vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a loan with Wells Fargo back in XXXX on a vehicle. This is now XXXX and when I try to get the title on the vehicle it say that Wells Fargo name is still on the title. Wells Fargo state they sold my account to another company. The other company is not listed and it is still showing Wells Fargo which mean the company who they sold my account to has nothing to do with the title. I only want Wells Fargo to go ahead and release the title. It has been 15 years and I need to get rid of this car.

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 2019-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted Transunion MULTIPLE times in regards to XXXX XXXX  and the account they are reporting. I have submitted documentation and requested validation of debt and all they tell me is its validated but to not provide any proof. This account is showing TWO incorrect things ... 
1. This account is showing it is charged off/collections therefore it should not have a balance 2. I have not validated this account so reporting it on MY report is a 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 explanation
Consumer complaint received 2019-06-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Submitted a dispute online via Experian upload. I faxed in the same disputed to Equifax and I mailed one to XXXX. I tried the online and fax method thinking it would be quicker to get viewed, I wasn't able to set up my XXXX account info so I mailed it in. Its been more that 30 days, I called each bureaus and to my surprise, found out that each agency outsources their inbound calls to call centers around the world. I am not opposed to saving money so I understand it, but so much information of consumers has already been leaked, hacked, exposed in breaches and sold online, I would think that Americans personal and financial information would be more secured. I am a victim of identity theft, I am trying to get several accounts removed from my credit report, most of these accounts were opened when I was away in the military. I would like for the documents that I am attaching to be forwarded to the agencies for review and resolution.

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 2019-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
I sent {$100.00} thru WesternUnion to be pick up in minutes transfer number XXXX when the receiver went to pick it up they said I have to call and when I called they stay that this transfer violate theirs policy ... and i have to wait 7 business days in order to my money be credit to my account ... how is that fair if they never paid the transaction .... when I asked for the corporate number the representative left me in hold for more thats 25 minutes to give me the corporate number ... how is that fair for consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested Transunion MANY times for validation of proof for the XXXX/XXXX account on my credit report. They only submit it is validated and have yet to provide any proof of the account. I have yet to validate this account belongs to me therefore they are in violation of the FCRA and needs to be removed immediately

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 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019at XXXX XXXX XXXX., I e-mailed Citis customer service regarding their incorrect computation of interests charged on my credit card account. I asked that they provide me their own computations to arrive at the interest amount they are charging me for each statement. Citi has been computing interests incorrectly causing for them to overcharge customers accounts. 

For instance, based on the 15.24 % interest rate on my account, I should only have been billed {$99.00} interest instead of {$100.00} shown on my statement for billing periods XX/XX/19 thru XX/XX/19. On this statement, I was overcharged {$3.00}. For billing periods XX/XX/19 thru XX/XX/19, I was overcharged {$3.00}. Citi has been overcharging interests by at least {$3.00} each statement. One obvious reason I noticed that Citi intends to defraud consumers is when the interest amounts goes up  while account balances goes down. For instance, my ending balance for periods XX/XX/19thruXX/XX/XXXXXX/XX/19 was {$7800.00}, but I was charged {$96.00} of interests. However, I was charged {$100.00} of interest for billing periods XX/XX/19 through XX/XX/19 when my account balance was only {$7600.00}. I have attached a copy of an XXXX worksheet showing them how I arrived at the interest amounts I am claiming. 

On XX/XX/2019, I received a response from their customer service with a post office box address of XXXX. XXXX XXXX, XXXX XXXX, SD XXXX simply telling me that the interest charges billed on my account statements are correct without showing me their own computations. Please investigate their computation of interests as I believe there has been some kind of manipulation done on their system.

