vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST HORIZON BANK
State: NV

Complaint narrative:
I closed my account on XX/XX/2018, got a check & have a closing statement. SS sent a check to the bank, {$650.00} on XX/XX/2018, which should have been returned but the bank reopened my account with out my knowledge or permission, than allowed withdraws that were not owed. I sold my house in XXXX closed all accounts & moved out of Tn. the XX/XX/XXXX yet they allowed money taken in XXXX & XXXX. The bank made the mistakes not me but now do not want to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I haven't had my credit report from Experian updated since the first of the year.i asked them to update it.they said they would but never did.XXXX   and XXXX.never had a problem with just experian.and I want to know why.

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 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Someone purchased a mattress from XXXX under my name and had it delivered to an address that wasn't mine. Wells Fargo purchased that debt. I disputed that debt with Wells Fargo and provided proof that I did not authorize this purchase. I have a letter from Wells Fargo stating this. 

This unpaid debt is still on my credit report ( XXXX ) and is preventing me from refinancing my student loans. I called Wells Fargo fraud department and they told me that they would contact all credit agencies. Additionally, I have disputed the account through XXXX and the dispute failed ( w/o providing a reason ). Despite these actions, I still have this unauthorized account on my XXXX credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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: TX

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  ), Unknown Name ( XXXX : XXXX ), XXXX XXXX/XXXX XXXX  ( XXXX : XXXX   XXXX  : XXXX Transunion : XXXX  ), XXXX XXXX ( XXXX  : XXXX  XXXX : XXXX  Transunion : XXXX ), XXXX XXXX/XXXX  ( XXXX  : XXXX XXXX : XXXX  Transunion : XXXX  ), XXXX XXXX XXXX  ( XXXX : XXXX XXXX : XXXX  ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX   ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX  ), XXXX XXXX XXXX : XXXX XXXX : XXXX  Transunion : XXXX  ), XXXX XXXX ( XXXX : XXXX : XXXX : XXXX Transunion : XXXX  ), XXXX/XXXX  ( XXXX   : XXXX XXXX  : XXXX  Transunion : XXXX  ), XXXX/XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX  ).

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 2018-08-24 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: TX

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 ( Equifax : XXXX XXXX : XXXX ), Unknown Name ( Equifax : XXXX  ), XXXX XXXX/XXXX XXXX ( Equifax : XXXX   XXXX : XXXX XXXX  : XXXX  ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX/XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX ( Equifax : XXXX : XXXX : XXXX XXXX : XXXX ), XXXX/XXXX  ( Equifax : XXXX  XXXX : XXXX XXXX : XXXX ), XXXX/XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX ).

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I received an email stating that there is a law suit with XXXX XXXX. I am currently enrolled with them as they promised my payments with them would be reduced and it would go towards my loan. However, the law suit is stating otherwise. All the money i have put towards XXXX could potentially being going to the way side. I have been enrolled with them for a year or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: PA

Complaint narrative:
An attempt to verify the debt or amount owe was made and the amount sought was verified by the debtor ( University of XXXX ) and third party ( Reliant Capital Solutions ) as accurate on XX/XX/2018 in the amount of {$13000.00}. 

The debtor has refused to discharge, and/ or delete the account information, including credit inquiry, and/ or cease collection of the account by way of third party. Both companies are in violation of the Fair Debt Collection and Fair Credit Reporting Act 's under federal law for violation of consumer credit rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Since XX/XX/2016, I have made several complaints to CFPB and XXXX about 2 Capital One cards showing up on my credit. Capital one even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its exceeded 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
On XX/XX/ I erroneously paid Prestige XXXX XXXX a payment of {$260.00}. OnXX/XX/XXXX I erroneously paid Prestige a payment of {$240.00}. I no longer use Prestige XXXX XXXX. I am with XXXX. I did auto payments from my checking and it erroneously went to Prestige XXXX XXXX. They have refunded me the {$240.00} but NOT the {$260.00}. I have called Prestige numerous times. I get a different story every time. I have faxed and emailed my banking statement to them to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Have a fraud report number XXXX. Involving XXXX account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX Bank. Review Documentation. Fraud accounts must be removed ASAP according to FCRA guidelines. I will also be faxing documentation over

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Jeffrey R. Lankenau, Attorney at Law
State: OH

Complaint narrative:
My son was seeing a XXXX at XXXX XXXX in XXXX. On XX/XX/XXXX I had received a statement saying I owed {$570.00}. On XX/XX/XXXX I had faxed XXXX a copy of my insurance card with a note saying I thought they were billing the incorrect insurance company. On XX/XX/XXXX I received another statement so I called on XX/XX/XXXX and spoke with a gentleman in the billing department. He said he did get the insurance card, to not pay the bill and he will bill the correct insurance company. I then on XX/XX/XXXX, receive a letter from a lawyer that XXXX is making me pay the full {$570.00} plus late fees. I called my insurance company asking about the claims. XXXX at XXXX XXXX XXXX XXXX stated that XXXX did not file the claims until XX/XX/XXXX, it was passed the allowed allotted time therefore they were denying the claims. She also said I had a right to file an appeal on the claims. I also had sent a letter to the lawyers office disputing the charges. On XX/XX/XXXX I received a notice from the court that I will have to appear in court for the charges. I called my insurance company about the appeals and they stated that since it was passed the date they are upholding their original decision. I think it is XXXX XXXX that I did what I could to get him to send the information into my insurance. If he had the information on XX/XX/XXXX why did he not bill the insurance company until XX/XX/XXXX? I am being forced to pay all of the amount and late fees because he didn't do his job. This is not the first time I have had trouble with their billing department. I am not getting in resolve from them or the lawyer Jeffrey Lankenau in XXXX Ohio.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-24 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: GA

Complaint narrative:
Since XX/XX/XXXX, I have made several complaints to CFPB and BBB about 2 XXXX XXXX cards showing up on my credit. XXXX XXXX even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND my credit.

