vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
A new credit card was established around the beginning of XXXX and one transaction of {$32.00} on the XXXX statement. The statement address was incorrect and no statements were received. Multiple late charges and interest amounts were assessed to the account. 

On XX/XX/XXXX, I was made aware of the situation and I called in and paid the {$32.00} amount that was charged. In addition, the representative in collections waived all of the late and interest charges on the account. The account was paid in full by the XX/XX/XXXX due date. On XX/XX/XXXX when the next statement closed, there was a {$29.00} late fee that was unjustly charged because the balance was paid in full. Our understanding was that the account was paid in full. The address was still not corrected. 

We called back on XX/XX/XXXX and spoke with XXXX at US Bank  and he said that not all of the charges were waived like we thought. He said could not waive the other late fees and additional late charges, even after explaining the situation. We still haven't received a statement, but found the statement online. They are charging additional late fees without any justification.

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 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PNC Bank N.A.
State: LA

Complaint narrative:
DEPARTMENT OF JUSTICE [ XXXX Order No. XXXX ] Privacy Act of 1974 ; System of Records Pursuant to the provisions of the Privacy Act of 1974 ( 5 U.S.C. 552a ), notice is given that the Department of Justice proposes to establish a new Department-wide system of records entitled Correspondence Management systems ( CMS ) for the Department of Justice ( DOJ ),  DOJ/003. Most components of the Department maintain and operate their own correspondence tracking systems. There has been no change in the operation of component systems. Rather, this notice of a new system of records replaces most Privacy Act notices already published by components for existing systems, and it also provides notice for components that have not yet published a notice for such records. Because this is a Department-wide systems notice, it is broader than most correspondence tracking systems operated by individual

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: SCA Collections, Inc.
State: GA

Complaint narrative:
I am contacting you in dispute of the below collection agency, recently the credit bureaus determined this account was correct despite my dispute for the health care agencies reasons listed below. To date these negative accounts are appearing on my credit report. In my opinion these were unfair or deceptive business practices. The billing person ( s ) failed to process these medical bills in accordance to the Office of Workers Compensation/Bill Processing, neither did they contact me to utilize my secondary insurance once the bills were denied payment. 
XXXX XXXX XXXX XXXX SCA Collections ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( Collecting for 2 ) XXXX, NC

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 2019-10-30 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: FL

Complaint narrative:
Experian and XXXX  continue to report negative fraudulent information on my credit report. They are in violation of the FCRA.

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 2019-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MN

Complaint narrative:
I recently refinanced my student loans and paid AES in full. In fact I even overpaid, this is covered in my physical copies of paid in full statements from them. They erroneously and without my consent or knowledge sent some money back to the refinance company. I was not made aware of this, they just billed me for it. 

I was only made aware when they called to claim I was late on my account. I told them this was not possible and only due to my additional calls and requests found out that they sent money to the third party. They are charging me a late fee and interest along with threatening a negative reporting on my credit. 

I have had to contact them on more than 6 occasions over a week and spend hours talking with them. They tried to collect money from my mother ( cosigner ) and have hung up on her and I repeatedly. They refuse to handle their mistake on their own and are holding me liable for their choice to send money without my consent. They told me the only way I will not have a negative credit report is if I immediately pay them the amount they sent off to the third party along with their fees/interest. 

I told them I was willing to pay the amount they sent to my refinancing company as it was applied to my principal ( even though they have wasted much more than that amount in my time ) but I find it utterly insane that I am somehow liable for any fees that have come about actions that were not mine.This is even more infuriating because they did not even try to bring this up with me to work it out. 

Why am I even involved? Why could they not just handle this situation themselves? Why did they think the best course of action was to just hold me liable, charge me additional fees and interest and then follow it up with holding my ( and my cosigner 's ) credit hostage? 

I have recorded my calls with them ( I've also informed them that I was recording ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
For the past several months, I have been in constant contact with Experian with regards to fraudently placed accounts on my file. I have sent multiple police reports, FTC reports, and military deployment orders, however, these oulstanding accounts still exists. These accounts include USAA ( amounts : {$6300.00}, $ {$25000.00}, {$29000.00}, {$20000.00}, {$38000.00}, {$63000.00}, {$47000.00}, {$2200.00}, {$2800.00}, {$34000.00}, {$2800.00}, {$2200.00}, {$2200.00}, {$2000.00}, XXXX XXXX Bank XXXX {$130000.00} ) XXXX XXXX XXXX XXXX {$7300.00} ), XXXX ( {$59000.00} ) XXXX XXXX XXXX ( {$17000.00} ), XXXX ( {$16000.00} )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: DISCOVER BANK
State: CA

