vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 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: IL

Complaint narrative:
All three Credit bureaus are reporting inaccurate information on my credit file. I have submitted physical letters to them and they simply ignore my request so I am forced to file this complaint to the CFPB and will be filing a complaint with the state attorney generals office if this does not get resolved. 

The following accounts are being reported and are not validated or verified per the FCRA. I have asked for the original source document and they are refusing to comply with my request. 

1. XXXX XXXX. They are only reporting a portion of the account number XXXX this is a metro 10 compliance issue. The account can not be verified and therefore I am asking that it be removed from my credit reports. 

2. XXXX. Partial Account number of XXXX. This is a Metro 10 Compliance issue, can not verify with XXXX and XXXX has no record of this saying I was late with my payment. Update and remove the late payment status. 

3. XXXX XXXX partial account number XXXX Says it is a collection account for XXXX this has not been verified and can not be verified and therefore is a violation of the FCRA section 609 and I requesting that this be removed from my files immediately. 

4. XXXX. Has a collection of XXXX acct XXXX ( partial ) which does not allow me to verify the account. This is a Metro 10 Compliance issue. This also looks to be a health care bill and this is a VIOLATION OF MY HIPAA rights as if I ever did have services rendered to me from XXXX I would have never given them permission to report any portion of my Health Records to the bureaus. I am demanding this be removed based on Incorrect reporting, unverifiable status and a HIPAA violation. 

5. XXXX XXXX : Accounts XXXXXXX, XXXXXXX, and XXXXXXX all metro 10 compliance issues, unverifiable information, does not meet FCRA standards and once again looks to be a medical office reporting. If I did have services rendered I would have never given permission to any health facility to transfer my information to a collection company or to the bureaus. This is a HIPAA Violation and is a against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I applied for the XXXX XXXX in early XXXX and applied multiple times due to paying off other debt and wanting to see if the rate would change. I get a message that says I applied too many times. I contact support and am told to wait 30 days. This was on around XX/XX/2019. I wait 30 days and receive the following email from Goldman Sachs " Thanks for your interest in XXXX XXXX. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because : You have applied a number of times so we can not verify the information you have provided at this time If you believe this decision was made in error, please re-attempt the application : Ensure your personal information ( legal name, SSN, birth date ) is accurate and matches your ID, if provided If you were asked to verify your identity with your Driver 's license or State-issued Photo ID, make sure : You are capturing the image clearly You position your Driver 's license or State-issued Photo ID in the frame, place it on a dark surface, and make sure lighting is adequate with no glare Your ID hasn't expired '' Same message as before the 30 days. I ask them to open an investigation into whats going on with my apllication and get no solutions or suggestions. Just " Try again '' type mentality.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I settled a XXXX account in full in XX/XX/XXXX. It is now XX/XX/XXXX and the 3 credit reporting agencies, XXXX, Transunion and XXXX are reporting this account as delinquent/Chargoff when it sbould reflect as settled in full or not reflect at all, or completely deleted from 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 non-monetary relief
Consumer complaint received 2019-10-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I settled a XXXX account in full in XX/XX/XXXX. It is now XX/XX/XXXX and the 3 credit reporting agencies, XXXX, XXXX   and Experian are reporting this account as delinquent/Chargoff when it sbould reflect as settled in full or not reflect at all, or completely deleted from 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 2019-10-18 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: OH

Complaint narrative:
This is in regards to the 10-year loan forgiveness for those in low-paying service jobs, such as social workers. I am alarmed to see in the news that only 1 % of those holding this type of loan are granted loan forgiveness at the end of 10 years, in spite of working in a non-profit and faithfully paying on the loan. Also, when calling with questions, you get conflicting information depending on the agent. Also, when an agent suggested combining two loans into one, there was nothing said that three years of work in a non-profit didn't count because combining the loans reset the clock and the 10 year period started again at year one. Now instead of 10 years the requirement is 13. 

This is an egregious breaking of a contract taken in faith with the government. What is the CFPB doing to correct this situation and will it come to the aid of all those being turned down?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I settled the XXXX XXXX account in full through XXXX XXXX XXXX. Transunion is still reporting the account on my credit file as delinquent, negative debt. This account should reflect as settled in full or removed from my report as the collection agency agreed by written letter that this account is serrled and I am released from the obligation.

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 2019-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I was contacted via phone in regards to a loan I owed for a pay day company ace cash express. However Im not able to pay the entire amount in full but I want make arrangements. The company has been calling me and harassing me that they are going to take me to court because I havent paid. But I have not received anything in writing in regards to the loan. Or have been notified via email just by phone but now threatening me that they are going to call my supervisor and let them know the loan and everything. I never said I dint want to pay them back I just need time to pay them since Im no longer working. But they already called a friend letting them know about my situation and thats very personal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: IN

Complaint narrative:
I receive phone calls every single day, sometimes multiple times a day from World Finance Corporation. They call from random numbers, different offices, everything. I add each number to my block list. I have been making payments as I can and the loan is not in default. They are still actively receiving the payments and yet still leave voicemails stating " Hey XXXX, it's XXXX with World Finance, I need to hear from you TODAY XXXX. " - called from XXXX. " This message is for XXXX, it is very urgent that you contact World Finance. '' " XXXX please return my call today. '' No introduction. Everyday is a bit redundant especially since I am making payments. If there's an issue with my payments then they should send my account to collections and let me deal with it. Not calling me every single day like I'm secretly withholding money that I certainly don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: MN

Complaint narrative:
Sent me a bill and nothing else Ive made multiple contact attempts and have heard nothing back

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 2019-10-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
According to the FDCP Act, section 809, the Collection agency should notify the consumer about the debt for validation. I never receive any notice about any debt and the action the Collection would take.

So I still request to remove the Collection account from XXXX and XXXX   because I was never communicated about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I verify that I never made late payments to any student loan accounts with XXXX. And to verify that said loans belonged to me bearing my signature. All else is fraud and identity theft. 

Under ( FCRA ), 15 USC section 1681i, companies has to correct/update and remove 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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I verify that I never made late payments to any student loan accounts with XXXX. And to verify that said loans belonged to me bearing my signature. All else is fraud and identity theft. 

Under ( FCRA ), 15 USC section 1681i, companies has to correct/update and remove 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 2019-10-18 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED DELINQUENT ACCOUNTS THAT ARE REPORTING INACCURATELY ON MY FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-10-18 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: PA

Complaint narrative:
Every 30 days starting in XX/XX/2019, I have been sending official signed notarized letters with a copy of my drivers license and social security card and to this date I have sent 4 separate letters to XXXX, Equifax and XXXX. These letters have been to provide me with the original creditors documentation on file to verify that this information on my credit report is mine and is correct. My complaint is related to Account Name - DEPT OF ED / XXXX, Amount - over $ XXXX. The credit bureaus and the company XXXX which I sent out 5 letters to was to verify this account and provide me the original signed contract for this debt. Neither the bureaus or the company has provided that information and their responses was simply stating it was verified with out documentation. I want this account deleted from my credit report as this debit is unverified therefore I am not responsible for these payment XXXX is saying I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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:
Every 30 days starting in XX/XX/2019, I have been sending official signed notarized letters with a copy of my drivers license and social security card and to this date I have sent 4 separate letters to Experian, XXXX and XXXX. These letters have been to provide me with the original creditors documentation on file to verify that this information on my credit report is mine and is correct. My complaint is related to Account Name - DEPT OF ED / XXXX, Amount - over $ XXXX. The credit bureaus and the company XXXX which I sent out XXXX letters to was to verify this account and provide me the original signed contract for this debt. Neither the bureaus or the company has provided that information and their responses was simply stating it was verified with out documentation. I want this account deleted from my credit report as this debit is unverified therefore I am not responsible for these payment XXXX is saying I owe.

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 2019-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XX/XX/2019 I purchased a refrigerator from Lowes. The total price was {$2800.00}. I charged {$2000.00} to my Lowes card, and the remaining {$820.00} to another credit card.

The {$2000.00} charged to my Lowes credit card was subject to special financing of 12 months, no finance charge. 