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 2018-08-24 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: GA

Complaint narrative:
Since XX/XX/XXXX, I have made several complaints to CFPB and BBB about 2 XXXX XXXX cards showing up on my credit. XXXX XXXX even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: GA

Complaint narrative:
Since XX/XX/XXXX, I have made several complaints to CFPB and BBB about 2 XXXX XXXX cards showing up on my credit. XXXX XXXX even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND my credit.

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 2018-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial
State: NV

Complaint narrative:
A person called me claiming that were collecting a debt from XXXX and that they worked for a company called XXXX, which when I search it is a clothing company, and called from a number that when I searched it did not show a name of a company. The number is XXXX XXXX. 

They threatened to serve with me lawsuit papers if I did not pay them the amount owed of {$820.00} today., They stated that they knew where I worked and what day I get paid. 

Very threatening and abusive

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its exceeded 60 days.

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 2018-08-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its exceeded 60 days.

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 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: IL

Complaint narrative:
I opened my mail on Wednesday, XX/XX/XXXX. I was sent a letter from Discover saying I was pre-approved for a loan for debt consolidation. I went to XXXX and filled out the form. I was then directed to call XXXX to speak to a representative to verify some information. I called the number, as directed, and it states it is the discover personal loans department. I was on the phone with a lady who asked questions to confirm my identity - Name, date of birth, phone number, current address and social security number. I gave all of the needed information. She then asked why I wanted to consolidate my debt and what accounts I wanted to transfer the funds to. She then explained that I was approved and informed me that they are able to transfer the funds to the accounts I wanted. She was very persistent with that being the best option. I said that I wanted to have it deposited into my checking account and that I would distribute it as necessary. She then told me I was not approved and that they would send me a letter in the mail explaining why. I thought it was very odd since I was already pre-approved and she said I was approved initially. I was frustrated but thought nothing of it. Friday, XX/XX/XXXX, Discover e-mailed me about getting started on my Personal Load. I was confused that I received an e-mail from them when I had previously filled out the SAME form and was told to call and then denied. I chose the option to chat with a representative. I explained the situation and the kind lady began looking for my application. She verified who I was and informed me that she found no records of me applying. She asked me what number I called and then told me that it was not a valid Discover number. At that point I googled the number XXXX and saw that someone noted it was a scam number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
on XX/XX/XXXX I did a promotional offer on my XXXX card for {$290.00} for deferred interest for 1.5 yrs. My minimum payment went up and I was assuming that XXXX like other lenders was applying my payments to the promotional balance in such a way as to ensure that balance would be paid off first. They weren't. I have 99 days left ( due on XX/XX/XXXX and I have a balance of {$250.00}. I do paperless billing. If I had not clicked on a link I would have never seen that I will shortly be incurring a {$100.00} charge in interest that would cause me to go overlimit and start incurring overlimit fees and potentially late fees as I struggle to bring my account current and not-overlimit. 

This is deceptive payment allocation practices and when today XX/XX/XXXX I contacted XXXX I was informed of their policy which is to apply only amount OVER the minimum due to promotional balance ( I didn't realize that so their disclosures if there we any, are not obvious enough ). This practice seems very deceptive and encourages their consumers to get into overlimit situations which can also impact their credit. Set up to fail!

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 2018-08-24 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:
Have a fraud report number XXXX. Involving XXXX account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX Bank. Review Documentation. Fraud accounts must be removed ASAP according to FCRA guidelines. I will also be faxing documentation over

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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: IL

Complaint narrative:
Have a fraud report number XXXX. Involving XXXX account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX Bank. Review Documentation. Fraud accounts must be removed ASAP according to FCRA guidelines. I will also be faxing documentation over

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 2018-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This company maintains that they have acted above board. However as of today I have yet to receive one of these letters they have claimed to have sent me. I only received these because they forwarded them to CFPB. 
On XX/XX/XXXX it was claimed that a review of the call determined that it wasnt to cover the balance on the account. I advised that there were multiple calls and requested a copy of the calls but never received anything. 
XX/XX/XXXX you advised all billing statements were sent out. That the emails were sent but again never received on any email account that I have access to. This is strange because I received a statement at the end of XX/XX/XXXX which has caused me to file these complaints in the first place. 
XX/XX/XXXX letter I was advised that neither of these credit card accounts use text alerts for billing however as you can see from the enclosed documents I have now been receiving them every month like clockwork. 
I forwarded a complaint to the better business Bureau to whom which your bank refuses to acknowledge. I forwarded a complaint to your states attorney generals office and the office forwarded the complaint again to CFPB. 
Now that I have these documents I will again forward my complaint it shows that either there is an issue in the company that needs to be resolved or this company practices are to provide incomplete and unethical business practices and does it best to cheat its customers. 
At each turn I have been provided with falsehoods to email billing statements to we dont send text messages. 
Now every other day I am receiving calls for payment 2-3 calls a day but when it was beneficial to you to steal and over charge me I never received any calls at the level I am getting now.

Company response to consumer: Closed with explanation