vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-16 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: TN

Complaint narrative:
I have certified mailed in disputes 4 times asking Transunion to validate that the debt reporting on my credit file is actually mine and is correct. I asked for them to send me an original signed contract with my signature on it. I have never gotten any of this. Their investigations continue to come up as " verified. '' I have even emailed the ceo, XXXX XXXX, about this issue to see if they can look into it, I've gotten no response. I asked 4 times that under the fcra, if they can not properly verify, then they must delete the account and they have failed to follow the FCRA. I am going to litigate in small claims court and make them pay me for all of the 5 accounts on my report because of NEGLIGENT NONCOMPLIANCE if they continue to violate my federal rights.

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 2018-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: IL

Complaint narrative:
I have been with Granite State Management for a few years now. I just learned that I may qualify for Public Service Loan Forgiveness, so I decided to have my information reviewed by XXXX XXXX to see if I qualified. I submitted all of the documentation to XXXX XXXX. First off, I received letters from XXXX XXXX that I did not re-certify my loans this year. This was incorrect. I had completed all of the forms, but XXXX XXXX never received my info from Granite State Management. Granite State closed my file without transferring all of my info over to XXXX. I have had my loans in an IBR and ICR for years now. The two agencies do not speak to each other. This program is a scam. Thanks for nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
After review of my credit report I discovered accounts that were open in my name without my consent. GM Financial has a car note reporting that was a result of fraud. I filed an identity theft report as recommended by the FTC and took the steps needed to report the problem and remedy it quickly. After disputing with the credit bureaus XXXX refused to block or delete this account even with the identity theft report.The same information was sent to the other bureaus and it was removed.GM Financial was made away of this problem and it still has not been resolved. Although the account is not potentially negative I do not want it on my credit report because it's inaccurate and unknown to what kind of record it will lead to in the future. Time is of essence. I want this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America : Overdraft fee charged in violation of overdraft protection Act HR 1261 -Transaction over the total account balance was attempted.

-Bank Declined transaction -Bank CHARGED OVERDRAFT FEE occurrence XX/XX/2018 law states : ( 2 ) the consumer will not be charged a fee if such transaction is declined.

Representative over the phone stated they charge this customarily and when I mentioned this law to the representative she hung up.

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 2018-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is contacting my work at least 3 times weekly even after I have asked them not to. I dont have any money owed to anyone. I pay my bills. However this company continues to contact my employer, harassing me and embarrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received a letter dated XX/XX/XXXX from IC System demanding a debt in the amount of {$60.00} on behalf of a doctor 's office. On XX/XX/XXXX, I responded in writing and provided information ( credit card payment approval/confirmation code and date payment was made ) which may prove the debt to be invalid. I further requested verification of the debt, such as date of service and type of service. 

Before the end of XX/XX/XXXX, I called their office to provide the information verbally and to request verification of the debt. I was told that that the account is scheduled to be reported to the credit bureau in XX/XX/XXXX ( a specific date was not provided ). The lady I spoke to advised that the creditor will be informed of my dispute and no action will be taken until such time after the debt is verify. 

Since I have received no response, a later dated XX/XX/XXXX was sent certified mail to reiterate my conversation with their staff and my dispute. On Saturday, XX/XX/XXXX, I received an email from my credit monitoring service, that IC System reported the debt to the credit bureau on Sunday, XX/XX/XXXX. 

On XX/XX/XXXX, I called IC System. The gentleman I spoke to said that the system shows the account as being on hold due to a dispute and he is not sure what happened or why it was reported to the credit bureau. 

IC System has violated my rights under the Fair Debt Act, by failing to investigate and to provide verification of the debt.

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 2018-04-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have been sending disputes to Experian every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either. This is have been ongoing for almost a year, if this doesn't get resolved so I will have no choice but to pursue legal action against them.

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 2018-04-16 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 with product or service terms changing
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX Sirs, Experian recently changed those services included within their free membership. Like XXXX and XXXX XXXX their free membership had included the ability to lock and unlock the credit report. This is an extremely valuable feature given the many varied methods by which hackers attempt to access ( sometimes successfully as was the case with XXXX ) your financial identity. Experian now believes it appropriate that they should be paid by the consumer to protect the information they have collected about that consumer. In an attempt to protect my personal information given Experian 's new position I would simply not authorize Experian 's collection of such information instead of paying them to protect the data. I do not believe my potential future creditors need access all three reports with one or two being sufficient. I believe the XXXX  should either assure the consumer has the ability to lock their credit report or provide the consumer the ability to pick and chose which credit agency they authorize to collect their personal information. If all agencies were to take Experian 's position the cost to the consumer in an attempt to protect their information would amount to {$720.00} / annum ... .no small amount when extrapolated over your financial life. 
In summary the foolishness of the system is ... ..An organization collects valuable personal information about a consumer without authorization ... ..consolidates such information into a central location with limited protection from potential hackers ... ..then tells the consumer if they wish to try to protect such data they will need to be paid {$240.00} / annum. Some would view such a scheme extortion. 
Thank you I hope you come to view this foolishness similarly.

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 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I previously held a checking account with XXXX XXXX XXXX XXXX XXXX, and overdrew my account. I have since paid the debt in full with there attorney. However they did not accurately report that this debt has since been paid in full as of XX/XX/2017 and it's still reflecting with ChexSystems which will not allow me to open accounts at other financial institutions. Please correct 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 2018-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been complaining for the past 8 months about the same issue and nothing is being done about it. For the past 8 months each time I log into my paypal merchant account it freezes my account and forces me to take a paypal introduction tour that I have taken 237 times over the past 8 months. Each time I call in to technical support I get the same response there is nothing they can do to assist me. If I have a problem please write to our legal department. I don't need to speak to legal department I need access to my account ONLINE!!!!!!!!!! I need someone from the head of tech support and or programming to assist me and not talk to the customer service people who keep telling me for the past 8 months and 11 times I have called in regarding this issue we are trying to resolve the issue its been over 8 months they have had enough time to try to resolve this issue. I do not want to speak to legal department just a tech support person that can take charge and solve the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was told by the counter teller that I should get a secured credit card through their bank ; Bank of America. The teller told me it was a XXXX Refundable deposit and after making a years worth of on time payments I would receive an unsecured credit card with a XXXX limit. I never received my deposit back or an unsecured credit card. I have made all payments on time and have never been late in over a year. When I asked about why I was told it was at their discretion ( Bank of America ) whom receives a refund of their deposit and an unsecured credit card. I was lied to.

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 2018-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
in early XX/XX/XXXX I stopped by a local NAVY FEDERAL CREDIT UNION OFFICE in XXXX XXXXl, NJ.

I only picked up a brochure.

on or about XX/XX/XXXX I received an ACCOUNT STATEMENT for an account that I DID NOT OPEN!

on XX/XX/XXXX after several calls I was directed to the CFPB and I spoke with XXXX   and she advised me to file a claim. I have only been delayed in filing this claim due to a family member passing away.

I am upset that a company or any company would be authorized to open an account without my permission or my social security number.

I feel that they are marketing by creating false accounts in the hopes that someone will set up an account.

I have the STATEMENT that I was sent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: TN

Complaint narrative:
I sent by certified mail 4 disputes and an email to it's CEO XXXX XXXX requesting Equifax to validate adverse accounts they're reporting on my credit report and provide me with the original signed contract with my signature to verify the debt is mine and that it is correct. They have continued to verify this invalidated debt and they have failed to shpw me any proof. If their NEGLIGENT NONCOMPLIANCE continues after this 4th dispute, I will litigate and make them pay me for every unverified adverse account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Saturday, XX/XX/XXXX, I attempted to log into my online chase account. Instead of accepting the login, I was greeted with the following message ( screen shot included ) " Because of recent activity on your account, we've suspended your chase.com access for your protection. Please call us at one of these phone numbers ( depending on the type of account you have ) ''. 

This was followed by a list of phone numbers for different areas of the bank. I have personal savings, checking, joint accounts and credit cards with Chase, so I chose to call the # for banking as instructed. 

However, upon reaching a representative I was told my account has been permanently suspended, that " nothing '' could be done and all accounts would be closed at the end of the month. She could not tell me why and informed me that if I wanted to know I had to go into a branch to talk to a banker. She also stated there was a note on the account stating I had been notified. This was 100 % false, as I only learned of the situation when I tried to log into my account ( that had been working fine a day or 2 previously ). 

