vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-02 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: TX

Complaint narrative:
equifax violates my right XXXX XXXX XXXX inaccurate information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
This is a phantom debt from another collection that has been previously taken off my credit report due to payment, but the original creditor is still trying to collect when the debt is no longer vald

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I opened auto loan with capital one auto in XX/XX/XXXX. Over the course of the loan I was charged interest and extra interest for extensions on the loan that was not disclosed to me. During my loan I had several mechanical problems with the vehicle my fifth year being the most costly .The car needed a transmission, computer and other repairs totaling over 7,000.00. I reached out to capital one in XX/XX/XXXX requesting assistance. I was told by the representative that I was unable to receive assistance unless my account was three months behind. My account was already one month behind at the time. She advised me to call back for a program around the 90 day mark. I called in to capital one in XX/XX/XXXX and I asked for available program and I was told that there is no button available for them to push for a program even though my account was three months past due as I was instructed to do by the representative I spoke with in XX/XX/XXXX. I asked to speak with a manager and I was also told that he could n't help me because my loan was at the end of its term and he also explained to me how the capital one system works and how they wo n't offer assistance and about their predatory lending and harsh practices. I called back again in XX/XX/XXXX to seek a remedy and spoke to several people and was later contacted by the corporate office and they failed to send me an email or place anything in writing or assist me with the matter. The young woman did offer to review the calls. I explained to the woman that she shouldnt call but place her findings in wtiting and she said she couldnt do that and that only her legal team could. The represenative called me back anyways after my request was for her not to because of previous issues, i declined to take the call and she refused to put her findings in writing. My account was charged off in XX/XX/XXXX and Capital one continues to bill fees and monthly payment amounts to the account without sending bills or notices which is a direct violation of the truth and lending act. Also contacting a customer when they have a non contact order on the account. I have tried to resolve this issue with the company and their refusal to update my account history and not assist with the loan, their violation of the laws is evident. I am left with no other option than to take legal actions if this matter is n't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: WV

Complaint narrative:
Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan 1 and student loan 2. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: WV

Complaint narrative:
Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan 1 and student loan 2. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!

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 2017-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Basically this boils down to a feeling that two nave people looking to better themselves were taken advantage of by predatory lending and now continue to slide down a slope with no hope of recovery. Navient ( XXXX XXXX ) leant my wife and I an exorbitant amount of money which clearly had no opportunity to be repaid. I have lost a home in the process and continue to be handcuffed by a debt we ca n't shrink but have watched grow exorbitantly. I would like to be responsible about getting Navient reimbursed fairly. I am seeking to have all of our loans consolidated and then the interest be brought to 0 % or there about so that my wife and I can work to pay them money owed and be done with them. We have paid nothing but interest for many, many years now and the debts have basically doubled in that time. If you suggest we file bankruptcy as a result I am looking for suggestions and assistance. I have heard horror story upon horror story about people just trying to better themselves being totally taken advantage of by a predatory system of greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: DC

Complaint narrative:
XXXX XXXX " XXXX XXXX '' sent me a regular quarterly report on my rating by the 3 major credit agencies ( XXXX, TransUnion, & XXXX. As to TransUnion, they showed credit activity of someone named " XXXX XXXX XXXX '' ( my name is XXXX XXXX- no middle initial ) ; it also showed employers, etc,, for XXXX XXXX XXXX where I was never employed, and similar errors arising from the mistaken consolidation of my records with his. I called TransUnion last week and told them about it, and they said they would correct it and send me a correction. The sent me a correction which dropped all reference to " XXXX XXXX XXXX ''. BUT the purportedly corrected report showed a number of credit accounts where the account numbers are not mine, and it also failed to show a number of my own accounts at the same banks, etc., I called them again this morning, told them about it, and they said they would transfer my call to " special handling '' -- but they did not transfer its=, hung up ( after a half hour on " hold '' ), and I finally realized that this outfit is just hopeless. If there is some way to get these people to pay attention to correcting their own sloppiness and behave responsibly, 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 2017-10-02 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: TX

Complaint narrative:
XXXX violates my right XXXX trans union inaccurate information 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 2017-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: LA

Complaint narrative:
Capital Accounts has been hounding me by calling repeatedly from disguised numbers, and through different agencies to make contact with me, after I have told them to never call me again. Today they called my home phone number and discussed my medical bills with my wife and attempted to pressure he to give them a Credit Card number for a debt that I have checked with the Medical Provider and this debt was paid. 

I have never given them permission to discuss my personal medical records with anyone, and feel this is just another type of harassment. The Bill which they are referring to is from a medical procedure which took place in 2012.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I received an alert from 2 of the credit bureaus I use to monitor my credit. 
I was made aware that a company from Calif. had put a collection on my reports for some ridiculous amount. This so called company name is Caine and Weiner has put a fraudulent claim on my credit reports. 
I was struck by a XXXX driver in XX/XX/XXXX and have spent the last few years in court with her insurance, finally reaching a very nice settlement in XX/XX/XXXX, now I am finding fraudulent people who want place erroneous items on my credit report thinking I will pay them. 
I will not tolerate this and I will fight this with all I have!! 
I am outraged that the credit bureaus are able to just arbitrarily place items on my credit report with out any effort to obtain as whether they are real or fraudulent. 

I researched this so called company XXXX XXXX XXXX and much to my dismay there were pages and pages of their fraudulent behaviour. 
I do not owe them any money and I want this off my credit reports as quickly as possibe, I am rebuiding my life after being mowed down by a XXXX driver and I will not be taken by a scam artist. 
The date that is appeared of the alert is XX/XX/XXXX. 
The amount is {$3100.00}. 
The name is Caine and Weiner. 

I thank you in advance for all your help and quick response. 

Warm Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My wife and I listed our home for sale to avoid foreclosure. Our agent secured a buyer but our mortgage company took too long to approve the short sale and our agent lost the buyer. Our agent worked with our mortgage company to postpone the sale date and secured another buyer. Our mortgage company ordered a value check and our agent let them in our home. The value check proved the offer we had was good and we were on the way to our short sale. Weeks went by while waiting for the final approval. Our agent called and was told to get one or two updated or new items. Our agent emailed in the items and was told the value check was old and another value check had to be done. The appraiser called and by this time our agent simply asked if it could be a drive by value instead of an interior as the interior has not changed since the last FOUR interior inspections. The appraiser agree but said he needed to check with our lender. HE NEVER  DID. Our agent followed up with him several times giving him a chance to answer his phone or return her calls. Finally, our agent sent an email to our mortgage company around the XX/XX/XXXX about the appraiser not contacting her back.. With no contact ( our mortgage company does not email, call or anything they only require website contact ) our agent contacted SPS and they said they cancelled our short sale just a few days prior to her call. She asked why and they said the appraiser could not get in! Now we are going to have a foreclosure and a deficient amount and we are a young family looking for help! We live in a two bedroom condo with a boy and a girl and need your help to stop the sale and allow our short sale to go through promptly, so we can get back on our feet. The offer we have we were told was in the range to be accepted and the time frame has been way more than should be allowable. How hard is it to accept an offer which was with in range and valid? We just want to move on with our lives and this has been a nightmare. PLEASE HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been charged {$5.00} to unfreeze my account. Trans Union is not suppose to charge as I live in New Jersey. In NJ senior citizen and people who are identity theft victim are not suppose to pay. Trans Union website also says the same. 
The following are the description and transaction information : 1. Thursday XX/XX/XXXX, I requested unfreeze on my account so that XXXX can have my credit report before offering service at my home. My XXXX card has been charged {$5.00} 2. Friday XX/XX/XXXX, I requested unfreeze on my account so that XXXX XXXX XXXX can have my credit report before extending loan to buy the car. My XXXX card has been charged {$5.00}

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 2017-10-02 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:
The credit bureau is reporting paying my credit card balance down as a negative when I 'm trying to raise my credit score this company is reporting it as a negative and my score has decreased instead of increasing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: GA

Complaint narrative:
Experian allowed XXXX XXXX to place a collection account on my credit report in the amount of XXXX USD. The original creditor is XXXX. After speaking with representatives within XXXX, I have been told I have a XXXX balance ( XXXX ). Without any regard for my personal and/or credit worthiness, Experian decided to put this on my credit report. As I am in the process of buying a home, this has put a dent in my credit making it harder to purchase a home! Should someone get a slap on the wrist or should a full blown lawsuit follow this to justify what has happened to me and I 'm sure, tens of thousands of others ...

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 2017-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The bank of america atm on XX/XX/XXXX failed to read my check that I deposited due to no fault of my own. The bank put the funds on hold and two weeks later sent me a letter assuming that the account my check was drawn from was closed. However later the bank representative realized that it was bank of america who was at fault. The money was put on hold before my funds would clear until I made a cash deposit, however before I put in cash it resulted in a large amount of overdraft charges. The bank manager refused to credit back the last 8 overdraft fee charges because in the reps opinion the bank credited back enough penalty fees already. I clearly explained to her that it was simply not my fault that the bank of america atm was unable to read my check. I have never gotten back my few hundred dollars the bank took from me in penalty fees.

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 2017-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I used my Bluebird card for XXXX XXXX hold until I returned the car. XXXX released the funds and Bluebird is giving me the run around telling me different stories, one being that XXXX did n't release the funds yet, and another being that it was released but American Express requires the funds to be held for 30 days. Also when I called Bluebird, I had to call back about four times because every time I asked to speak to a supervisor, I was hung up on by the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I closed on my mortgage in XXXX 2016. It was a new building construction. At the time the closing they only escrowed my taxes based on the property value without the building. So my taxes were around {$63.00} based on the land only. They came back to me in XX/XX/XXXX and are now collecting back taxes. My monthly payment has now gone up by {$600.00} which I can no longer afford. The relator and title company never explained this to me. The condo building is only at 10 % capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had three credit accounts with XXXX XXXX XXXX. I got into some financial difficulties and I was not able to make my payments on time to capital one. After several failed attempts with XXXX XXXX XXXX to reduce my monthly payments or to make an arrangement with me so that I can keep paying capital one on time my accounts went into collection and charge off status with capital one. Within a few once my finances started picking up. I called capital one to pay for the debts. I was told that they can offer me a settlement amount on each three accounts and I a pay the settlement offer in one payment instead of making monthly payments. So I made payment on the accounts as follow : My three accounts ending in XXXX charged off on XX/XX/XXXX, with a balance Of {$2100.00}. On XX/XX/XXXX, this account was settled for  {$1100.00}. My account ending in XXXX charged off on XX/XX/XXXX, with a balance of {$2100.00}. On XX/XX/XXXX, this account was settled for {$1000.00}. Your account ending in XXXX charged off on XX/XX/XXXX, with a balance of {$870.00}. On XX/XX/XXXX, this account was settled for {$430.00}. All of which I paid and paid in full. 
Now I previously file a complaint that capital one is not reporting these trade line correctly. These accounts are paid and on XXXX XXXX XXXX these account are not reporting that I paid these account. So it makes the account look like I did not pay any money on these accounts when I paid these accounts over 3 years now. For the whole 3 years Capital one has been violating both state and federal law and reporting these accounts inaccurately. Now according to new York State Law paid charge offs are supposed to be remove from a consumer report 5 years after the first date of delinquency. I would like Capital One to remove these accounts off of my credit files being that they have been reporting it inaccurately for some many years, and has caused me and my children hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX. Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years  of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.

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