vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to unlock a credit feeze with Transunion both over the phone & internet. This company refused to assist me in anyway to expedite the unfreezing of my credit report. I was told to submit a copy of my driver 's license & a bill with my address on it & they might look into it in 5 days. Both XXXX & XXXX   provided the unfreezing of my account without this extreme vetting of my identity. There is no legal reason for Transunion to refuse to unfreeze the account without vetting my identity when both XXXX & XXXX had no problem assisting me either over the phone or over the internet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: GA

Complaint narrative:
I submitted a letter to Experian disputing items on my credit report XX/XX/XXXX. I asked for XXXX XXXX XXXX, partial account # XXXX, {$1300.00}, to be verified, documentation of verification provided or removed. It remained unchanged. In XX/XX/XXXX, I requested a copy of my report and credit score and noticed that the information for XXXX was changed. I tried to dispute it and Experian said it was updated.The information is not correct. Experian changed the information to show that this item was included in a XX/XX/XXXX discharged bankruptcy. The item was not reported until XX/XX/XXXX. Items in a discharged bankruptcy can not be added two years later. In addition, XXXX XXXX XXXX, partial acccount XXXX, shows as a separate line item with a late payment. This item was included in a bankruptcy. Since this item was included in a bankruptcy, it should not be listed as an additional negative item. Experian refuses to correct the stated information on both accounts and will not allow me to dispute the information online because they said it was updated. This is unethical reporting. Experian did not verify information because if it was verified, these errors would not be on it. I have worked hard to rebuild my credit and have paid off some debt and raised my credit score with XXXX and XXXX to XXXX and XXXX, respectively. My Experian credit score remains at XXXX because of this incorrect reporting. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 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 — Problem with personal statement of dispute
Company: American First Finance, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX ... .did not take ACH payment which made account late XX/XX/XXXX ... took {$330.00}, couldn't find for over a week and ended up that amount was applies to another persons account. 
XX/XX/XXXX ... associate did something to our account which made three payments come out within ours of eachother. I told supervisor to please listen to the 'recorded conversation ' and her response was there was a 'learning experience ' rather than financially assist us. 
XX/XX/XXXX ... recieved letter regarding an amount of over {$1000.00} we were to pay by XX/XX/XXXX, to call and make arrangements for amount due of a different amount. As of that date 1. our account with them doesn't end for another year. 2. we asked for a payoff amount ... period! 3. We had already paid over a thousand at the time of the letter. 

when we asked for them to correct our negative credit reporting their answer was that because our credit union had disputed the transactions ... ..it was their fault and they would not change anything. 

We have all documentation from our bank and the emails from the supervisor of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: CA

Complaint narrative:
I recently graduated from XXXX school on XX/XX/18 and prior to this I have been a student full time. As The XXXX   confirmed by the letter on XX/XX/2018 sent to me : XXXX, the In-School Deferment on your student loan ( s ) will expire on XX/XX/2018. Youre scheduled to start making monthly payments ON XX/XX/2018. 

So, I have the times is 30 days to finding the money in order to make payment? I thinking this Scheduled repayment is very great to me for ( ( Im starting my XXXX XXXX XXXX on XX/XX/18 ) ). 

But, I dont know why : *The AES asked me to make the payment {$430.00} ( Due by XX/XX/2018 ) while Im still a student full time. 
And *The AES asked me to make the payment {$660.00} ( Due by XX/XX/2018 ) At this time that I recently graduated from XXXX school on XX/XX/18. 
I am writing to request that the AES/ credit report be corrected to reflect that my co-signers ( XXXX ) and I am no longer delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
Sometime last year in XX/XX/XXXX someone used my social security number to obtain cable but never paid for it and now its a XXXX $ collection debt in my name thats preventing me from being able to get a house. Over these past months I have been calling to try and get this off my credit since Im didnt create this debt and havent had no luck

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: MD

Complaint narrative:
I submitted three cases to the Consumer Financial Protection Bureau, regarding Trans Union repeatedly violated the FCRA 15 U.S.C. 1681i ( a ) ( 7 ). I have requested 8 separate times for Transunion to send me a valid method of verification bearing my signature for a disputed XXXX XXXX XXXX account. TransUnion has also failed to mark this account as disputed as federal law 15 U.S.C. 1681i ( c ) explains. They continue to violate federal law.

