vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-08 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: GA

Complaint narrative:
I have contacted Transunion of several attempts about accounts that was reported to them. As I have been a victim of fraud and identity theft, I have also sent them several copies of a police report asking for them to remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX These following accounts are fraudulent and does not belong to me I have also asked that all XXXX inquiries be removed due to them being unauthorized

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 2017-10-08 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: CO

Complaint narrative:
XXXX XXXX has an account listed on my XXXX and Equifax credit reports. The XXXX report does not have a recent balance but noted as paid. The Equifax report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from XXXX XXXX. The Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NH

Complaint narrative:
This company does not care about its loan Borrowers. Their website is terrible you can not sign in I called them to resolve it and I still ca n't sign in. I do n't even have public loan forgiveness anymore so I should be transferred elsewhere and they could n't be bothered either way. I believe I received incorrect information from the customer service. And I am incurrening interest while trying to pay these bills down due to the negligence. I also use their email to contact them to complain and never received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear CFPB : In XXXX, I thought that my personal information ( especially SSN ) may have been compromised, so I looked for a company that could monitor my personal information. I found TrustedID and signed up for a reasonable plan that covered my family for {$160.00} annually. I provided also sorts of personal information so that TrustedId could monitor against that information and warn me of any issues. It also offered {$1.00} XXXX in identity theft protection. 
For the first few years, I was happy with TrustedID 's service. I could check my on-line risk to see whether my personal information was exposed on-line in a risky way. For the first few years, TrustedID 's on-line risk assessment indicated my risk was low, and the occasional review helped me to reduce my risk. 
Then maybe 4-5 years ago, the assessment began to indicate that my risk was at the highest level. It was not clear how or why that happened. Did a better assessment method reveal places where my information had always been exposed? Was the assessment completely false? As I recall, TrustedId offered me services for a fee to have my information removed from those sites. Instead I asked the sites that exposed my information, in accordance with their procedures, to remove my information. Doing that never seemed to lower the result ( the highest risk level ) of TrustedID 's risk assessment. I grew unhappy with the service, not knowing whether TrustedID was taking my annual fee and providing nothing real in return. ( In retrospect, I think that it might have been doing exactly that. ) Only earlier this year in XXXX did I decide to cancel my TrustedID subscription. On XX/XX/XXXX, TrustedID refunded {$54.00} of my unused annual fee. If I knew that Equifax owned TrustedID, I certainly forgot that until the recent news of Equifax 's data breach. News of the breach and subsequent revelations have got me thinking that maybe TrustedID HAD BEEN taking my annual fee and providing nothing real in return. I am wondering whether the CFPB has received similar complaints or concerns about TrustedID. If so and the concerns are true, I think that I should be entitled to receive a refund from TrustedID totalling my net annual fees paid for the past five years. Any assistance that the CFPB could provide on this matter would be greatly appreciated. Thank you very much. I look forward hearing back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: AL

Complaint narrative:
My issue started when I made my {$930.00} rent payment for the month of XX/2016 using my XXXXX The payment went through and I received my confirmation number. A few days later I went in to check my balance and found that the payment appeared to post multiple times to my account, placing my account in a negative balance. Upon verifying the payment amount with my property manager, I immediately submitted a dispute with XXXX to resolve the matter. I submitted documentation from the property manager to XXXX to support the dispute. During this time, my child support deposit for for {$950.00} in XXXX was held ( due to the " negative '' balance ) pending the dispute. The dispute was subsequently approved and the rent payment was reversed from my property manager and I was issued a credit for amount paid in rent, which should have cleared the account to a zero negative balance and releasing my XXXX XXXX XXXX deposit. I have yet tor receive my XXXX deposit. I have been give a runaround for months, even being asked to send in a written request to release the deposit and to also reopen the dispute twice to no resolve. I have requested more than 10 times to get confirmation of the events that are taking place to resolve the matter and also get transaction statements. I have been unsuccessful in each attempt. Each time I call the customer service line to get an update a fee is added to the account. The customer service representatives never know what is going on and I have to explain the issue again every call. I have been told various timeframes in which I will receive my {$950.00} credit, but the credit never gets released. The issue has been " escalated to management '' several times. I am now in my 10th month of waiting on my money to be returned. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: First Data Corporation
State: MT

Complaint narrative:
a check cashing service company used by XXXX XXXX declined my check i asked why was told it was not for insufficient funds it was based on risk factors we had a insufficient check a while back that was paid in full right away yet are check writing history was deleted out of the system we have no problems any where else and we can not get a reasonable answer from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Hi, we total losses a car end of XXXX XXXX, however the car lease payment was set up in early XXXX, so out of common sense we called to cancel the auto pay- there is no reason to pay a loan for a car that was total losssed. 

