vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I purchased a new Honda Civic from Honda Financial services because I was promised to get the rebate program they had going on, which they still currently offer, but refuse to apply to my statement. The rebate is the College Graduate rebate program that if you graduate within the next 6 months to 2 years from an accredited university they will apply a {$500.00} rebate to your owed financed balance. I only purchased the vehicle from them because I was promised to have this rebate applied as soon as I graduated. I then came back after I graduated and they refused to apply the rebate for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I was recently notified by Equifax that my info was included in the hack of their database. So I signed up for credit monitoring service through them and I tried to file a dispute online about some accounts. When I submit info however the verification questions that come up have nothing to do with me so I have to answer each one does not apply and cant get my identity confirmed to dispute items on my credit report. I brought this to there attention and was told id have to do it over the phone. But when I call them to do it that way they ca n't do it either and tell me I have to file online. Its XXXX XXXX and this company is so incompetent they should never be in charge if peoples credit info

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: PA

Complaint narrative:
Transunion shows XXXX 's on my credit file as a charge off and there is no charge off Charge off is the same thing as not paid. 
I have provided a letter from XXXX 's Credit department.

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 2017-11-23 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: CA

Complaint narrative:
Equifax credit reporting continue to report inaccurate information on my credit report violation of Fair Credit Reporting Act section ( 604 ) ( 605B. ) ( 609 ) and ( 611 )  Equifax has not verified third party information as 100 % accurate disputed items are XXXX XXXX XXXX XXXX acc # XXXX also XXXX XXXX XXXX acc # XXXX in the amount of XXXX, also XXXX XXXX XXXX acc # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filling this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: PA

Complaint narrative:
Experian shows a charge off and there is no charge off The account was paid. charge off is no payment and money owed.

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 2017-11-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My problem is with Experian Credit Reporting Agency Approximately 3 years ago,, I disputed a number of items on my credit report, especially those that were opened over 7 years ago. They refused to remove it and said it would n't be removed until XX/XX/XXXX ( 15yrs later ). 

I 've been the victim of identity theft and notified them of this also and therefore requested any old information and inaccurate information be removed. 

I 've worked hard to maintain an excellent credit rating and now it 's dropped over 100. This is n't a true reflection of who I am or my beliefs as a person and its ' worth fighting for in my opinion. 

For the record, I had no issues from XXXX XXXX when I made the request. 

My email : XXXX and you have my address please correspond accordingly. I 'd like to correspond by phone but I do n't trust it any more. 

Example : XXXX XXXX opened XX/XX/XXXX, closed and in good standing when closed over 3 years ago ( XX/XX/XXXX ). 

XXXX XXXX XXXX : Opened in XX/XX/XXXXClosed No XXXX XXXX XXXX has ever had a late payment. I made 2 payments in XX/XX/XXXXfor both XX/XX/XXXXand XX/XX/XXXX.  However a late payment is shown in XX/XX/XXXX Asked to be Corrected - No change Remove all Credit System International - Never received a bill. Paid once I saw on the Experian report. 

All Accts below are either over 7 yrs old or not mine ( fraud ) : XXXX Formerly XXXX - Not my acct. 
XXXX XXXX/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 2017-11-23 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: OR

Complaint narrative:
On dates approx XX/XX/XXXX I was locked out of my online access by Discover Card services. This continued for 3-4 weeks and they refused to talk to me over the phone regarding my account. When I was allowed to log into my account by Discover Card I learned during the time they blocked me from my account fraudulent charges have occurred on XX/XX/XXXX for {$1500.00} & {$430.00} from XXXX XXXX while my card was not in my possession. They failed to properly monitor my account while ignoring my security concerns about not being able to access my account and my wallet with my cards where stolen. I filed a police report with the sheriff on XX/XX/XXXX. I the gave XXXX the police report number. It has been almost 1 year and I have been stone walled by all the representative and they have passed me off to coworkers saying the are supervisors while they are not. No chance getting someone real with authority to resolve this internally. They are holding my credit report and score hostage by making me pay these fraudulent charges even as of XX/XX/XXXX. So far I am out {$7500.00} as of XX/XX/XXXX. 
According to The Fair Credit Billing Act ( FCBA ) which is the Federal law that protects me in this situation I would like a resolution according to the FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
My issue with Navient began back in XX/XX/XXXX. I was battling XXXX XXXX. I was undergoing XXXX, XXXX treatments, and ultimately ending up having XXXX. As a result, I had to stop going to school full time and dropped to part time and had to leave my job. This forced me to use savings towards healthcare expenses and taking care of my XXXX sons. I fell on a financially rough times, and was unable to make my student loan payments. I called into Navient to explain the situation. I was told that the school will notify them of my change in status and it would still be in deferment. I went to the school and let them know my health situation. I was told by a rep in the business office that I would be fine. However, I was not, I pulled my credit in hopes of purchasing a home in XX/XX/XXXX. I saw 6 late payments. I discovered 2 late payment was reported on XX/XX/XXXX and XX/XX/XXXX and for two of my accounts. I also discovered 1 late payment was reported on XX/XX/XXXX and for another two accounts. I have several other accounts that were not affected at all. Which is baffling to me, because they were still in deferment when the other 4 accounts were not. Also during that time I was not informed that I was out of my deferment period. I sent out a goodwill letter along with Supporting documentation on XX/XX/XXXX. However, they denied my requested. I called several time to get the matter resolved. Then Navient started adding balances and subtracting balances from my accounts seems like weekly. Which has yet to be explained to me by a representative of Navient. This is also adversely affecting my credit score. I am trying to purchase a home and the frequent updates are detrimental to this process. They have not notified me in writing yet on why the frequent amount changes has been taken place. I am respectfully asking that all 6 late payments during the XX/XX/XXXX-XX/XX/XXXX be removed and set current. Also, I want all loans older than 7 years off my credit, as that is more than the Statute Of Limitations for my state. I need this done as soon as possible, because Navient is doing illegal collecting and reporting practices. Thank you so much in advanced!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: Total Card, Inc.
State: CA

Complaint narrative:
Here I am again with this same company! Who now after my most recent complaint decides to finally mark the account as closed on XX/XX/2017 which again is INCORRECT reporting. Second they decide to mark my account as 30 days past-due on the same day! The payments are due every XXXX of the month Were not at the XX/XX/XXXX yet which makes it impossible for me to be 30 days past-due. This company really needs to stop illegally reporting this account on my credit. I will move forward with other action if they dont be fair and REPORT CORRECTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: VA

Complaint narrative:
Voluntarily offered collection company {$500.00} to settle acct. Accepted. Stated would remove from credit hx. Remained on credit report as paid in settlement. Disputed XX/XX/XXXX as I was expecting acct to be deleted from my credit report. Scheduled to be removed 7 years after original loss, report would expire off my credit hx in XX/XX/XXXX. By requesting removal of report, Experian updated, as below, and now my report will show as bad collections ( Paid in settlement ) until XX/XX/XXXX. That 's what you get for trying to resolve the situation. 

Status : Paid in settlement. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX.

Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/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 2017-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Sir, I have a Sears MasterCard. This card is issued and serviced by Citibank on behalf of Sears. I usually pay all of my monthly bill using my bank 's online bill paying service. On XX/XX/XXXX I paid a group of bills. I thought that I had paid my Sears credit card bill of {$16.00}. However, I must have made a clerical error and skipped this bill by mistake. 

Soon after the Sears credit card due date of XX/XX/XXXX a started to receive a daily Robo call from Citibank on my home land line. These calls were coming from phone number XXXX. Every day I received a recorded message to call Citibank regarding my Sears account at XXXX. No reason way given. 

I hate Robo calls and find them very upsetting. As a result, my home land line is on the WWW.DONOTCALL.GOV list. This did not deter Citibank from Robo calling my home land line on a daily basis for weeks. 

When I received my next monthly Sears Credit card statement in XX/XX/XXXX, I realized that I had missed my prior payment. I was charged a late fee of {$16.00} which is 100 percent of the amount that I owed and 1,200 percent on an annualized basis. I was also charged {$2.00} in interest at an annual rate of 26.24 percent. 

When my XX/XX/XXXX payment was posted on XX/XX/XXXX the daily Robo calls finally stopped. 

On XX/XX/XXXX I received a letter from Citi Cards explaining that my XX/XX/XXXX payment due on XX/XX/XXXX was over due. At this time I had already made my XX/XX/XXXX payment. This letter was useless since it was n't mailed out until almost a month after the Sears MasterCard statement due date. 

My main complaint against Citibank is their policy of continually making daily Robo calls to customers who are on the FTC do not call list. This should not be allowed. Even if someone is not on the FTC do not call list, I consider these persistent daily Robo calls to be form of harassment. 

Citiibank 's Robo calling practices should to be stopped. 

Thank you for you assistance.

