vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 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: GA

Complaint narrative:
I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. I was decline for a good rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX. Inquiries : XXXX, XXXX 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 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have requested debt validation and debt verification and Transworld Systems has failed to provide copies of any documents that show that this debt is owed by  me. Transworld Systems and XXXX XXXX is trying to collecting on the same debt. Neither company has showed any documentation for the debt amount owed, contracts or rights to collect for XXXX XXXX. I have denied this debt and want it removed from my credit report immediately under the laws from the Fair Credit Reporting Act I do not owe this debt and after two attempts Transworld Systems has failed to provide these documents through the Consumer Financial Protection Bureau I have enclosed copies of debt collection letters from XXXX XXXX claiming they are the representative for this debt also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
vigo  no pay my transacion sending last XX/XX/2019 today 9 day no have resolution my problem please call vigo  the number XXXX my name XXXX XXXX mtc XXXX this money for school my grand son hi no go school wait moment vigo  no pay a my beneficiario every day call for nothing thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America
State: CA

Complaint narrative:
Financial Corporation of America is harassing me for XXXX XXXX XXXX XXXX for a debt I do not owe and for services never rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: GA

Complaint narrative:
I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX XXXX the other day and applied for an account. I got approved but with a {$500.00} deposit. I didn't understand until I checked my credit report. 
I see a couple of items that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. These items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX/XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-06-13 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've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX XXXX the other day and applied for an account. I got approved but with a {$500.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. These items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 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: MOHELA
State: TX

Complaint narrative:
I transferred to XXXX XXXX on XXXX XXXX back in XX/XX/XXXX-XX/XX/XXXX and according to them I was not able to receive financial aid due to the fact that I was attending a satellite school in XXXX, MO while my physical location was XXXX XXXX, TX. I was told that because I did not qualify for financial aid Pell grant that I needed to get the student loan offered at XXXX XXXX XXXX XXXX. 

I logged into the financial website back in XX/XX/XXXX and notice that XXXX XXXX collected on a Pell grant in TEXAS. I never received a refund but I was put into this student loan that I don't see the amount lowering because they are collecting on interest instead toward the principal. Mohela has been changing the terms and conditions since on the loan since the original promissory note that I have the original copy. I can mail or fax in any documentation you may need clarification. 

XXXX XXXX collected on my Pell grant close to {$9000.00} and also on my VA benefits and now they have me on this debt of an old student loan that I can not seem to lower the principal in all the time that it has been under my name dating back XX/XX/XXXX. This was all done because XXXX XXXX mislead me and collected on my Pell Grant and Ch-35 VA Benefits. 

I feel they are unethical and are over charging me for a tuition that my Pell grant and VA benefits paid for back when I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. My total tuition for the school was no more give and take {$6000.00}. 

My interest rate with this loan was in the low 1.5 % initially and now is close to 7.0 % after I have asked mohela to lower the interest rate and to put my payments towards the principal. Nothing has changed I feel since XXXX XXXX  pocketed the Pell grant and lied to me about this loan. I feel this is wrong and want them to at least deduct my Pell grant they took from the total amount of this loan. 

I have good credit and I have been giving them payments that I can afford based on my budget. I still feel that I am paying a debt that is not lowering this student loan and feel I am unethically being charged by Mohela. I have already paid Mohela close to {$5000.00} and the amount in debt is still {$7300.00} and the initial loan was around {$5000.00}. I am reaching out to you in attempt to mediate and take this debt out of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: FL

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. These items listed are not mine and need to be deleted from my credit report. XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, Inquiries ; XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, 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 non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: WI

Complaint narrative:
On XX/XX/XXXX, Discover closed my savings and two credit card accounts without any reason. At that time, I still have over {$80000.00} balance in that savings account. I have to call discover to ask them what happened and they told me that my online accounts were just deleted and they can not recover them at all. 

I have to register a new online account to access my savings account and the customer service of Discover did not know why this account was closed! I have been holding the credit card accounts for more than 5 years and the savings account for 4 years and have never violated any of Discover 's rules.

