vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 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 advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXXXXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX ( Transunion :, XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX ( XXXX : XXXX Transunion : XXXX, XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX ( Transunion : XXXX, XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : 6X ), XXXX XXXX ( XXXX : XXXX Transunion : 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 2018-07-26 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXXXXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX  : XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX   : XXXX, XXXX XXXX ( XXXX :, XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX ( Experian : XXXX XXXX : XXXX, XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX ( XXXX : XXXX, XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : 6X ), 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 2018-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On or about XX/XX/2018, I paid my monthly bill through Suntrust Bank, acct # XXXX. My rental check of {$1500.00} that I requested was never sent to my rental agent, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ; therefore, XXXX XXXX XXXX began a small claim ( approximately {$220.00} ) against me for none payment of rent for XXXX. I had asked for the check to be mailed by XX/XX/2018. After the XXXX county sheriff put a summons on my door XX/XX/2018, I paid XXXX XXXX XXXX {$1800.00} ( rent plus the cost of court. ) On or about XX/XX/2018, XXXX XXXX XXXX sent me my lost check. The company said a XXXX XXXX found the check included in his accounts receivables. He then took it upon himself to deliver the check to the intended company. 

The company that Suntrust uses for Billpay is actually unknown to me, and they won't divulge the name. I believe the company is XXXX, located in Florida. .1. I made a claim for the Billpay company to refund my {$220.00} ; they never replied to me ; however they wrote in my file that I supplied them with an incorrect mailing address for XXXX XXXX XXXX. That accusation is incorrect. That company had paid to that same address for the three previous months without any incident. 2. The Billpay company owes me a written response.

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
Consumer complaint received 2018-07-26 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: NC

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 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: UT

Complaint narrative:
I went online and selected the option to pay the balance in full on all 4 cards and now Im getting statements saying I still owe them money. I talked to supervisors XXXX ( XXXX ) and XXXX ( XXXX ) who stated the only place it says that when paying that amount is on the back of a statement. Which would be fine, but I chose to pay the cards off but when I did so it did say this doesnt include daily interest it just let me pay the balance in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
XXXX  is reporting debt on my report that's not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
XXXX XXXX has already removed account # XXXX from my credit profile discharging it because they couldnt produce documentation with my signature or a instrument of indebtedness or any type of electronic signature or any photo Id or social security card to prove I opened this account. Now today XX/XX/2018 I receive a letter from them stating they verified the account buy sending me a bill in what way shape or form did that verify anything. I never authorized this account. Produce proof of me opening this account with documentation if not leave me alone or I will seek legal action against you and XXXX which is the original creditor 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 explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Creditor's Collection Service, Inc.
State: OK

Complaint narrative:
This company ( or people involved ) have been calling me for months with no caller ID so it can not be blocked. They leave a automated voicemail every single time with a number to call back, the number is XXXX and they do not mention any specific name as to who they are looking for. 
I called back the number once, The line was tossed around it sounded like and it went again to another automated machine and I ultimately had to hang up. 
I do not owe any debts and my credit report states that. 
Upon searching XXXX for the number I came across a swarm of people reporting the same exact thing but some have actually got in contact with a human being on the other end and they reported saying they were demanding money from an outstanding debt from many years prior and the person had never had a debt from that company. I want these calls to stop, I thought maybe theyd call a few times and then stop but they have been calling every other day at random times for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: WA

Complaint narrative:
I initiated a wire transfer to XXXX on XX/XX/2017 for XXXX Euros. The bank employee who filled out the form put down the wrong beneficiary for the funds but all the other information was correct ; account number, XXXX, etc. 

The funds never arrived and I called the bank repeatedly over the past 3 weeks. When the bank found out their mistake ( on XX/XX/XXXX ) they sent an amendment to the receiving bank. It never got there. 

I have now requested the funds be returned to me but have not gotten the funds back. 

I feel the bank has been completely irresponsible and possibly criminal in their inability to rectify their mistake. 

The wire confirmation is XXXX and the receiving bank is XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACI Worldwide, Corp.
State: CA

Complaint narrative:
I got a bill that is not mine from ACI for XXXX. I don't have a XXXX credit card so I should not have to pay {$980.00} under reference # XXXX

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

Complaint narrative:
Step 1 : What is this complaint about? 

I getting constant calls from XXXX XXXX an agent at Navient, about my private studnet loan. When I called to make an payment plan it was accepted at first, but he was not please about it so he later denied it, when I told him I could not pay what he was suggestion would be better. Then he went on to tell me incorrect information about my credit score and the assests of my cosigner ( he said he is coming to take the house that my cosigner owns ), but they do not even own a house, and threaten that they are coming to take it. He was rude, aggressive, short tempered, and belligerant. He also called back to back several times.

Step 2 : What type of problem are you having?

I recieved no notification about this private loan prior to a 3 weeks from XX/XX/2018. I am in good standing with all my loans. Due to short notice I want to be respnsible and pay what I can as of right now, but I am being lied to and denied that right. 

Step 3 : What happened? 

He took it upon hisself to deny my offer, after failing to get a larger amount out of me. He kept making negotiations and said that is all he can do. When I told him I can not do that then he would change it to a lower amount. He agreed with my offer initially, but as he kept doing the math he told me it " would not make sense ''. Then he went on to tell me that he knows I can pay it because I have a good credit score, which is not true. He also said they do not give loans to people with bad credit, but this loan is 9 years old when I was XXXX years old and had no credit but simply a studnt.

Step 4 : What company is this complaint about?

Navient and the specific agent is XXXX XXXX who telephone number is XXXX as well as XXXX. He has left messages threatned my cosigner, and have been rude, aggreesive, and deceptive to me via phone. 

Step 5 : Who are the people involved? 
Myself, my cosigner. The agent XXXX XXXX from Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXXXXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXXXXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX 1.XXXX-1 Inquiry from XX/XX/XXXX 2.XXXX XXXX   Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry from XX/XX/XXXX 5.XXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 7.XXXXXXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10.XXXX XXXX Inquiry from XX/XX/XXXX 11.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12.XXXX XXXX Inquiry from XX/XX/XXXX 13.XXXX Inquiry from XX/XX/XXXX 14.XXXX XXXX   Inquiry from XX/XX/XXXX 15. XXXX XXXX Inquiry from XX/XX/XXXX 16. XXXX Inquiry from XX/XX/XXXX 17. XXXX XXXX Inquiry from XX/XX/XXXX 18. XXXX XXXX Inquiry from XX/XX/XXXX I XXXX XXXX have contacted all 3 bureaus to have my credit inquiries for auto loans removed because the dealership I went to promised me they only ran my credit once with XXXX XXXX XXXX. Weeks later multiple credit inquiries started showing up after I signed the purchase agreement for XXXX XXXX XXXX. All 3 bureaus have refused to remove the inquiries multiple times. I have contacted many of these Auto loan companies and they have no record of me in their systems. Because of all these inquiries I have been denied mobile home loans and residence in mobile home parks. And this is a clear violation of the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried numerous times to to work with Equifax to have fraudulent student loans removed from my report to no avail. On or around XX/XX/XXXX, i reached out to Equifax to inform them of fraudulent student loans which are appearing on my credit file. They still have not removed the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I called this company on XX/XX/XXXX to take care of a delinquent debt. The person I spoke to told me the agent handling my account was out of the office and would return my call XX/XX/XXXX. I received no followup on XX/XX/XXXX. I called them back XX/XX/XXXX and explained that I would like to pay the amount in full and never received a call back as promised. The lady told me that even though she was out of the office the amount of the debt continued to increase due to their interest policy and that she will not adjust the amount despite my contacting them in good faith on Tuesday the XXXX and she was out of the office. If I paid even a dollar less than it would be reported as settled not in full. I am willing and able to pay the amount but I do not like to be taken advantage of because of their employee being out of the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In XX/XX/2005 I went looking for a remodification of my loan I was told I could not do this because I was current and was advised the only way to remod was stop paying my mortgage I was on an interest only loan afrer I stopped paying my interest only payments and was granted a remodification my principal was increased from {$600.00} XXXX to {$680.00} XXXX  without me having any knowledge of this happening I feel this is a very unfair practice and considered predatory lending practices for the last 13 years I have been paying interest on top of interest in essence paying double interest. this doesn't seem fair .as I was not informed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
File Number : XXXX - I still have 3 inquiries on my credit report that I DID NOT authorize. PLEASE DELETE THEM ASAP : >XXXX XXXX XX/XX/2018< >XXXX VIA XXXX XX/XX/2018< >XXXX XX/XX/2018< AS I Said, I DID NOT authorize these inquires and NEED to be deleted!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX, I requested a credit limit increase on my Citi credit card. Citi attempted to pull my credit report from XXXX. However, I had a credit report freeze in place with XXXX, so the request was denied. Citi then attempted to pull my credit report again, and again the request was denied. Both attempts appear on my XXXX credit report.

