vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 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: ERC
State: AZ

Complaint narrative:
The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is. 

Account Name Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX, XXXX ) Enhanced Recovery XXXX ( XXXX ) XXXX XXXX XXXX XXXX / Formally known as XXXX XXXX ( XXXX/XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Aging account by fraudulently reporting the wrong open date for this debt. 

Account Name Original Creditor Citibank Citibank XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc.
State: CO

Complaint narrative:
RevSolve Inc keeps calling me at work, after being repeatedly told not to call during those hours. They have been extremely aggressive and disruptive in their tactics, even suggesting that upcoming XXXX is a ploy to avoid paying. I REALLY need them to quit disrupting me at work. 

I can provide call recordings if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX, have tried to contact Navy Federal Credit Union about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I deploy but they refuse to accept. NFCU will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the XXXX and with out it show on my credit report which is negatively effecting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was involved in both the XXXX & XXXX XXXX breach of security on XX/XX/XXXX & XX/XX/XXXX.  Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ

Complaint narrative:
Aging account by fraudulently reporting the wrong open date for this debt. 

Account Name Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I made a discovery of a Bankruptcy case in XXXX Tennessee District Court of XXXX Tennessee that I had was exploited with a company name XXXX XXXX : Co Founder & CEO XXXX XXXX and Co Founder & CMO XXXX XXXX. I filed a bankruptcy case in XX/XX/2017 with a law firm in XXXX Tennessee : XXXX XXXX XXXX XXXX : filing Attorney XXXX XXXX XXXX. I never given any individual or Attorney the consent or permission to submitted and display and of my case private information publicly on the world wide international website through the above listed company. I an requesting a through and complete investigation on the individual whom submitted and posted the information and would like to follow through with a civil law suit in the matter of private personal information exploitation : This action committed personal and business slander to my financial worth and ability to function with livelihood and personal self employment business.

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 2019-09-10 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: AMCOL Systems, Inc.
State: TX

Complaint narrative:
{$360.00} last report date XX/XX/2019 I submitted an online dispute several times. 
I also send in a written dispute as well. 
Nothing was done I contacted the creditor directly and they will not comply

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: CO

Complaint narrative:
Monthly payments are being made to Lenmark Financial @ XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX. I understand they are coming in late, this is no excuse. They have not been more then 30 days past due. The issue is that I get repeated phone calls from an employee by the name of XXXX. He leaves voicemails that are threatening collection tactics. I spoke to a manager months ago about an extension after the payment was made. Never went through. I make my payment each month, again I fully understand that its late I try my best not to go over 30 days ( which I have never done ). I do not want this type of employee calling me in this manner ever again. Voicemail of last message is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: National Credit Systems,Inc.
State: AZ

Complaint narrative:
These companies need to correct the open date to correctly reflect the day these accounts went into collection. Aging account by fraudulently reporting the wrong open date for this debt. 

Account Name Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX National Credit System XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I used to use CashApp as my direct deposit method, as I have a debit card for it. CashApp closed my account for no reason on the XX/XX/2019. I got paid on the XX/XX/XXXX and attempted to access my funds.The account my funds were sent to is closed and as well as my CASHAPP. The bank of course denied the funds and sent it back to CashApp. I have beejn trying to get assistance for a week now and have yet to speak with anyone. I am late on my rent, phone bill and other things. what am i supposed to do??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I financed a new XXXX XXXX XXXX with {$5000.00} down payment ( total price {$53000.00} ) and 0 interest for 72 months at XX/XX/2019 at XXXX XXXX XXXX XXXX ( XXXX  , CO ). Today ( XX/XX/XXXX ) the dealer told me I must pay {$26000.00} more down payment otherwise I have to return the car, and charge {$99.00} dollar per day for the 10 days I drive. They have carefully checked my background before signing the contract. If they can not make the deal why not just tell me at the beginning? The monthly payment has not started yet ( will start from XX/XX/XXXX ) but they broke the contract already. I can not pay for the extra {$26000.00} dollars immediately. But if I return the car I need to pay {$1000.00} for the miles I drove these days ( just 200 miles ). This is absolutely a defraud and robbery. Assuming I have the money and paid for the extra down payment, what about after I drive for three months and they force me to fully pay for the car. If I don't have enough money at that time, they will charge me more money for the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX, have tried to contact XXXX XXXX XXXX XXXX about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I deploy but they refuse to accept. XXXX will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX, have tried to contact XXXX XXXX XXXX XXXX about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I XXXX but they refuse to accept. XXXX will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX, have tried to contact XXXX XXXX XXXX XXXX about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I deploy but they refuse to accept. XXXX will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.

