vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I finance a XXXX XXXX XXXX with XXXX XXXX XXXX. When I finance the vehicle, I was in the middle of a chapter XXXX bankruptcy that discharged in XXXX of XXXX. XXXX approved me for the loan I had an approval from my trustee as well. After financing the vehicle with XXXX, they reported to my credit for a few months. Then I noticed they stopped reporting. I called XXXX to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do XXXX   XXXX for a living. I have had multiple customers in bankruptcy that were approved by XXXX the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of XXXX XXXX XXXX. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.

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 2019-06-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I finance a XXXX XXXX XXXX with XXXX XXXX XXXX. When I finance the vehicle, I was in the middle of a chapter XXXX bankruptcy that discharged in XXXX of XXXX. XXXX approved me for the loan I had an approval from my trustee as well. After financing the vehicle with XXXX, they reported to my credit for a few months. Then I noticed they stopped reporting. I called XXXX to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do XX/XX/XXXX XX/XX/XXXX for a living. I have had multiple customers in bankruptcy that were approved by XXXX the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of XXXX XXXX XXXX. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: FL

Complaint narrative:
On XX/XX/XXXX I finance a XXXX XXXX XXXX with XXXX XXXX XXXX. When I finance the vehicle, I was in the middle of a chapter 13 bankruptcy that discharged in XXXX of XXXX. XXXX approved me for the loan I had an approval from my trustee as well. After financing the vehicle with XXXX, they reported to my credit for a few months. Then I noticed they stopped reporting. I called XXXX to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do auto finance for a living. I have had multiple customers in bankruptcy that were approved by XXXX the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of XXXX XXXX XXXX. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.

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 2019-06-18 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: NV

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, I HAVE COMPLAINED TO EQUIFAX AND I HAVE SUBMITTED MORE THAN ONCE MY IDENTITY THEFT REPORT AS PROOF OF IDENTITY THEFT. I HAVE ALSO SEND THEM THE INFORMATION FROM THE CIVIL CODE FCRA 605B ( 15 U.S.C. & 1681c-2 ) WHICH CLEARLY STATES THAT FRAUDULENT ITEMS SHOULD BE REMOVED/BLOCKED WITH IN 4 BUSINESS DAYS. I HAVE CALLED NUMEROUS TIMES AND I HAVE SENT THEM ALL REQUIRED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.

Complaint narrative:
To whom it may concern, Couple months ago, I got in touch over the phone with Macys Credit Card and set up a payment plan to get a promotional interest fee reversed due to expire time frame. I spoke to a Customer service Representative named XXXX and his employee is # XXXX ( XX/XX//19 ) and he helped to set up a new payment arrangement and gave two months to pay over the amount owe. This was back XXXX/XXXX/19, He gave me two payment amounts which will cover my promotional payments and my regular revolving expenses. In order to get all the interest back, I need to pay {$8000.00} within next two months from XXXX/XXXX/19 and another $ XXXXto cover all and pay in full my card. I was told to called whenever make my payments which I did However I was not given what I was promised. I make the total payment of the interest fee promotion and the rest of the balance didn't go down as Promised which leaving a higher balance. I called multiple times with long waiting times and giving same information over and over again. This is a negative and misleading information promised to customers like me. Until now, I have unpaid balance even though I called and complained many times. All my calls were recorded and they can go back and listened what it was promised.

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 2019-06-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent my documentation to Experian they keep telling me that the information is verified and theyre not provided me proof the way of the documentation to show that this is my actual 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 2019-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I am a breath away from bankruptcy. I enrolled in a debt management program that is helping. I have XXXX, XXXX, XXXX extra income. I already made an agreement with evil incarnate Navient for the private loan. I simply can not and will not pay more. 

They typically call 3-4x per day, and I already have them hard blocked on both XXXX site and a 3rd party app that hangs up, but they keep calling. 

