vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY PULLED A CREDIT REPORT AND NOTICED SEVERAL ITEMS THAT DID NOT BELONG TO ME. THERE WAS A XXXX ACCOUNT(XXXX) WITH A BALANCE OF $XXXX, XXXX(XXXX), XXXX XXXX   (XXXX) WITH A BALANCE OF $XXXX, A BANKRUPTCY (ref # XXXX/COURT: Us bkpt ct ca la), AND A HOST OF CREDIT INQUIRIES IN THE INQUIRIES SECTION OF THE CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THESE FRAUDULENT ITEMS BUT WAS TOLD I NEEDED A POLICE REPORT TO EVEN GET INFORMATION ABOUT THE ACCOUNTS FROM THE CREDITORS.  I HAVE GOTTEN A POLICE REPORT AND I AM FILING THIS AFFIDAVIT TO HELP CLEAR THESE ITEMS FROM MY REPORT. i HAVE NOT PURSUED CREDIT WITH ANY OF THE COMPANIES LISTED ABOVE NOR HAVE I GIVEN ANYONE PERMISSION TO USE MY INFORMATION IN THE PURSUIT OF 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 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY PULLED A CREDIT REPORT AND NOTICED SEVERAL ITEMS THAT DID NOT BELONG TO ME. THERE WAS A XXXX ACCOUNT(XXXXXXXXX) WITH A BALANCE OF $XXXX, XXXX(XXXXXXXXXXX), XXXX XXXX   (XXXXXXXXXX), A BANKRUPTCY (ref # XXXXsb/COURT: Us bkpt ct ca la),I HAVE NEVER FILED FOR BANKRUPTCY NOT SURE HOW THIS INFORMATION BECAME ATTACHED TO MY FILE BUT IT IS WRONG. THOSE OTHER ITEMS LISTED ARE ON MY REPORT AS A RESULT OF ID THEFT SO I AM ASSUMING THIS BANKRUPTCY IS A PART OF ALL THAT.

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 2019-03-27 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
There are accounts from student loans on my credit report that is stopping me from getting credit or housing. I have contacted each credit reporting agency and requested that the accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY PULLED A CREDIT REPORT AND NOTICED SEVERAL ITEMS THAT DID NOT BELONG TO ME. THERE WAS A XXXX ACCOUNT(XXXX) WITH A BALANCE OF $XXXX, XXXX(XXXX), XXXX XXXX   (XXXX), A BANKRUPTCY (ref # XXXX/COURT: Us bkpt ct ca la),I HAVE NEVER FILED FOR BANKRUPTCY NOT SURE HOW THIS INFORMATION BECAME ATTACHED TO MY FILE BUT IT IS WRONG. THOSE OTHER ITEMS LISTED ARE ON MY REPORT AS A RESULT OF ID THEFT SO I AM ASSUMING THIS BANKRUPTCY IS A PART OF ALL THAT.

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 2019-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
We Purchased a new Insurance for our home. Loancare has had money sitting in an Escrow account for over a year and keep reporting us late and adding fees onto our 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 explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Couple of months ago I found out a bankruptcy on my credit reports dating back to XX/XX/2010 which is falls/fraudulent information. I did report about this to the Federal Trade Commission and have sent all the copies to the credit bureaus with a request to block the fraudulent / incorrect reporting on my credit reports, but they didn't bother to do a proper investigation and they continued to report the incorrect/fraudulent information on my reports.

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 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
select portfolio servicicng took over after my bankruptcy in XX/XX/XXXX ... ..trying to do a mortage assist with them since XX/XX/XXXX ... ..recievin different information that was needed by the mortage company ( select port servcing ) Now, XX/XX/XXXX, asking for more paperwork, that submitted in XX/XX/XXXX, again ... ..since 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 2019-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX in the late afternoon or early evening my boss took me to check out at ad for XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Telephone number is XXXX. I called before going and was told that some of the cars from the current ad where still there. When we arrived in a matter of minutes all the cars were gone so I picked another vehicle. I filled out the credit application and was told that I needed a co-signer ... or they would carry me with more down. I asked at that point if that would require another credit check? I was lied to. I was told not to worry that all inquiries are soft until approval then it would be more detailed at contract signing. I went home to get more money and in checking my credit report I discovered that their credit department ran my credit 5 times with agencies I never approved of. They even tried with my own bank without my permission. This tactic of lying, confusing and misleading advertising and marketing is high-pressure sales without concern for the consumer so now that I was deceived I refused to go back to XXXX XXXX XXXX with my {$3000.00}. Because I never bought the car from them now my credit report reflects a flat out denial when I could have bought the car. I called several times and nobody would come to the phone nor call me back ...!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Keep reporting a payment past due and has never been late. Put all kinds os fees on here and turned it over for Forclosure. Then got stuck with all the Forclosure fees, when this should of never happened in the first place. Never missed a payment with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: NV