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 2017-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: OK

Complaint narrative:
I had a final balance of {$68.00} due to Conns in XX/XX/XXXX, unfortunately i was not able to make the final payment until XX/XX/XXXX. I logged into my account www.conns.com and clicked on " Pay your bill '' on XX/XX/XXXX and attempted to make a payment of {$68.00} plus the late payment bringing the final balance of {$72.00}. I got a message stating credit card payment declined. Do no honor. Please contact customer service to make a payment. 

I received two collection letters for XX/XX/XXXX and XX/XX/XXXX stating my balance is {$72.00} and that the benefits of paying conns is no more collections calls. The letter also stated I could make a payment at www.conns.com, the same website that will not honor my debit card. 

I am continually getting up to 20 calls a day on my phone to resolve this issue. I will not talk to any customer service and about my payment. I want to make my final payment of {$72.00} XXXX and not through customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-23 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
on XXXX of this year a sent MEDICAL DATA SYSTEMS D/B/A XXXX XXXX XXXX XXXX, FL XXXX a Dispute letter they responded on XXXX XXXX of 2017 Confirming they can not locate an account/s with the information provided on my Dispute Letter, FEDERAL LAW requires that only Accurate And Verifiable Information be Reported to a persons credit file MEDICAL DATA SYSTEMS can not Locate the Information on account/s being reported by them on my credit file i provided them with the EXACT SAME INFORMATION they are reporting to the credit Bureaus and if they can not locate and verify this information they are clearly IN VIOLATION OF FEDERAL LAW please see attached response letter from MEDICAL DATA SYSTEMS confirming THEY CAN NOT LOCATE INFORMATION BEING REPORTED BY THEM TO 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 2017-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS

Complaint narrative:
Carrington Mortgage assumed my loan from XXXX in XX/XX/XXXX this is the third company this year to have my mortgage. I was in the middle of a modification with XXXX XXXX XXXX when the mortgage was sold to XXXX. Then again began a modification with XXXX and the mortgage was sold to Carrington. I received a request to pay stubs for the previous thirty days from Carrington due by XX/XX/XXXX I had just started a permanent job also sending Carrington the offer letter received from my current employer. I began the job XX/XX/XXXX. I did send my previous pay stubs from a XXXX position which ended XX/XX/XXXX. I have received two checks from my current employer emailed everything to Carrington. I had only received on check by the time frame given and emailed directly. They have now cancelled the request because they did not receive the information when requested! How ridiculous. I was injured at work in XX/XX/XXXX had XXXX XXXX XX/XX/XXXX and was unable to work for several months and had not received work comp benefits for several months. There is a letter from my attorney stating this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC
State: IL

Complaint narrative:
I recently closed on a mortgage purchase with XXXX XXXX for a condo in Illinois. The closing was completed at the end of XXXX 2017 and the loan was sold to XXXX XXXX shortly after closing. XXXX XXXX is the current loan servicer and was the loan originator. Shortly after closing my loan, I began receiving multiple email notifications from XXXX XXXX to obtain a consolidation personal loan. Also, when I login online to view my mortgage account information, the XXXX XXXX promotion appeared. I later received a pre-approval confirmation and was approved for an XXXX consolidation loan with an auto-payment of approximately {$300.00} a month for a 3-year installment loan term. XXXX XXXX was then assessing a {$400.00} loan origination fee which I later discovered and the interest rate / apr range was 22-29 % ( also inflated from the original information provided ). My intention was to use these funds to consolidate various debts which ultimately would reduce my monthly payment obligation ( save me money ) and covert to a fixed installment repayment term. I received several communications from XXXX XXXX confirming my loan was approved and directing me to complete/sign my loan documents to fund the loan. I am including copies of these various communications as an attachment for reference. All of a sudden at the very end, I received an adverse action notice as was advised the loan funds would not be provided. Overall, the marketing information received from XXXX Loans was deceptive and provided clear direction the pre-approval, approval, and loan documents were good to go. Obviously this was a loan consolidation effort on my part which ultimately would have provided benefits in reducing my monthly payment obligation and would allow me to consolidate debt. I will admit the {$400.00} origination fee was not necessarily disclosed upfront at the time initial email communications began, but later in the process as the loan documents were getting prepared for signature I noticed this fee appear. Additionally, the initial interest rate/apr information provided was much lower ( less than 14 % ) than the later documentation conveyed of 22/29 % ( interest rate/apr ). The more I thought about what occurred, I realized how deceptive these communications were especially since I began receiving them shortly after closing on a recent mortgage loan with XXXX XXXX. I hope the supporting documentation will aid the CFPB in looking into this matter further. If this happened to me personally ; this is also occurring to other applicants which simply is n't right. Something is wrong here and an investigation should be conducted immediately.

Company response to consumer: Closed with explanation