vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have had an account with XXXX XXXX that started in XX/XX/XXXX. I made a payment onXX/XX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XX/XX/XXXX and that my bank never declined a payment to XXXX XXXX. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: CA

Complaint narrative:
I have had an account with XXXX XXXX that started in XXXX, XXXX. I made a payment on XXXX/XXXX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XXXX of XXXX and that my bank never declined a payment to XXXX XXXX I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.

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 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
I do not have a contract with Dynamic Recovery Solutions, I do not owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I had this loan since XXXX, it 's been 15 years paying. Me and my consigner have made a substantial amount of payments and the loan is still at XXXX. I think the payment was not applied right. My original loan was with XXXX XXXX which was a variable loan original amount borrowed was {$8100.00}. It 's no way that only XXXX dollars has been applied towards the principal after 15 years. My consigner has recently filed bankruptcy in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: OK

Complaint narrative:
In XXXX of this year there are two debts on my credit report. One of XXXX and another of XXXX. This is not my activity. I can not get access to see what company is reporting this. There is also payments posted to these amounts. Creditor reported $ 1+? What can I do?

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 2017-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There was a computer glitch that was TransUnion 's problem -not mine, and it caused inquires to be deleted off of my Transunion report. Transunion later added added them all back onto my report without giving me the legally written notice 5 days prior to them re -adding them. I contacted Transunion in good faith to ask them to delete the inquires that they had illegally re-added. Not only were the representatives rude but they also refused to listen and then hung up on me. These inquires add hardship and my rights were violated by Transunion. I am asking you to please help me make Transunion stop making a victim out of me.

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 2017-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I was contacted via phone a few months ago by Toyota Financial Services and was told I owed over {$1000.00}, not including the usual monthly payment. When I asked what the additional money was for the representative was n't able to tell me, just that I had to pay the amount. 

When I asked to speak with a manager he was n't able to get a manager for me. I asked if he could just email me the information since I already get all of my bills online anyways but he said the company does n't allow that. 

I 've since been getting harassing calls to the point I 've had to block the numbers that Toyota uses because they do n't leave voicemail 's stating who they are or why they 're calling, apparently that 's also against their policies. So I will sometimes get 5+ calls a day from a random number that never leaves a voicemail.

I found out that the extra charge was for a personal property tax but I also found out that I 'm being charged an additional {$830.00} for a past due payment amount. 
I sent the following to Toyota in an email asking for clarification but they refused to reply to my email. 

" I have been making over the minimum payment to pay towards the " Personal Property Tax '' that I am being charged. My statement is now showing that I owe {$3000.00} and that my " PPT '' has gone from {$310.00} last statement to {$1300.00} this statement. Also, what are these monthly {$840.00} " past due payment amounts '' I 'm being charged? This month it is {$830.00} and last month it was {$860.00}, but the previous two months it was {$840.00}. Please email regarding this because I do not answer phone numbers I do n't recognize and I also require a record of all conversations between Toyota Financial Services and myself for legal purposes. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I went to XXXX Cybersecurity website on XXXX XXXX,2017 see if my credit report was impacted and it was according to XXXX Waited until XXXX XXXX 2017 to  enroll. Did that XXXX XXXX said I would receive a confirmation email that night. TODAY is XXXX XXXX  2017 called to ask about confirmation email was hung up  on Twice before I got the third Rep who did n't know anything. I think XXXX XXXX is just giving me and other consumers the run around with the Monitoring Service it  is supposed to be offering!!!!! In the mean time my Credit is  suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks XXXX

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 2017-09-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I went to XXXX Cybersecurity website on XX/XX/XXXX see if my credit report was impacted and it was according to XXXX Waited until XX/XX/XXXX to  enroll. Did that XXXX XXXX said I would receive a confirmation email that night. TODAY is XX/XX/XXXX called to ask about confirmation email was hung up on Twice before I got the third Rep who did n't know  anything. I think XXXX XXXX is just giving me and other consumers the run around with the Monitoring Service it is supposed to be offering!!!!! In the mean time my Credit is suffering severely. I have 32 great open accounts with 100 % payments and over 100 credit inquiries from same companies In short time spans. I disputed these inquiries in XX/XX/XXXX confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks XXXX

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 2017-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
During the month of XX/XX/XXXX, I noticed that I was charged a late fee although I am making my monthly payments. I had to fight hard to get Synchrony Bank to remove a late fee of {$27.00}. I have continued making my payments, and today XX/XX/XXXX, I noticed that they have charged me late fees of {$37.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX, although I have been making my payments on time. My payment amount is {$35.00} per month, which is the payment agreed upon. I have tried to reason with these people but they do n't want to remove any late fees ; they just want to bleed the customer dry.

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 2017-09-19 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: CORELOGIC INC
State: FL

Complaint narrative:
CoreLogic XXXX XXXX XXXX is reporting invalid, and therefore unverifiable information about me to apartment communities and it is impacting my ability to obtain housing. 

I have contacted the two companies they are reporting and each does not have a record of a debt owed to them by me. Furthermore, I have not been evicted from any of the properties on the CoreLogic Report. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), I sent via USPS Certified Mail, two dispute letters demanding to see proof of these debts as required under the FCRA. I also initiated a dispute via phone. CoreLogic has claimed three times that they have verified the debts and they have not removed them from my consumer credit report. CoreLogic has NOT provided me a copy of ANY original documentation required in the FCRA under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA which states you are required to promptly DELETE all information which can not be verified. 

Please assist me is getting CoreLogic to furnish to me the evidence required under the FCRA. I suspect they have no evidence because both companies do not have a debt on record for me. 

The following Public Record items are in question from the consumer credit report CoreLogic has furnished to apartment communities to which I have applied for an apartment : 1. Plaintiff XXXX XXXX Case # XXXX Case # XXXX Case # XXXX XXXX. Plaintiff Original XXXX Case # XXXX CoreLogic Internal Dispute Info : Dispute Type : Phone Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Dispute Type : Certified Mail Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Dispute Type : Certified Mail Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Thank you, XXXX XXXX

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 2017-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
After Hurricane Irma, I send my children up North to Maryland. While visiting XXXX, my son ran out of gas money so I wired him {$100.00} via Western Union. At XXXX on XXXX/XXXX/XXXX I sent my son XXXX XXXX {$100.00} via Western Union online services. I received an email shortly after submitting the money transfer request informing me that the transaction was being reviewed. I contacted Western Union. After waiting on hold for nearly 20 minutes, a male answered and reviewed the transaction, they transferred me to Compliance after nearly 10 minutes the call dropped. I called back after waiting another half hour the male representative informed that the account was being reviewed for fraud, I explained that I did not understand. I am sending money to my son and have done so in the past. He stated that he would send Compliance an email to resolve the issue. A couple of hours later I reviewed the status online and it stated that money was ready for pick up. My son located a pick up location after showing his Florida drivers license he was told he it was not available. The time was close to XXXX. I called WU again, again long wait. The male customer service agent stated he would send Compliance a  message, I said no I wanted to speak with them now. My son was without gas in XXXX. He stated that they would call me in less than 1 hour. it was getting close to closing time, WU locations close at XXXX. I called my son and told him to stay put. I called a relative in Maryland to pick him up. They did n't arrive until midnight to pick up my son and I was worried sick. The next day on XXXX/XXXX/XXXX I called WU and asked it money was ready for pick up, same story Compliance needed to verify my information, I was transferred over, call dropped. On XXXX/XXXX/XXXX I called again this time a XXXX told me to hold that he would reach compliance after I demanded a refund of money and fees. He put me on hold for 15 minutes came back and said everything was resolved money was ready for pick up. I had my relative take my son back to XXXX to retrieve {$100.00} because the pickup location was XXXX. Once he arrived in the evening he went to another WU and was told that money was not available. He called western union to verify information. I called and was on hold and then again called again and nothing. I kept getting transferred between foreign speaking individuals that spoke English with a heavy accent. Finally I got fed up and asked my relative to give my son {$100.00} for my son to get back home. on XXXX/XXXX/XXXX, at about XXXX I called WU again and after much waiting I demanded a full refund of {$100.00} and fees for a total of {$110.00}. Male informed that he would send it to appropriate department and that someone would call me within 24 hours, even though I demanded to be called back within 1 hour. 24 hours have come and gone No CALL, NO REFUND!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a discounted pricing with Credit Check Total for the amount of $ XXXX. I noticed that on X/XX/2017 and X/XX/2017 my account was charged for {$32.00} each month without any updates to advise of a price adjustment, promotional offer expiring or anything. Upon calling today, I was credit for one month of service and requested for a price adjustment for the second month to the agreed price and was advised that was against their policy by supervisor XXXX. In addition, Im disputing the amount of {$32.00} with my bank and also filing a complaint with the FTC for fraudulent charges.