Here are the case numbers XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/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 2018-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2015 I filled a police report to report that several checks that was issued to me from Child Support were missing and they were cashed. I was told by the State of Florida Disbursement Unit that I could file a complaint with Wells Fargo Bank to investigate what happened to the checks because I did not received them and they were cashed by someone else. I filled a notorized complaint XX/XX/2015 and sent to Wells Fargo Bank the missing check numbers and amounts were furnished to me by the State of Florida Disbursement Unit. I sent the paperwork to Wells Fargo Treasury Management Fraud operations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX. I called Wells Fargo numerous times and I was told that I had to get a case number from the State of Florida Dispursement Unit. When I called them they didn't know what I was talking about. So far I have not got anywhere with these 2 agencies. I have the check numbers and amount that were cashed. I really cant understand why no one can help me. I am filing this complaint in hopes of getting a 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 explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX service was canceled and paid last 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 explanation
Consumer complaint received 2018-07-21 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: AR

Complaint narrative:
COLLECTOR IS STILL ILLEGALLY REPORTING TO ALL BUREAUS IN VIOLATION OF FCRA ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: AR

Complaint narrative:
COLLECTOR IS STILL ILLEGALLY REPORTING TO ALL BUREAUS IN VIOLATION OF FCRA ETC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I had two accounts that were with XXXX. I disputed them both. XXXX removed one of the accounts from my credit and sold the other to an agency. I paid that account off and they removed it from my credit. A few months later the other account was sold to another agency and put back on my credit. I called to get the account resolved. They said that it would not be listed as a collection account if I paid it. They said it would show settled in full with a XXXX balance. The account has been updated to paid but remains in collections. I was told that it would be fixed, then I was told it will not be corrected, and then I was sent to a manager voicemail that has not called me back. The company lied to me and hung up a few times. They apologized but the account has not been fixed. Now I am requesting that the account be removed from my credit since it has been paid and the company lied as a way to get me to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XX/XX/18 sent {$200.00} to scammer. Noticed same day it was not a good sale. Tried to request money back XX/XX/2018. No luck from scammer. Called my bank XX/XX/18 to dispute they stated it would take 10 days for a result. Called XX/XX/18 to check status bank stated they found no error and sent paperwork explaining why on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PREFERRED CREDIT INC
State: HI

Complaint narrative:
This debt collector claims I owe them an arreas of $ 3500+ Which in fact I have no knowledge or ever making an agreement with this business. This company constantly, calls me and leaves voice messages, send me emails, mail letters and just today they came over to my property and left an envelope with a document. This harrasment needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Online access to my funds has been restricted. Chase Bank is causing a hardship by restricting my livelihood and access to my funds for daily life. I live in XXXX so I can not go into a branch to clear this up which is the only option they have offered to me. On XX/XX/XXXX I used a bank product to send funds to my son in the US. The payment was canceled when he didn't respond in time and caused, it seems, my access to be restricted. Since then I have spent over 3 hours each call trying to get this cleared. On XX/XX/XXXX when I asked the operator for a moment to check on a date for an answer, she refused and said the only solution was to go into a branch. She also seems to have noted that I was not able to answer a number of questions correctly, which is not true. I know there are other ways to resolve this restriction on my account that don't require I go into a branch,, since something similar happened about a year ago and they took measures to clear my name without a visit to a branch. I need help to find a solution and get access to my account as soon as possible if I am to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Called Santander Consumer USA about my XXXX mother 's account. She financed a new truck with them in XX/XX/XXXX with a 72 month contract. The contracts first payment was for XX/XX/XXXX. She got 6 months worth of payments ( 6 payments ) moved to the end of the loan due to illness. The current maturity date is XX/XX/XXXX ( today ) but the balance is still {$9000.00}. I went over the transaction history and most of the payments she made went towards interest, i.e. her payment is {$540.00} but $ 300-500 would go towards interest. This account should be paid out by now unless there is something I'm missing. I need for you all look into her account for me and make sure their actions are justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio Recovery Associates LLC have repeatedly called me at various times throughout the day from various phone numbers interrupting my carrer and my personal time. I have asked them multiple times to remove me from their call list. They keep calling me and asking for me by name. I have NO outstanding debt except for my mortgage, which is automatically paid each month and has never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA Compass bank provided me with misleading information about the funds in my account, which caused me to overdraft and be charged over {$120.00}. Between XX/XX/2018 and XX/XX/2018, I initiated 4 transactions relying upon the account information provided to me on their mobile app. Both thof available balance and posted balance were the same and indicated I had funds. Upon making these transactions throughout the weekend they were not even showing as pending in my account until XX/XX/2018. I dont not believe I should put be charged NSF fees having relied on the erroneous account information they provided. 