I know they used to close customer 's credit card accounts for no reason. But what I can not accept is that they even closed my savings account without any reason and notice, especially when I still have {$80000.00} in that savings account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I had a secured credit card with usaa. I called and spoke to one of their representatives and asked if I could set up an automatic transfer from my savings to my credit card account to keep the account open, she said yes that would be acceptable. Once that payment date arrived the account had been closed out anyway. I attempted to speak to USAA about the issue and it took 3 phone calls to finally get to someone who was able to help. She was a member of the ceo relations team. She reviewed the phone calls and got back to me. She did acknowledge the fault lay with USAA and she would find a way to fix the issue. Over the next 2.5-3 months I didnt hear anything back. I attempted to contact her multiple times and was never able to get ahold of her. On one occasion I was on the phone for 45 minutes before someone could transfer me to the correct department. As they transferred me the call dropped and I never got a call back. I finally heard back from her last week and was told that they could reopen the card. I called yesterday and told her Id be able to open the account with a {$500.00} deposit, was told that wasnt a problem. She called back this morning and said first that they couldnt open the account with {$500.00} only {$300.00} since that was the line of credit originally. Later in this same phone call she said they werent willing to open the credit line with {$500.00}. It seems like they arent really trying to correct their mistake and dont want to do what seems appropriate to make the situation right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
This is in regards to a MEFA loan from XXXX. My husband became XXXX in XXXX. I found out in XXXX of XXXX that we could apply for a XXXX forgiveness of the loan. I did so and finally in XXXX of XXXX we received a call saying it was approved. Now they are telling us that they took his name off the loan however since I co-signed the loans they have been put in my name only. Since his income is drastically reduced since his XXXX, and we are together, this does not seem to be fair. If they had told us that it would revert to me I wouldnt have bothered with 8-9 months of paperwork and aggravation. According to their website, the current policy is to remove loan completely. They are telling us that the policy when we took the loan didnt state that. 
I think this is unfair and want to know if I have any recourse from this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: FL

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX, Inquiries ; XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans Union lowered my personal credit rating which has affected my credit score. The only changes that have occurred are 10 hard inquiries for credit WHICH I DID NOT AUTHORIZE. 
After contacting TRANS UNION and speaking to someone who barely spoke English I was told they could/would not allow me to dispute credit inquiries ( which XXXX does ) I have NOT authorized these 10 inquiries and therefore want them removed or show me where I authorized 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 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
XX/XX/XXXX this company pulled my credit through a 3rd party and i did not authorize them to do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: FL

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. These items listed are not mine and need to be deleted from my credit report. XXXX/XXXX,  XXXX, XXXX XXXX, XXXX/XXXX, Inquiries ; XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, 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 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called Kohl 's credit card today XX/XX/XXXX and spoke to 2 different employees which is partnered with Capital One that I realized there was a charge Starting in XX/XX/XXXX called " interest on protected balance ''. I looked at my recent statement that they are charging me this extra interest protected balance that I never opt in to and in the service agreement it also doesn't state that. I already called Kohl 's and they are not helping they said they will not waive it because its there policy. They were very rude to me and said I don't understand the difference which it was not necessary for him to say that to me. I didn't approve of this charge. The total amount they charged me so far is a total of {$400.00} as of XX/XX/XXXX. I am unable to look at me previous statements since it doesn't go back that far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC
State: OR

Complaint narrative:
i took out a {$1200.00} pay day type loan from Bluetrust loans om XX/XX/2019. Now after 8 bi-monthly payments of {$220.00} totalling {$1800.00}, my pay off is still very high at {$1100.00}. If I continue to pay the bi-monthly payments, I have another 8 payments totalling another {$1800.00}. I did not pay it off immediately because i fell behind my bills and couldm't afford the entire pay off amount so I was forced to pay these predatory loan payments. I fortunately can now pay off the full amount of {$1100.00} now and be done with this XXXX predatory loan company, but not before winding up having pain in total {$2900.00} for the original {$1200.00} loan. 

If I could not afford to get out from this debt at the end I would have paid {$3600.00} for a original {$1200.00} loan.

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 2019-06-13 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial Auto reported a CLOSED account to the credit bureaus when in reality, the account was PAID IN FULL. I contacted Ally and spoke to several people in several departments but none were willing to correct their error. Their error lowered my credit score by 15 points.

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 2019-06-13 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late that I should not have. I paid the XXXX balance before XXXX ended and they are already reporting a late on my account. I was not given a 30 day right to dispute and this should not be on here.

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 2019-06-13 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:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Equifax They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my Equifax Dispute Results, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again inaccurate Items disputed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX ). Dispute reason : remove this account because the Status Updated date didn't change/update, this irrefutable proof that no investigation was done. remove for violation However, in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the XXXXatus Updated date didn't change/update after the investigation was done, this proves that no investigation was ever done because the Status Updated date didn't change. Status Updated date didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the Status Updated date didn't change to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX   XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date ( XX/XX/XXXX ), XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX A Status Updated date was ( XX/XX/XXXX ), XXXX XXXX  XXXX Status Updated date was ( XXXX XXXX ), XXXX XXXX XXXX   Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my previous dispute results from Equifax investigation still shows the Status Updated date didn't change/update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
After filing bankruptcy, the car loan company made an inquiry on my credit report on XX/XX/2019. This will negatively impact my future chances even further at obtaining new credit. XXXX continuously calls me and everyone I listed as a reference on my auto loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation