vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2018 i received a credit alert stating my credit score had drop 72 points now bringing my struggling trans union score down evan lower, when i check to see why it had  drastically drop it was because they stated a credit card i had and paid off over 20 years ago was no longer being used or active this account was closed again over 20 years ago and paid off, transunion and these credit reporting agencies will drop your score for things that make absolutely no sense to keep u in a higher interest rate and tell you u need more credit from high interest credit cards that are as bad as pay day loans, i sent them an email the XX/XX/2018 they told me it drop because i had no active credit never mind i just paid off a car loan of over 3000.00 my credit card with XXXX  XXXX  is allways on time and paid off as were the car loan paid off and the one still existing people of lower finacial and of color fight an uphill battle with the practices credit reporting. Agencies are allowed to get away with they pettle more high interest loan dept for greedy corporate America to further keep you in dept and never able to achieve your goals or dreams, on every low income credit reporting agencies reporting tools is high interest loan dept sold to poor and disenfranchise, this was to lower my already struggling credit to keep me in a higher intrest rate, it is a low and shameful practice that XXXX XXXX and these other credit report agencies do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one credit services have pulled my credit several times in the past year and I have reached out to them regarding this I have never requested credit with capital one credit and there are over 10 inquiries on my XXXX  and XXXX report. Capital one acknowledged these inquires and were suppose to remove them from my credit file however they are still showing on both reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I sent 3 letters dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting removal of inquiries from my credit reports that I did not make. I have previously disputed with Capital One and the CFPB and the inquiries remain without any proof that these were legitimately made by me. The inquiries were dated XX/XX/XXXX and XX/XX/XXXX. 

Please remove these as these requests for credit were not done by me, if you feel otherwise, provide a copy of the application that includes my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
My credit was checked for a home refinance and at the time I was informed that my name is on collection. All my bills are always paid on time. I had never received an attempt to collect a debit. I have tried to communicate with the company listed on my credit report but was unable to find any contact number. I sent a written letter to the POBox provided on my credit report on XX/XX/XXXX but they have not replied to me. 
Collection Agency : XXXX XXXX XXXX XXXX XXXX address XXXX, XXXX, MA XXXX Opened date : XX/XX/XXXX Past Due amount {$390.00} Original creditor : Medical Payment data : Medical I have also contacted all my doctors and the hospitals that I had services on and all of them reported to me that I do not  have any outstanding balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I got a letter two days ago from American Express ( two addressed were on the letter : XXXX, NJ was on the letterhead and XXXX  XXXX, FL was on the bottom ), stating I owed {$37000.00}. I have not had an American Express account for many many years. I have not had any communication with AE for years and my credit reports do not provide any evidence of it. I could not get an account now if I tried since a few years ago I got health issues and would certainly not be approved for any credit. 

The statute of limitations for any earlier amounts would have been way beyond any collection efforts and this threat to avoid collection activities is unethical and illegal. I will be sending them a certified letter, but would like this notes and followed up for company censure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time TransUnion emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it.

