vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-10 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 went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. Can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I have contacted the FTC and the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive been trying to submit an online credit report dispute to Equifax and XXXX for over a month and have gotten multiple technical difficulty notices on both websites one month ago and again today. Ive tried calling both agencies then and today, and have been told that their server is down or that they are closed. Ive even seen a notice that my information is wrong and they arent able to find my credit report when I got reports from BOTH of these agencies in mid XXXX. I was able to contact XXXX last month and theyve already corrected the erroneous late payment note on my report which immediately got my credit score over 700! Im trying to refinance my house and the credit scores from Equifax and XXXX are killing my chances of even getting a loan, much less getting a decent rate. PLEASE contact those folks and tell them to quit blockading their website in order to avoid doing their job!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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:
Months ago I disputed the following accounts in Hope 's that the credit agencies would of did the right thing by deleting them. However this will be my 2nd attempt to obtain the Method Of Verification for the following accounts if not please block the accounts from my credit report as stated within the laws of the FCRA. The 2 accounts are ( 1 ) XXXX XXXX XXXX, ( 2 ) 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 2019-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive been trying to submit an online credit report dispute to XXXX and TransUnion for over a month and have gotten multiple technical difficulty notices on both websites one month ago and again today. Ive tried calling both agencies then and today, and have been told that their server is down or that they are closed. Ive even seen a notice that my information is wrong and they arent able to find my credit report when I got reports from BOTH of these agencies in mid XXXX. I was able to contact XXXX last month and theyve already corrected the erroneous late payment note on my report which immediately got my credit score over 700! Im trying to refinance my house and the credit scores from XXXX and TransUnion are killing my chances of even getting a loan, much less getting a decent rate. PLEASE contact those folks and tell them to quit blockading their website in order to avoid doing their job!

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 2019-02-10 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: MO

Complaint narrative:
Months ago I disputed the following accounts in Hope 's that the credit agencies would of did the right thing by deleting them. However this will be my 2nd attempt to obtain the Method Of Verification for the following accounts if not please block the accounts from my credit report as stated within the laws of the FCRA. The 2 accounts are ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Months ago I disputed the following accounts in Hope 's that the credit agencies would of did the right thing by deleting them. However this will be my 2nd attempt to obtain the Method Of Verification for the following accounts if not please block the accounts from my credit report as stated within the laws of the FCRA. The 2 accounts are ( 1 ) XXXX XXXX XXXX, ( 2 ) 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 2019-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
I recieved a payday loan from Speexy cash in XXXX, WA for {$350.00} and was to pay back {$400.00} on XX/XX/2019. My medical premiums have been taking out hundreds over the regular amount to the point that my company and union are all going to sit down and figure out wtheck is going on so I was unable to pay the payday loan back on time due to not expecting my check to be hundreds short. SO, payday loan day came and went but I had also given them permission to run the check and knowing my bank allows overdraft I assumed okay its going to overdraft my account and there's nothing I can do. Well, a woman named XXXX called me XXXX XXXX from speedy saying the check had been declined. I, then, explained the extenuating circumstances and said I would definitely make a payment on my next payday which now differed from original biweekly schedule ( was out on medical but then went back to work in this time. Its why i needed the payday loan ) so yes instead of two weeks from original due date it was agreed to be paid on XXXX XXXX. It was agreed to! They instead lied and continued to try and pull out entire amount and did so overdrafting every penny from my account. They by WA law HAVE to accept installments and I believe I even have 45 days to make a payment before theyre allowed to begin trying to force payment anyway are they not? Anyway, I called and they could care less and their reasoning was, " well, other people have lied and not paid them back in the past so they do this to everyone. '' They used deceptive means and lied about the agreement all together. I have all of which on recording to prove so. Her admitting to not telling me thats what they would even possibly do. I need that money back now and they can not treat me as less than human when this was completely out of my control in the first place. I can prove the medical was taken straight out of my check and that they owe hundreds when I've only just gottan back to work so they are the only ones who have lied here and royally XXXX  me after I was already going through enough! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I am disappointed that because of a negative $ XXXX on my SunTrust Checking and savings account were closed. 
I understand that account in the minus longer then 60 days have the account closed. I love SunTrust and wish to remain a customer by having my federal tax refund direct deposited into the reopened account which can repay your company for the loss. Your bank is the best I have ever had. I wish to resolve this. 

Unfortunately I have called and called your support lines and been given multiple answers. I wish to know which one is correct. 


Can I re-open my previous account Please? I wish to repay the {$13.00} debt. 
I will have my Federal tax return direct deposited into my account. 
If so ill need a new debit card sent to me as I have lost the other. 

If the same account can not be reopened can I create another checking account and resolve the debt still? 

I didn't receive any notice when my account was closed. No email when it was in the negative. 
I have tried responding to the secured emails that I have but I do not get a response. 