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 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
My original mortgage was with XXXX XXXX XXXX ( XXXX ) when it went bankrupt XXXX took over ( XXXX ). We made our payments to them faithfully. In XXXX we applied for a loan modification to lower our interest rate from 6.75 % and they set us up with XXXX Modifications.Loan. Our interest rate went to 6.625 %, with payments of {$2100.00}. beginning XXXX/XXXX/XXXX. We paid these monthly and it even shows on a copy of the Verification of Mortgage 0 late payments as of XXXX when XXXX XXXX XXXX XXXX XXXX took over collecting my payments. Again, I never missed a payment, nor did I make any late payments with XXXX. In XXXX XXXX I was informed that Ditech Financial LLC would be now collecting my mortgage. The first payment to them was for the XXXX payment. Again, I have not missed making a payment or paid late. In XXXX of XXXX I chose to refinance with another company and requested a V of M from Ditech and instead received a notice that my mortgage was 3 months delinquent and I had 30 days to pay up or my home would go into foreclosure. WOW!!!! We quickly got the money and paid it, figuring we could have the mortgage audited. I sent all the paper work and a letter requesting the audit XXXX XXXX XXXX. I received a letter confirming that they got it and were reviewing and I would hear back in 30 days. Guess what?? No resolution and no one can find the paperwork. Going forward, my new mortgage company requested a V of M on the XXXX XXXX form in XXXX XXXX and we finally received it the end of XXXX. The portion asking for " # of late payments in the last 12 months '' has a 6 in the space. I have not only my portions of ALL the Cashier 's checks, but also copies of ALL the CASHED checks to Ditech and XXXX. I feel that Ditech is holding us hostage as I am only getting the run around, no return calls, mostly condensation from the " Supervisors, STRESS and ANGER. I also find it very annoying when the person at Ditech frequently points out that " they could refinance my loan. '' REALLY!!! I really need help as this whole cluster mess is causing great stress not only on me but my family. I have been crying almost every night I get home and have to call Ditech and try to explain everything over and then to get transferred to " someone who can help '', only to have to explain AGAIN. The frustration is getting too great. PLEASE HELP!!!! You are my last hope.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: NC

Complaint narrative:
I have contacted Equifax on numerous occasions with the latest contact dated X/XX/2017. I keep letting them know that there are 25 inquiries on my credit report was not authorized by me. They tell me to contact the companies who initiated the inquiries but the few companies I did contact told me I had to contact the credit agency that are reporting the inquiry, and when I contact Equifax they give me the run around. They tell me these inquiries will stay on my report for two years. This is not fair, especially if I did not authorized these inquiries. I believe my credit account was breached way before Equifax became public about their systems being breached. I am currently trying to place a security freeze on my credit file from all 3 credit agencies and I am also currently in the process of consulting an attorney to help me deal with these matter.
I am attaching a copy of my credit report with the inquiries highlighted ( pages 61-65 ) ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was contacted X/XX/17 by a company with multiple names listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that stated they could help me with my student loans and and that the company was created on behalf of the Dept of education. I felt very pressured over the phone but this company had all of my information so I assumed it was a legitimate company. Now I am concerned that I may have given more of my information to a fraudulent company. My XXXX with my social security number as well as signing agreements. They told me what Navient my student loan servicer is telling me is false information. They also told me that they could help me decrease my student loan payment and that any payments I 've made so far with Navient wo n't count towards my student loan payment and I would need to start over. The person I spoke with was XXXX XXXX XXXX. This company also charged {$1300.00} to complete my application with the dept. of education for public service loan forgiveness that would be deducted from my bank account by a third party. I do not want this company making changes to my account on my behalf. Unfortunately, I signed some papers and now I am doing everything I can to prevent this from happening.

Company response to consumer: Closed with explanation