Complaint narrative:
I asked to put the company in my debt management consolidation loan company and they said they don't work with those companies. The loan is allot higher than I expected. I'm working with XXXX to pay my debt off. Amplify won't work with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Couple of months ago I found out a bankruptcy on my credit reports dating back to XX/XX/2010 which is falls/fraudulent information. I did report about this to the Federal Trade Commission and have sent all the copies to the credit bureaus with a request to block the fraudulent / incorrect reporting on my credit reports, but they didn't bother to do a proper investigation and they continued to report the incorrect/fraudulent information on my reports.

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 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Couple of months ago I found out a bankruptcy on my credit reports dating back to XX/XX/2010 which is falls/fraudulent information. I did report about this to the Federal Trade Commission and have sent all the copies to the credit bureaus with a request to block the fraudulent / incorrect reporting on my credit reports, but they didn't bother to do a proper investigation and they continued to report the incorrect/fraudulent information on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I was threatened with a lawsuit so I called this company whom I have previously paid other debts too. They agreed to biweekly payments. Debt was paid I have all my bank stayements showing the dates of payment to this debt. After it was paid I got a XXXX $ balance reflection and then the next month they rebilled me for the FULL AMOUNT again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
I used this new app call Xoom, an extension of XXXX for international transfer. I transferred XXXX $ from my XXXX bank account to my daughter XXXX account, she is a student there, the fund were debited from my account but never credited to hers. Its been 3 weeks of back & forth, they show me some sort of proof of credit in her account but she never got anything. Per their request, I have been sending them her bank statements showing that its not there, I did it 3 times already, but each time they got back to the same generic email, saying that its been delivered!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/2019, and XX/XX/2019, and XX/XX/2019, I have submitted multiple disputes about hard inquires to Transunion and they have refused to investigate or remove they are clearly violating the law. All they keep sending is it has to be XXXX years without even looking into it they would send the same letter every two weeks so I would resend the dispute

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 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had an account with XXXX XXXX XXXX  and the company sent me to collection. I paid the account with the collection agency ( XXXX XXXX XXXX XXXX ) on XX/XX/2018 in the amount of XXXX XXXX XXXX XXXX  did not report the account as settled in full after I paid the collection agency on XX/XX/XXXX, XXXX XXXX XXXX XXXX   did not report anything on the account for several months until after I did a dispute with the credit bureau then the company report the account as a charge off on XX/XX/XXXX.. Unfair business practices due to me paying the debts and they still report the debt on the credit even after I notified them and sent them proof of the payment. They even confirmed verbally with me that they would not update even though they acknowledge payment.

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 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
on XX/XX/XXXX, i contacted XXXX XXXX. regarding there ability to not update Equifax about the debt that is not belonging to me. I spoke to XXXX a Representative, then spoke to Supervisor by XXXX, in which she in formed me they had removed this debt and sent info to the credit reporting agencies. On XX/XX/XXXX i called back and spoke to a rep XXXX, and let her know i never received the letter in the mail, the letter they were supposed to send to me regarding the removal, XXXX on my credit reports. on XX/XX/XXXX i faxed over a copy of a police report # 2018-02962, regarding my identity theft, along with a letter requesting removal and a copy of my security card to equifax at 1888-826-0598 from XXXX XXXX at XXXX from fax # XXXX store tel. # XXXX Ser # XXXX. this is the conformation that the faxed had been received. This Creditor along with as follows : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. has not been properly removed or updated wtih equifax or XXXX but had been updated and removed as of XX/XX/XXXX with XXXX credit bureau. on XX/XX/XXXX i spoke to Deputy XXXX XXXX ( XXXX ) XXXX-XXXX ext XXXX with the XXXX Ohio Sheriff Department whom was present when a call was placed on speaker with XXXX, in which the representative, XXXX stated they will remove from report and send letter to support actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc.
State: CA

Complaint narrative:
I have no idea who they are, why they are calling or anything about any debt I owe. I have already filed a complaint about this at which time they claimed to be validating the debt. To date I have not seen one peace of proof that I owe anything, who I owe it to or why they are sending repeated robocalls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express Settlement amount was {$8400.00} Paid in less than {$1500.00} received letter from American Express if I pay {$48.00} it will be full and final paid of last {$1500.00}. 