First, I contacted Citi on XX/XX/2018 and spoke with a supervisor. I explained the situation and she checked with their credit approval department and told me that since the inquiries had not gone through, they should not appear on my credit report and that Citi was unable to have them removed. She advised me to open a dispute with XXXX to have them removed. 

On that same day, I submitted a dispute to XXXX through their website. On XX/XX/XXXX, I was notified by XXXX that their investigation was complete and that my report had been updated. However, the inquiries have not been removed and XXXX does not provide any way to follow up on the results of the 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 non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Every other month some attempt to apply through Chase an XXXX credit card. It is denied because I have had a bankruptcy in 2011. My problem is that these are hard inquiries and each attempt drops my score by 2 points each time. Chase has advise I get a freeze on my credit. I want them to remove them from my XXXX  credit report. This will resolve my issue.

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

Complaint narrative:
On XX/XX/XXXX, I requested a credit limit increase on my XXXX credit card. XXXX attempted to pull my credit report from TransUnion. However, I had a credit report freeze in place with TransUnion, so the request was denied. XXXX then attempted to pull my credit report again, and again the request was denied. Both attempts appear on my TransUnion credit report. 

First, I contacted XXXX on XX/XX/2018 and spoke with a supervisor. I explained the situation and she checked with their credit approval department and told me that since the inquiries had not gone through, they should not appear on my credit report and that XXXX was unable to have them removed. She advised me to open a dispute with TransUnion to have them removed. 

On that same day, I submitted a dispute to TransUnion through their website. On XX/XX/XXXX, I was notified by TransUnion that their investigation was complete and that my report had been updated. However, the inquiries have not been removed and TransUnion does not provide any way to follow up on the results of the 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 non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have 2 PROMOTIONAL DEFERRED balance accounts within my XXXX Consumer Credit Card serviced by Synchrony Bank. One balance expires in two months on XX/XX/XXXX and the other expires 18 months into the future on XX/XX/XXXX. When I made a payment in XX/XX/XXXX, I noticed on my ensuing statement, {$21.00} was applied to the XX/XX/XXXX balance with the larger remainder going to the XX/XX/XXXX balance. I had to call in and ask it be applied correctly, and in line with their stated policy on their website under payment allocations, which is, payments are applied to expiring promotions first. How is XX/XX/XXXX expiring before XX/XX/XXXX? I was told that I would have to call each month to have my payment applied correctly. This is also wrong as there is an option on their website to pay my payment and I can choose allocation, which in fact, was as stated above - to expiring promotions first. This bank takes NO responsibility for this error and simply they will fix it. I am asserting they do this improper allocation WITH PURPOSE to cause all deferred interest to apply when promotion expires. Unsuspecting consumers probably would not see a small portion applied to a second line item, and immediately upon expiration all standing interest would be posted - for me to date, that is over {$600.00} in interest. Synchrony Bank is very shady and purposefully potentionally harmful to the consumer unless the consumer is wildly alert like myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got a bill that is not mine from XXXX for Paypal. I don't have a PayPal credit card so I should not have to pay {$980.00} under reference # 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