The refrigerator was scheduled to be delivered XX/XX/2019 On XX/XX/2019, I made my first installment payment of {$180.00}. 

On XX/XX/2019 I cancelled the purchase. 

However, instead of crediting my Lowes credit card for the entire amount of the cancelled purchase, {$2000.00}, I was only credited {$1800.00}. 

According to my last billing statement, I still have a balance of {$12.00} I am requesting to be credited the full amount that I originally charged to my Lowes card, {$2000.00}, and then to be issued a check for the credit balance that will be on my account

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 2019-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Wilber and Associates, P.C.
State: TN

Complaint narrative:
On XX/XX/2019. I recieved a call from a XXXX at Wilber & Associates located in XXXXXXXX, IL. I missed the call and she left a message letting me know that I was involved in a car accident and that they are collecting on behalf of XXXX 's XXXX. When I heard the message I called her back and let her know I was never involved in an accident. She told me that there was a police report and that I was the driver that hit a parked car. Turns out that a car that I owned was involved in an accident hitting a parked car. The accident was in California I lived and still live in Tennessee and I had no idea because my sister had the car. XXXX lied about there being a police report. A number of phone calls later I repeatedly asked Wilber & Associates whose debt is it and I'm being told that " you are both responsible ''. I contacted Wilber on XX/XX/XXXX talked with XXXX and I let her know that I was looking into getting an attorney to find out my options and I also requested her to look into information surrounding the accident and she became beligerent by twisting my words, she said that Wilber isn't going to wait around for me to fight it out with my sister, she also said that she did not have to look into the accident because that would help my case and that I know what I owe so she doesn't have to let me know anything and that I just need to pay what I owe and they were going to give me to the end of the month to pay the full amount of {$5500.00}. After my phone call with XXXX on XX/XX/XXXX, she immediately calls my sister and tells my sister that I am going to sue her. My sister tells her to hold on and is going to call me on 3-way so that we can all 3 be on the phone. XXXX hangs up. My sister calls back to Wilber and talks to a XXXX XXXX who claimed to be the boss of XXXX 's boss. XXXX XXXX tried to convince my sister to take out a bank loan to pay the debt of {$5500.00}. After my sister 's phone call with XXXX I called to speak with him but I got a XXXX ( she was nice ) instead who forwarded me to a XXXX. XXXX wouldn't or couldn't verify questions about the debt. Wilber & Associates has been rude and using scare tactics on a debt that I'm not completely sure that I owe. I will be sending them a formal debt validation letter soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 a transaction was made with my Citibank debit card for the amount of {$200.00} with XXXX XXXX. The food was defective, which caused me food poisoning. I contacted XXXX to complain about my situation ; however, there was no way for me to get in touch with a representative because the the phone call is only automated. I contacted my bank a few days later to dispute this transaction. I provided a statement to my bank. I called a few weeks later to check on the status and they told me that my dispute was cancelled. There was no explanation on why it was cancelled but they suggested that I submit another dispute. I submitted another dispute XX/XX/XXXX. A document was mailed to my home from Citibank with a questionnaire of the same questions I answer over the phone when I provided my statement. Its XX/XX/2019, over a month later and they still have not taken any action on my complaint. Representatives have provided an explanation of me not being the only customer they have and they are still looking into this matter. Ive banked with other banks and Ive never been treated this way and Ive never had a bank take over a month investigate a complaint or deposit funds into my account. Ive been a customer for a while and Ive would have never expected to have a experience like this from a largely known bank.

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 2019-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
XX/XX/XXXX my house went into forclosure my mom passed left house to me but loan was still in her name when we came to agreement to continue payments i was told by fay to  get my home owners insurance so i did it was sent over 3 times i have record of it they continue saying they never got never got it my insurance company called several times and come to find out they fay was chatging me insurance for a whole year wen i had my own they say they sent sent check refund never got it everytime i call i get no answers no returned calls nothing i have made several complaints and no response i need my money for all the insurance they charged me additional. For a whole year XX/XX/XXXX to XX/XX/XXXX Account XXXX XXXX ( deceased ) Account holder now XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation