vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-25 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: NC

Complaint narrative:
I received a collection from XXXX XXXX on my report. I have never heard from them. No contact. No 30 day letter to respond. Nothing. This is not mine. My husband went to hospital not me. He is XXXX. I am XXXX. How can this be mine. I would not like proof. Not a bill. But proof it is mine. My name has been changed to XXXX XXXX XXXX recently. Thats when I received this ding to my report. It is my culture to take my husband name. These people must send me a letter to ask if it is mine. I got nothing in my name.

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 2018-11-25 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: NC

Complaint narrative:
I keep trying to get XXXX XXXX removed. The new law says that if any data is not reported in 6 months it has to be removed. It is still there. Also. It was not my account. I paid it because it was messing up my credit. They cant say I paid it therefore it is mine. Thats what I got from them. Also XXXX XXXX   told me they would have it removed. And have not. I sent the letter to experian and they did not either. They are suppose to report accounts information

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 2018-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: OR

Complaint narrative:
On XX/XX/18 I received a payday installment loan of {$550.00} from Bright Lending. As of XX/XX/18 I have paid a total of {$740.00} to Bright Lending ( more than covering the cost of the loan ). Despite paying the loan off, my balance according to the website is {$580.00} ( more than the original loan amount!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was charged {$19.00} by Transunion on XX/XX/25 even though I did not agree to any purchase.

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 2018-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
On XXXX, a payment due for XX/XX/XXXX, in the amount of {$350.00} was submitted from one of my checking accounts, posted, then was reversed. The SAME DAY, I submitted another payment, in the amount of {$350.00} from a DIFFERENT checking account. The 2nd payment posted to my Hyundai account, reduced the principal balance, but the DUE DATE did not update. Hyundai has acknowledged there was a " glitch '', but failed to correct my due date. Hyundai opened a complaint, but no resolution has been made. The funds were deducted from my XXXX XXXX " XXXX checking '' account, trace ID # XXXX on XXXX. Per Hyundai 's own payment history, which they provided to me, my principal balance on XXXX was {$16000.00}, and after the XXXX payment posted, my principal balance was then {$15000.00}. I struggled to make two more payments in the month of XXXX to bring my account current, but my due date has still not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
In XX/XX/XXXX, received letter stating I owed XXXX to XXXX apts. the accuracy of this debt is false and fraudalent. stated I moved in XX/XX/XXXX and have new lease that I moved in XX/XX/XXXX. I have all my receipts that do not total what is stated I owe. the receipts state a zero balance. there is a document with my signature that is forged by someone trying to sign like me. I have a voice recording of my speaking with the landlord and she can not give me an accurate date on when and why this debt is owed. I was on section8 housing assistance and have letters that the manager states i do not owe this debt. National credit systems have attached my credit report with this negative and false reporting that is hurting my credit. they are aware this debt is false but continued to place it on my report regardless.the landlady told the police officer I had involved in this matter that I owed in XX/XX/XXXX but stated to me it was because i moved out in XXXX XXXX she is inconsistant on the dates to which this debt is owed. i was not aware of this matter until 6 months after i had in fact left those apartments. the landlady never contacted me in this matter and i feel this is wrong. XXXX XXXX, the landlady falsified the name of the apartments : she placed in collections under XXXX apts but the building is XXXX management inc. she is attempting to extort money that i do not owe. have made several attempts by sending in all my receipts showing a zero balance but still reported as negative debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: IA

Complaint narrative:
I have disputed accounts on my Equifax report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: IA

Complaint narrative:
I have disputed accounts on my XXXX  report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere

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 2018-11-25 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: IA

Complaint narrative:
I have disputed accounts on my XXXX report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere

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 2018-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I believe the amount that the student loans company states that I owe are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES
State: MS

