vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have mail and fax Transunion to remove old outdated obsolete incorrect information and they still have not done so referXXXX you closed the case still XXXX  XXXX listed on my account all three CRA and XXXX XXXX have copy of XXXX XXXX letter stating XXXX  XXXX does not own account and its not my account please remove personal -information 2 names not me,15 inquries I did not make, XXXX, XXXX XXXX not showing as protested I fax them the information again the 6th time now to remove it. this is and has been a violation of the FCRAeven under section 623 { a } { 8 } { 7 } they do not comply Section 611 No comply Section 609 No comply when to they get find for consumer violations I have protest now over 6 months shown proof that account are not mine but still there they are on my 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 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I wrote a check to XXXX XXXX XXXX on XXXX XXXX for {$190.00} for bill account XXXX. The check was altered and written to an unknown individual by the name of XXXX XXXX XXXX and deposited into his bank account on XX/XX/18. I filed a claim for this claim on XX/XX/18, in which I was advised the issue would take 8-10 weeks to resolve. Two weeks later I received an affidavit, which I immediately took to my local branch at XXXX XXXX XXXX to have notarized by the branch manager. The affidavit was faxed and mailed to the claims department. I called several times over the course of a month, I left several messages on the answering machine of the check fraud department, only to never have my call returned. Early XXXX, I began calling customer service and asked to be transferred to the claims department, as that became my only means to get a live rep on the phone. On average I call customer service and am on hold for 30 minutes to ask for a transfer, then hold for an additional 40 minutes. I asked for an update on my claim, I was always advised it was still under review. I got onto Citizens Bank 's XXXX and complained about the way my claim was being handled, that no one has corresponded with me or contacted me whatsoever regarding my claim A rep named XXXX responded to me via XXXX XXXX and stated my claim legally does not have to be resolved within 8-10 weeks, that the claim can be under investigation for an indefinite period of time. On the third week of XXXX, a rep from the claims department indicating that the affidavit had still not been received. I spoke with a supervisor named XXXX, who was kind enough to fax the affidavit to me, which again was completed, notarized and faxed to XXXX on XX/XX/2018 at XXXX. Upon contact on XXXX XXXX at XXXX, I was advised the affidavit has still not been received, although the documentation has been faxed twice from my local branch to the confirmed fax number of the claims department. They have now indicated that they can not expedite having my claim resolved, although I have faxed the affidavit twice, mailed it once and have already waited 8 weeks for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I initially started a line of credit with Cash Net Usa back in XX/XX/XXXX. I was in need of the credit line but I was not aware that they were practicing predatory lending the interest rate kept me in a cycle of never ending debt. I ran into financial trouble back in XXXX or XXXX of XXXX and i was not able to make any payments and have not been able. I contacted them and informed them around XX/XX/XXXX again and they told me they couldn't help unless i paid the past due amount, after i already Expressed i was unable to make payments. Then they decided the best option was the {$93.00} payments plus the {$130.00} payments in XXXX to catch up which still does not help me. I do not know what to do they continuously call me and email me after ive said i cant pay and need options while im in this financial trouble.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with Equifax, XXXX and XXXX and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with XXXX, Experian and XXXX  and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by 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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: GA

Complaint narrative:
I've reached out to CoreLogic Credco twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with XXXX and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by CoreLogic Credco

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 2018-09-27 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: ME

Complaint narrative:
I graduated from XXXX in XXXX of XXXX. Since then, I have been working in several XXXX XXXX doing XXXX XXXX. While I enjoy what I do, it doesn't pay me super well. After years of making on-time and complete payments on my Navient private student loan interest, I was jettisoned into a {$900.00} a month repayment plan. Obviously I can't afford that and also live, so I reached out to Navient to try and resolve this. I was told that the best option was to forbear my loans, so I did this multiple times until I couldn't forbear them anymore by XXXX of XXXX. After that, I was told that Navient could potentially help me with a lower payment plan. Myself and my cosigner gave the information that was asked of us, but were denied. A month or so later, in late XXXX or early XX/XX/XXXX, I called Navient to make a credit card payment, which they refused to accept. They again suggested a lowered repayment plan, which I informed them that I had already been declined for. At this point, they informed me that a chunk of the information necessary from me and my cosigner was missing, which leads me to believe that whoever took the information initially was deliberately leaving out financial information in an effort to manipulate me and my cosigner out of money that we point blank do not have. I was incensed. I asked them to provide me with all of the necessary documentation to prove that they own the debt. Today 's date is XX/XX/XXXX. I asked them for that paperwork over a month ago. I have not received it, so I have been avoiding their calls since because I just can't afford to pay them. They are now threatening to report to the credit bureau on my cosigner and my credit scores, but I don't see how they can do that when they can't even seem to send me the proper paperwork they'd need to even do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Netspend Corporation
State: VA

Complaint narrative:
XX/XX/18 XXXX XXXX XXXX XXXX made me aware, checks for dates,XXXX {$180.00} XX/XX/18 $ XXXX,XX/XX/18 $ XXXX,XX/XX/18 {$200.00},,, all drawn acct number end XXXX,, I told Mrs I don't use check 's, I tried to call my Netspend customer service representative no answer phone ringing, 3times, i emailed netspend on XX/XX/18, no response XX/XX/18 no response, i have had many problems guarding, money missing, the customer service representative some time refuse me management and not all manager with netspend will return call or help with Netspend law regulations, please help

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 2018-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am requesting that this item be removed from the credit bureaus immediately. I have not open an account in XX/XX/2018 with XXXX. This is an error. I have XXXX service for years. The amount reporting is {$430.00}.

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 2018-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX 2017, I paid off 2 Capital One credit cards ( last 4 digits, XXXX and XXXX ). In the meantime I had canceled my XXXX XXXX account, deleting all credit cards listed on this account. As time passed, my XXXX XXXX ( which had been canceled ), came up for " automatic renewal '' I assume XXXX searched my account the account ending in XXXX, I would hope ans assume, if not there's another issue. On XXXX I was billed for the renewal, I called both XXXX and Capital One dept 's. service and explained, After multiple attempts to close both of these cards, which have not been used since being paid off, I have continually been forced almost monthly to close both accounts. I just got off the phone with XXXX XXXX, i was instructed to contact XXXX, sorry, I'm finished with his issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting an account from XXXX XXXX that do not belong to me. Experian refuse to conduct a reasonable investigation into this erroneous reporting from XXXX XXXX. As required under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A, Experian failed to provide me in the dispute results ( XX/XX/2018 ) physical verification of an original signed consumer contract with my Signature on it that 100 % positively verify this account belong to me. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

Experian is reporting a Chapter XXXX Bankruptcy in my public records. I have never file Bankruptcy and I believe I'm a victim of mistaken identity. Once again Experian will not conduct a reasonable investigation other than using their XXXX - XXXX system. They will not provide to me their method of verification that 100 % positively verify this Bankruptcy belong to me. I had a similar situation with another Bureau agency and after an investigation they deleted it from my credit file.

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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with TransUnion and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by 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 2018-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my final attempt before legal proceedings. I am reaching out to the credit bureaus because I have this collection account being reported from your company : XXXX three different accounts, I attempted to dispute with the collection company but they are giving me the run around about my account. I asked them to mail verifiable proof to that abides by the guidelines from the FTC they claim they aren't under obligation to send the original contract and they claimed they sent me the paperwork that proves this account is mine. I did not received anything in the mail and the only attachment they sent was the account history. I will reiterate again, THIS ACCOUNT IS NOT MINE. I DID NOT GIVE MY CONSENT TO DO BUSINESS WITH THIS ACCOUNT. I recently checked my credit score and discovered this catastrophe. I believed my identity was compromised and this company is not cooperating with me to help relieved my circumstances. There has been no investigation on my behalf nor did they send me the list of contacts they involved within the investigation. I asked this company to provide AUTHORIZATION CONTRACT, AFFIDAVIT OF CLAIM, ORIGINAL CONTRACT, CUSTODIAN OF CONTRACT, AND ACCOUNT HISTORY. NONE OF THESE DOCUMENTS HAVE BEEN PROVIDED. This company claims they sent the information off I've been in contact with them for almost 30 days and have YET seen any documents.

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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
requested a copy of credit report b/c of ftc violation have not received one more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
requested a copy of credit report b/c of ftc violation have not received one more than 30 days

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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
requested a copy of credit report b/c of ftc violation have not received one more than 30 days

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 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This issue appears to be recurring in the last 6-8 months. I have had bill pay with Wells Fargo for several years. With their service I post date of transaction and then a drop down menu for date to be paid which I generally post and release 2-3 days prior due date. Within my own credit card with Wells Fargo I have been in the past able to post on the same day as due date without any interest charge. 
The last month they withdrew from my payment of {$1400.00} post date XX/XX/XXXX for withdraw XX/XX/XXXX with a due date of XX/XX/XXXX. 
This month statement I'm charged for a interest fee of {$22.00}. We have conversed through email and now they have taken payment out on XX/XX/XXXX of {$1400.00}. Now being displayed as 20 days late of payment. 
I am trying to build my credit and not sure of the recourse that I should take but this is not tolerable switching a payment out of my bill pay and posting that I am now 20 days late. I have paid in full for this to day XX/XX/XXXX with due date XX/XX/XXXX showing the it will not be delivered until XX/XX/XXXX. 

Pleas help

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 monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 we asked for a balance transfer for {$1200.00} from credit card XXXX to credit card XXXX. The transfer was done to the credit card ending on XXXX, but the card ending on XXXX hasn't been paid until today. 

The problem is that now I have two balances open, please help us solve this problem, I have contacted the XXXX XXXX that issued the card ending XXXX, they always give me a different answer. I contacted them on XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX, they said that it could take 6-8 weeks for them to pay the other credit card ( XXXX ), the problem is that interest is accruing since then. 

I hope you can help us with this problem. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.

Complaint narrative:
Dear Gentlemen, the XX/XX/XXXX I went to the PNCBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX. 
I canceled my acount completely with the help of Mr. XXXX XXXX email : XXXX. 

The XX/XX/XXXX the Estimated amount of {$3000.00} suposely has been transfered to my account in the XXXX XXXX XXXX XXXX but uptill now I have not received the money. 

XXXX : XXXX XXXX ( XXXX. 
Client Identifacation : XXXX ID Type : Passport Client Phone : XXXX XXXX Reference Number : XXXX at XX/XX/2018 My name is XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX . 

I wrote an email to Mr. XXXX XXXX XXXX So far not any answer!! 
I called the headoffice XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX They cant help me since its not possible for them to trace my expected amount of {$3000.00}. 

I kindly request you to help me out with this unfortunate metter, since the PNC BANK XXXX does not give me any answer. 

Awaiting for your answer due to this case I send you my kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation