email stating my next automatic payment will be over {$330.00}. My agreed upon monthly payments are {$190.00} and the company has successfully withdrew that amount monthly with no problems. I spoke with representative XXXX on XXXX/XXXX/XXXX and she informed me that my account was delinquent from a balance in XXXX XXXX. I informed XXXX my account is not delinquent as I have spoken to Navient reps over the course of the past months and I have never been informed I have been delinquent. I spoke with supervisor XXXX. who reported she reviewed a missed payment of {$140.00} for the month of XXXX XXXX and that every month since then the payment have rolled over monthly. I informed XXXX. I have never received information from Navient via email, mail or call stating my account was delinquent. XXXX  reported the email may have went to my spam and it 's deleted after 7 days. I informed XXXX. I receive all other notifications but never received a delinquent email, letter or phone call. XXXX. informed me that there was nothing she could further help me with and suggested I break the payments up over the course of months. Navient continues to have fraudulent practices against consumers. I removed my checking account from my Navient account as I did not want to make another payment until I filed my complaint and spoken with an ombudsman representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: LA

Complaint narrative:
I received a call from a New York number claiming to be a process serving company and stated that I needed to call another number before I was served with a civil complaint lawsuit. When I called the number it turned out to be XXXX XXXX I spoke to a young lady who claimed I had a pending lawsuit in their office. I asked how I had a lawsuit from them and she its through XXXX ( SP ). I informed her I didnt know who XXXX was and she named off various communication companies they served. I then asked her how I owed them money and she said I owed it XXXX but if I didnt want to resolve it I could just wait to be served by my county. When I questioned her about the validity of the company she hung up on me. When I called back and asked to speak to a supervisor I spoke to a XXXX XXXX who claimed to be the manager of the young lady I was just speaking to. I asked her the same questions and she told me they did not have any of the information to verify I had an outstanding debt. When I asked when this debt occurred she said she did not receive that information. I informed her that I was told they were a law office and they were the ones filing the lawsuit. I again asked her when the lawsuit would be filed because I should have the right to know if someone is filing a lawsuit against me. She said I would have to wait until I was served and hung up. The third time I called I spoke to XXXX XXXX who also claimed to be a supervisor. I also asked him to provide me with something stating the validity of the debt and he claims that it was sent out on XXXX XXXX XXXX and was scanned at my mailbox before it was delivered. I informed him that I in fact never received it and asked him to resend me something in writing and he said he was unable to do so because I didnt respond within the 30 days. I asked him when the debt was established and he said XXXX XXXX XXXX and was open for six years. I informed him that I never had any phone service active for six years and I would like to see some proof that this debit is legit. He again stated that it was delivered over 45 days ago and he would not hold my account open another 3-5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Since I graduated in XX/XX/XXXX ( payments due in XX/XX/XXXX ), Naviemt calls about three times a day and does not leave messages. I checked the FASFA website, looked at all of my last and, and they are not due until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
With reference to Bank of America 's letter no. XXXX I made 2 deposits of {$250.00} each from my retirement account within 90 days of opening the account. The letter clearly states that deposits made from a retirement account qualify for the promotion. Bank of America is contending that the deposit was not made from a retirement account. The bank is even refusing to accept some sort of proof from me showing the deposits are from a retirement account. The letter entitles me for {$100.00} bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
My prepaid visa card was compromised and someone used my card to make unauthorized transactions. I called BBVA XXXX to inform them of the problem. I file an dispute and was told that my card would have to be block and a new one be ordered. Well after they block my card, they now tell me that I had went over the limit of card replacement and that they could not send me a card and referred me to go to a local Compass Bank. The problem is I am not near a Compass Bank, and I told them that. They advised me that they will escalate this matter to higher up and see if a card could be ship to me and I should hear back from them in 3 to 5 business days. Well that time has come and go and when I call back, they keep giving me the run around, so I ask to close my account and send me my remainder balance via check, and they said ok. Call back three day later and nothing still happen. They are hold my money XXXX and will not give me any alternative to recover my money. They keep lying and giving me open promises to get me off the phone. I have my VA XXXX and unemployment check deposit to this account, but I do n't have any means of recovering my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-18 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: TX

Complaint narrative:
I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I submitted a dispute about the balance along with documents to another company. I asked for proof of the amount owed. I was asked to call a toll free number. The PDF named PNC Bill Pay shows a cancel option then the message appeared. This made no sense. I am wondering if it is like entrapment or whatever. I had a case in XXXX XXXX in XXXX that the bank did n't cover a rent check. I called PNC and told them the check should have never been sent out. The message showed up after talking with a employee and him saying something like try the payment for the date shown in the PDF.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA

Complaint narrative:
XXXX XXXX called my phone told me that I was approved for and loan gave him my account information and he attempted to deposit a fake check into my 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 2017-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Over the past 5 years I have been making small, {$50.00} payments to XXXX for a charged off credit card account. On XXXX/XXXX/XXXX I contacted XXXX in an attempt to settle my outstanding debt. They informed me that they had sold the debt to XXXX XXXX XXXX XXXX ( PRA ) On XXXX I contacted PRA and was told that they had obtained a judgement against me. I asked if we could settle this debt, and we agreed that it would be settled for {$1900.00} as soon as I received a letter confirming that the Judgement would be recorded as satisfied after my payment was received. As of today XXXXXXXX, I was told on three different  occasions that the settlement letter was in the mail, and once that it would be emailed to me. Today I was told that there was no settlement letter on file, and that they had no intention of providing one. I 'm at a loss as to what I should do. After the lies, and refusal to send written confirmation of the settlement agreement, what are my options? Do I need to hire a lawyer to have this resolved? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Currently on XXXX XXXX I had a banking issue which ended up cancelling and refunding a out I had made through coinbase. They locked down my account due to it and asked for a resent payment which I gladly gave the information to recharge me what was owed. Over a week later and my account is still locked and I can not sell my XXXX like I have said. I have messaged on XXXX as well as there customer support cases and not one word back from them. I believe this company is fraudulent and fake due to not having any sort of customer support team nor a number to get i go contact with someone to help while being a financial company. This is horridous and have XXXX dollars of my money currently locked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my XXXX bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: NJ

Complaint narrative:
The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my XXXX bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: FL

Complaint narrative:
In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise XXXX XXXX XXXX XXXX and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!

Company response to consumer: Closed with explanation