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 2019-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My problem is that Equifax isnt disputing anything on my records. XXXX XXXX XXXX XXXX collection reported XX/XX/XXXX assigned XX/XX/XXXX amounts {$450.00} account number # XXXX XXXX XXXX XXXX XXXX  reported XX/XX/XXXX assigned XX/XX/XXXX amount {$330.00} account # XXXX XXXX XXXX XXXX   XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$460.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$100.00} account # XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$90.00} account # XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$100.00} account # XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$190.00} account # XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$100.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$1200.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$410.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$250.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$150.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$170.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$240.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$150.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$150.00} account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my 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 explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Two Bank of America employees anonymously informed me that a credit card was opened in my name the same way XXXX XXXX did customers from XXXX to XXXX and got caught for. When I would go to the banks to have my account serviced they would do a soft pull to verify that I was the owner of the account and one of the times this happened they ordered a credit card in my name. I never found out until I came to XXXX ad two employees pulled me to side and gave me hints.

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 2019-09-10 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: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
On the promotion they are not show it on the statement as a separation rate. They are showing everything under the higher rate. exp. the promo is 6.99 % and the standard is 22.00 % they are not showing what is what i did under the lower rate.

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 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I Filled A Claim for a Transaction that was Done On My Account For USPS {$570.00} And M & T Bank Denied My Claim Because the Merchant USPS Provided Documentation Saying That The Money Order Was Cashed and i Return this Money Order Back to the Merchant and The Merchant Claim to the Bank that the Money Order Was Cashed Something That was Not True Please Help me Fix This Problem Even Thogh I Provided M & T Bank Documentation That The Money Order Was Refunded By The USPS Back into my Debit Card and its Been More Than 30 Days And Their Still No Refund Coming Back From USPS M & T BANK REVERSE THE PROVISIONAL CREDIT - {$570.00} And Made My Account Negative : - {$570.00} Please Help me With This 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 explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I get an email on XX/XX/19 that access to my checking account has been blocked for some unknown reason. I call up on XX/XX/19, go through the gammet of questions they ask to confirm my identity, including them sending a text message to my phone and me reading the text to the service representative. I then am told there is nothing they can do for me and that they are working on a solution without any explanation of what the issue is, what their solution is, etc. leaving me without the ability to access the account where my bi-weekly paycheck is deposited, from which my bills are paid, for seemingly no reason whatsoever.

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 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Until recently I had my Mortgage loan with.XXXX XXXX XXXX. My loan was sold to Loan care. XXXX XXXX XXXX XXXX XXXX, VA XXXX. ( XXXX. So as of XXXX my new payment would be going to the new company. My loan is due on the XXXX of every month. 

I noticed that no withdrawals had been made. On XX/XX/XXXX. XXXX I contacted loan care and asked if they had automatic deductions set up. For my account since my loan was rolled over and had auto deductions set up previously with XXXX XXXX XXXX They stated they did not. So I made a payment over the phone. Setting up the auto deduction with loan care representative. 

When I checked my account I noticed two transactions were processed For {$2600.00} the auto deduction and the phone payment made. 

I have been calling and submitting statements since XX/XX/XXXX, I have been getting the run around. I received an email that the bank statement I submitted was not sufficient, the next day on contacted them. I was placed on hold for over 45 minutes. When I asked specific instructions on what they requested I also got different responses. 

On XX/XX/XXXX I received another email that they could not read the statement from the bank with its name and address clearly showing. So, that afternoon I went to my bank and got a signed letter head clearly showing everything they requested. Along with the two transactions that were processed. 

On XX/XX/XXXX I called to check on the status and they stated that they could not read the copy from the bank, but the letter from the bank was ok. I advised supervisor that I had multiple copies Showing clearly the type transactions. She advised that this would be sufficient. 

I have been waiting for my money to be refunded to my account but nothing. So I called on the XX/XX/XXXX. Meanwhile I have not received nothing via email that anything was needed. So when I called XX/XX/XXXX I asked to speak to Supervisor and she advised that I would have to call on Monday XX/XX/XXXX to get my tracking number. I thought that was strange. Because I know you receive that via email so I called XX/XX/XXXX speak with another representative and she tells me that have to provide another statement from my bank to show it was CLEARED. That is ridiculous it was not a check. It was taken from the company directly. XX/XX/XXXX I re- submitted another statement showing All of the information with the two double Mortgage withdrawals. I am very frustrated I hope that this can be resolved soon. 



They asked on XX/XX/XXXX XX/XX/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 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I am bank of America 2 years ago I got strange checks deposit then withdraw done in XXXX while I am leaving in Delaware .Now bank of America want me to pay 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