vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: NE

Complaint narrative:
Sent money to XXXX via Xoom by XXXX, before the receiver even knew about the transaction I was notified that the money was picked up by receiver. I contacted xoom about it, and they told me they were going to contact their partner. After a few hours the found out that the transfer was picked up by someone other than the receiver. After they found this out, they could not give me my money back, they are saying that they need to run an investigation. They already know the money was stolen

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc.
State: MI

Complaint narrative:
I have several collection accounts with this collection agency that should be past the statue of limitations. They were emergency room visits from XX/XX/XXXX and this company bought the debt and marked it as new as of XX/XX/XXXX.. thus illegally reaging my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I SUBMITTED PAPERWORK TO XXXX AND TRANSUNIONON A NUMBER OF OCCASIONS. TRANSUNION DELETED IT AND THEN PUT IT BACK. THEY KEEP TELLING ME ITS BEEN VERIFIED, WHICH IS IN CORRECT. THE THIRD PARTY VENDOR THAT THEY CLAIM TO HAVE VERIFIED DOES NOT HAVE INFORMATION ON ME BECAUSE I HAVE OPT OUT, THEY CAN NOT VERIFY ANY INFORMATION ON ME. SO IF IT CAN NOT BE VERIFIED THEY HAVE TO DELETE IT.

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 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was recently notified by XXXX XXXX, that TransUnion has stopped recognizing an open account of mine that has always been on my credit reports. In my case, XXXX XXXX in Connecticut. An active account I have had for years and was never late on. When they did this ... my credit score dropped by over 70 points. I never authorized them to do so. They just took it upon themselves to delete it and my credit rating suffered greatly. What gives them the right to do this?

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 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: OR

Complaint narrative:
Predatory Lender - Discover Student Loans For years I pay {$500.00} per month through auto pay. 

XX/XX/XXXX and XX/XX/XXXX Discover reduced my auto payment to {$170.00} without my permission. 

When I called Discover they used a computer cliche as an excused for reducing the payment. This cost me {$50.00} more in interest and they only compensation me {$10.00}. 

My concern is for the thousands of others crushed by student loan debt who they may suffered. 

XX/XX/2018 Loan XXXX {$10.00} Paid ( compensation ) XX/XX/2018 Account XXXX {$500.00} Paid ( corrected auto payment ) XX/XX/2018 Account XXXX {$170.00} Paid ( Discover reduced my auto payment ) XX/XX/2018 Account XXXX {$170.00} Paid ( Discover reduced my auto payment ) XX/XX/2018 Account XXXX {$500.00} ( prior years monthly payment )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm actively fixing my credit report with a counselor. I'm following all the rules by 3 credit bureaus. 
EXPERIAN confirms getting my ID information which they asked for but then won't allow me to dispute any info and keeps asking me to verify my identity AGAIN by sending them the same info I already did OVER AND OVER EVERY 2 MONTHS!! 

It WON'T LET ME UPLOAD ID INFO TO THEM VIA THEIR WEBSITE EVEN WHEN THEY SAY I CAN AND PROVIDE THE WEBSITE PORTAL .. -- doesn't work at all ... ..they WON'T LE ME EMAIL IT. 
I send it to them via snail mail & certified mail, THEY CONFIRM they got it but then when I FILE A DISPUTE & SEND THEM THE PROOF their response is to ask me for my ID/verify MY ID AGAIN.! 
I CANT REACH THEM BY PHONE I CANT CONTACT THEM VIA EMAIL THEY DON'T RESPOND ONLY ASK FOR ME TO VERIFY MY IDENTITY BY SENDING THEM the same info I ALREADY DID the prior month. I CAN'T EVEN FREEZE MY ACCOUNT CANT GET THEM REMOVE ANYTHING ON IT NOR GET THE SCORE UP B/C OF THIS CYCLE OF MADNESS IN VERIFYING MY IDENTITY FOR MONTHS ON END.

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 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have a collection account with this agency and it should be from XX/XX/XXXX. However it was reaged to XX/XX/XXXX ... When the creditor took it over. This account has been illegally reaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I would like to file a formal complaint against XXXX XXXX dba CareCredit. I mailed my XX/XX/XXXX payment of {$200.00} via check # XXXX on XX/XX/XXXX, which XXXX XXXX dba CareCredit applied to my account on XX/XX/XXXX and which cleared the XXXX XXXX XXXX on XX/XX/XXXX. I mailed my XX/XX/XXXX payment of {$200.00} via check # XXXX on XX/XX/XXXX which XXXX XXXX dba CareCredit applied to my account XX/XX/XXXX and which cleared XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX dba CareCredit then charged me a late fee of {$38.00} and additional interest on the XX/XX/XXXX statement and further sent me an email on XX/XX/XXXX claiming I had missed the XX/XX/XXXX payment. I mailed my XX/XX/XXXX {$200.00} payment on XX/XX/XXXX as usual and which cleared XXXX XXXX XXXX on XX/XX/XXXX, so who knows what XXXX XXXX dba CareCredit will come up with on my next statement. 

This is after XXXX XXXX dba CareCredit charged interest each month during XX/XX/XXXX after agreeing to a changed payment date until I filed a formal complaint with the CFPB, when they finally removed the late charges after blaming me for their incompetence in their reply dated XX/XX/XXXX from XXXX XXXX. Additionally, XXXX XXXX   dba CareCredit failed to reply to my correspondence sent to their website link on XX/XX/XXXX until XX/XX/XXXX ( 7.5+ months ) and then finally blamed my for their incompetence in their reply dated XX/XX/XXXX from XXXX XXXX . Because of their failure to respond to my original request for almost 8 months, XXXX XXXX dba CareCredit has now added back interest to the account virtually doubling the amount due for my XXXX XXXX. 

Please require the following of XXXX XXXX dba CareCredit : 1.  Remove the late fee of {$38.00} charged on the XX/XX/XXXX statement 2. Remove the interest charges of {$1000.00} and {$1200.00} from the XX/XX/XXXX statement 3. Permanently remove the interest charges of {$1000.00} and {$1200.00} shown on the XX/XX/XXXX statement for a minimum of 8 additional months which are a result of XXXX XXXX dba CareCredits failure to respond to my XX/XX/XXXX complaint for 8 months last year 4. Charge no interest for the next 8 monthly billing cycles due to XXXX XXXX dba Care Credit 's failure to respond to my XX/XX/XXXX complaint in a timely manner

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 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have several collection accounts with this agency and it should be from XX/XX/XXXX. However it was reaged to XX/XX/XXXX ... When the creditor took it over. This account has been illegally reaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Fees charged to business semi annually, because they have not had any activity of any customer using a XXXX, XXXX XXXX or any card during this period. My company accepts all major credit cards, but mostly they use Visa, MasterCard, If they have other cards we accept them also, I feel it is unfair to a business owner to charge them a fee because no activity of a certain credit card was used during this time period, A Business can not help what type of card a person has, we pay, as it is, for the cards we do take. Why should we pay for a card that someone didn't have, to me this is so wrong and I am being charged for something I have no control over, if this is the case, I will be forced not to .take any card except debit with my bank. To me this is the same as stealing money from a company, because someone didn't use a credit card.

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 2018-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I disputed information on XXXX  in regards to suspected fraud activity being reported by Bank of America Missouri from XXXX. In XX/XX/XXXX I had my bank card and old checks from an old XXXX account stolen I reported my card stolen but at the time unaware that the checks were gone. Two checks were deposited at an atm to my account and the account was closed due to suspected fraud activity. I have since cleared this issue up with XXXX and reached out to Bank of America after receiving copies of a signature card bearing my  signature as well as checks from my account bearing my signature and the stolen checks bearing what is deemed as my signature, I spoke with a rep on XX/XX/XXXX who transferred me to a rep in the fraud dept who stated she was unable to handle and that I needed to speak with someone in risk department who stated that I once again needed to speak with fraud dept., None of these reps offered for me to send the documents I had nor did they look into any documents they may have had. I am just looking to have suspected fraud activity removed from XXXX  and XXXX XXXX XXXX. Thank You in advance

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 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/XXXX called Bank of America and went into the actual bank to speak to an associate. We were told our joint credit card information had to be updates. Updates were made and associate said card was reopened. Card remained open from XX/XX/XXXX to XX/XX/XXXX. We tried to make a purchase on XX/XX/XXXX and found out card was completely closed. 
We went back to back and talked to same associate. She was dumbfounded as to cause of the problem. BOA would not even tell her that that a BOA employee in XXXX closed the account. Our records show that we have had the same credit card account since XX/XX/XXXX and have never had any issues until now. 
Bank said they tried to call us in XX/XX/XXXX and sent a letter. We did not see any letter and the day they said they called us and talked to my wife was a day we were out of town. 
After being transferred from department to department the bank associate was angry that the bank was going to request a new card. Nothing has been changed on our old card and this kind of harassment is unacceptable for excellent customers with no problems at all. We have to wait at least three days until they " make a decision '' as to whether the account will be opened or not. Even the bank associate said there is absolutely no reason that anyone should have closed the account and made things difficult for us as bank clients.