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 2019-06-08 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: FL

Complaint narrative:
I have requested Experian XXXX XXXX MANY times for validation of proof for the XXXX/XXXX account on my credit report. They are reporting this as closed and revolving at the same time. It is showing as a charge off yet has a balance. This is not correct and is conflicting information and a violation of the FCRA. Also, I have yet to validate this account belongs to me therefore they are in violation of the FCRA and needs to be removed immediately

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 2019-06-08 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: FL

Complaint narrative:
These inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting XXXX XXXX XXXX which is reporting a debt that is not from credit or a debt that is owed. This is not an item that belongs on a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Opened an saving account at SunTrust bank, was not informed that my account would be converted over to a checking which cause me to have several overdraft fees, called them to complain but it was helping or they were not trying to help me resolve my issue, so now I'm left with a balance with them because they didn't send me a letter or help me with my 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 2019-06-09 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:
Inaccurate accounts are reporting on my credit file : XXXX XXXXXXXX XXXX/XXXX  XXXXXXXX XXXX XXXX XXXXXXXX  XXXX   XXXX/XXXX XXXXXXXX

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 2019-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I received a letter from Capital Accounts dated XX/XX/2019 that says I owe XXXX XXXX   {$360.00}. Following are the facts on that billing to me ; -- I got a procedure done at XXXX XXXX XXXX XXXX and apparently XXXX XXXX provided XXXX  and some supplies at that practice. 
-- I got bills from XXXX XXXX XXXX XXXX, a XXXX, a XXXX and XXXX XXXX. They all had filed the insurance claim and I needed to pay 10 % of the covered amount as per my insurance situation. 
-- XXXX XXXX filed claim only for XXXX service and I am supposed to pay {$25.00} for that. But the bill I received from XXXX XXXX was {$270.00}. I called them on XX/XX/2019 and then on XX/XX/2019 but the lady could not answer the charges. Finally a manager called a few days later and told me that apart from {$25.00} for XXXX there is a {$250.00} charge for supplies that was not billed through insurance because XXXX XXXX is not in the network ( of my insurance ). 
-- On XX/XX/2019 I talked to XXXX XXXX XXXX XXXX where I received the services and asked them why did they hire someone to provide supplies who was not in my insurance network. They said that they will talk to XXXX XXXX and it has to go through insurance. 

So, I only owe {$25.00} to XXXX XXXX and did not pay their bill of {$270.00} as they refused to correct it. I checked all the consent papers I signed at XXXX XXXX XXXX XXXX and I never authorized anyone to provide me services or goods from out of my insurance network. So, I only owe {$25.00} to XXXX XXXX and did not pay their bill of {$270.00} as they refused to correct it. I checked all the consent papers I signed at XXXX XXXX XXXX XXXX and I never authorized anyone to provide me services or goods from out of my insurance network. 

This charge of {$250.00} is a rip off, it is amazing how XXXX XXXX is in network for XXXX   service but not in the network for supplies. I never ordered any supplies or services from XXXX XXXX. I understand they work with XXXX XXXX XXXX XXXX where I got service and I have paid every component of that service which was legit. If they send me a corrected bill I will be glad to pay off {$25.00} for XXXX service. If any other charges are legit they can go through the insurance and I will take care of my portion as required. 

I sent dispute letter to Capital accounts and they keep sending me bills. Over the phone they told me that they consider the charges legit based on what merchant says. It is not their job to validate the charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
On XX/XX/2019, a debt validation letter was delivered to Portfolio Recovery ( XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ) as to validate an account reporting on my report. Their 30 day investigation would have ended XX/XX/2019 and I still have received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 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:
These inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I recently applied to " remove '' a cosigner from my private student loan. On XX/XX/2019, I received a " denial '' to do so. The reason that I was given was : On two ( 2 ) occasions, you were late paying your monthly payment. I candidly responded, " I do remember, but my reasons were : # 1. My purse was stolen and my debit card was in the purse. I immediately reported the " theft ''. It took 3-5 business days for me to get my " new '' card. In the meantime, when Navient went in for payment, it was " rejected ''. I was not aware until I received a phone call. # 2. One of my check books was stolen from my office drawer by a custodian. He admitted to writing ( 2 ) checks before I discovered the check book was missing. I immediately closed my checking account, and had to wait before opening up a new one because I had outstanding checks.. I guess in between this time, the payment was rejected also.

