vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Immediate Credit Recovery
State: UT

Complaint narrative:
Immediate Credit Recovery Inc is the company attempting to get money from me. I did not even know they existed until they started garnishing my wages. I filed BK and when it discharged I got a letter from them in XX/XX/2018. I called and spoke with a representative about rehabilitation. She was not performing the rehab correctly and was not very helpful in trying to get this worked out. I called back to see what other options we had only to be hung up on and now not other phone call or contact and just got notifed about them taking garnishment again. I am in a rehab with another servicer and consolidation with XXXX. They do not care to work things out and it is clear they fully intend to only get their money through garnishment to claim a higher recovery. This can not continue especially since I have XXXX children and a total of XXXX in my house hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
I sent a complaint on XX/XX/XXXX reguarding incorrect information on my credit report. This complaint ID is XXXX. My dispute nor my complaint was regarding balance details. 

I am aware that a trade line must be a XXXX balance once it is transferred. This is was not my complaint. I did not request to know the information on who you sold/transfer the debt to. 

My complaint is to challenge the payment history that is showing up that this account was late inXX/XX/XXXX. ( It was not ) Your reporting says that my report shows a K or repo - indication in XX/XX/XXXX. ( It was not repossessed in XX/XX/XXXX ) The reason for me citing my Chapter XXXX Bankruptcy is because your company still reports that this is a current charge of an that I CURRENTLY have this as a status on my credit report. Other reports show status as No data/ This is inaccurate. 

Your reporting also shows that my last payment date was XX/XX/XXXX. If your reporting is CURRENLY accurate, how can this trade line be K in XX/XX/XXXX, but then have a payment from me on XX/XX/XXXX? 

Which is it? 
Did the account K in XXXX? 
Was my last date of my activity in XX/XX/XXXX? 

Your reporting is all over the place. This is why this account must be removed! 

Due to this I want this trade line deleted. It has been more than 30 days from my initial disputed.

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 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: WA

Complaint narrative:
We had been using Keybank since our XXXX started XX/XX/2018. We had for convenience created a relationship with XXXX on our website. We had our first big event XX/XX/2018. We used XXXX " swipe '' for our evening of food, entertainment, auction, and raffle. The next day when we attempted to access our funds we were met with " unusual activity account is locked ''. As you can imagine we  were shocked and amazed that our funds we needed for entertainment, vendors etc. was being held. We had never had funds held by XXXX before. I immediately contacted Keybank to inform them of the problem and they proceeded to charge us over {$800.00} in overdraft fees. The problem was not solved for 2 weeks and Keybank continued to charge us over and over again overdraft fees. We complained to the manager, he said he spoke to his higher-ups ... nothing was resolved and they did not reverse the funds taken. We are now complaining to the Executive Team of Keybank in XXXX Ohio. We made a complaint with the Attorney General of Washington they did get to XXXX for us. XXXX continues to state they did everything right. We are stuck between two giants and we are a small XXXX. We believe that we had no negligence and no fault on our behalf. We do not understand how a bank can justify benefiting from a customers unfortunate circumstance. We would like you to approach Keybank with this problem on behalf of XXXX XXXX XXXX XXXX XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: LEXISNEXIS
State: OH

Complaint narrative:
I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX   There is more than one XXXX XXXX in my area and I dont want my information confused with his information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Was in auto pay program with XXXX XXXX XXXX. The autopay was set up and schedule to be paid on 30 of every month.. XXXX did and always had there money on the 30th.  The problem lies with Bank of America not removing the funds in till days later when myself and wife think its already bern removed.. Month after month BofA did this on my account which should not be permitted..

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 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One has failed to provide proof funds were received from a closeout check reissued on XX/XX/XXXX, delivered the following day on XX/XX/XXXX. Prior to this, a check in the same amount of XXXX was mailed on XX/XX/XXXX, received on XX/XX/XXXX, the day before I left for vacation. This check had a stop payment placed on it prematurely, Capital One reps did not allow enough time for first check to receive before placing stop payment, reissuing it. I left for XXXX XXXX the morning of XX/XX/XXXX, XXXX XXXX with XXXX XXXX XXXX picked me up, drove me to XXXX Airport at XXXX XXXX, XXXX XXXX can be reached at XXXX. I have attached a statement from Mr XXXX stating he picked me up on said date and time, the itinerary from XXXX is also attached. I spoke with a supervisor named XXXX on XX/XX/XXXX, he stated if check was in fact intercepted and cashed by another party as it was then I am still owed funds by Capital One, he requested a replacement check. A reply from another rep, XXXX, states no check will be sent. Prior to this, I've requested Capital One review signatures on both checks, they will see signatures do not match. This was requested yet again, Capital One requested additional time to respond, then turned around and marked complaint as a duplicate. They fail to recognize this fact, my signature was forged, if they did so, they would have to reissue check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I spoken with a representative from capital one credit card company about seeing XXXX hard pulls from there company on my XXXX, XXXX, and XXXX credit report I have two accounts with this company I wasnt made aware that these was hard inquiry Pulls dates XX/XX/XXXX and XXXX XXXX and XX/XX/XXXX. Why was my credit pulled twice in XXXX for one card which I dont recall the representative telling me it was a hard pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV

Complaint narrative:
Fifth Third mandates I pay an escrow even though Fifth Third has failed to pay for my homeowner 's annual insurance premium. Fifth Third now  acknowledges my homeowners is with XXXX XXXX and acknowledges the correct premium dollar amount of {$900.00}. However, Fifth Third has the payment due to XXXX XXXX in XX/XX/XXXX when the actual date the annual premium is due is XX/XX/XXXX. I have attached two items from XXXX XXXX showing the premium is due in XXXX. Fifth Third did not pay the premium in XX/XX/XXXX. I was forced to make the payment or be lapse in my homeowners insurance. I thank Fifth Third for their letter dated XX/XX/XXXX detailing my starting escrow balance of {$1000.00}. My required escrow balance is {$1000.00}. I already have {$33.00} excess in my escrow balance and Fifth Third is forcing me to pay escrow for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX or an eight additional months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2018 I received notice that my account with XXXX XXXX XXXX was removed from my credit report and I noticed that it has been reinserted on my credit report. I was never notified that this item was being reinserted and per the Fair Credit Reporting Act the credit bureaus are supposed to notify me in writing within 5 days of the re-insert date. Please have this account deleted off of 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 2019-02-14 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: MO

Complaint narrative:
These inquiries, unrecognized by me, are posted to my report : XXXX   XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX. XXXX XXXX XXXX XXXX,XX/XX/XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX. 
XXXX, XX/XX/XXXX ( twice ). XXXX/XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX and 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 2019-02-14 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: ACS Education Services
State: CA

Complaint narrative:
Have been trying for months to get a forbearance on my loan the old acs number says no longer in service and the new number says no ssn on file then just hangs up without connecting me. My account will go into default because I can not reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis is keeping inaccurate and incomplete information on my Current Carrier Insurance report. I have contacted them and send them all the declaration pages from my auto insurance policies for the past 7 years so they could correct it but they have not done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: Innovis
State: OH

Complaint narrative:
I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is more than one XXXX XXXX in my area and I dont want my information confused with his information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is more than one XXXX XXXX in my area and I dont want my information confused with his information.

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 2019-02-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was going over my credit report and I noticed a few errors. I was reading according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification  of the original signed consumer contract - any and all accounts you post on a credit report, this was definitely not done. I demand the following accounts to be deleted : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After receiving credit card to home address from company i immediately called to request my bills be sent to my home address as well. Bills still unknowingly when to alternative address, causing a 40day past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-14 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: FL