Thanks

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 2019-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Financial Systems, Inc.
State: MS

Complaint narrative:
I recently obtained a copy of my credit report and noticed Southern Financial Systems Inc furnished information on my credit report. The item states that they opened the account in XX/XX/2018. I have never received an initial communication in writing that is required by federal law. Because of their lack of following proper procedures, I was unaware of the debt they claim I owe and was never given the opportunity to exercise my right to dispute the debt within 30 of the initial notice. Southern Financial systems began reporting this debt without my knowledge and without verifying the debt. I do not believe that the debt belongs to me. I would like for them to properly verify the debt by providing the original consumer contract with my signature on it. Without that, there is a strong possibility that Southern Financial Systems has mistaken my identity for someone elses. And by their lack of following the federal law to send notification about the debt, I assume that Southern Financial Systems knows that they can not verify the debt and are illegally furnishing information to my credit files. I would like to exercise my rights and demand to have the debt validated and verified or immediately deleted from all credit reporting agencies.

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 2019-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS

Complaint narrative:
I received an unsolicited, pre-approval notice from XXXX XXXX that I could get a loan from One Main Financial. I was glad to know that since I had a discharged bankruptcy on my credit report history as recent as XX/XX/XXXX. Since that bankruptcy, I have taken out one installment loan with my bank and have opened 4 credit card accounts, ( all in good standing ). So I applied for XXXX dollar, 24 month term loan, and I got a approval notice by email. The reason I applied for the loan was to have a diverse amount of credit history, so as to re-establish my credit history since the bankruptcy discharge. I spoke with credit manager at the local branch about my approval letter and according to her everything was alright, but she was rude and quite unbusiness like, after our heated discussion, I got a letter from the main office in Indiana stating my loan was denied, without stating any specific reason ( s ), even though it was approved, ( I have screen shot of approval notice ). My credit score went from a low of XXXX to a high of XXXX ( XXXX ), ( XXXX XXXX ), ( XXXX, XXXX ). Now, as a result of one main financial pulling a credit report, my credit score went down three points, thus making any future approval for loans from other potential lenders, possibly hard to get, that enquiry will be on my credit report for 2 years, thus making any possible future loans hard to get. I think it is bad business and very bad for the consumer when something like that happens, it hurts the consumer. My loan should had went through but because of the branch managers bad attitude, I did not get the loan I was pre-approved and qualified for. Reference number, XXXX, letter dated, XXXX XXXX, XXXX. I uploaded per their request, all documentation that was required, and my credit report has nothing negative showing on it but a discharged bankruptcy dating back to XXXX. I work and have a steady income, so there is no reason why I shouldn't get the loan I was approved for. Also the manager at one main financial in XXXX, Ms where I was suppose to sign for the loan, told me on the phone that since the bankruptcy had been discharged, that would have no negative affect on my approval status, also, she said that my credit score was within the range of being approved for the small, unsecured loan. But because she developed a attitude ( bad for business ), my loan appearantly was changed from being approved to denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
i this XXXX XXXX XXXXSynchrony Bank, and i have been add a higth interes every mont plus a CARD SECURITY XXXX wich i recuest too cancel for aboutj 7 monts a ready and never was cancel..because this has misleading information and you never get this aprove. for the XX/XX/2019 i have a INTEREST CHARGE ON PURCHASES XXXX, this is every mont plus the XXXX wich make the account higth on top even with not balance left..so the account is XXXX because all this fees a account security card services is hgth avero mont to is liek making this chrages on top of a empty account create by this same charges ... can beleve this. i have been charge more tham XXXX dollars on fee, interes, on topo every mont..create by this same fees and inter over balance use..this is not rigth. 

Look so you guys have a idea : {$2100.00} XXXX, Current Balance. 

$ XXXX, Available to Spend {$1700.00} Limit.

{$6800.00} Minimum Payment Due. 

fees : Statement Month XX/XX/2019 Statement XX/XX/2019 CARD SECURITY XXXX XXXX XXXX XXXX XXXX XX/XX/2019 INTEREST CHARGE ON PURCHASES XXXX XX/XX/2019 AUTOMATIC PAYMENT - THANK YOU 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 2019-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
I started my repayment in XXXX with FedLoan Servicing under the Pay As You Earn program. Everything was fine until XXXX when I was making {$75.00} a month payments and I had just one job. I took out a mortgage loan and my lender gave me {$42000.00} to purchase my home under the assumption I was paying {$75.00} a month for my loan. I started working more jobs and my payments increased. I informed them several times of this issue. Last month my loan was transferred to XXXX along with {$20000.00} in charges and interest buildup that occurred while I was with XXXX. I informed XXXX of the mortgage issue and the fact that XXXX fraudulently took money and transferred my loans to XXXX. I actually owe {$80000.00}, but XXXX received {$100000.00} in loans during the transfer. I want to sue XXXX for fraudulently charging me and transferring my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX employees often live in other countries who don't even speak clear English. And, I XXXX XXXX was told to do an online dispute by one of them.I called twice and was told the same thing by a non-us customer service rep, whom did't speak clear English. So I filed an online dispute, only to discover when I answered all the security questions properly, I got an error message, which is attached. It is EQUIFAX fiduciary duty to not lead a consumer astray. Also, per XXXX  vs FTC no credit bureau can place the below financial and personal information within my credit report. 