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 2018-11-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time XXXX  emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and Equifax. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX and I recently got an alert from XXXX XXXX   showing 3 new accounts of which I did not open. I love in Pennsylvania and these accounts wheee opened in XXXX New Hampshire in the amounts of {$1500.00}, {$1700.00}, and {$2000.00}. I have no idea how these are in my name!! I dont want to have to have this debt when I have no idea where it even came from or how it got there. It shows up as XXXX XXXX XXXX and they used the same account but have 3 different amounts. This occurred on XX/XX/2017. I dont know why I didnt get an alert sooner but as soon as I looked at my XXXX XXXX account I contacted you all. Please help me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX Myself and my husband signed the face sheet of the acknowledgement and receipt of settlement statement. The interest rate was quoted as 5.125 with us paying {$6200.00} to pay it down 2.25 % in interest. File # XXXX, loan number XXXX. Instead, as you go through the paperwork it says our fixed rate is 6.625 %. The original payment, the first, was {$170000.00} with the interest going down through the years as well as the principal going up you should think that our principal would be more than the interest. It is not. Wells Fargo has consistently raised the monthly premium since the beginning. In addition to same be it noted that at this point we have already paid out nearly {$360000.00} yes in 14 years. in addition to same with the plans they have to charge us through XX/XX/XXXX it will be an additional {$440000.00} added together that is about {$800000.00} that is over a half million extra ( {$530000.00} ) when in essence the papers say first off that instead of 5.125 percent we are paying 6.9160 percent. It also states the finance charge is {$360000.00}. It the mortgage papers state total payments will be {$630000.00}. Wells Fargo is not only charging us 6.9 percent although we paid down the points and interest but they are also trying to charge us an extra {$200000.00}. Even though I asked for a copy of the mortgage they had on file the one that was sent merely had a signature on the first sheet. We are supposed to be at a fixed rate. There was no home equity line established, never surveyed, the attachment page B is merely a blank sheet, Neither my husband or myself signed a Waiver of Borrower 's Rights or closing attorney 's affidavit. All this in addition to the information I gave before must be looked at. Please note that every time I have contacted CFPB all Wells Fargo does is play a game of someone is looking into it. First one person calls, then another saying I am sorry she is out of the office they will get back to you. This goes on for months. For instance the situation from XX/XX/XXXX has not been corrected nor has the one from XX/XX/XXXX. Do I need an attorney or a class action suit. In other words there is a lot more and they listen to no one. Please publish this and I will wait a week before going to the XXXX and any other place that can help. I do not know if this is discrimination but it may be for age and/or color. I will send you documentation to show my home was listed as if I owed {$200000.00}. After all we have been paying since XX/XX/XXXX it is now XX/XX/XXXX where is our 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 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is a major credit reporting agency. I have been trying to repair my credit. In XXXX my credit was XXXX. I started paying on debt and In XX/XX/XXXX my credit score was XXXX and 1 week later its XXXX. I had paid off 5 accounts in collection, I opened no new accounts, and it seems like after I cancelled my membership with experian my credit score dropped dramatically and being that I still have a basic membership I have been receiving emails frequently saying something is effecting my score. I guess to show me the drop in my credit score so I could want to sign back up for the {$25.00} membership. Please check into experian scoring process it may be misleading consumers about lowered scores to make them purchase services and when a person cancels fee services they lower your scores. Another thing it's taking them months to remove debts settled. So if you have a hard inquiry they'll lower your score because of the debts still on your 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 2018-11-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
While trying to refinance my mortgage I was told I had a freeze on my credit reports. I called Equifax and after about an hour had it lifted. I called XXXX and after about an hour I had it lifted. I called XXXX and was told to go on line. First, I never requested a credit freeze and second they make it impossible to get help in a timely manner. 

I would like to get this freeze lifted so I can go about the business of refinancing my mortgage. Can you help me??? 

If they have so much power over consumers we should have the ability to fix problems quickly and without crawling through hoops.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After reviewing the account statements I discovered that credit that was applied on XX/XX/2018 for XXXX was reapplied XX/XX/2018 as a charge or a balance transfer. This amount was the charges for the card I had not received and the charges that were not recognized when I had gone to the branch and spoke to the teller that in fact treated me in a very poor manner. There was also a late fee that was charged in XX/XX/XXXX for XXXX and I do not understand how that was done as I have no late payments and Wells Fargo is the only account that has reported this error. So the amount that was in dispute was just reapplied as a balance transfer?? That seems to be unfair and as time has gone by there has been no letter to state the charges were going to be reapplied. Then there was several ( BANK REVERSE CREDITS ) that were not clear as to the reason for the adjustment. I would like to have this issue looked over because I think that doing business with Wells Fargo has become a real problem and that I believe that the balance for the account is far less than THEY have indicated.

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 2018-11-07 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: PA

Complaint narrative:
While trying to refinance my mortgage I was told I had a freeze on my credit reports. I called XXXX and after about an hour had it lifted. I called Experian and after about an hour I had it lifted. I called XXXX and was told to go on line. First, I never requested a credit freeze and second they make it impossible to get help in a timely manner. 

I would like to get this freeze lifted so I can go about the business of refinancing my mortgage. Can you help me??? 

If they have so much power over consumers we should have the ability to fix problems quickly and without crawling through hoops.

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 2018-11-07 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
To whom it may concern, I purchased a XXXX XXXX XXXX   XXXX, on XX/XX/XXXX. 

I have made payments since XXXX, my payments are currently {$600.00} at a rate of 27 % and I owe approximately {$19000.00}. 

The problem is that I reviewed my credit report recently and noticed that Santander Consumer USA, started reporting my loan when I first purchased the vehicle and stopped reporting as of XX/XX/XXXX. 
Per the rules and regulations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681-1681y.

If you are a furnisher of information to a consumer reporting agency ( CRA ), you have additional obligations and will receive a separate notice from the CRA describing your duties as a furnisher. Im insisting that reporting be resumed on my account as well as back dated until last XX/XX/XXXX until XX/XX/XXXX. 

The failure to report my consumer account is very frustrating since Ive been attempting to use this account to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was trying to refinance my mortgage and found a credit hold not authorized by myself on my credit report. I tried to call Transunion but they will not take a phone call and I could not navigate their website. They need to have a life person to fix a problem that they caused since I never authorized a freeze on my credit 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 2018-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I was charged twice in the month of XXXX for my auto payment of {$380.00}. 

The first payment I made manually on the XX/XX/XXXX. The second one came out automatically on the XX/XX/XXXX for another {$380.00}. I did not make this payment and I have never set up auto pay, ever. 

In fact after they recently revamped their website I had to re-register. I couldn't have magically set up auto pay during this time when I had to re-register with the site. 

I called to ask for a refund some time in early XXXX. They said they would mail a check and that it would take up to 10 days to arrive. I waited about 14 days before giving them another call. This was on the XX/XX/XXXX and it is reflected in my call logs. 

They promise to overnight a check to me ( which took 3 days ) and asked if I wanted to make the XXXX car payment while I was on the phone. I said yes and the girl confirmed that I made a payment in the amount of {$380.00} + a {$7.00} card fee. 

You will see in one of my statement screenshots that the payment came out the following day ( XX/XX/XXXX ). 

You will also see where I deposited the refund check in the amount of {$380.00} on the XX/XX/XXXX. 

I have never missed a payment since working with American Credit Acceptance and  my statements clearly show that I paid in both the months of XXXX and XXXX and was overcharged in 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 2018-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
During a phone call in early XX/XX/2018, the representative I had a lengthy conversation with, provided unclear information about how to re-enroll in income-driven repayment plans and partial loan forgiveness program. They told me that once I made 16 payments, I could qualify for forbearance and later loan forgiveness. None of it made sense then or now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I find it criminal how payments are handled. I graduated in XX/XX/2010and starting paying back the loans upon graduation as required. I have been using the Autopay system and often pay more than owed ( for example, paying {$140.00} instead of {$86.00} monthly ). My original loan was for {$7500.00}. According to my most recent statement, I have paid {$4200.00} towards my principal from the start date of my loan and {$3400.00} in interest since the start date of my loan. After fees ( {$13.00} XXXX for an unknown reason, I have now paid {$7700.00} yet I still currently owe {$4900.00}. Nelnet, along with other loan companies such as XXXX, have made it nearly impossible for me to survive. I find it unacceptable how payments are applied ( primarily to seemingly unending interest ) so that I will be paying on this loan for another 10+ years when I have already been paying faithfully every month for 8 years.

Company response to consumer: Closed with explanation