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 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Credit Services, Inc.
State: MI

Complaint narrative:
I have a collection account with this agency and it should be from XX/XX/XXXX. However it was reaged to XX/XX/XXXX ... When the creditor took it over. This account has been illegally reaged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Nelnet, Inc.
State: TX

Complaint narrative:
After reviewing my credit file I have come across information reported from Department of Education/Nelnet that is incorrect. On XX/XX/XXXX I spoke with XXXX at NelNet Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that NelNet has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBM Services, Inc.
State: MI

Complaint narrative:
I have several collection accounts with this agency and they should be from XXXX and XXXX. However they were reaged to XXXX ... When the creditor took it over. This account has been illegally reaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: CA

Complaint narrative:
Equifax has failed to handle my credit file in a respectable proper manner. Equifax has assigned my file to a representative who doesn't return calls or service my file. I've left several messages and have yet to get one single returned call. On top of the mishandling of my file Equifax has failed to address the issues relating to fraudulent accounts listed in my credit report. I have provided Equifax with Police Reports and Fraud affidavits to help address the fraud accounts but has failed on deaf ears. Equifax doesn't do a thorough investigation to prove the validity of my claims nor does it make the furnisher provide sufficient proof especially relating to the ID Theft. If they fail to address my claims, I will have no choice but to seek relief from Equifax in Federal Court and sue for damages due to the amount of damage their inaccurate reporting is causing me and my family. Equifax has failed to remove the following fraudulent information from my file : 1. XXXX XXXX XXXX XXXX 2. XXXX   Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX , XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have ask Transunion on several occasion to update my report to remove bankruptcy that was filed in error on my behalf. docket # XXXX This was done in error. The us bankruptcy courts stated they did not verify this information with Transunion so I'm unsure how they obtained it. This is not valid nor has it been verified please remove this off of my report promptly. All other bureau XXXX and XXXX have been updated, and Transunion refuse to cooperate.

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 2018-07-13 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: CL Holdings LLC
State: MI

Complaint narrative:
XXXX wrongly switched this account into my name after I purchased a house. This bill is from before XX/XX/XXXX and we moved in XX/XX/XXXX. This is not and has never been my bill. I've attempted to speak with both XXXX and the collection agency and they refused to provide proof this is my bill. Furthermore I've attempted to dispute this with credit bureaus and the agency declined my dispute. Further if this was mine it would be from XX/XX/XXXX and XXXX XXXX reaged the account to show it delinquent as of XX/XX/XXXX ... I did not have a XXXX account in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
i owed about 2yrs max left on loan.. i signed a 30yr contract and gave them XXXX plus first mortage payment for heartman ship contract..went to court two days later and judge said my house was already sold. when not even went inside my house to inspect it.. sheriff was at my house within hrs and gave me 10mins to collect my stuff.. i was behind bc i just lost my father and my mom was gettting to many XXXX plus i just had a kid and move to florida to be with him.. my first month payment back i told them to to fly a kite.. lost everything the house my dad died in and his great mother stuff plus my greatdad flag and medals from the world.. and whole house full stuff.. i didnt contact a attroney bc just move away from son in flordia and lost dad and house..plus took the last of money and me and mother and sister and bf and thier kid ur homeless overnight..plus they give would give me a copy of they new contract ask several times..

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 2018-07-13 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I disputed information on chexsystems   in regards to suspected fraud activity being reported by XXXX XXXX XXXX Missouri from XX/XX/XXXX. In XX/XX/XXXX I had my bank card and old checks from an old XXXX account stolen I reported my card stolen but at the time unaware that the checks were gone. Two checks were deposited at an atm to my account and the account was closed due to suspected fraud activity. I have since cleared this issue up with XXXX and reached out to XXXX XXXX XXXX after receiving copies of a signature card bearing my signature as well as checks from my account bearing my signature and the stolen checks bearing what is deemed as my signature, I spoke with a rep on XX/XX/XXXX who transferred me to a rep in the fraud dept who stated she was unable to handle and that I needed to speak with someone in risk department who stated that I once again needed to speak with fraud dept., None of these reps offered for me to send the documents I had nor did they look into any documents they may have had. I am just looking to have suspected fraud activity removed from chexsystems and XXXX XXXX XXXX. Thank You in advance

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 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Debt went in collections. It was paid as agreed had contacted both the creditor and debt collector about reporting it correctly. Neither would acknowledged me and my problem

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