Our car insurance company worked with Toyota GAP insurance to pay off the full balance on the car- however as of today, toyota financial service have been harassing me by leaving phone message saying how urgent this issue is, and sending me mail by threatening g to sue me. 

Most ridiculously, they asked me to send back the lien release- I never even got it yet! 

This is insane and it seriously disturbed my life, we have suffered enough from the car accident, and now we have to face their harassment. 

Please help stop these nasty people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Schreiber Law LLC
State: MA

Complaint narrative:
I have attempted to settle a debt that was owed several times. All of my attempts were either ignored or rejected. I was sued for a much higher amount than I owed because they kept on accruing interest after I had made several attempts to settle or to arrange a monthly payment plan that I can afford. They brought me to court and I had no representation and did not know what I was doing at all. They bamboozled me into accepting a monthly payment plan based on an inflated figure and the payment is more than I can afford per month. I will be paying this debt forever while they collect money on a debt that I do not owe the full amount for. It is wrong and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: United PanAm Financial Corp.
State: CO

Complaint narrative:
United Auto has an account listed on my XXXX and XXXX credit reports. The XXXX report does not have a recent balance but noted as paid. The XXXX report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from United Auto. The  Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: CO

Complaint narrative:
XXXX XXXX has an account listed on my Experian and XXXX credit reports. The Experian report does not have a recent balance but noted as paid. The XXXX report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from XXXX XXXX. The Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit 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 2017-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I have attempted to settle a debt that was owed several times. All of my attempts were either ignored or rejected. I was sued for a much higher amount than I owed because they kept on accruing interest after I had made several attempts to settle or to arrange a monthly payment plan that I can afford. They brought me to court and I had no representation and did not know what I was doing at all. They bamboozled me into accepting a monthly payment plan based on an inflated figure and the payment is more than I can afford per month. I will be paying this debt forever while they collect money on a debt that I do not owe the full amount for. It is wrong and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
There have been numerous times where chase chooses to pay larger amounts instead charging the amounts in the order that they were purchased. In my specific situation I had the funds available when these smaller items were purchased. But Chase chooses to pay the larger amount first in order to be able to charge the customer overdraft fees for the smaller items that were purchased when funds were available. This is UPAAD ( for unfair deceptive or abusive acts or practices ), which I believe Chase is in violation of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capitol One sold my account to XXXX XXXX XXXX, XXXX. I was not aware of my rights at the time when I first contacted Capitol One in regards to this debt. I now know that my rights are being violated under the Fair Credit Reporting Act. The collection agency that brought my account do not have an address for me to submit any information to in fact only their name appears on my credit report preventing me from defending myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I bought a used XXXX XXXX and XXXX said they would finance the loan. The car loan was denied by XXXX based on inability to confirm residence. It was automatically sold to Capital One without my consent. On the day I bought the car, the XXXX rep told me I could opt out of the Added XXXX XXXX agreements worth over {$3200.00} I was not told : 1. That I would pay interest on the maintenance agreement 2 ) that the auto loan woul be automatically transferred to Capital One ( instead of my Own Credit Union 3 ) that I would be paying {$3000.00} more plus finance charges because the transactions decision to transfer the loan was made automatically WITHOUT my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a letter from Santander Bank saying that they approved a card application that I submitted. I had never submitted an application for a credit card from them! They also said that they had received a credit report on me that I had not approved them to get. I do not even have an account with Santander bank. Either someone is using my name and address to get a credit card or the bank is trying to get me to charge money on a card of theirs. 
The letter was dated XX/XX/2017. They say the application number was XXXX There was no signature on the letter only Santander Bank, N. A.

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 2017-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: OH

