vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/2019, I spoke with a representative who stated that he was filing my dispute with a merchant for the amount of {$230.00}. I received a notice on my account that the dispute was filed ; however, when I went into the PayPal Dispute there was no case filed for dispute. It appears that PayPal is not processing my dispute for this merchant as promised and is indicated on the menu of the merchant. PayPal is providing misleading information. Also the fax number given to file a dispute does not work. This is the second time this has happened with PayPal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
On XX/XX/2019, I sent a Notarized Affidavit to Midland Credit/ Funding regarding an account that was reporting on my credit report that did not belong to me. In the affidavit, I advised Midland Credit/Funding I had no contractual agreement with their company an that the debt did not belong to me. I recently received a letter from Midland Credit/Funding stating that they intend to file a lawsuit against me as well as obtain a judgment if I did not contact their prelegal department. In addition, the letter threatened to garnish wages and obtain a lien against my property. This action taking by Midland Credit/Funding violates the Fair Debt Collection Practice Act 807,808, and 809. I have yet or ever recall receiving any initial communication or validation regarding this matter. I expect Midland Credit /Funding to immediately remove this account from all three consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello I've been trying to resolve this issue with Trans Union about these unauthorized credit inquiries on my credit report file, I've sent certified letters time and time again to this company and nothing 's been done yet and its been since last year for months XXXX. XXXX XXXX XXXX XXXX XXXX. I need your help with this issue I'm having with Trans Union. Thank you kindly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: AL

Complaint narrative:
Back in XXXX of 2018 my credit card was stolen and someone used it to run up an enormous balance. I don't know why all of those charge got through. I called once I realized it and informed them. I told them I did not have the card, did not use it, did not give to anyone and no one used it on my behalf. I also signed the affidavit that they sent me. I asked was a police report necessary and rep said you can do it but it's not a must. They adjusted my account for the charges and then 3 months later put the charges on my account. I immediately called to see why and what was going on and they stated it was suspicious. What does that even mean? How was it suspicious. They didn't state clearly and informed me a police report needs to be filed so they can adjust. I informed I asked about that when first happened and was told no. I filed the police report and provided them with the officer name, precinct and case number. Time goes by and they say the credit will not be put back. This makes no sense. I called in when noticed and that was within time frames that I have to, I have been totally compliant and returning information that ask for promptly and there is not one single piece of evidence or anything that can show I did this. Not one because I did not and didn't authorize. My spending habits on the card wouldn't even suggest me spending like that or that much. I just don't understand what's going on and why this is happening to me. I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I made 35 out of 37 payments, lost my job and tried to use my remaining funds in my 401K to purchase the vehicle. I was advised I had to pay over {$8000.00} to pay the vehicle off even though the care total finance amount was {$11000.00}. The company sold the vehicle and then the remaining balance to XXXX XXXX, and they are now trying sue me for over {$3000.00}. This company went as far as removing my credit history from XXXX as if I never existed and said I missed numerous payments. I have already filed a complaint with FTC, and the Consumer Protection Agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX from XXXX XXXX XXXX. I purchased XXXX extra miles up front so I wouldn't go over mileage. My total mileage allowance was XXXX for the lease. I turned in the lease with approximately XXXX. I assumed like other car manufactures that they would send me a check for unused miles after turn in date was XX/XX/XXXX. I called them approximately mid XXXX to check on the status of the refund. However, I was told they don't refund unused pursed miles. I had to get them to clarify this with upper manager that they owe me a refund. They came back to inform me at the end of XX/XX/XXXX days they would send the refund. My concern is how many other customers are being cheated or abused like I have on something paid for but haven't use. Thanks for your time. Please contact me if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bass & Associates, P.C., Attorneys at Law
State: PA

Complaint narrative:
The Student loan Department keep sending different payment centers from different parts of the country after a loan that was paid. This time they sensed a law firm Bass & Associates Entity # XXXX Address XXXX XXXX XXXX XXXX ; Pa XXXX On XX/XX/2019 I sent a Cease and Desist letter to Bass & Associate 's with the same pay off letter that you have on the last complaint. I send letter by green card -XXXX.I received card back without signature because they are a Law firm  they're response wasn't correct. They will try act like they didn't receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
After a year of dealing with a debit card fraud case with USAA we have determined we can no longer do business with them and are trying to close our accounts. In early XX/XX/2019 we attempted to close both checking and savings and were told we couldn't because the accounts were in a 'credit only status '. This is outrageous and unacceptable. It has been going on too long and we demand they close the accounts. This institution has already been found guilty of these kind of practices and have paid fines in relation to those class action cases. DO THEY EVER LEARN?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I opened an account with XXXX XXXX which was opened and closed in XX/XX/2007 and it is still on my record after 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
good morning today is XX/XX/2019 i have tried 4 times to dispute items on my experian report but all iam getting with them is the run around or getting hung up on they are some nasty people that works there somebody needs to take a look at that company,,, Here my complaint account # XXXXxxxxxxxx XXXX   XXXX XXXX they calls me all times at night and i really dont like it they say i owe them money and i told them to seen my info saying i owe them and they never sent nothing but they still call me all night plz tell them to remove this account off my credit report its not mines, ,Next account XXXX XXXX XXXX i tried to disput this account with experian they hung the phone up in my face the account # is XXXXxxxx they have alot of 120 lates and 90 day lates that are not mines its not right ... .XXXX XXXX XXXX  XXXXxxxx this account i have no idea about it i told experian about it they just said its on my credit now nothing they can do i need this account gone asap ... ..XXXX XXXX XXXXxxxxxxxxxx i have no clue about this account somebody i think got this in my name,,, ,XXXX XXXX XXXX XXXXxxxx i  have disputed this account with experian and keep coming back verivied but i got it remove off the other two credit reports its not my account sorry for a long story but its aginst the law to report fraud accounts on someone credit report and then try to ruin someone life for the rest of there lives with bad credit it is not right

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD

Complaint narrative:
According to 2 hard inquirys on my credit report one XXXX/XXXX   through XXXX  from XX/XX/XXXX this account is still activate, but in excellent standards which should show payments made on time and account balance was paid off to XXXX  well ahead of time. Another inquiry is from Bay County Consumer which was paid off and account closed well over 10 years ago in XX/XX/XXXX or XX/XX/XXXX. I believe these 2 accounts begin hard inquiries are make my credit report through XXXX as low as it is at this time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Performant Financial Corporation
State: PA