Further, in my previous interactions with the bank, they told me to set up overdraft alerts so that I wouldnt be charged so many NSF fees. Their alerts are useless becaus 1 ) the transactions dont even show as pending into the account until a few days after making a transaction ; and 2 ) the email and mobile alerts dont even alert you until almost 48 hours after the account would go negative. Every bank Ive previously had would show pending transactions that have a {$1.00} hold in the account. This bank doesnt do that ( despite showing a pending account balance ) and deceives their customers in order to charge them grossly unfair overdraft fees. 

On XX/XX/2018 I spoke to a banking representative and unsuccessfully asked to reverse my NSF fees. During the conversation I asked them to opt me out of courtesy overdraft payments so that I can stop incurring their rediculous fees. On XX/XX/2018 and XX/XX/2018, they have charged me {$96.00} in NSF fees. They told me these fees would stop and that the transactions just wouldnt authorize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America falsely reported bad credit to the credit bureaus and closed my account, which I have had with them since 2002. I am living overseas at the moment, so I do not use the card frequently. Then all of a sudden, I got an alert that I had a {$50.00} unpaid bill from Bank of America and that they had reported delinquent credit two months in a row. This was unbelievable to me, since I had not used the card. But I paid it anyway, just to get them to stop reporting my credit. But then they closed my account, after 16 years of being an excellent customer.

I spoke to XXXX XXXX today, a supervisor in their customer service department. But he refused to help and yelled at me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX HAS REPORTED MY ACCOUNT TO EQUIFAX LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX AND XX/XX/2015 AND THIS INFO IS NOT CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northern Service Bureau, Escanaba Inc.
State: MI

Complaint narrative:
Northern Service Bureau has accounts listed that are my Ex-husband 's. I have tried for years to have them remove the accounts from my file but won't. We have been divorced since XX/XX/XXXX. 
XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} I can't set up a payment plan on accounts with them when there are accounts on my report that are not mine.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: Panhandle-Plains Student Finance Corporation
State: TX

Complaint narrative:
This is a different account for Panhandle PANHANDLE PLAINS HAS REPORTED MY ACCOUNT TO XXXX   LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/2015 AND THIS INFO IS NOT CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: CO

Complaint narrative:
In XX/XX/2018 I made a payment to XXXX XXXX XXXX in XXXX, NE. I was running a little late on my payments so I made a payment of {$30.00} on XX/XX/2018. The amount shown past due at that time was {$28.00} so i actually paid more than what was shown as overdue. The payment was due on XX/XX/2018 so I made the payment early. They havd notified the 3 credit bureaus that I was 30-59 days past due, which is incorrect.

This has had a substantial negative effect on my credit score. Since the total amount due shown was {$64.00}, due by XX/XX/2018, how was I late. The amount circled shows the past due amount. While I was a few dollars short of the actual payment due, I still paid the overdue amount before the date due. Is this some sort of scam on the part of this company to charge more fees? This looks like a deceptive trade practice to me.

Company response to consumer: Closed with explanation