vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Netspend Corporation
State: FL

Complaint narrative:
I reached out to Netspend when I found out that I had bought something that was not gon na happen they were concert tickets for somebody who is not performing. Then I called nuts then told him about what was going on turn my head all the documents and emailed it. Then on XX/XX/2020 I was told my refund for dispute would be put back on account on the XXXX it is now XX/XX/2020 so I called was hung up on, giving fake names with fake employee numbers and 3 different stories. Spoke to a supervisor and now they are claim XX/XX/XXXX I will get my refund. Nonsense all the way around. Their fees are a complete rip off not what a saw when I applied for card was a setup to scam money. Instead of going after collection agencies the government needs to go after companies who steal from hard working people.

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 2020-01-24 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
When I opened this card account with Navy Federal Credit Union in XXXX, XXXX, I was offered a low interest rate for a year on balance transfers made with the opening of the account. All was well and good, until the promotional period ended. I thought it odd that the interest charges didn't fluctuate as the balance should have continued to go down. 

I recently inquired as to why the balance on this balance transfer has never gone down one penny since the end of the promo period ended. I was informed by the Credit Union that, now that the interest rate on both the balance transfer and purchases are the same, the balance transfer balance will not be paid off until ALL purchases, past and present, are paid in full, even though I am making more than the minimum payments. So now, I pay the same amount of interest on this balance transfer every month, no matter what. They only apply enough of a " payment '' to keep it static and not to pay down the balance. 

It has remained at the same amount since XXXX of XXXX, and they collect the interest fees on it, despite the fact that I am not allowed to pay down the balance. None of this was explained to me when I opened the account. It was only after I inquired as to why it was not going down did an agent explain that it would not until ALL purchases were paid off. I feel like this was a bait and switch by this credit Union. I have never been late on a payment either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: MD

Complaint narrative:
I have disputed items with Equifax frequently - they never respond to my disputes - I found out that they have my address being reported and this address XXXX does not exist - that is why I never get responses to my disputes - they are going into the usps trash or being returned to Equifax and being trashed. my correct address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX md XXXX - I have written Equifax about this incorrect information but as I said I never receive a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: TN

Complaint narrative:
Hello, my insurance company ( XXXX XXXX ) sent me a letter for non-renewal of my car insurance policy, because of 2 " accidents '' happened in XX/XX/XXXX. 
I am asking for those accidents to be taken away from my profile, because : the first accident happened on XX/XX/XXXX, was in fact not an accident but I just hit some rocks/debris on XXXX, which cracked my front windshield, and thinking that insurance would cover that I filed a claim. 
the second accident did involve another vehicle. I disputed this event in court in XXXX on XX/XX/XXXX, and the prosecutor canceled all the charges agaist me, saying I was totally right and had no resposibility in the accident at all. 

I kindly ask your help to get my driving history profile edited/cleaned accordingly, because I am incurring in huge expenses that were not really caused by me. 
I have the documentation from court to prove what I said, and I will be glad to submit them to you, for your review. 
Thank you very much for your help. Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with Santander and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my 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 2020-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: NY

Complaint narrative:
I recently started a new lease with US Bank But due to some Bank error, I was not receiving statements. A Rep from US BAnk even confirmed that to me in an email as you can see attached.

The bank error caused me to be late on one payment that is currently already paid But no matter hao many times I try to reach ou to US Bank they are refusing to provide me proof that the statements were sent to me even after I was clearly confirmed that no statements were sent. And they refuse to remove the late mark from my 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 2020-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I have recently had a death in my immediate family so I have been struggling to pay the loan because i have been paying for funeral arrangements i have talked to XXXX XXXX and her associates from covington credit repeatedly about this situation and arrangements. As i simply did not have the money that month due to the situation. She has repeatedly come to my house at least three times a week speaking to everyone i live with about my debt, which harassment and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've been trying for the last few weeks to set up a my.equifax.com account. Because my credit file is thin, they have asked me to mail in documentation. 