Complaint narrative:
I graduated XXXX XXXX in XX/XX/2009 with 2 loans totaling XXXX. Now they have been in collections and the principals have grown dramatically towards XXXX. Ive had wage garnishsment, sent federal income tax refunds, been on rehabilitation programs and have NO IDEA what to do now. I am extremely distraught financially and emotionally about this. I need to have these consolidated and want a line item description of everything that has happened. This company PeRformant on XX/XX/XXXX sent me a letter saying I had a principal of {$21000.00}, interest = {$850.00} and fees and cost {$4200.00}. A month later I get a letter stating my balance isnnow {$26000.00}. In one month my balance goes up over 5k! This is totally unacceptable. I am outraged. I recently submitted a complain about XXXX. I need help. I have no idea what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am so upset about the shady business practices performed by Chase bank. I was told overdraft fees wouldnt be charged if funds were placed in account by XXXX XXXX next day. I have payed so many overdraft fees @ $ XXXX/per overdraft and almost all ATM 's, except two would be charged @ $ XXXX/each time used! I understand banks need to make money but the amount they were taking on a monthly basis was INSANE! I also have not received any helpful services that I needed. I even had to go to a different company to just get something notorized due to unreasonable hardships for such a siple task of customer services.I feel this is becoming a HUGE problem for consumers and these misleading and gross practices, performed by, supposed respectful financial institutions has gotten out of hand! Im thinking of just forgetting this whole game @ my financial exspence, and keeping my funds on my own! I would have saved hundreds in just 6 months! BEAWRE OF CHASE BANK!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
hello i have inquries on my report i have no idea about and i call experian about the problem and they telling me its nothing i can do about and i say oh yes i can ... inquiry ... XXXX ... XXXX ... .XXXX ... XXXX XXXX ... .XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX  XXXX ... XXXX credit/XXXX ... XXXX   XXXX  ... XXXX XXXX ... XXXX XXXX  XXXX ... XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX/XXXX ... these are all the fraud inquiries i seen can somebody plz tell these people to remove these its aginst the 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 non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
Consumer Portfolio Services ( CPS ) accessed my credit file without my authorization and reported out an inquiry for credit that I never requested. They received my information from a third party. The third party has acknowledged this error and requested CPS to remove the inquiry. This letter was signed by a XXXX at the company. I have also submitted several letters to request the removal. I did not authorize CPS access to my credit file for lending purposes. Furthermore, I have an active extended fraud alert that states that I must be called day or night to verify any credit request. At no point has CPS contacted me to confirm my identity, that I authorized access to my credit, or that I indeed wished to obtain credit. This is a violation of US code 1681 c-1. CPS continues to refuse to acknowledge their fraudulent access to my report and remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Yes I had a account closed from XXXX XXXX because Im opened another Acct through another wireless provider when this happened thei neverclosed account so they kept hitting my credit as a late pay I finally found bout sent payments monthly when I went to purchase a mort loan it popped up as never made payment on a closed Acct so they never to into all my payments I made them and charged me a full amount I did negotiate and thei settles for another amount I had no choice but to pay like almost double thei never have me updates or statements of account on this matter and never would give me information they told me it was closed Acct ok so why are you not showing my payment I made then XXXX XXXX never updated my actions at all and verify the wrong amount owed you help with this it on my report as paid but will stay onther for 2 more years when they told me it would be taken off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
In XXXX of 2018, we moved from XXXX to XXXX. Earlier today we noticed this company ASSOCIATED CREDIT SERVICES , INC. on my husbands credit report. We called and the representative initially had a hard time locating him until we provided his social. We never received a notice that the bill was past due. We never received any notice from this company. Nothing. The rep from the collection agency said its our fault because we should have notified them that we moved. As if we KNEW of the debt when we with over 1,000 miles away from where they sent it. We logged in today to our online account with the company ( XXXX XXXX XXXX ) and the amount we owed was DOUBLE what it normally is. We werent on some negotiated billing or whatever. We paid each month what was due so to even see it doubled is troubling. Its as if XXXX XXXX XXXX punishes you for leaving. Anyway, the communication from the rep at the collection agency went nowhere. Im publishing this to let everyone know to beware of this collection agency and XXXX XXXX XXXX. They dont send notices and then add XXXX to your credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loans were in deferment while I am in graduate school. I called Navient on XX/XX/XXXX to request the accumulated interest amount as I like to pay the interest while in deferment. I set up a payment of {$790.00}. for the accumulated interest to be made on XX/XX/XXXX so that I could deduct the interest on my income taxes for XX/XX/XXXX. I also requested to end my deferment and enter repayment in XX/XX/XXXX. Previously, my deferment was until XX/XX/XXXX. I wanted to start paying off my loan early so that it would be paid in full by the time I plan to retire in 10 years. 

When I reviewed my payment history in XX/XX/XXXX, the XX/XX/XXXX payment credited {$730.00} to principal and and only {$52.00} to interest instead of the full payment going to interest as I was told would be done. I called in late XX/XX/XXXX or early XX/XX/XXXX and was told that the error would be corrected in 2-3 weeks. It was not corrected. 

I called on XX/XX/XXXX and was told that the interest capitalized on XX/XX/XXXX because I canceled the deferment while Navient is saying the school has me no longer enrolled, which is not correct because I am enrolled in XXXX units. All I am asking is that the XX/XX/XXXX payment of {$790.00}. be credited toward interest. I am now being told that this is not possible when two previous Navient service reps told me it would be done.

Company response to consumer: Closed with monetary relief