Complaint narrative:
I believe the amount the company states I owe are incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear, Im XXXX  years young, with XXXX and XXXX XXXX vet, On XX/XX/2018 at XXXX XXXX ( pacific time ),  I made teller deposit {$1500.00} cash and {$100.00} check total of {$1600.00} inside the XXXX grocery store  one of US bank branch located at XXXX  XXXX XXXX, XXXX Ca XXXX, I got official receipt showing my deposit amount, on XX/XX/2018 Iat XXXX logged in but couldnt find my deposited fund, It is very important because I paid few bills that going to appear on Monday, so I called US bank and discussed the issue they couldnt find the deposit either they said we will investigate it this can not happened because they are banks what happened if i dont have the deposit slip but the issue is what if I didnt had it and is cash this is fraudulent action when an deposit or withdraw or any transaction It must appear in the account ( s ) I really believed Usbank participating in fraudulent activities and CFPB must investigate It, Im going to the same branch in few hours but why this is happening, Investigate if there other government agencies that i can file complaints please let me know also. 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 monetary relief
Consumer complaint received 2018-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: OH

Complaint narrative:
I received background check information back from XXXX and noticed some information pertaining a felony misdemeanor. This information is completely inaccurate and I would like for it to be investigated and removed. Per search ID : XXXX State : OH/XXXX  it list record found for felony/misdemeanor but provides no information pertaining to a case. I have never had any criminal records, felonys or misdemeanors. My SSN has been flagged due to all federal government employees personal information and SSN compromised. I would like to know how to move forward to dispute this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation
State: MO

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX was paid {$200.00} by XXXX XXXX XXXX XXXX from my banking account. XXXX  states they have no proof of that transaction. I contacted XXXX XXXX XXXX XXXX which faxed a bank Affidavit which contained the date the check was paid. The Affidavit was faxed to the fax number provided by XXXX. Despite the Affidavit, XXXX has instructed me to send them a copy of my bank statement. I refuse to send my bank statement to the XXXX  because it would be an invasion of my privacy. According to the Federal Trade Commission XXXX can request proof of payment which my bank has provided. I received a letter from XXXX dated XX/XX/XXXX stating my dispute appears to be invalid. I have failed a lawsuit against XXXX and will appear in court on XX/XX/XXXX. Upon conducting an online search with regards to XXXX, it appears XXXX has received consumer complaints alleging violations of the Fair Debt Collections Practices Act ( FDCPA ), including making false and misleading statements in an effort to collect a debt and failing to verify debts. In XXXX, XXXX XXXX XXXX XXXX XXXX. agreed to pay {$3.00} million to settle Federal Trade Commission charges that they violated the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: FL

Complaint narrative:
On XX/XX/XXXX, I disputed the following accounts below and Transunion told me the accounts were verified as accurate. However The " DATE UPDATED " DID NOT CHANGE. It appears that no investigation was actually done. ALSO TRANSUNION DID NOT PROVIDE WITH " NO METHOLD OF VERIFICATION ''. I am asking for Deletion because Transunion did not follow the procedure as outlined in the FCRA '' AND THEY ARE VIOLATING THE LAW. 

XXXX XXXX XXXX DOCKET # XXXX DATE UPDATED XX/XX/XXXX DID NOT CHANGE, courts don't verify Public Record, please provide me with person, who you spoken to. 

XXXX XXXX # XXXX, Date Updated XX/XX/XXXX did not change XXXX XXXX # XXXX Dated update XX/XX/XXXX did not change XXXX # XXXX ' date updateD XX/XX/XXXX did not change XXXX XXXX # XXXX date opened XX/XX/XXXX Date updated XX/XX/XXXX did not change XXXX XXXX # XXXX, date updated XX/XX/XXXX did not change XXXX XXXX # XXXX, date update XX/XX/XXXX did not change XXXX XXXX # XXXX Date updateD XX/XX/XXXX did not change XXXX XXXX # XXXX, DATE UPDATED XX/XX/XXXX DID NOT CHANGE

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 2018-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CrossCheck, Inc.
State: WI

Complaint narrative:
Their were hard inquiries since XXXX to XXXX which I never gave permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: PA