Complaint narrative:
I contacted all three major credit bureaus in XXXX, 2017 and alerted them to an ID Theft that I had just discovered had en occurring for many months. My losses are in the hundreds of thousands of dollars is misappropriated funds from my personal and corporate bank accounts. I also filed reports with State ( Local Police ) and Federal Law Enforcement ( FTC ) Agencies and furnished the Credit Bureaus and Every Creditor on my affected accounts with copies of the reports. I further verified the Complete ID Theft and Account Takeover with all three major the credit bureaus who had notified me that all of my personal information and account access credentials were available for sale on the underground web online. Both XXXX  and XXXX XXXX Credit Reporting Bureaus Verified the Complete Identity Theft and complied with the Federal Laws on Credit reporting by Blocking the fraudulent accounts from being further reported. I have also had to file Seven Lawsuits in Federal and State Courts against the Creditors who failed to restore the misappropriated funds to my accounts and I provide Notice of Court Case filings to the Creditors and all Three Credit Bureaus. According to every attorney I discussed this situation with, the Bureaus are Compelled by the Federal Fair Credit Reporting Rules and Laws to Block reporting of the Verified Fraudulent Accounts as well as the Creditors Removing any reports and stopping any further reporting on the Verified Fraudulent Accounts. The Equifax Credit Bureau was duly notified in writing many times over the last several months but until today they have ABSOLUTELY REFUSED to Block any Reporting of the Verified Fraudulent Accounts despite Verifying the ID Theft and Takeover and after receiving multiple Notices of Court Case Filings, which takes the account status from a Verified Public Debt and into the Law Enforcement and Court Domain for  Adjudication and is a Verified Fraudulent Debt. Equifax keeps insisting that they are DISPUTING The Verified Accounts with the Creditors and NOT BLOCKING them from being reported per Federal Fair Credit Reporting Laws. I have filed for Court Injunctions against Equifax for continuing to report verified Fraudulent Accounts as Valid Public Debt and have also delivered Cease and Desist Notices to them to no avail. They are Breaking the Federal Laws under which they are Licensed, Regulated and Operate with Blatant Disregard to those laws. I NEED the CFPB 's HELP in addressing their CRIMINAL BEHAVIOR and Forcing them to comply with the Federal Fair Credit Reporting Laws which they are IGNORING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/ 2018 I made a purchase while abroad. That same evening I wanted to cancel the purchase however was unable to reach the merchant ( after store hours ) so I called Capital One to stop the transaction. I was told that Capital One could not stop the transaction and was given directions, which I followed. The next day, during business hours, since I was traveling and already out of the area, I telephoned the merchant, asking that he cancel the transaction. It turned into an unpleasant conversation. He told me to contact my bank and that he would stop the shipping. 
In the ensuing three months of a dispute claim with Capital One, the merchant, in a response to Capital One, stated that I had in fact cancelled the transaction and that he did not ship anything to me. 
Capital One, who initially took the charge off of my card, has re-billed my card for {$2100.00}. They've told me that the timeline for a dispute will be ending XX/XX/XXXX and that they can no longer move forward with the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion reporting fraudulent and innacurate info that is in violation of FCRA regulations. Also, TransUnion had wasted on average of 2 hours per day, due to uneducated, incompetent, purposely installed customer service reps located in XXXX so that TransUnion creates an impossible process to dispute items. TransUnion should be ashamed of themselves but they obviously won't be because TransUnion goes out of it's way to XXXX the American consumer. They will have their day of reckoning with the department of Justice, along with XXXX. They need to change my report specifically the XXXX XXXX account. I have never been late, nor do I have a balance with XXXX XXXX. Also, they are not reporting my student loans accurately. They will make excuse that they rely on data from company that they receive kickbacks from, when in fact I have communication from respective company 's on my report that states they contacted TransUnion to change info but transunion did not comply. 

Social security number 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 2019-02-14 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I pulled a copy of my credit report and there are address on there that I dont know where they came from. Ive never lived at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX-XXXX XXXX XXXX XXXX XXXX GA, XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX. 

My correct address is : XXXX XXXX XXXX XXXX WA, 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 non-monetary relief
Consumer complaint received 2019-02-14 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: WA

Complaint narrative:
I pulled a copy of my credit report and there are address on there that I dont know where they came from. Ive never lived at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX. 

My correct address is : XXXX XXXX XXXX XXXX WA, 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