Complaint narrative:
For the past several months, I have been in constant contact with XXXX with regards to fraudently placed accounts on my file. I have sent multiple police reports, FTC reports, and military deployment orders, however, these oulstanding accounts still exists. These accounts include XXXX ( amounts : {$6300.00}, $ {$25000.00}, {$29000.00}, {$20000.00}, {$38000.00}, {$63000.00}, {$47000.00}, {$2200.00}, {$2800.00}, {$34000.00}, {$2800.00}, {$2200.00}, {$2200.00}, {$2000.00}, ) XXXX XXXX ( {$130000.00} ) XXXX XXXX XXXX ( {$7300.00} ), XXXX ( {$59000.00} ) XXXX XXXX XXXX  ( {$17000.00} ), Discover ( {$16000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
On XX/XX/XXXX all three credit reporting agencies XXXX, XXXX  and XXXX, noted a hard pull on my credit from XXXX XXXX/ Guaranteed Rate 1 ) I have made no such requests for a hard pull of my credit, online or otherwise. 2 ) I am an investigative journalist and was in Michigan in the midst of publishing an XX/XX/XXXX series on elder abuse https : XXXX so I would not have had the time to make such a request. 3 ) I am renting at present with no plans to purchase a home. 4 ) I have worked diligently to repair my credit following a XXXX bankruptcy. I, therefore, do not authorize hard pulls unless I intend to secure a new line of credit. 5 ) The hard pull on my report resulted in a two-point drop in my score at all three agencies. It will take until XX/XX/XXXX for this hard pull to no longer to affect my credit. I contacted all three credit agencies to file a dispute and they informed me I would need to reach out to Factual data directly. I did so on XX/XX/XXXX and was told by an abrasive customer service representative that they had no record of any of the banks or companies with which they do business requesting such a hard pull on my credit and that I " must have requested it online. '' When I told them that I had not, they informed me to take it up with Guaranteed Rate. After two days of going back and forth with a customer service rep. I received a call from XXXX XXXX on behalf of Guaranteed Rate. He informed me that none of Guaranteed Rate 's mortgage brokers had authorized such a pull and that it " happened online. '' When I informed him that I had made no such application, he replied " we get a lot of people saying that so it is company policy not to remove the inquiry '' ( basically inferring that I was lying. ) He added that even if I could prove I made no such action there was a " 99.9 percent chance we will do nothing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: FL

Complaint narrative:
XXXX  and Equifax continue to report negative fraudulent information on my credit report. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lobel repossessed the car that wasnt mine from the start I paid only XXXX on the car the dealer lied about my address because thats who got the tags and got my application excepted I didnt have XXXX to put down on the car the loan date was XX/XX/XXXX of 2019 the dealer didnt do the registration correctly I got all fix it tickets he withheld my new plates with tags he didnt smog the car and the contract wasnt real it was black n white printed made by him hes a private dealer diamond auto sales and he has ways of doing things and he failed me as a first time car buyer XXXX raised my payments as well the whole contract was fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FACTUAL DATA CORP.
State: IL

Complaint narrative:
On XX/XX/XXXX all three credit reporting agencies XXXX, XXXX  and XXXX, noted a hard pull on my credit from Factual Data/ XXXX XXXX 1 ) I have made no such requests for a hard pull of my credit, online or otherwise. 2 ) I am an XXXX XXXX and was in Michigan in the midst of XXXX an XX/XX/XXXX series on elder abuse XXXX XXXX   XXXX so I would not have had the time to make such a request. 3 ) I am renting at present with no plans to purchase a home. 4 ) I have worked diligently to repair my credit following a XXXX bankruptcy. I, therefore, do not authorize hard pulls unless I intend to secure a new line of credit. 5 ) The hard pull on my report resulted in a two-point drop in my score at all three agencies. It will take until XX/XX/XXXX for this hard pull to no longer to affect my credit. I contacted all three credit agencies to file a dispute and they informed me I would need to reach out to Factual data directly. I did so on XX/XX/XXXX and was told by an abrasive customer service representative that they had no record of any of the banks or companies with which they do business requesting such a hard pull on my credit and that I " must have requested it online. '' When I told them that I had not, they informed me to take it up with XXXX XXXX. After two days of going back and forth with a customer service rep. I received a call from XXXX XXXX on behalf of XXXX XXXX. He informed me that none of XXXX XXXX XXXX mortgage brokers had authorized such a pull and that it " happened online. '' When I informed him that I had made no such application, he replied " we get a lot of people saying that so it is company policy not to remove the inquiry '' ( basically inferring that I was lying. ) He added that even if I could prove I made no such action there was a " 99.9 percent chance we will do nothing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK
State: MN

Complaint narrative:
I started my bankruptcy procedure in XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, XXXX. Before the bankruptcy procedure I initially wanted to avoid the Bankruptcy due to the negative impact it would have on my credit rating in the long run, so in order to exercise other avenues I went with Consumer Credit Counseling of XXXX XXXX, Iowa.The approximate date was XX/XX/2019. Prior to this I initiated a Debt Settlement Plan with a company in Texas, that turned out to be fraudulent ( I sent them XXXX to procure a settlement lawyer ). Through research and a few unsettling problems with the company I decided to work with the XXXX XXXX XXXX XXXX in XXXX XXXX, Iowa. During this time my counselor was trying to work out my financial budget plan for repaying each creditor. He stated that Discover would not work with the monthly payments that we decided on, which I believe was approx. {$100.00}, they insisted on {$300.00} down and after that $ XXXX- {$150.00} approximately paid monthly. My counselor advised me that my best option would be to file bankruptcy. After that I received a summons ( on XXXX ) stating that I was being sued. I was not informed prior to the summons that Discover Card was in the process of suing me nor did I receive a warning by written decree within an amount of time that would be viable to act upon in order to resolve the issue. During my Bankruptcy filing I received another summons in the mail stating that a date was officially set for a court hearing ( a response would be needed from me before the court date was set ). So, in order to avoid going to court I decided it would be in my best interest for my protection to pay the full amount needed for the bankruptcy to be closed ( which was XXXX ),  then I was told by my lawyer that Discover would not take action any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial did not notify me that car owner for whom I co-signed was behind in payments. I only found out when my credit score declined by 130 points overnight. When I asked why I was never given notice, Ally gave me confused addresses and refused my offers to pay off the car owners loan.

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 2019-10-30 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: IL

Complaint narrative:
Company claims that I was in arrears in account for almost two years. This was a secured am card that I put up money for. There was an issue with some charges and payments. They would not respond. I never heard back from them, they never returned the money I put up for the card. 6 years later they put something on my credit report that had not been there before about me owing money. I was blocked from getting a loan for my last semester of graduate school. I called the company and was told they would not remove it. They told me that if I paid them a set amount that they would remove it from my credit and issue me a paid in full letter. I paid them even though they already had my money. I couldnt miss the loan window for school and I wanted to be done with them. Now they are reporting that I was in arrears for two years and those years the account wasnt even active. Nothing about the other six years I supposedly owed hem money because I didnt owe them money. I have disputed this I. My credit and they wont remove it. I have not paid a bill late in 10 years to any one and this is ruining my credit when they have been double paid and have not stuck to what they said they would do. I cant understand how a company can put something as current late on your credit when you havent done business with them in years. This account was opened in 2011 as a way to improve my credit or so they said. I have done everything and more then they have asked and they are ruining 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 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
DEPARTMENT OF JUSTICE XXXX XXXX Order No. XXXX ] Privacy Act of 1974 ; System of Records Pursuant to the provisions of the Privacy Act of 1974 ( 5 U.S.C. 552a ), notice is given that the Department of Justice proposes to establish a new Department-wide system of records entitled Correspondence Management systems ( CMS ) for the Department of Justice ( DOJ ), DOJ/003. Most components of the Department maintain and operate their own correspondence tracking systems. There has been no change in the operation of component systems. Rather, this notice of a new system of records replaces most Privacy Act notices already published by components for existing systems, and it also provides notice for components that have not yet published a notice for such records. Because this is a Department-wide systems notice, it is broader than most correspondence tracking systems operated by individual

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-10-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I paid in full through Paypal for a cruise and airfare that was cancelled on XX/XX/XXXX by the travel agency. XXXX XXXX XXXX promised full refunds that originally were set to pay out on XX/XX/XXXX. However, on XX/XX/XXXX, they changed the payout date to XX/XX/XXXX. On XX/XX/XXXX, I received an email that they were still working to process my refund and that I would receive a phone call with a Final Date and payout. On XX/XX/XXXX, after not receiving a phone call, I sent an email inquiring about the status and I have not received any further information. The transaction details are as follows : XX/XX/XXXX -- {$300.00} ( processed via paypal ) XX/XX/XXXX -- {$370.00} ( processed via paypal ) XX/XX/XXXX -- {$300.00} ( processed via paypal ) I am currently in the process of disputing the XX/XX/XXXX charge through paypal. However, the transactions that were made on XX/XX/XXXX and XX/XX/XXXX can not be disputed and were denied due to the fact that transactions have to be disputed within 180 days. The charges also can't be disputed through XXXX as I am outside their dispute window as well.

Company response to consumer: Closed with monetary relief