After that, they entirely stonewalled me. Calling them just causes me to go around in circles before they hang up on me. ( I have recordings, but because Equifax still reads out personal data like social security numbers, I'm not going to publish those ). They promised me on XXXX, for example, that I could talk to an agent at some point, then never actually scheduled the call as far as I can tell.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: NH

Complaint narrative:
Hello, As a foreign national I know that I have to update my residency document submitted to the bank ( Bank of America in this case ) periodically. I was on a XXXX XXXX ( which was valid until XX/XX/XXXX ) when I received my green card on XX/XX/XXXX. Knowing the bank would request a proof of residency at the end of the year, I proactively went to a local Bank of America financial center in XXXX, NH in Summer XXXX ( sometime in late XX/XX/XXXXor early XX/XX/XXXX) and asked the bank teller to scan and save a copy of my green card in my file. Along with me, my wife also provided her green card to update her documents. The teller and her colleague expressed their amusement as they had not seen a couple of customers proactively updating their documents. 

The local financial center did not upload the document ( the copy of my green card ) to the appropriate department ( this is acknowledged by the center managers in my recent visit ), so they sent a letter on XX/XX/XXXX asking for the same document. Considering I had already provided the document, I dismissed the letter. They sent a second letter in XXXX, when I was abroad ( from XX/XX/XXXX - XX/XX/XXXX ). Since I could not have possibly responded to the second letter, my two checking accounts were frozen and my credit card account was eventually closed before my return to the country. The restriction on my checking accounts disrupted my automatic bill payments that resulted in late fees and possible credit score penalties.

The closure of my credit card, however, is expected to have a more significant impact. This credit card was my oldest credit card ( 9 yo ) and with $ XXXX limit accounted to ~37 % of my total credit limit. Therefore, its closure is going to reduce the average age of my credit history and the percentage of credit card utilization with mild and high impacts, respectively. This negative impact will lower my credit score, which in turn reduces my chances of getting lower rate loans in the future.

This mistake and periodically asking for documents while the one in file is still valid is a common practice for Bank of America. It has affected me, my wife and at least 3 of my friends ( I am willing to provide contact information of those whom I know are affected ). It has resulted in numerous unnecessary visits, phone calls, emails and unjustified  account freezes and closures. I am writing to ask the CFPB to look into this practice and take necessary steps to prevent the bank from repeating the same mistakes in future and compensate those who are affected by this practice. 

Best regards.

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 2020-01-24 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: IL

Complaint narrative:
After forwarding all the documents needed for my Dispute along with an official police Report with a UCC filing from the Secretary of state for Illinois showing there is no Debt Registered, these credit Bureaus still did not remove this from my file claiming the contacted the Bank and verified this account with no evidence to me which is against FDCPA Law and violates consumer protection law.

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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with XXXX and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my 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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with XXXX and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with XXXX and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my 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 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
This was a fraudulent account that was open and i disputed everything with XXXX, XXXX  and XXXX  and it was removed from my credit report. I guess this diversified collections didnt like the result and keeps calling and harassing me. I told them several times to stop calling but they keep on going. Its more a nuisance at this point cause they just wont stop and i feel i need to change my number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit 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 2020-01-24 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: IL

Complaint narrative:
After forwarding all the documents needed for my Dispute along with an official police Report with a UCC filing from the Secretary of state for Illinois showing there is no Debt Registered, these credit Bureaus still did not remove this from my file claiming the contacted the Bank and verified this account with no evidence to me which is against FDCPA Law and violates consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: TX

Complaint narrative:
I XXXX XXXX would like for experian to remove all accounts that may be considered negative from my Experian report. Such as XXXX XXXX  Account # XXXX, date open XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX account # XXXX, date open XX/XX/XXXX another XXXX XXXX XXXX XXXX XXXX account # XXXX both unsecured.

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 2020-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Account Control Technology, Inc.
State: GA

Complaint narrative:
{$5000.00} was garnished from my income tax to be " applied '' towards my loan. There is now no record or indication that the money was applied towards my account at all. No one can give me information and I want to figure out who mishandled my funds which is causing me current financial distress and debt.

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 2020-01-24 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: TX

Complaint narrative:
XXXX and TransUnion are both indicating that I am disputing the account with XXXX XXXX and I am not. I requested they remove the verbiage that the account is in dispute and it still reports that. This thing hasn't been disputed in almost 6 months.

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 2020-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief