vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 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: MO

Complaint narrative:
THIS IS MY THIRD REQUEST TO DELETE THESE ACCOUNTS FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE NOR APPLY FOR. EXPERIAN DELETED THE INQUIRY BUT NOT THE ACTUAL ACCOUNT. WHAT SENSE DOES THAT MAKE. THEY DO NOT BELONG TO ME   XXXX   XXXX   CARD AND   XXXX   XXXX   ( OPEN SKY ) If you viewed the attached documents.. My birth certificate CLEARLY shows my correct date of birth which is   XXXX   XXXX   1983.. That is not what 's being reported. Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.

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 2017-08-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Sent my first formal complaint letter to Capital One back on XX/XX/XXXX requesting to move the inaccurate 30 day late from XX/XX/XXXX on account # XXXX. I sent it via USPS Certified mail ( # XXXX ) and also stated that per FCRA sections 611 ( a ) ( 1 ) they were to respond to my request within 30 days of receiving my request. I never got a response back from them, not within the 30 days that I sent out that letter. even used USPS tracking and have confirmation they received my letter, properly delivered to them. I wrote them another letter on XX/XX/XXXX and shortly after got a letter from Capital One saying they did n't know what account it was, and I did n't give them enough information in my dispute. My account 's late is still reporting inaccurately and negatively on my credit report and they are in direct violation of the FCRA. I do not want to keep writing dispute letters to them and re-sending the same documents and proof of my initial request sent via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The letter below is what I sent to Transunion requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by Transunion. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,

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 2017-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: GreenSky, LLC
State: TX

Complaint narrative:
I received promotional financing through XXXX XXXX for 24 months no interested. My total purchase was in the amount of {$2500.00}. I made a {$250.00} payment on X/XX/2017 and another {$250.00} payment on X/X/2017. Due to the promotional financing I received, my balance should reflect {$2000.00}, however the balance reflects {$2100.00} online. I contacted GreenSky and was advised that the website was newly developed and that when I receive my statement in the mail I will see that everything is reflected correctly. However, I received my statement in the mail and it reflects exactly what is online. The balance reflects a finance charge in the amount of {$51.00} and my next payment amount is showing the be that exact amount. I am not understanding why my payments are being applied to interest if interest will be waived if I pay off the account within the 24 month promotional period. I contacted GreenSky again today and the agent I spoke with was rude and placed me on hold for several minutes with no resolution to my concerns. I think my billing statements are incorrect and my payments are not being applied correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
1. I requested from American Education Service ( AES ) all of the documentation concerning the loan. The loan was originally with XXXX which was turned to XXXX XXXX. I asked AES to provide me with the documents stating what company owns the loan and the transaction documentation when the loan was transferred or sold. AES responded that they were unable to provide the information. 2. I was told when I first got the loan that I could remove the cosigner after making 24 payments. Now they have changed the rules : a ) You can not have had a deferment. b ) When making payments, you must wait 30 days before submitting the next payment. This is to prevent a person from paying the 24 payments quickly. 3. The terms of this loan are very difficult, almost fraudulent. The loan was for {$16000.00} in XX/XX/XXXX and no payment until XX/XX/XXXX. In XX/XX/XXXX, the balance was {$21000.00}. A deferment was requested and in XX/XX/XXXX the balance was {$24000.00}. I made payments in Starting XX/XX/XXXX to XX/XX/XXXX and the balance remained the same at {$24000.00}. The balance has fluctuated up to {$26000.00} in XX/XX/XXXX and is {$25000.00} as of XX/XX/XXXX. At this rate I will never be able to pay off this loan. I have  attached my loan payment history. The payment is currently {$210.00} per month. I have asked AES if I could modify the terms of the loan but they said they would not change it. 4. If AES or the lender who currently " owns '' the loan can not provide proof that they truly own the loan or service the loan, then by law they can not collect payments for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: FL

Complaint narrative:
I am requesting assistance in removing a negative tradeline from my three major credit bureau reports from Carmax Auto Finance. In XX/XX/XXXX I was a cosigner on a vehicle purchased by my then wife. We separated in XX/XX/XXXX and she was awarded the vehicle in the settlement. I retained no ownership and no longer had access to the vehicle or any accounts related to it. In XX/XX/XXXX I attempted to purchase my own vehicle only to be denied and to learn that the reason was because the Carmax loan had been paid 30-60 days late many times over the last few years and was currently 30 days late as well. Upon learning this, I contacted Carmax and discovered that I had never been removed from the account after the settlement awarding the vehicle to my wife. I requested to be removed, but they stated that they could n't do that while the account was still open. I immediately paid off the loan myself in order to resolve the issue. Once it was closed, I again requested to be removed, but was then told that it was not possible as the account was already closed. I then requested that the negative tradeline be removed from my reports as I was not the owner of vehicle, nor was I ever made aware that the payments were n't being made on time. Carmax stated that it is not their policy to remove items from credit reports. I have made this request several times, as recently as XX/XX/XXXX as the negative reporting continues to cripple my own credit even though I do not own the vehicle. I am submitting this complaint under the Fair Credit Reporting Act which requires that before any negative items are placed on a consumer credit report, the creditor must notify the consumer. I never received any phone calls or letters or any correspondence from CarMax regarding this account. I was never informed that it was late, nor that any negative items would be put on my report. Carmax states that they sent correspondence to the primary account owner as is their policy. I am not the primary account holder, so no correspondence was sent to me. All I am asking is for the tradeline to be removed from my credit reports. The FCRA does not require tradelines be reported so removal is certainly allowable and very common. The purpose of accurate credit reporting is so that a true representation of a consumor 's credit worthiness is available to potential creditors. This tradeline is not a fair representation of my creditworthiness as the account is not mine, and I was never made aware of issues or given an opportunity to prevent delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
On XXXX XXXX, 2017 I closed an account at SunTrust Bank - XXXX XXXX XXXX branch ( # XXXX ) by having the funds wired to two separate entities. I was told the bank charged {$35.00} per wire, so the total amount wired was {$70.00} less than the balance. The banker wanted to directly debit the account for the wire fees rather than accept my cash payment for them. I subsequently received numerous dunning notices from the bank - initially for {$30.00} and then for {$30.00} and additional fees. I contacted the XXXX number and was told that the additional fees were in error - should not have been charged since I closed the account. The person ( an attorney ) on the XXXX number could not tell me what the {$30.00} was for, and instructed me to go to branch. I managed to take time off from work and I went to the branch where an officer told me that she would have to research the issue. Within a few hours, I emailed her copies of the wire receipts, told her that I considered the matter closed, that I did n't owe the bank any money as they had collected {$70.00} upon closing the account, and that I expected a written response to that effect. I followed up with her a week later since I had n't heard anything and then received an email from XXXX XXXX, Personal Banker III who said I needed to bring in {$30.00} because the BANK should have charged me {$50.00} per wire, not {$35.00}. So, the people who had all the control, and all the information made a mistake and are demanding that I make up for it. If I bought bananas at the grocery store that were mis-marked, I would pay the stated price ... Why am I forced to take all this time, effort, and energy to rectify their mistake? And do n't get me started on a {$35.00}, let alone a {$50.00} fee for wiring money to domestic banks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
paypal monitors tracks XXXX activity account holder balances a refund of XXXX dollars received for the sale of the vehicle XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Member id XXXX ( Feedback Score Of 21Yellow star icon for feedback score in between 10 to 49 ) 100.0 % XXXX XXXX ( Contact Member ) Available Quantity : XXXX Shipping cost : See description Buyer Zip : XXXX Tracking number : [ Add ] Watch Count : 8 XXXX note : An unpaid item case is open for this transaction. {$800.00} Buy It Now See description XX/XX/17 Checkout complete paypal has closed the account after receiving XXXX dollars making it unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2017, the consumer agencies, XXXX, XXXX and TransUnion mislead me using its own credit scoring they called FICO Score. In turns out that the Score reported to me by the above mentioned credit reporting agencies was not the score actually used to decide whether or not I got a Mortgage loan. In its advertising, XXXX falsely represented that the credit scores it marketed and provided to me were " FICO Scores. '' In fact, I was turned down for an Mortgage Loan by several lenders because Lenders do not use the same Scores XXXX, XXXX and Transunion sold to me. In fact there were significant differences of approximately XXXX points between the FICO Scores that XXXX provided to me and the various credit scores lenders actually use. As a result, XXXX, XXXX and TransUnion credit scores in these instances presented an inaccurate picture of how lenders assessed my creditworthiness. The result is I have been turned down for a Mortgage Loan.

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 2017-08-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2017, the consumer agencies, XXXX, EquIfax and XXXX mislead me using its own credit scoring they called FICO Score. In turns out that the Score reported to me by the above mentioned credit reporting agencies was not the score actually used to decide whether or not I got a Mortgage loan. In its advertising, XXXX falsely represented that the credit scores it marketed and provided to me were " FICO Scores. '' In fact, I was turned down for an Mortgage Loan by several lenders because Lenders do not use the same Scores XXXX, Equafax and XXXX sold to me. In fact there were significant differences of approximately XXXX points between the FICO Scores that Experian provided to me and the various credit scores lenders actually use. As a result, XXXX, Equifax and XXXX credit scores in these instances presented an inaccurate picture of how lenders assessed my creditworthiness. The result is I have been turned down for a Mortgage Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Seterus is a lying company and they lie that they reply I would like from them to see this ; 1.Seterus must  provide a clear Mortgage Note with my name on it. I am not on the mortgage note and my name XXXX XXXX is not on it. 2. I would like to see a document informing me in 2016 that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. XXXX. I would like to see an official document informing as required by law in PA about action of a property including my name on it The sale was for only {$1000.00} which is less than the cost of the refrigerated and there is {$74000.00} stolen items from the house and there is {$260000.00} total loss which is not being financed by institution since they are my private property. I would like Seterus to provide a clear document giving them permission to defraud my property. Everything was done without any court document or order between XX/XX/XXXX until XXXX XXXX, 2016. The company directly responsible for all the illegality which took place is law firm XXXX from New Jersey. Seterus is lying when they say that they responded.I would like to see the repose to those specific question mention in the complain and not their lies. Time for lying is over.CFPB has now specific question Seterus must reply not lie that they responded

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: PA

Complaint narrative:
To Whom It May Concern : I am currently using Navient to service my student loans. I have made on-time payments each month, and have never been late with my payments. However, each time I make payments online, my online Navient Account claims that all my current and future loans are " Past Due. '' To clarify, I recently paid {$250.00} for the month of XXXX. My next payment is due XX/XX/XXXX, but my Navient Account states that the upcoming amount is also past due. After, I made this payment, I received a payment confirmation. Today, I received another email saying that they have no receipt of my recent payment and that I will need to pay this amount on top of my XX/XX/XXXX amount. My bank account has already cleared this past amount. A few months ago, I reached out to Navient via their phone customer service ans was told this problem would be corrected. However, no such correction has yet to occur. I am frustrated with Navient 's sluggish response because I do n't want to overpay. I desire honest feedback and the automated emails that continue to be spent to me despite my payments are frustrating and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The letter below is what I sent to XXXX requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by XXXX. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The letter below is what I sent to XXXX requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by XXXX. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,

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