If you check my payment history, I have NEVER missed a payment and have been consistent with paying. My credit score is over 700, that should count for something. I have been paying this loan for years and I am seeking FULL responsibility and now I am being rejected and penalized for ( 2 ) late  payments that was not my fault and I am seeking some relief. I am in good standing. Why am I being rejected? Please consider this letter of complaint and honor my co-signer release. 

I am not being difficult, I just feel rejected for something that was beyond my control. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid off the balance of {$52.00} on my ( Mileage Plus United/www.chase.com/united ) account on XX/XX/2019. I made the payment over the phone and my paying bank is also a Chase account. A few weeks later I kept receiving bills saying that I owed more money ( the late fees were 125 % of the balance ). My bank account has sufficient funds and I make electronic payments with this account on a monthly basis. 

I called Chase XXXX ( XXXX ) and they were rude and unhelpful. They offered to accept payment again but for the higher amount of {$170.00}. I haven't made a charge on that card in years and it's unfair and predatory that they would require that I pay three times the amount that I paid off in the first transaction. It also seems strange that a major corporation would claim that a standard bank-to-bank electronic transaction was not completed, especially when both entities are Chase banks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-09 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: NRA Group, LLC
State: MA

Complaint narrative:
There is this account on my XXXX, XXXX and XXXX credit files that I do not recognize, the account is showing with a status open but the problem is that I never had an account with this company called XXXX XXXX XXXX, there is no phone number being reported and it is also showing different open dates. XXXX  says that the account was opened on XX/XX/2014, XXXX  says that the account was opened in XX/XX/2014 and XXXX  says that the account was opened in XX/XX/2014, I have disputed this account with XXXX, XXXX and XXXX  and for some reason they tell me that the account was verified as accurate. XXXX  is reporting this account as open, I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want XXXX XXXX XXXX to provide me with the original contract that has my signature on it or for the account to be deleted from all three credit bureaus.

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 2019-06-09 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Several months ago, I had credit cards lowering my balance and marking me late. I fought it and submitted payment, and. XXXX XXXX never paid while living in marital home, I uploaded decree, they clearly dont care I do not owe XXXX in mortgage I have a small equity loan of {$30000.00} left from {$80000.00}. Problem with CT XXXX XXXX   XXXX XXXX AND XXXX XXXX, We hired an investigator which I paid for his belongings where there until XX/XX/2016.

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 2019-06-09 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Several months ago, I had credit cards lowering my balance and marking me late. I fought it and submitted payment, and. XXXX XXXX never paid while living in marital home, I uploaded decree, they clearly dont care I do not owe XXXX in mortgage I have a small equity loan of {$30000.00} left from {$80000.00}. Problem with XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX, We hired an investigator which I paid for his belongings where there until XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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/2019 I sent a letter to transunion requesting that they send me the documentation that they have on file verifying that the account in question is mine.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand these documents be sent to me.the account in question is XXXX.instead of them sending me the verying documents, i get a identity theft package from what seems to be the original creditor ( XXXX ) .with a balance of $ XXXX.i never received any verying documentation.

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 2019-06-09 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: FL

Complaint narrative:
Inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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:
Inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: MA

Complaint narrative:
My Credit Report from TransUnion shows a Collection Account for {$240.00}, via a Collection Agency ( Collection - XXXX XXXX XXXX, XXXX . XXXX - XXXX, TX XXXX USA ), however the original creditor XXXX was paid {$240.00}, and the debt was settled. TransUnion was informed of this via their dispute file number : XXXX. Their response was " Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report '' and " Account information disputed by consumer, meets FCRA requirements ''. Again, the debt was paid. XXXX has removed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation