vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
As of today, XX/XX/18, Experian refuses to remove incorrect personal address with apt . deleted, as my correct address includes MY apt #. XXXX XXXX reported incorrect address with omitted apt # FOUR times. Now " cautious address reported as fraud '' is on my report, causing defamation. I've lived at correct address 25 yrs., & Experian sent report to correct address. Other creditor reports correct address. Experian is either incompent or complicit to take XXXX XXXX 's side. Please investigate possible credit protection sales as motive.

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 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp
State: SC

Complaint narrative:
I wanted to consolidate my students loans in XXXX, which i believed to be free. This company called XXXX XXXX XXXX XXXX or Equitable acceptance called me mid of XX/XX/XXXX and told me i could have my loans consolidated never mentioning any fees until the end of our conversations. So i give them my financial information and personal info. thinking everything would be free, which i found out recently that it is free to receive help consolidating my student loans. So they told me for them financing my consolidation my charge would be XXXX and i needed to pay XXXX dollars then as a down payment and i would pay XXXX a month starting XXXX XXXX. They told me it would help my credit and so i thought it was ok. But now i know i have been paying for something that is free. My student loans were consolidated XX/XX/XXXX. I have been paying since XX/XX/XXXX - XX/XX/XXXX. I am now paying my student loan payment on top of this payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian had a security flaw in which our personal Credit Freeze PIN numbers may have been exposed. They never notified us, but I found out about it from XXXX XXXX the Consumer Advocate. Since the PIN is generated by Experian, I would like to change the PIN for a new one in  order to ensure that the previously exposed PIN due to Experian 's security flaw can not be used to thaw or otherwise access my credit. 

Experian does not offer a way to change the PIN or even request a new PIN on their website. I have tried numerous times to call Experian to resolve and have a new PIN generated, but I can't get through the automated system. It will either try and sell my a credit monitoring service or hang up on me. 

Since this is a somewhat series security issue and could allow criminals to circumvent the credit freeze, I would like Experian to honor the terms of the FCRA and generate a new PIN to ensure my account security.

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 2018-10-11 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: AL

Complaint narrative:
I contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted Equifax, and XXXX with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On XX/XX/2018 I paid my household bills. After I paid the bill I had a balance of {$340.00} in my account. The next morning I had a alert on my phone saying that my acct was in the negative. I looked at the transactions and realized that my payroll check had been deposited but there was also {$140.00} in fees from Suntrust. I called the bank and they said that it was a 2 hour delay in the time that my check was posted and the bills where paid. So that cost me XXXX dollars and nothing could be done about it. They said that they can see that it was only 2 hours but they have to charge the fees. My acct is in the negative {$24.00} dollars. But its in the negative because of the {$140.00} fees This is robbery. Its just not right and I want just let it go I work way to hard for my money.

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 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Step 1 : Toyota Financial Services added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. Toyota has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit.

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to Toyota explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since Toyota 's negligence has greatly impacted by ability to currently obtain a mortgage ).

Step 3 : Toyota responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : Toyota Financial Services never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency.

I would like Toyota Financial Services to fix what was wrongly done.

Companies Involved : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, Toyota Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: AL

Complaint narrative:
I contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted XXXX, and Transunion with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this 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 2018-10-11 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: AL

Complaint narrative:
I contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted XXXX, and XXXX with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this 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 non-monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: MO