Upon learning this disturbing information from the phone representative, I was compelled to drive 86 miles round trip from where I was at to the nearest branch. 

I met with a banker. He accessed my account and called a higher customer service number. I was told he sees this situation from time to time where accounts are closed and Chase never offers a reason ... not even to the bankers. 

Keep in mind, when I try to log in online, the message states my access has been " suspended for my protection ''. The message says nothing about account closure. 

I fail to understand how closing all of my credit cards that are consistently paid and not in default " protects '' me. My credit score is over XXXX and I have been loyal to Chase since the XXXX 's and referred numerous customers over the years. If there is an issue of concern, at least have the decency to tell me what it is so that I may correct moving forward. 

Also I am concerned they have extended this issue to my Mother, with whom I am on a joint account with. Her involvement with Chase is limited to her personal checking and savings accounts. I would be ok with removing me from them if this is an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed
State: TX

Complaint narrative:
XXXX XXXX is listed on my XXXX Credit Report ( XXXX ) three times as an installment loan. It is also listed on XXXX ( XXXX ) as an installment loan three times. It is also listed on my XXXX credit report ( XXXX ) three times as a credit card. This creditor can not verify that the following debt is mine. I have never signed anything with the company. The Company has varying account numbers and varying account types on the report. The company can not validate this debt is mine and accurately posted to my credit. I am requesting XXXX XXXX remove all three credit listing to be removed from all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern, In XX/XX/XXXX I prepaid ( with my own funds ) for a capital one prepaid visa. This was for the purposes of needing emergency funds. This was my money. It was never a credit card nor was it any responsibility for Capital One to provide any credit to me. 

When I finally tried to use the card, it was declined ( it was my own money so I'm sure you can imagine how frustrating that would be ( and embarassing because I was at my doctor 's office in front of many other people. 

It wasn't until XX/XX/XXXX that there was a misunderstanding on my part. I received many many months of junk mail from Capital One and continued to toss it in the recycling bin each month. Unfortunately, I wasn't paying attention ( my mom died and I was XXXX XXXX for which I have medical confirmation if needed ). With all of their junk mail, I didn't see the mail with a {$55.00} charge until it was too late. Capital One reported a 30 day late notice on {$55.00}. 
You will notice on my credit report, that I don't have any other 30 day lates so it's not like I'm a deadbeat who doesn't pay her bills. I've asked Capital One to remove it 2 times given the minor oversight on my part and the fact that it's only {$55.00}. They will not. I've asked the credit bureaus to try and remove. They will not because Capital One says it's a valid report. Capital One says they are required to report it due to the Fair Credit Reporting Act. Well, for {$55.00}, it's about as unfair as unfair could be. Which is ironic since they are hiding behind the " FAIR '' Credit Reporting Act. 
My request to you is this : Can you please find a way to remove the {$55.00} Capital One- 30 day late? For the past 2 years, it has greatly impacted my ability to get a car loan, home loan, credit cards ( up until this year ). I understand I made a mistake but for {$55.00} it's costing me thousands of dollars in terms of car loan % rates. Again, this was my money all along ( other than the {$55.00} ). They EARNED INTEREST ON MY MONEY for 16 months until XX/XX/XXXX and then again for another 2 years, with no risk on their part at all. Again, this is not fair. 
Thank you for your assistance in this manner, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: AES/PHEAA
State: FL

Complaint narrative:
XXXX refuses to remove incorrectly reported late payments from my account, despite the fact that the periods of late payment were placed in forbearance. I have tried to resolve this with them via phone on several occasions with no success. I then disputed the reporting with XXXX  & XXXX. 
XXXX removed the late payments in XX/XX/XXXX, and XXXX subsequently added them back on/around XX/XX/XXXX. This violates the following section of the FCRA : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

XXXX has yet to report back on my dispute, however, I would like these erroneous late payments to be removed so that I may move on. I have attached documentation from XXXX stating that the accounts were placed in forbearance during the reported late period.

Company response to consumer: Closed with non-monetary relief