Complaint narrative:
I have reviewed my Credit report and found an account unrecognized items from your office G C SERVICES. I do n't remember doing any business or having having a contract for services with your company. Please forward me proof of contract or my signature etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX violated my rights under the Fair Credit Reporting Act. I did not know that I had a right to dispute this debt. I do not owe this debt because I do not have a contract with this company. My account was sold to them therefore I do not owe any money as I did not sign anything with them therefore they can not collect any money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I was in XXXX XXXX and was approached by a sales rep that said he worked for XXXX XXXX by the name of XXXX XXXX. He told me about a few specials they were having with their service so after a couple of hours of being in the store I finally decided to get the service it was a bundle package with the internet. I was told that XXXX XXXX XXXX merged with them. I was not told that XXXX XXXX XXXX was going to pull my credit as well as them. I was told in the beginning that only XXXX XXXX would run it but afterwards i get a notification that XXXX XXXX XXXX ran my credit not just one time but they ran it 3 times. each time i called to find out what was going on they ran my credit and instead of removing it from my Credit report they informed me to just dispute the inquiries because I did n't authorization nobody at their company to run My credit 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I have contacted XXXX XXXX and have obtain proof that XXXX XXXX has paid this bill according to the contact enclosed is the form that was sent to me. I advised this collection agency the same information and they still place account against my credit. I feel this collection agency violated rules and regulation and should be punished to the full extent of the law this collection agency CEO and staff feel there above the law and do not have to obey rules. Rules and laws are there for everyone to obey, and what XXXX XXXX XXXX have done in this action is with disregarding all rules place by the Fair Debt Credit Act and should be fined. Enclosed is the verification that XXXX XXXX has sent me that the account is only XXXX invoice for {$1500.00} however again violating Fair Debt Credit Act Ability Recovery Service placed XXXX account same opened date of XXXX/XXXX/XXXX and same amount of {$1500.00} and same company which is XXXX XXXX XXXX XXXX. This bill to XXXX XXXX XXXX XXXX were paid in full. XXXX enclosed payment verification. I will also be filing complaint against XXXX XXXX XXXX XXXX to XXXX for the stress that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have placed on a person with XXXX XXXX, XXXX, and XXXX XXXX and XXXX XXXX replacement. 
Because of the stress your agency has caused me with the phone call and letters although I told your collector that this bill was paid with amount and date payment was paid to XXXX XXXX XXXX XXXX and faxed a verification of the payment to XXXX XXXX XXXX and they failed to call their client and verify the information. 
Your agency and your client XXXX XXXX XXXX XXXX has caused me to get readmitted. I will also speak to the XXXX XXXX for Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: LA

Complaint narrative:
There is an address in my credit score that Ive never lived at. Ive never lived in California and i dont know how my address has changed from XX/XX/XXXX-XX/XX/XXXX, because I still live down south at my most recent location!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
1. Changed CD interest payment dates in the past from 15th to 14th, in order to short change us in the upcoming payment. 

2. Made my husband look like, he owns XXXX XXXX XXXX. 

3. There are two CD maturity dates, CPO 360 insists the wrong date is the right one. 

4. Falsified records and changed the rule whenever they wanted. 

5. My website does n't look like bank website. 

There are a lot more, but I will let my report speaks for itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TARGET/TB BANK REFUSES TO REAGED MY ACCOUNT AFTER ACCEPTING A PROPSAL ON XXXX XXXX, XXXX FROM MY DEBT MANAGEMENT PROGRAM XXXX XXXX XXXX XXXX. THEY CONTINUE TO REPORT LATE PAMENTS 30 DAYS FOR XXXX XXXX AND XXXX XXXX TO ALL THREE CREDIT REPORTING BUEARUS. I HAVE DISPUTED THIS WITH THE CREDIT REPORTING BUREAUS AND TARGET/TD BANK. WITH NO POSITIVE RESULTS. 
IN ADDITION, TARGET/TD BANK RECEIVED PAYMENTS ON XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX XXXX, XXXX AND STILL CONTINUES TO REPORT 30 DAYS LATE PAYMENTS FOR XXXX XXXX AND XXXX XXXX. I HAVE PROVIDED DOCMENTED PROOF OF PAYMENTS MADE FOR THOSE MONTH BY XXXX XXXX XXXX XXXX AND RECENT LETTERS FROM TARGET STATING THAT THE INFORMATION REPORTED TO THE CREDIT REPORTING AGNECIES IS CORRECT. I CAN UNDERSTAND IF NO PAYMENTS WERE MADE, THEN I WOULD ACCEPT BEING REPORTED 30 DAYS LATE FOR THOSE MONTHS REPORTED, BUT PAYMENTS WERE RECEIVED BY TARGET, AND TARGET STILL REPORTED 30 DAYS LATE FOR XXXX XXXX AND XXXX XXXX, THIS IS UNFAIR. I HAVE ALSO ATTACHED A COPY OF THE AGREEMENXXXX XXXX XXXX XXXX XXXX MADE WITH TARGET/TD BANK WHEN THEY ACCEPTED THE PROPSAL ON XXXX XXXX, XXXX THAT STATES AT THE BOTTOM THAT THE ACCOUNT WOULD BE REAGED AFTEER THREE ( 3 ) CONSECUTIVE PAYMENTS. I HAVE ATTACHED 9 PAGES OF DOCUMENTATION TO SUPPORT MY CLAIM.

Company response to consumer: Closed with explanation