vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-16 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:
XXXX had deleted XXXX XXXX XXXX XXXX account off my report now they reinserted it again on my report as of XXXX XXXX 2017. This account in the amount of XXXX was verified to be deleted. Now it 's back on again. I have been dealing with all 3 credit reporting agencies for months now. Once it has been verified to be deleted as it was it should not have been put back on 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 2017-09-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am one of many consumers whose personal information was exposed to illegal hacking of Equifax 's data. Equifax needs to be held accountable by the CFPB and provide consumers long-term protection for abuse of consumers ' personal information and credit. Equifax officers need to be prosecuted and fined for the delay of public disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I tried to obtain my Equifax free online annual credit report today due to the recent announcement that Equifax 's consumer data was stolen. Equifax was not able to produce the online report ; the other XXXX agencies provided me their online credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: KY

Complaint narrative:
I did n't realize that online payday loans were illegal in Kentucky if they did n't have a store front. They had it hidden in their paper work that they can garnish my wages. Because of the large interest fees it is difficult to pay this loan off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My regular monthly payment amount is XXXX. I make partial payments every two weeks instead of monthly. The payment amounts range from {$170.00} to XXXX every two weeks. I called the company to have the extra that i pay applied to the principal owed not principal and interest. Which i am within my rights to do. They told me that their system would not allow this. I want this addressed.

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 2017-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PORTIFOLIO MORTGAGE
State: FL

Complaint narrative:
I have a fixed rate mortgage with American Portfolio Mortgage Corporation. My fixed payment including XXXX is {$800.00}. The company is claiming they paid me too much out of my escrow reimbursement and withdrew {$1300.00} out of my checking account without my authorization. I called my bank immediately and disputed the charge and had it reversed. Then the mortgage company sends me a letter saying I owe them {$1400.00} as my next monthly payment and are trying to charge me a late fee and an NSF fee. My funds were not insufficient and the payment was on auto pay and was not late. They were not authorized to take any amount other than the {$800.00} agreed upon in my mortgage contract. I feel this is fraud and bullying and I 'm not going to tolerate it. If they want to provide proof that they overpaid my escrow and a full accounting of all my loan payments and it all checks out I 'd be willing to set up a payment plan with them to pay back their error but to take out almost double of my mortgage payment would have put me in a terrible financial position.

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 2017-09-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I applied for a credit card from XXXX XXXX on XXXX/XXXX/XXXX. Experian gave them my credit score of XXXX ; which made the APR 24.99 %. I always check my credit scores at the end of every month. TransUnion ( XXXX excellent ) & XXXX ( XXXX Good ). I 'm unable to check Experian 's because they charge a fee ; however I can check it on my credit card statement. I want to know why there is a 70 difference between the three credit report agencies. 

I have worked hard to build and maintain good credit worthiness ; and a credit reporting agency can destroy it by reporting negative information. On XXXX/XXXX/XXXX, I contacted XXXX XXXX and they directed me to Experian. Contacted Experian and was told that they would send me a copy of my credit report. I went on line and got my report and there was nothing on it to give me a LOW SCORE. 

Someone needs to investigate why credit bureaus can do or say whatever they want to about a person that can destroy their credit worthiness. 

PLEASE SEE ATTACHED DOCUMENTS. I will be mailing a hard copy of my dispute/complaint to Experian, XXXX XXXX XXXX XXXX, XXXX, TX XXXX - per the internet.

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 2017-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I obtained copies of my credit reports and I also had my credit report pulled by a mortgage company and to my surprise there was a big difference in my credit scores. I looked over the credit reports and noticed that Sam 's Club cards, though opened in XX/XX/XXXX, they were not reported to the credit bureaus until XX/XX/XXXX. 

One Sam 's account was only reported to XXXX and XXXX. Never reported to XXXX. This same account which was opened in XX/XX/XXXX, was never reported to the credit bureaus until XX/XX/XXXX,  which is almost 2 years of good payment history which was never taken into consideration into my credit score as it was never reported by XXXX XXXX/ Sam 's Club . 

The other account with Sam 's was opened the same month and year, XX/XX/XXXX, which is being reported to all 3 credit burueas but the dilemma is this : though the account was opened XX/XX/XXXX, they did n't start reporting the account to the credit bureaus until XX/XX/XXXX. This a a whopping 6 years of good payment history that is not calculated into my credit score, meaning my credit score could be hight if those years of payment history would have been reported. I have paid higher interest rates, been denied credit due to them not reporting ALL of my timely payment history, which is truly not right! 

The last account is reporting to all 3 bureaus, also opened in XX/XX/XXXX again but not reported until XX/XX/XXXX. 

I have contacted XXXX XXXX and spoke with representatives and a supervisor by the name of XXXX, who have tried to refer me to the credit bureaus, and have told me it is at their discretion as to when they report an account to the credit bureau. They offered for a complaint to be filed which would take up to 60 days, however I have applied for a mortgage and this inconsistancy and failure to report all information has caused me to be denied, as factoring this information in will afford for an increase in my score and an approval.

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 2017-09-16 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
Having problems have been charged for a loan that I never received and WILL NOT release the information to the loan company. Withholding loan money that was leaded to me and allowed me to be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Me and my wife are getting pre-qualified offers from Capitol One bank so frequently and they have optout phone number which i did about 6-8 weeks ago. Still didnt stopped and then i called about month ago and still i received this week. They also keep checking my credit report every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: IN

Complaint narrative:
On or about XX/XX/XXXX, {$550.00} was deposited into checking account as a loan via internet loan company XXXX. The APR as a yearly rate is 781.29 %. The finance charge for the dollar amount borrowed is {$1600.00}. The total amount paid back after all payments have been made is {$2100.00}. Within a week of the deposit, XXXX XXXX XXXX contacted me by phone exposing XXXX is known for violating the state laws for monetary gain at consumer 's expense and wanted to represent me on this matter. After doing my research, I learned that XXXX did in fact violate Indiana Statute : 24-4-4.5-7-101 et seq. through excessive finance rates and fees. I further learned the legal APR for 14-days {$550.00} loan in Indiana is 10 % of the principal equaling {$55.00} in finance and fees. XXXX 's contract ask for a payment being {$180.00} every 14 days for a term of 12 payments. The lending practices for XXXX is in direct violation of the Indiana Statute requirement for payday loans.

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 2017-09-16 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: NC

Complaint narrative:
I CONSTANTLY CHECK MY CREDIT FILE NOW AND I LOOKED AT MY REPORT AND NOTICES A LOT OF ACCOUNTS THAT JUST POP UP ON MY CREDIT FILE ( WOW ) THESE ACCOUNT TRULY DO NOT BELONG TO ME I HAVE CONTACTED EXPERIAN IN REGARD TO THIS MATTER VIA CERTIFIED MAIL AS WELL AS NOTARIZED AND THEY STILL HAVE NOT DONE ANYTHING WOULD THIS HAVE TO DO WITH THE EXPERIAN BREACH? IF SO WHY WANT THEY HAVE SYMPATHY FOR THE CONSUMERS WHEN WE TELL THEM THE TRUTH THE CREDIT BUREAUS SUPPOSE TO PROTECT THE CONSUMERS EXPERIAN DO NOT DO ANYTHING AT ALL TO HELP THE CONSUMERS ALL IT TO THEM IS A MONEY MARKET

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 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have a series of 4 paid student collection accounts that have been on my Experian credit report for almost 9 years. The accounts have been appropriately removed from the XXXX and XXXX credit reports after the 7year time limit. Both XXXX and XXXX stated that XXXX XXXX XXXX reported that the debts could be removed as they were more than 7 years old. Experian instead changed the date of first delinquency date from XX/XX/XXXX to XX/XX/XXXX or XX/XX/XXXX so they could still report these accounts. I have copies of my XX/XX/XXXXand XX/XX/XXXX Experian credit report where Experian was correctly reporting the date of first delinquency for the accounts as XX/XX/XXXX and noted that the accounts would be removed in XX/XX/XXXX. When the time can to delete the accounts from credit report, Experian changed the dates so that they could keep reporting outdated collection accounts. I tried to dispute the accounts as being too old to remain on the account but Experian stated that the accounts could not be disputed. The XXXX XXXX XXXX ( the original owners of the collections ) stated that I needed to dispute this with Experian because they had reported the correct information and there was nothing they could do. This has made my only recourse to remove these collections filing a compliant with the CFPB. The accounts in question are as follows XXXX XXXX XXXX/Student LOANS - XXXX - {$4100.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$1000.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$1300.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$120.00} ( Original Amount ) Note that in the XX/XX/XXXX and XX/XX/XXXX Experian Credit Report ( attached ) shows these accounts as being collectionsXX/XX/XXXX to XX/XX/XXXX. However, in the XX/XX/XXXX Experian Credit Report the accounts have been changed to appear as been collections on in XX/XX/XXXX. This changed initiated by Experian altered the date of first delinquency so the accounts are still being reported

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 2017-09-16 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This is in addition to the complaint I submittedXX/XX/XXXX Experian recently completed the dispute investigation I submittedXX/XX/XXXX. Experian did not notify me the investigation was complete and I had to search on their website for the status. Experian is still refusing to remove fraudulent information from my credit report. I 've already told Experian that XXXX forged my signature on a forbearance request, the amount XXXX claims I owe is nowhere near the amount on the original contract ( {$14000.00} ), and XXXX charged off and closed the account in XX/XX/XXXX. ( the same time these tradelines should have fallen off my report ). XXXX reopened a closed account well after the statute of limitations expired by somehow applying forbearances and deferments without my knowledge or consent. I provided ALL supporting documentation to Experian which was sufficient evidence to remove ALL tradelines relating to XXXX. I provided the same information to XXXX and XXXX and they both removed the tradelines. Now, Experian is denying my right to dispute fraudulent and inaccurate information on my report! If ALL tradelines relating to XXXX are not removed from my credit report by XX/XX/XXXX, I will file suit against Experian for preventing and denying my right as a consumer to dispute fraudulent and inaccurate information, and for refusing to remove fraudulent and inaccurate information when the issue was first brought to their attention several years ago.

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 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Contacted TransUnion via telephone to initiate Fraud Alert. Automated system forced me to listen to extensive sales pitch for TransUnion 's identity theft product. After I declined product had to listen to another sales pitch to confirm I did not want my identity protected. I know enough about this product type to know this is not a good product for me but other people may be conned into purchasing TransUnion 's product. TransUnion 's imposition of mandatory sales pitches to customers trying to protect themselves from fraud is dishonest and manipulative because it preys on a vulnerable demographic.

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 2017-09-16 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: GA

Complaint narrative:
I submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16 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: GA

Complaint narrative:
I submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.

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 2017-09-16 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: GA

Complaint narrative:
I submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.

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 2017-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BANK OF AMERICA IS CHARGING ME XXXX FOR MERCHANDISE I NEVER RECIEVED OR PURCHASED FROM AN ALLEGED MERCHANT WHO PROVIDED FALSE AND BOGUS DOCUMENTATION TO BANK OF AMERICA. I NEVER PURCHASED OR RECIEVED ANY MERCHANDISE FROM THIS MERCHANT. BANK OF AMERICA HAS A PROPENSITY OF ENGAGING IN THIS ILLEGAL AND UNETHICAL BANKING PRACTICE.

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 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX, working with and through Experian, is the parent company for XXXX whom I am making my complaint against. XXXX offers a 7-day trial for {$1.00} in which you can view all three credit scores from XXXX, Experian and XXXX. I signed up for trial on XX/XX/XXXX and was required to input my credit card information so if I wanted to continue with the trial my card would be automatically charged {$29.00}. If I did not want to continue after the trial, I was to cancel before the trial ended, which in my case would have been XX/XX/XXXX. I do not want to continue my trial, so I called the number listed on XXXX website at XXXX. XXXX does not offer any other way to cancel the trial. It has to be through this number. I called on XX/XX/XXXX, XX/XX/XXXX all day off and on, only to be put on hold for over 2-3 hours each time from their listed hours of XX/XX/XXXX. toXX/XX/XXXX listening to elevator music, only for the music to stop after holding for two hours and forty minutes and no one answers the phone, which forced me to continue this cycle. Today is Saturday, XX/XX/XXXX, creditchecktotal.com hours are XXXX XXXX until XXXX XXXX I called at exactly XXXX XXXX for the cycle to continue. Not only is this horrible customer service, but it leads me to believe, by me not being able to cancel the trial, they will intentionally charge my card.

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