vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 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: IL

Complaint narrative:
I have been disputing with Experian since XX/XX/XXXX for every month up until now. The first issue is they keep stating accounts are verified. But the FCRA clearly states that the XXXX system is not the only way the bureau can verify a debt. I have been receiving account verified updates since XX/XX/XXXX-XX/XX/XXXX thats about 8 months worth of disputing. I have yet to receive any paperwork from your bureau stating how it verified any debt. So its safe to say your bureau only used XXXX system meaning your bureau is in clear violation of the law. Additionally XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX has multiple FCRA & FDCPA violations. Just to name a few loan type is wrong, high balance wrong or not reporting, terms wrong, account balance wrong, original payment wrong or not reporting. 
Also XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations just to name a few open date wrong, original creditor is wrong, no high balance, original payment wrong, terms wrong, no contact number so how did your bureau verify anything theres more please see attached file. 
Additionally XXXX XXXX Account # XXXX on the most recent dispute Has multiple FCRA & FDCPA violations as well. One of the main ones are Reporting a late pay when collection accounts are close-ended and can not be late ( unlike open-ended credit card accounts ) please review attached file theres plenty more. Remove and delete all accounts listed before your bureau faces serious legal recourse from me. This is unbelievable how your bureau has so many violations.

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 2018-07-16 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Two fraudulent charges were made to my credit card. Both charges were for the amount of {$480.00} and were paid to XXXX. The first charge was made on XX/XX/XXXX and posted on XX/XX/XXXX, the second charge was made on XX/XX/XXXX and posted on XX/XX/XXXX. I reported the fraud to the card issuer and they got back to me in writing stating the fraud was suspected and issued a credit to my account for {$480.00} for the first charge, the XX/XX/XXXX activity. When I did not get a disposition on the latter fraudulent charge a called and asked them to reopen the case to include the second fraudulent charge. They said they would but it has been 2 months and I have not gotten a refund for the charge nor an explanation. I have called customer service at least 8 times and they see the problem, but can't resolve the issue. I spoke with a supervisor 10 days ago and she assured me she would take care of the fraudulent charge yet it still is on my statement as a legitimate charge, in fact, they are charging me interest on a bad charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I signed up for Income Driven Repayment in XX/XX/XXXX. At the time I was told that my repayment term would be 122 months by XXXX  XXXX XXXX, my loan servicer. This information was confirmed online via my account. The repayment terms showed as 122 months when I viewed my loan details online. 

I submitted the recertification form on XX/XX/XXXX. When I logged into my account online I became alarmed when I saw that the repayment term was still listed at 122 months. 

I called into the customer service and spoke to XXXX ( employee ID number XXXX ). She explained that the information on my online account was incorrect and was incorrect for any person signed up for income based repayment. My repayment term is actually 300 months. I asked why their phone system directed me to view my account online for my loan details when they weren't correct. She did not have an answer. 

I am glad I caught this mistake because I was looking at paying over an extra {$92000.00} in interest if I stayed on this payment plan. The standard 10 payment plan payment is only {$8.00} more every month. 

I believe that the misinformation provided by XXXX XXXXXXXX XXXX is willful and on a wide scale. I believe that they should be accountable to provide accurate information about the repayment term to account holders in their online account since they encourage the use of the online account in order to obtain information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: FL

Complaint narrative:
The total balance of the XXXX XXXX was paid in full in XX/XX/2018. The balance still have been failed to be updated correctly of transition, XXXX, and XXXX. Tried to resolve with XXXX but failed to do so. I need the correct balance of {$0.00} to reflect on the 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 2018-07-16 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: FL

Complaint narrative:
The total balance of the XXXX XXXX was paid in full in XX/XX/2018. The balance still have been failed to be updated correctly of XXXX, XXXX, and Experian. Tried to resolve with XXXX but failed to do so. I need the correct balance of {$0.00} to reflect on the 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 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I was renting merchandise from XXXX XXXX here in XXXXTexas I could no longer afford to pay for these things so I had them to pick it up from my home the manager by the name of MR.XXXX came and picked up these things his self. which means I do not owe anything they got items back. And years later a collection company called XXXX XXXX XXXX is reporting this as 3 collection account one for XXXX, XXXX. I have disputed this and they will not remove it so I called the company and they tell me they do not have this account anymore it was given to a company called XXXX XXXX so why is it that they are still reporting this and don't even have the account some one does I called the reporting agencies and they say its nothing they can do I have to call the company reporting this they report what they get from the companies. it is on my XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD

Complaint narrative:
I filed a chapter XXXX bankruptcy on the XXXX XX/XX/2018 and got a discharge on XX/XX/XXXX, throughout the discharge proceeding I was getting calls and letters from this company and constantly harassing me about repossessing the vehicle the entire time, they have someone calling me about picking up the vehicle every day, which I did, even after I got the discharge Im still getting letters and calls from this company saying I have a balance, and it still showing on my credit report as a open account with a balance. Ive gotten so much letters like the envelope I attached about repossessing the vehicle even after I handed over the vehicle to the recovery company they have harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXXXXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XXXX ) and XXXX and XXXX ( XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXXXXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XXXX ) and XXXX and XXXX ( XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXXXXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XXXX ) and XXXX and XXXX ( XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
2nd case submission for additional credit, same fraud/solar panel issue XX/XX/XXXX- signed contract for solar panels ( {$50000.00} across 4 credit cards, all $ XXXX and up ) XX/XX/XXXX - called into customer service to see what options ( had not received solar panels yet ) - was told max $ XXXX return - so continued to work with solar company and their date extensions due to " rains '' XX/XX/XXXX - solar company quit responding XXXX - hired lawyer- got nowhere, credit dispute dept basically told lawyer they could not even settle with me until my card goes 90 days delinquent Currently - I am now 90 days delinquent and settlement offers are lame- and principle of the matter of having to settle for something I never got is physically upsetting That solar company closed shop, 1 owner ran and the other opened another solar company in our same area yet I can't do anything to them to get my money back. 0 % looked great as an option for solar panels vs 5 % min bank loan - now its a nightmare Citibank and XXXX XXXX both clinging to 120 days to report fraud. I wouldn't have known at that point.

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 2018-07-16 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: FL

Complaint narrative:
Trans Union Over the past year I have been disputing incorrect information reporting on my credit. The following are examples incorrect balances, incorrect payment history, incorrect credit score and fraudulent accounts that did not belong to me.

Most recently my SCORE drop 50 points without a justifiable reason according to XXXX XXXX.

All of my accounts are in excellent standing for over years, some are even paid 6 months in advance.

I read the guidelines used to rate my score and all were green with the exception of one credit card for XXXX which was paid, It was paid before receiving a statement. 

I need justification for a 50 point drop or just correct the error ASAP!

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 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MD

Complaint narrative:
In XXXX, my identity was stollen and used to open a number of fraudulent accounts. I was diligent about following up regarding these accounts and getting them closed as fraudulent, by compiling the following information : - Signed and notarized Identity Theft Report ( form provided by FTC ) - Copy of the police report I filed - Copy of my photo identification - Copy of a utility bill at the time the debt was reported to serve as proof of alternate residence Every account except for one was closed as soon as I sent the debt collector this information. However, ProCollect refuses to acknowledge that this account is fraudulent and close it. 

I submitted this packet to ProCollect on XX/XX/XXXX. 
I did not hear back from ProCollect until XX/XX/XXXX when I called them back to inquire about the status of my account. 
They claim that they reviewed the packet and decided it was still a valid debt on XX/XX/XXXX, but did not provide any details for how they reached that decision, despite me providing them with all the evidence that they requested.

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 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This complaint is about Equifax. I recently pulled my credit report and noticed inquiries and accounts that were not mine. I made a disput on the accounts and iquiries but each and every time i get the run around. I hear well we verified it. I asked how did you verify the information? The response give was we send it to them electronically and they reply back either verified or not. That's it electronically? How are you able to ensure they are telling the trugh? Equifax s response " we take their word for it ''. Wow so anyone can lie and place fraudulent account on anybody 's credit report without actual proof just a word. And we wonder why we have so many issues with identity theft and fraudulent accounts. I made complaint after complaint and i get nothing I have inquiries on my credit report that were not mine. They said call the original creditor which i did. They said call the credit bureaus. So it's a back and forth game between both places. I understand the credit bureaus is here to make money of this kind of stuff but don't turn a blind eye and not investigate the issues just to keep a dollar!!!! 

And stop outsourcing your call centers to overseas where the poeple can barley speak any English and all they do is read a script off the computer screen. That does not help any at all. They are rude and hang up then you have to call back and wait in line all over again. And when asked to get transferred to an agent here in the US they just tell you they can't do that and hang up on you. One representative already said they can not do much over their they can only say what's on the screen. So what is the purpose of that then?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We have paid our monthly payments flawlessly on time for nearly 16 years on a 20 yr loan. Recently, XXXX and XXXX of 2018, we paid our regular monthly payment one day early. Our payment was applied to " additional principal '', and the regular payment ( as stated on our receipt ) was listed as unpaid. This happened two months in a row, and we had no idea that it was happening until later. 
Just before this, we were late on our county taxes, and in spite of our negotiating with the county about a form that we had filed to check the amount of our taxes, finding that they had indeed over charged us for several years about 30 %, Chase bank stepped in and paid back taxes, and half of the upcoming year taxes. They then asked us to make payments ( amount due divided by 12 months ) to them for the back taxes in an Escrow account that they set up for that purpose. They did that same thing when we began to pay down the escrow amount ( as shown on receipt ), putting that down as " additional principal '', and claiming we had defaulted on the payment schedule. At this point, we have paid all of our regular payments on time, and 2/3 of the back taxes, and are current on taxes now. Chase has backed off on some demands, apologizing for their mistakes, and saying that they will issue another " escrow analysis ''. Each time they apologize and issue another analysis, this is 4 times now, each one with new ficticious figures claiming that we have missed two monthly payments, and would we like them to help us with our mortgage in jeopardy. We feel that the problem is easy to fix, and needs no analysis, only that they properly place the payments to reflect what the receipts say, which will show that we are up to date on everything. We can supply copies of receipts to show the discrepancy. We do not believe that this problem is because Chase Bank can not simply read their own receipts, but that they are attempting to force us into jeopardy by tricky tactics. They simply refuse to listen to facts, and talking with people on the phone after hours waiting that speak English only as a second language to explain difficult math issues is completely frustrating. I Believe that none of this repeated : " oops we made a little mistake '' stuff is not accidental.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
After the Equifax data breach was announced in XXXX of 2018, I have frozen my credit information with the four credit credit reporting agencies. 

Equifax has a web portal that will permit uses to freeze and unfeeze their credit report. 

In the first week of XXXX, I was buying a car and found that I was unable to access the web portal. It gave me a phone number to call. While they were able to help unfreeze my credit, they were unable to help with the web portal. They said someone would get back to me in 10 business days. It is now the middle of XXXX and still no luck with Equifax. 

The timeline : XX/XX/XXXX, notified Equifax of the issue. 
XX/XX/XXXX, I called Equifax as no one had called back. They said be patient. 
XX/XX/XXXX, called and spoke at length with someone who said it was my fault. 
XX/XX/XXXX, asked Equifax to have a supervisor look into the issue XX/XX/XXXX, a supervisor called and said she didn't know what the hold up was and escalated my issue again. 
XX/XX/XXXX, a supervisor said someone would get in touch with me in ten business days XX/XX/XXXX, I again asked Equifax to have a manager or supervisor get back in touch with me XX/XX/XXXX, a supervisor called and said he would escalate my issue again. 
XX/XX/XXXX, I again ask Equifax to have a manager or supervisor get in touch with me XXXX XXXX, the same man, XXXX, from XX/XX/XXXX called to ask what I wanted. 

Still, no resolution. 

Help. If I could, I wouldn't do business with company, but I have no choice. I hope someone can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account : XXXX I was never late 30, 60,  or 90 days late in the months of XXXX.. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account : XXXX I was never late 30, 60,  or 90 days late in the months of XXXXXXXX.. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

Company response to consumer: Closed with explanation