Complaint narrative:
After multiple attempts to receive validation of debt from Online Info Services via a utility collection, I called and spoke to a rep  named XXXX who hung up on me because she was caught giving false statements regarding validating my identity to access my account. I called back to speak to a supervisor but the consumer collection department screened my calls and did not answer. I called back to back and unfortunately I had to call from another number for someone to answer to assist with my account. XXXX from the consumer collection dept. finally answers the phone so I asked to speak with a supervisor. The " assistant '' manager XXXX told me a letter was sent to an old address that I do not reside anymore so I provided her with an updated address. After providing an updated address XXXX stated the company will not send anything they have on file that states I owe this alleged debt. I asked to speak to her supervisor XXXX and I was sent to his voicemail. This is unacceptable and unlawful for a collection agency to consistently withhold information from the consumer, as the consumer is privy to information that being reported about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am XXXX  my identity was stolen XXXX XXXX  refuses to close those accounts .... they are constantly calling and reporting on my credit and other peoples credit its fraud the police report was submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB official, I am a customer of Chase Bank in XXXX ( XXXX XXXX ). On the XXXX and XX/XX/XXXX there has been some restaurant shopping in XXXX, CA, XXXX XXXX, CA and XXXX XXXX, NV totalling approximately {$130.00} with my debit card. During these dates ( XX/XX/XXXX and XXXX ) I was out of state in Utah and Idaho with my family for holiday. The debit card which was claimed as physically used in California ( where my residence is ) fro restaurant shopping, was also with me in my wallet. After I came back from holiday I noticed these suspicious transactions and called the fraud line. They cancelled the old card and told me to destroy it which I did. They said they will do an investigation and come back to me. They did actually and they debited my account for these transactions as they believe I did these transactions in person and try to deceive the Chase Bank as if I never did. And this is totally unacceptable to me. I never ever my entire life went to those restaurants ( XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX ) let aside dining there. 
I say the debit card was with me at the time of incident and they say the vendor told the card was physically used at the shopping. So there are three possibilities either I am lying ( which I dont! ) or the vendor is lying or the debit card is copied. So the officials of Chase Bank told me today that they believe the vendors not me. They don't even use the benefit of the doubt that I might be saying the truth! They told me that I can go to the Police! 
As an ex-XXXX for 25 years, this approach is totally unacceptable and I can't and I won't tolerate this treatment. 
I was out of state and I can prove with my XXXX XXXX XXXX Credit card statement as there are transactions I did on the day of this incident where I was in Utah and Idaho. One can spot my location ( and my family 's location through my operator XXXX at the time of this incident ). 
In the meantime, I almost never use my debit card except for gas stations ( seldom ) and for my daughter 's tennis club payments. So this is clearly a fraud which involved copying of my card and for that as a customer there is nothing I can do. The Chase Bank should accept this and stop accusing me as if I am a thief. The Fraud department should do their job properly and stop engaging prejudice against the customers and try to listen to them as well and use the benefit of the doubt when possible. 
Since they told me today there is nothing I can do within Chase Bank I am writing to you. I hope you can help me to get my rights. I am not after a 100 plus dollars but I am after my reputation. I want Chase Bank to give those amount back to my account and apologize for what they did. 
Thank you very much for your help best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
I was not given the proper notice to dispute this debt that is dragging down my credit score on my report. This debt has since been closed and paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: IL

Complaint narrative:
CITI dispute department Does NOT do a good job in reviewing the case. they skim through material, and not put their customer 's benefit at first. They are not being transparent to their review process and just gave out vague reason for what they did. I have solid and strong evidence to prove my case but they choose to ignore, or not care. I need an explanation!

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 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Step 1 : XXXX XXXX XXXX added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. XXXX has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit. 

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to XXXX explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since XXXX 's negligence has greatly impacted by ability to currently obtain a mortgage ). 

Step 3 : XXXX responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : XXXX XXXX XXXX never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency. 

I would like XXXX XXXX XXXX to fix what was wrongly done. 

Companies Involved : TransUnion Corporation, XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXX 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 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Step 1 : XXXX XXXX XXXX added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. XXXX has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit.

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a  letter to XXXX explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since XXXX 's negligence has greatly impacted by ability to currently obtain a mortgage ). 

Step 3 : XXXX responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : XXXX XXXX XXXX never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency. 

I would like XXXX XXXX XXXX to fix what was wrongly done. 

Companies Involved : XXXX XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Step 1 : XXXX XXXX XXXX added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. XXXX has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit. 

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to XXXX explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since XXXX 's negligence has greatly impacted by ability to currently obtain a mortgage ). 

Step 3 : XXXX responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : XXXX XXXX XXXX never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency. 

I would like XXXX XXXX XXXX to fix what was wrongly done. 

Companies Involved : XXXX  XXXX, XXXX, Experian, XXXX XXXX XXXX, XXXX 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 2018-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Repeatedly calling me before XXXX XXXX. They know what time zone I'm in because I have received mail from them.. The most recent call was this XXXX at XXXX XXXX  from the number XXXX.

Company response to consumer: Closed with non-monetary relief