I paid full an final demand via cashiers check. 
American Express started collecting and started harassment after full and final paid as per request. 
My credit has been destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XX/XX/2019 my check no. XXXX, in the amount of {$300.00} was posted to my escrow account with WELLS FARGO. I received an escrow review statement in the mail mid XXXX regarding a shortage of my escrow account of {$260.00}. I called the Wells Fargo Mortgage XXXX XX/XX/2019 and was transferred three times, because of inconsistency responses of each banker representative. I informed them the escrow statement I received now is being referred to as a projected analysis, nevertheless its misleading to the homeowners. The last person I dealt with was XXXX XXXX and basically in a nutshell she stated for me to pay the contractual payment initiating on XX/XX/2019 in the amount of {$2000.00}. I explained to her I see the shortage of my escrow because I changed my homeowners insurance policy. Albeit, the extra hidden {$280.00}, does not justify, when my property taxes fees remain the same. 
Well Fargo should of ask for {$540.00}, but they could not justify, so they create numbers that is not reality. 
Wells Fargo continues to be a corporation of false and misleading information to their customers. I have {$260.00} displayed over three documents, in bold writing about the escrow shortage. 
Clearly misrepresentation and false information and bogus so-called projected analysis basically more fees to cover corporation fraudulent practices at consumers expenses.

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 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I filed a claim with SunTrust bank on XX/XX/2019 after I realized an unauthorized debit from my checking account of {$510.00} from XXXX dated on XX/XX/2019. I received an email on XX/XX/2019 stating that I would receive a temporary credit while the claim was being looked into. On XX/XX/2019 I received an email from a fraud investigator asking to contact them by phone. After trying to reach them multiple times I spoke to a representative in the fraud department only to find out the claim was still under review. I offered to give them my XXXX statements showing that no debit/payment could be found, I was never given any information on how to proceed and waited to get information on how to proceed. XX/XX/2019 I was emailed stating that my claim was denied and that the temporary credit would be reversed on XX/XX/2019. I immediately requested documents on why it was denied so that I could proceed with the rebuttal but was given little information. On XX/XX/2019 I went to my local branch to get more information on why my claim had been denied. The associate said that XXXX claimed I had authorized the charge. I filled out my rebuttal form and faxed it from the local branch. I felt that Suntrust could not give the proper documentation on why my claim was denied and how to get this resolved. On XXXX XXXX I called XXXX to see if it could be resolved on their end but was told by the representative that they have no record of Suntrust contacting them regarding my claim. I have documentation of emails from Suntrust and my XXXX statements and would like to get this resolved as soon as possible.

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 2019-03-27 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: Credit Karma, LLC
State: TX

Complaint narrative:
credit karma you are reporting account resolution service on my credit report by XXXX enclosed is there letter stating it is not reported REMOVE THIS ACCOUNT AT ONCE YOU ARE # IN VIOLATION OF FCRA enclosed copy of report 5 days from the time you receive this dispute to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
XXXX XX/XX/XXXX I hold a Government Travel Card. I filed a voucher and had a credit of over $ XXXX to transfer to my account. Citi has a policy of not allowing a balance transfer for 10 days on their website. When I used a chatbot/customer service, every attempt at obfuscation, delay, etc, was thrown at me to prevent transferring the balance sooner. When I asked for an exception to policy, the chatbot or person used weasely phraseology, " Unfortunately, I am unable to make an exception. I apologize, '' which while true as she's or it is not empowered to do so, I had to elevate and ask who would. After that, I was sent paperwork to fill out. I was informed that it would take 2-3 business days to complete. I asked if there were any legal or technical reasons for the delay or if it was company policy, I was told it was policy and that an exception to that could not be made. I replied that they've transferred to my bank before, that there is nothing to verify that would take 2-3 business days. 

While possibly not illegal, I feel it is highly unethical. I detest being compelled by the government to use a card I didn't ask for and for which the government receives a kickback.

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 2019-03-27 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I called on XX/XX/2019 at approximately XXXX to request the reason for not receiving my dispute results in a timely fashion. The representative verified the information was not sent out and my address was not updated from my disputed correspondence. I asked the representative if they could send out the updated results from the investigation from XX/XX/2019 and she would not resend documents without copies of my ID that they already have on file from previous paperwork.

Company response to consumer: Closed with explanation