vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 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: GA

Complaint narrative:
I enrolled in online classes at XXXX XXXX University. I withdrew from the classes I was enrolled in the day before the final deadline to withdraw without financial penalty. However, XXXX XXXX University has opened an account showing on my credit score on XX/XX/2013 in the amount of {$1800.00}. I have submitted a few disputes via the three credit agencies but it is still showing as something I owe.

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 2019-06-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I enrolled in online classes at XXXX XXXX University. I withdrew from the classes I was enrolled in the day before the final deadline to withdraw without financial penalty. However, XXXX XXXX University has opened an account showing on my credit score on XX/XX/2013 in the amount of {$1800.00}. I have submitted a few disputes via the three credit agencies but it is still showing as something I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I enrolled in online classes at XXXX XXXX University. I withdrew from the classes I was enrolled in the day before the final deadline to withdraw without financial penalty. However, XXXX XXXX University has opened an account showing on my credit score on XX/XX/2013 in the amount of {$1800.00}. I have submitted a few disputes via the three credit agencies but it is still showing as something I owe.

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 2019-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I decided to conduct a self audit of my student loans with Navient. In looking through the payment and balance history, there is a period of time from XX/XX/XXXX- XX/XX/XXXXwhere principle payments made on the loan INCREASED my loan balance rather than decreased the loan balance. I have reached out to Navient regarding this and I am waiting for their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My previous balance was {$1800.00} including interest charged for the month of XX/XX/XXXX and payment due to XXXX.I was fully paid the amount of {$1800.00} on the due date XX/XX/XXXX. 
Now, I checked online my Barclaycard credit account and I noticed they charge me for another interest charged of {$34.00} and due to XX/XX/XXXX. 

I called that company and I spoke the manager XXXX.I told her Im fully paid last XX/XX/XXXX and I dont have any credit balance why I have still interest charged of {$34.00} and due to XX/XX/XXXX. 
She said thats my accrued interest charged and she refused to waived that amount. 

This not fair in my side.How I cant get interest charged again, Im fully paid and I dont have balance in my credit account.

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 2019-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC
State: SC

Complaint narrative:
A company named Summit Receivables has been calling my cellphone and now theyre calling my job. I had a payment plan set up with them back in XXXX. I missed one payment. Theyve been threatening this 24 hour notice and that was 1 month ago. I dont know if Im being scammed or not. Ive never known a debt collector to call your job everyday. I just started working here and its embarrassing. I have a lot of debt of course but XXXX never had this much harassment before. Other collection companies give me a lot more decency. There was also another number ( XXXX ) XXXX. They have called my job and did not even disclose who they were to my coworker. This cant be legal.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had previously requested information regarding my loan. The problem that I am having is that my loan matured in XXXX 2019 which is when my last mortgage payment would have been due. I received information from the company in response to my original request for information about my account however they did not answer the question as to why they claim that I still owe approximately XXXX dollars. I was never late with my payments and my last payment in XXXX should have paid off my whole loan.

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 2019-06-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
fcra violation inquires from jpmcb hl is not mine please remove it showing late on mortgage was never late correct that showing utilization 100 on wireless bill that effects my score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-06-19 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Mailed dispute letter to Equifax to have some errors on my credit report fixed and to have a promotional freeze placed on my credit file. I received two letters in the mail from them. One stating they could not locate my credit file and asked me to send more information to verify who I was, which i sent legible copies of my photo ID and social security cards. Another letter stating that the promotional freeze was placed on my credit file. How can they local my credit file for one but not the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: CA

Complaint narrative:
fcra violation inquires from XXXX XXXX is not mine please remove it showing late on mortgage was never late correct that showing utilization 100 on wireless bill that effects my score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: CA

Complaint narrative:
fcra violation inquires from XXXX XXXX is not mine please remove it showing late on mortgage was never late correct that showing utilization 100 on wireless bill that effects my score

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 2019-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
I went into EZ Money thinking I was getting a reasonable installment loan to pay off an emergency bill. I received a total of {$2100.00} and now as a result have an almost {$300.00} biweekly payment, specifically {$270.00} for 15 months total payback {$4100.00} with interest and fees.. I do not want to go into default having trouble paying this back. I am simply requesting for a representative to give me a call to get this resolved in regards to the fees and interest being stopped in order for me to pay this back in payments. I do understand the whole concept of interest and fees, but these are way to high and unreasonable, seemingly to be a legal rip off. I do not wish for this contract to be explained for I feel I am very thorough in what I am asking. Again I ask for the interest and fees to be stopped at this point and whatever has accrued to this point I will pay and for me to pay this back as I borrowed. I also ask for the revocation of all withdrawals and deposits be deleted from account. I do want this to be publish so if there is anyone else out here in a crunch to please go to a bank and get a loan, which the bank makes money off of loans as well but not unreasonably. I could have done just that I now wish I would have because I have an awesome credit score and history and I do not want this to interfere. Again I state cease and desist any and all WITHDRAWALS/ DEPOSITS From BANK ACCOUNT AND INTEREST AND FEES UP TO THIS POINT AND ALLOW SUITABLE PAYBACK. PLEASE HAVE CORPORATE representative CALL ME. 

MY NUMBER IS XXXX, THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Law Offices of Gerald E Moore & Associates, PC
State: TX

Complaint narrative:
I spoke with XXXX XXXX XXXX on XXXX XXXX,2019. I was very displeased in how she was speaking to me due to the fact I was calling to get assistance on a settlement. I felt insulted and Ive never felt so low before. She didnt have the decency to place me on hole while getting her manager, I informed her how unprofessional it was and she continued to try to argue with me instead of trying to assist. I was offered the settlement amount of {$2200.00} and didnt have the option to make payments. I recently called the law firm again to see the settlement and I was offered {$3200.00} with the option to separate it into 3 payments over 3consecutive months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One informed me with false information about business credit. Me and my partner were under the impression Capital One would be reporting the business spark card on the business credit file and not the personal file. I asked XXXX ( ID Number XXXX ) can a EIN be used to open business credit and not a SSN. She said No. I also wanted to know why Capital One is reporting Business expenses on my personal credit file. It is very misleading to have customers think they are getting business credit but it still reports on the personal, when the whole goal is to separate business from personal. Also, I want a limit increase on the business card to {$15000.00}. I wasn't happy with {$7500.00} to start when I've been building business credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: IA

Complaint narrative:
In XXXX, I was laid off from employment. I tried to get my payments deferred for a short period of time. In order to do so, I was required to pay {$150.00} for a 6 month deferral. Once this was up, payments restarted. Intrest was variable and between XXXX and XXXX I asked about lowering the amount of the loan. I went over all of my finances and they told me they couldn't lower them, but also wanted to know how I expected to pay them with XXXX dollars left after my other bills. I told them I would be able to. After several months they sent me to their collections department. They then wanted {$18000.00} to settle. In XXXX they sent me to a separate collections agency who then tried to get me to put {$14000.00} on a credit card to pay off the loan. I refused to do so. Thursday, XX/XX/XXXX yet another creditor called me wanting the same, for me to place the loan settlement amount in full onto a credit card. 

I couldn't negotiate payment with them in any way, So they sent me to collections and quickly to a creditor though they still claim to own the loan, and now want me to charge that amount in debt to a credit card with around 23 % interest, which I can not and will not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I requested that AMEX send me my Reward Dollars in a check. The first time I called I was told I had to wait a month while the rewards were posted to my account. When they were posted I could request the refund. I waited the month and called back. I spoke with a representative named XXXX # XXXX who said there was no record of my first call. She said she would correct the matter and I would have a check within 7 days. I waited until XXXX-19, and called again and was told again there was no record of me calling at all. I asked for a supervisor and spoke with XXXX # XXXX who said there was no record of either of my requests and nothing was done on my account. She said would contact her superiors to have the inaction on my first 2 calls investigated. She said she personally had my rewards posted to my next statement and when they appeared I had to call again and request a check at that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: TX

Complaint narrative:
To Whom It May Concern, I am writing you in complaint about Audi/VW Financial. I was directed by OCCC to CFPB because of the nature of the loan. I have a lease for 36 months thru Audi Financial. The price of the car was about {$70000.00}. In which I preceded to put {$12000.00} down upfront to get the payment to where I felt comfortable. In all leases there is a total amount due. Usually closed ended leases calculate that as the total of remaining payments ( including interest/deprecation ). Open-ended leases are different story. In my case, ( closed-ended ) I have had this car for 12 months and was hit by a old lady with only liability insurance. Obviously her insurance company did not cover the entire cost of the car in which my insurance, XXXX, covered under underinsured driver. I problem here now lies that Audi gave me a payoff on the lease of {$50000.00}. My insurance, in which I was not at fault and currently suing the other party for injury, is paying out {$54000.00}. Audi financial is stating they are to keep the overage in payoff. I have spoken to 3 supervisor in Audi total loss department and none of them could answer the question Why? I am in the car finance business. I work with both XXXX and XXXX XXXX, which is XXXX XXXX. Nobody in either total loss department could understand why Audi is refusing to give the money back. I reach out to you in hope that I can get some type of help in resolving this problem. I feel that regardless of the car being leased or financed if there is an overage in payoff, paid by insurance carrier would go back to the insured. Reaping the benefit of my good insurance. I do not believe it is lawful for Audi to keep that money. Because where I stand I am getting total screwed by both Audi and the old lady that hit me. XXXX has stepped up to help but their hands are tied. please contact me at the information below. 

XXXX XXXX XXXX XXXX the lease thru Audi is in my wife 's name XXXX XXXX XXXX Audi acct # XXXX payoff {$50000.00} insurance {$54000.00}. 
total diff {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
The original creditor of this fraudulent account sent me a letter stating that they have removed the account from the credit reporting agencies and that it is no longer being pursued. Well it was removed within the last 30 days under the XXXX XXXX XXXX but now there is a totally new account that has shown back up for a {$1000.00}, which is way higher than the {$100.00}, & {$250.00} that it was previously listed. 
I'm not sure what is going on with this creditor. But this is causing me to not get approved for a house I'm trying to get pre-approved for. 
This is not fair to constantly having to dispute back and forth when they have already received all the proof of fraud, which is why they deleted the previous 2 disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting information on my credit report belonging to another person. Please see the attached copy of my credit report. ( I have also attached a copy of my social security card to verify my SSN. ) At the top of the credit report you will see my name XXXX XXXX - and in the section titled Personal Information you will see the name of a XXXX XXXX XXXX, D.O.B. XXXX. Continued throughout the credit report is information pertaining to XXXX XXXX XXXX. I have contacted the ( 3 ) bureaus to remove XXXX XXXX from my credit report however I have not had any success. This incorrect reporting is not only harming my credit score, it is a case of mistaken identity. XXXX XXXX has had issues with the police as well, as you can see by the attached police report. I was stopped by the police recently and when they submitted my information into their system, XXXX XXXX information appeared. I had to provide additional information to the police officer to prove that I was in fact who I say I am. This is a serious issue and I respectfully request it get corrected on my credit report and that XXXX XXXX information be completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On my Transunion credit report it is showing old information that was already removed.

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 2019-06-19 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: DISCOVER BANK
State: NC

Complaint narrative:
My account have been paid in full for over 60 days now and my credit file is not reflecting this change. I have reach out to the bank and I was told by an agent that they have report to the credit bureaus that the account have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting information on my credit report belonging to another person. Please see the attached copy of my credit report. ( I have also attached a copy of my social security card to verify my SSN. ) At the top of the credit report you will see my name XXXX XXXX - and in the section titled Personal Information you will see the name of a XXXX XXXX XXXX, D.O.B. XXXX. Continued throughout the credit report is information pertaining to XXXX XXXX XXXX. I have contacted the ( 3 ) bureaus to remove XXXX XXXX from my credit report however I have not had any success. This incorrect reporting is not only harming my credit score, it is a case of mistaken identity. XXXX XXXX has had issues with the police as well, as you can see by the attached police report. I was stopped by the police recently and when they submitted my information into their system, XXXX XXXX information appeared. I had to provide additional information to the police officer to prove that I was in fact who I say I am. This is a serious issue and I respectfully request it get corrected on my credit report and that XXXX XXXX information be completely removed.

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