Today XXXX 3 calls XXXX 6 calls! ABSURD! 
XXXX 2 calls XXXX 3 calls CEASE AND DESIST! My next step will be to change my phone # to an unlisted private #. Navient needs to get it through their heads that repeated calls will not change circumstances!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, my daughter applied for a fixed rate student loan from XXXX XXXX. The Loan, " Smart Option Student Loan, '' was for the amount of {$12000.00} with an interest rate of 9.5 %. The total finance charge for this loan was {$7000.00}. On XX/XX/XXXX, my daughter and I ( the cosigner ) received a letter from XXXX XXXX a letter stipulating an error. In this letter, XXXX XXXX states that the 'Total of Payment ' based on the interest rate will be {$45000.00}. The letter provide a Final Disclosure, in which it describes the loan to be a variable rate pegged to XXXX, with a note stating that the loan will never exceed 25 %. Upon contacting XXXX XXXX to obtain clarification, XXXX XXXX denies sending such letter and the new 'Final Disclosure. ' Instead, XXXX XXXX sends loans documents never previously sent or seen by us at the time of the loan application. The loan application was processed online, including signatures. The process did not offer a viable way of obtain physical copies of the online transaction. In fact, the amount of {$45000.00} was never presented during the application process. Had this amount been show or presented during the loan application, my dauther and I would have not proceeded with the signing of the loan. My daughter and I have contacted XXXX XXXX several times to resolve this matter at no avail.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been trying to work with Navient the past two years in trying to get my payments lowered on my account, I have over {$150000.00} in debt and they are no help. When I first called about the situation all they did was just tell me to get a forbearance because they said thats all I could do .. I called a couple of months later and they in XX/XX/2018 and the told me I could get lower payments after I made 3 payments of {$530.00}. So I set those payments up and in the process of it they brought my account current with a disaster forbearance which they have done multiple times and with request to remove them They said they couldnt do that ... I then called almost everyday to see if I needed to keep the payments on file or would I be on the program or I dont, I was told multiple times that I would be fine and in the program and every representative I spoke with told me it was fine because I had other bills and expenses to pay. When I came off of the forbearance I was not in the program and they told me that it was my fault and I didnt do the payments they told me to. I told them to review the accounts and the calls and they told me they didnt which I know they didnt because they claim I havent talked to anyone which I know I did and my fianc has been with me every call I even spoke with a manager. I do not feel as though my situation would be as bad if they would have helped me from the beginning. They have called me 6 times a day before harassing me everyday and I could be on the phone with someone and here they go calling. I have been giving forbearances when I advised them I cant afford the payment and they tell me thats all they can do ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I spoke with SPS on several occasions and the calls were recorded. I was approved for a loan modification and was told that funds held in my suspense account would be applied to the first trial payment. I have spoken with several reps since then, now they are stating that the funds can not be applied until after the modification.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: WA

Complaint narrative:
I filed bankruptcy on XX/XX/2018 and it the US Bankruptcy Court discharged it on XXXX XXXX. XXXX and XXXX have correctly reported my bankruptcy and subsequent dates. However, Transunion is refusing to update my credit report to show that I have a discharged bankruptcy. So, my debt that was included in my bankruptcy makes it appear that I have a pending bankruptcy that has not been discharged. I have sent Transunion the discharge from the US Bankruptcy Court along with a bunch of other documentation and they still refuse to update my credit report more than a year later. 

Their only response to me is that my information was included in the court information received from their vendor. They will not provide the name of their vendor to me so that I can speak to them directly. They will not fix my credit report with the information I have supplied. They told me to speak to the court, which I did and was told that they do not send anything to the credit bureaus, but that I can be assured that my information would have been included to any vendor that receives updates from the US Bankruptcy court. 

I need help fixing this ASAP. This is my second attempt with your company to get this done. The first time you just responded that I would hear from the credit bureau, which I did, but received ZERO resolution ... just the same tired response that their information is accurate, which it 100 % is NOT!!! 

I need you to actually assist me this time. This has gone on far too long. The other credit bureaus are reporting correctly and Transunion needs to do the same.

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 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
BK XXXX discharged in XX/XX/2018. Wells Fargo is the 1st mortgage lender. Had loan for 13 years and NEVER had a late charge or missed a payment. Starting with XXXX of last year, have been trying to get the credit account updated to show payment history. After multiple phone calls and MANY different responses and excuses, Wells FRGO, as of today XX/XX/18, says they are not obligated to do so. They will start to report on XXXX. This is even though the discharge was XXXX of 2018 and/or per their comments didn't receive the BK closing until XXXX. They wont even go back to XXXX and report from there. They also won't report anything BEFORE the bk or during the bk ( from what I have read, they have the right not to report during a BK, even though I paid outside the plan and paid as agreed ). Without a mortgage rating, I might not be able to refinance OUT of this loan and must keep the high rate I have now. I am XXXX XXXX so can do a VA loan now!! for XXXX, it requires 2 years from discharge.

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 2019-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Greetings : For two billing periods ( XXXX and XXXX ), Chase did not apply payments sent to my account balance ; as a result, Chase has reported that I am between 60-89 days late which is not true. I have been in contact with Chase endlessly ; however, they are refusing to correct the mistake that has caused my credit score to drop by over 100 points. I even created a spreadsheet to show Chase that my calculations matches with their account balance for my loan for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. However, my calculations does not match for XXXX and XXXX because Chase failed to deduct previous payments from my account balance for XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a joint saving account which has experienced fraudulent, electronic deposit ( 2 times, total of {$0.00} ) and transfer out of the account 18 times, total amount of {$31000.00} ). The fraudulent activities started on XX/XX/2019 but were only noted by us ( the account owners ) and continued through XX/XX/2019. The merchant name is listed as " XXXX XXXX : XXXX ID : XXXX XXXX '' for all transactions. We have never interacted with a company called XXXX nor a person named XXXX XXXX. These activities were noted by us on XX/XX/2019. We have filed a claim with our bank, placed two stop payments ( one of {$29000.00} which was what was already taken by the time we realized on XX/XX/XXXX and one for any amounts ) and it is currently being investigated by the bank. A hold has also been put on the account which only allows deposits into the account and not transfers out of the account. Attempts to directly address this with XXXX ( which is a bank ) have not yielded any results. They refuse to transfer us to a risk/fraud representative. They will only record the information above and " pass it on '' and do not promise that anyone will get back to us.

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 2019-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Dear Sir/Madam : I am disputing the above-referenced debt in the amount of {$210.00} from XXXX, i never been acknowledge of this debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the FCRA, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge, And with original hand signature of its owner. I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying 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 non-monetary relief
Consumer complaint received 2019-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I worked so hard to get my identity theft information off of my account. I opened a new account with Capital one to bring my credit up and I am paid almost in full on the account right now. Initially, I opened the account less than 3 mos ago and they did not send my invoice so I did not know the first payment was due till i called and they told me I was ok. Had no other issues till I accidentally made a full payment on the account when I was trying to make a lower payment and the money was returned but I immediately made a payment. I looked at my credit report and it is reporting 30-59 days late on the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 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: NC

Complaint narrative:
My Credit information was compromised in the Equifax Breach because of this breach of my information a account was open in my name at XXXX in Account ID : XXXX XX/XX/XXXX. XXXX  send me a letter informing that the account was fraudulent informing me a letter would be sent to each Credit Reporting Agency,  Equifax is still reporting this account as of XX/XX/XXXX. I wrote Equifax a letter XX/XX/XXXX concerning this matter along with the fact Equifax Credit Score is 50 to a 100 points lower than the other credit reporting agencies. This has been going on for my many years it appears Equifax rate XXXX Consumer lower on the same data range from a 584 to a 643 depending who the information is sent to I am tired of Equifax affecting the quality life I can provide for my family.

Company response to consumer: Closed with non-monetary relief