Complaint narrative:
They repossed my car for $ XXXXGranted I know I was late for XXXX payment. I am the only invome in my household. My fiance had to quit her job to take care of our XXXX year old baby that has special needs. When I called them I said I paid {$530.00} in XX/XX/2018 how am I late. She said there was still {$35.00} that was 50 days past due? Once again I asked her how when I gave them {$530.00} in XXXX she couldn't give me an answer. Now they tell me I gota pay {$960.00} to get my car back..I don't have that kinda of money and I was never notified that I still owed {$35.00} on my overdue charges. They repossed my car for late fees? Like I said I paid {$530.00} in XXXX how is there any fees? Can you help please. I have all bank records and I have told the repeatedly my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Specifically on XX/XX/18 at XXXX XXXX I called Chase bank to cancel a ( {$1500.00} ) check I sent out to California the day prior, I spoke to a male representative and he read me the disclosure and told me it would be a {$30.00} charge to cancel the check. I gave him all the information he requested ex : amount and who would be trying to cash the check, the representative assured me everything was taken care of. On XX/XX/18 the check was cashed, I called Chase immediately and I spoke to ( 3 ) different representatives calling me a liar, they said I DIDN'T call and that everything is recorded. I finally was able to speak to someone that would be able to pull the phone call and after an hour of talking to their representatives she agreed and apologized, she let me know that I had done everything correct and that the representative never put a stop on the check and all I got as an I'm sorry. She also advised me to run to the nearest branch and fill out an NSSF-OD Form which I did, it got denied because it was cashed 1 business day ago. This is completely unacceptable and I can not believe they are not trying to help me after their employees made such a terrible mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates, LLC sent me a letter stating that I owed them {$5300.00}. I do not have any credit relationship with these individuals or company and would like to have them refrain from contacting me. The letter they sent was dated XX/XX/2018. 

I also received a letter from the same Portfolio Recovery Associates, LLC dated XX/XX/2018. In this letter the company stated that I owed them {$1800.00}. I do not have any credit relationship with these individuals or company and would like to have them refrain from contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25 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: NH

Complaint narrative:
I have a car loan through XXXX XXXX. I recently realized they incorrectly reported me late for XXXX, XXXX, XXXX, XXXX and XXXX XXXX. I submitted a complaint and requested they correct their error. I enclosed the relevant payment history which shows I was never late. XXXX responded by adding 6 months of alleged late payments. My report now shows me being late for 10 months when I have never been late on the account. The first 4 were the result of XXXX not properly crediting my first payment. The addition of the last six months can only be defined as intentional harassment. I not only never went 30 days late on any payment I have paid more than required every month. I am most furious about the claim my account was late from XXXX through XX/XX/XXXX including a claim I was 60 days late in XXXX. I sincerely want to receive the {$1000.00} for each offense pursuant to FCRA. The letter I sent to the agencies and XXXX is attached as are the payment history from XXXX 's own website and a copy of the credit report submitted by XXXX. The original complaint and XXXX 's payment history show I was never late. Had XXXX properly recorded the first payment made XX/XX/XXXX there would be no issue.

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 2018-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The purpose of this is to express my extreme dissatisfaction with Chase 's claims and customer service department. On XX/XX/XXXX I was fooled into sending {$400.00} through XXXX to an unknown individual in exchange for football tickets. It ended being a scam and even after contacting the claims department within 30 minutes of sending the money it could not be canceled/reversed. I found out that transactions done through XXXX are legitimate and are not covered by Chase. I have contacted them by phone several times and each time same answer there's nothing they can do. I was also told by a supervisor in the claims department that the steps taken by CHASE to look into my claim could not be discussed. I have been a customer for nearly 15 years, I have grown my account by adding two credit cards and a mortgage, in addition to having a premier checking and savings account with over {$50000.00} and there is nothing they can do for such a customer? This is my first time ever submitting a claim and it's extremely aggravating that they can not back me up this one time. Now they're saying they can not do anything because the case is closed ( it's only been a month since it happened. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The current balance doesnt match the charges. I might be getting charged double at the gas station.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
This morning ( XX/XX/2018 ) I was notified by XXXX XXXX that there was a hard inquiry on my XXXX credit report from PayPal ( shows up as SYNCB/PPC ). I did not apply for credit through PayPal or authorize any kind of credit check from them. I tried calling PayPal, but they have no record of an a credit account so they couldn't help me. I want this hard inquiry taken off of my report because I didn't authorize them to check my credit for anything and it's negatively affecting my credit score.

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