vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of XXXX and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. XXXX also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!

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 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of XXXX and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. XXXX also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 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: KY

Complaint narrative:
On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of XXXX and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. XXXX also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!

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 2019-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I opened the XXXX store card on XX/XX/XXXX with a promotional offer. I received my physical card in the mail on XX/XX/XXXX and I received my statement in the mail on the XXXX of XXXX. I went online today XX/XX/XXXX to create my account and pay my bill. I was assessed a {$27.00} late fee ( 33 % of my total balance of {$81.00} ) and was informed that the statement " closed '' XX/XX/XXXX and that my payment was due 23 days later on XX/XX/XXXX just 24 days later! How can this be? I opened the card on XX/XX/XXXX and just 25 days TOTAL later from the day I opened the card, the payment was due? Then they can charge a fee that's 33 % of the balance? 

I called and they reversed the late fee and said that it " depends on when the statement closes. '' How is a customer opening a card supposed to know when the statement closes? How can a statement close the day after the card was opened? How can a late fee be 1/3 of the total balance? 

I feel their practices are deceptive. I feel that they are putting people in a bad situation. I feel that if I wasn't as on top of things as I am, I would have been out {$27.00} and had a late mark on my credit. 

I would like this practice to be investigated both internally and externally as I can't imagine I'm the only one in this situation.

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 2019-08-15 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
We received a bill from Ally Financial on XX/XX/XXXX and XX/XX/2016 and they stated that we owed {$590.00} for damage and excess wear on our XXXX XXXX. We turned the car in 6 months early so there wasn't any excess wear and there wasn't any damage on the car. The dealership reviewed the pictures they sent and couldn't see any visible damage. We sent them a check for {$100.00} and felt that was all we owed. 
Since then they have harassed us with phone calls and letters. We just found out that they have placed a bad mark on our excellent credit record. We are in our eighties and have always paid our bills on time. 
We find it very unfair that a company can do this to us. We would like some advice as to how we can get this off our credit 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 2019-08-15 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: Georgia Student Finance Authority
State: FL

Complaint narrative:
I have repeatedly tried to get incorrect information taken off of my credit report. My credit report shows that my XXXX  loan was 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. This account was closed or transferred in XXXX therefore any reporting after that is inaccurate. The company will confirm this with me over the phone, but will not correct this issue with XXXX and will not send this to me in writing. I have made many repeated attempts to remedy this issue. This is greatly affecting my credit score and my ability to purchase a home.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
At XXXX on the morning of XX/XX/2018 Senior Sales Agent XXXX XXXX from Quicken Loans called me to inquire about information that I filled out online. Within 5 minutes, he proceeded to explain how he was going to help me today and without verifying my identity, gave me a full name, DOB and social security number of an individual whose information ... ... I could have easily written down and saved for myself to steal the identity of? He then repeatedly called me from his personal cell phone and other work numbers to try and pretend like it wasnt him so he could get me to tell him who I was, which Im sure personal cell phone use is against the company policy. He has been doing this for 15 years he says and I wonder how many identities have been stolen from XXXX XXXX. Seems like he is notorious for making his own policies. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Company is attempting to collect on a debt That was last paid in XX/XX/XXXX to another collection company. The date of last activity was more than 7 years and should be reporting. The account Delinquency date reported on Credit File is incorrect its showing XX/XX/XXXX and it should XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect information report on my Experian Credit 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 non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: United PanAm Financial Corp.
State: NV

Complaint narrative:
I do not have an account with this company however they called about my abusive ex husband at XXXX XXXX  asking if I know where he lives, a number or a job. One I have an active chuld support case hes not paying, my children haven't seen him in years, and I get woke up at XXXX XXXX. She never stated the mini Miranda or stated the call wpuld be recorded and when I called back to speak with the supervisor she was rude as well. I will not be harassed for a debt I have no ties too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: NY

Complaint narrative:
Old information reappearing

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 2019-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I purchased XXXX virtual tokens ( also called REP ) in 2 separate transactions, one on XX/XX/XXXX and one on XX/XX/XXXX, from Coinbase Pro for a total of {$780.00}. I tried to withdraw these tokens to a wallet address sometime between the XX/XX/XXXX purchase and XX/XX/XXXX, which was when I notified Coinbase that I was getting an 'internal server error ' message when I attempted to withdraw to a wallet address. Coinbase asked me more questions about the issue and claimed they sent my problem off to a specialist to further investigate the issue on XX/XX/XXXX. Since then, I have not heard from anyone besides Coinbase 's first line support that yes, my case has been sent off to a specialist, but they will give no further details. I have been patiently waiting for answers for almost 1 month, which is far beyond the 4-5 day resolution time they initially quoted me. Coinbase is putting me at risk of losing my tokens in the event of an exchange hack or a delisting. The entire point of cryptocurrencies is that you can send them when and where you want without a third party getting in the way ; however, this is exactly what Coinbase is doing and they won't give me answers or try to remedy my situation. In essence I've been sold a worthless product by Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
On XX/XX/2019, I received a notice from JP Morgan Chase Bank, N.A that checking account that was opened in my name was being blocked due to not providing information that the Bank requested. On the same day, I received a Chase Debit card also in my name for this account, card number : XXXX. I did not open this checking and contacted Chase Bank 's fraud department. I informed the Bank that the account was fraudulently opened in my name and asked that it be closed immediately. I also requested details of how, where, and when the account was opened in my name. The individual that I spoke with refused to provide me with any information regarding the account unless I provided her with my Social Security number. I refused to do this, as I am uncertain what information the Bank has. I requested a supervisor, who also refused to work with me to resolve this issue. I then filed a report with Identitytheft.gov and sent a form letter that was provided to JP Morgan Chase Bank, N.A on XX/XX/2019. Todate, I have not received any reply from JP Morgan Chase Bank, N.A. My concern is that a checking account was fraudulently opened in my name and Chase has been unresponsive to my inquiries or letter.Because of this fraudulent checking account, I have been forced to place a " Fraud Alert '' in my name with all of the credit reporting agencies. This has resulted in difficulty in opening new credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The attached letter has my issue and my XXXX Report number that was provided to XXXX XXXX that has unfairly increased my rates b/c of how XXXX reports revolving accounts. No one should be paying more for insurance b/c of XXXX  's reporting practices. Had they received their credit information from Equifax, who correctly reports that I have two installment accounts, my rates would not have been higher. XXXX also reports that I have 8 open revolving accounts, when in fact I only have two open credit cards. They include my credit limits of the closed accounts as available credit in their summary on my credit report and in the information they provided to XXXX which was then provided to XXXX XXXX. The " high credit '' reported is inaccurate. This has increased my insurance rates for the last 6 months. XXXX XXXX will not accept credit information from Equifax and therefore will not reduce my insurance or refund what they have overcharged me for the inaccurate credit reporting practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my consumer credit report I noticed several fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Company said I was late on a payment but was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My sister passed away in California, 47 days later my Mother had accident and XXXX   XXXX out of state. In 6 institutions with my Mother on 2 different XXXX at work, XXXX XXXX. XXXX said you know this job, you were our # 1 XXXX XXXX, we like you however your job is over today. I asked when I would get paid for my new contracts being installed in next days? XXXX said never. I got a default because of life situation, I did my best to avoid. However Nelnet told me the only way to get out of this is start making direct deposit payment of minimal amount. Then I found under employed job while looking for another job, requested income base pay plan. I have reached out to Nelnet since XX/XX/2019 that amount is incorrect, 73 calls and 43 emails later still no resolution. Managers I requested, since no advisor could help or were documenting previous calls. Manager XXXX XXXX never called me back. Manager XXXX XXXX left message to busy with meetings. So I went to guarantor XXXX, forwarded my documents, and XXXX said would file a complaint, XXXX did not file complaint, mislead again. Who would have thought 12 years ago surviving near death accident, being told by Dr 's probably would not work again. No assistance at Nelnet Beware!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After reviewing my consumer credit report I discovered several fraudulent and inaccurate accounts.

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 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax and XXXX are reporting incorrectly a collection in the amount of {$14000.00} on the XXXX  XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) The original creditor is XXXX XXXX and this debt was released to XXXX XXXX XXXX XXXX XXXX ( Please see the attached letter dated XX/XX/2019. ) I am making payments on this account directly to the attorney of record. ( Attached is an accounting of payments made to date. ) I contacted XXXX XXXX and spoke to a representative requesting they contact the ( 2 ) bureaus to have this line item removed from my credit report. This account has been sent to collection and XXXX XXXX XXXX, XXXX hold the note. Therefore, XXXX XXXX needs to update the information on my credit report and accurately report that this account balance is zero and this debt has been released. Reporting a collection that has been released with a XXXX  balance is illegal and this incorrect reporting is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my consumer credit report I discovered several fraudulent and inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After reviewing my consumer credit report I discovered several fraudulent and inaccurate accounts.

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 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I did business with XXXX XXXX XXXX XXXX, and terminated my business with them in XX/XX/XXXX. They sent me a bill which was inaccurate, and I challenged them on the charges without response. XXXX XXXX XXXX hired Credence Resource Management LLC ; for which this complaint is against. I did not contact Credence directly ; but instead disputed the hit on my credit file with XXXX on XX/XX/XXXX. XXXX denied the dispute on XX/XX/XXXX stating Credence had proven the debt. 

Credence sent me altered XXXX XXXX XXXX documents on XX/XX/XXXX, with obvious cut and paste portions to make it appear the bills were sent to me by XXXX XXXX XXXX in XX/XX/XXXX ;  which they were not. I did a photo-scan of all the documents with notes and submitted them back to XXXX today ; XX/XX/XXXX to reopen and investigate not only the claim, but also the fraud Credence was trying to pass. I have not received any direct correspondence from XXXX XXXX XXXX for years, and my numbers and address have not changed in over 10 years. 

I would like to have my credit file corrected, and Credence investigated and penalized for fraud.

Company response to consumer: Closed with explanation