XXXX XXXX v FTC United States Court of Appeals FOR THE DISTRICT OF COLUMBIA   CIRCUIT Argued XX/XX/2002 Decided XX/XX/2002 No. XXXX XXXX XXXX XXXX, Appellant v. 
Federal Trade Commission, et al., Appellees Appeal from the United States District Court for the District of Columbia ( No. XXXX ) 6. The regulation provides the following examples of PIFI : ( A ) Information a consumer provides to you on an applica- tion to obtain a loan, credit card, or other financial product or service ; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that an individual is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about your consumer if it is disclosed in a manner that indicates that the individual is or has been your consumer ; ( E ) Any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collect- ing on, or servicing, a credit account ; ( F ) Any information you collect through an Internet " cookie '' ( an information collecting device from a web server ) ; and ( G ) Information from a consumer report Penalties and Liabilities, Sections 616, 617, and 619 ( 15 U.S.C. 1681n, 1681o, 1681q ) Credit unions may be liable for willful noncompliance or negligent I was  attempting to dispute the following account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I bought furniture at XXXX XXXX. They delivered it with big damaged imperfections. They took it back, and sent me more unacceptable products. The dielivery men gave me a hard time. The customer service people said the second set of imperfections were part of the design, which was preposterous. I decided to return everything. I had paid for everything. I talked to their billing people, who agreed I had paid for everything, and that I had overpaid by {$55.00}. Then XXXX XXXX reversed their position, said I still owed them XXXX. I did not, so I cancelled/reversed the payment through my credit union. XXXX XXXX then illegally billed the XXXX XXXX credit card, which XXXX XXXX requested I open when I was initially going through the confusing procedure of trying to pay them, at the store when I finalized the purchase. I now believe they do this to make sure they have a way to get their money back from people who have disputes and problems. They have now illegally billed me XXXX in late fees on top of a {$55.00} charge that I did not owe them. I have tried negotiating with them, put the bills into dispute three or four times, and they keep coming back with a denied dispute. 
I have provided them with names of people I have talked to, what those people said, yet I continue to be ignored. When I tell them the names of the employees who gave verbal agreement over the phone, by several of their employees that I do not owe them the {$55.00}, this too has been denied. I offered to pay the {$55.00}, they refused. I offered to return the picture that they say I have not paid for. They refused. I asked for copies of all notes and correspondence, they say they do not have access to my records any more. I am not sending copies of all correspondence, as there is too much. No one at their company verifies any thing they told me, and they just keep adding more and more late fees. I do not know if they reported me to the credit bureaus yet, but my score has gone down. I am a senior citizen, and do not appreciate them taking advantage of the fact that they are abusing me via credit card fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
ON XX/XX/XXXX DIVERSIFIED CONSULTANTS OPEN A COLLECTION ACCOUNT ON MY CREDIT REPORT. ALSO THIS ACCOUNT WAS ALREADY REPORTED BY ANOTHER CREDIT REPORTING AGENCY XXXX BACK IN XX/XX/XXXX. THEREFORE IS VIOLATING MY RIGHTS AS A CONSUMER IF ACCOUNT IS SOLD TO THE DISVERSIFIED CONSULTING AGENCY WHICH HAS AGREED ON XX/XX/XXXX TO REMOVE THE ERROR OF REPORTING TO MY ACCOUNT. I WANT COMPLETE RESOULUTION TO THIS MATTER AND HAVE THIS UNFAIR REPORTING VIOLATING MY RIGHTS AS A CONSUMER OFF OF ALL OF THE CREDIT REPORTING AGENCIES XXXX, XXXX AND XXXX. PER XXXX XXXX THIS IS SUPPOSE TO BE RESOLVED BY XX/XX/XXXX. PLEASE ADVISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Ive sent out 8 letters to LVNV Funding LLC, they never varified that I had debt and a signed contract. Ive only received one letter back and they sent me a statement from the original creditor. Thats not showing I owe them debt. In accordance to the law they can not do that and without proof I owe them and have an open contract with them they have to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
So on all my credit reports knights adjustment breu is trying to collect a debt that was cleared from insurance through XXXX XXXX XXXX XXXX and has taken fund from me with notification to me and destroyed my credit and have several things that I have never seen before and don't owe this I believe my parents used ssn with out my knowledge and is effecting my life dramatically and I don't know what to do

Company response to consumer: Closed with explanation