vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 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: OH

Complaint narrative:
XXXX/XXXX XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not owe. I had a XXXX XXXX which is why we went past due. I was advised to do a loan modification program which I did and I was told to go past due. I was told the lates would come off after we finished the Modification program. These lates are not my fault and they need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: OH

Complaint narrative:
XXXX/XXXX XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not owe. I had a XXXX XXXX which is why we went past due. I was advised to do a loan modification program which I did and I was told to go past due. I was told the lates would come off after we finished the Modification program. These lates are not my fault and they need to be 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 2019-10-31 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: OH

Complaint narrative:
XXXX/XXXX XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not owe. I had a XXXX XXXX which is why we went past due. I was advised to do a loan modification program which I did and I was told to go past due. I was told the lates would come off after we finished the Modification program. These lates are not my fault and they need to be 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 2019-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education
State: IL

Complaint narrative:
XXXX took over servicing my student loan in XX/XX/XXXX. The first payment I made they didn't apply until I called them. Since then for over 6 years I received bills from them that said {$0.00} due each month. I continued to pay {$120.00} per month in the hopes that I would pay off my loan early. Unbeknownst to me in XX/XX/XXXX my monthly payment amount increased to {$160.00} so the {$120.00} I was paying was not satisfying the monthly amount due ( at this time I was still getting bills saying {$0.00} due ). Turns out they were taking the extra amount I had paid over the previous years ( paid ahead money ) and were applying it to monthly amount due. In XX/XX/XXXX of this year I got a bill for {$130.00} then the next month for {$160.00}. At first I just thought my monthly bill had gone up. Then in XX/XX/XXXX I received a bill for {$240.00} so I called XXXX. Turns out my monthly payment amount was supposed to increase every two years but they had never sent a monthly due amount on the bill so I wouldn't know it. After multiple calls trying to resolve the issue the response I received was we made an error ( for 6 years they made an error ) and there is nothing they can do but apologize. Now instead of being paid off early for my student loans I am back to the original loan term due to the error on their part of sending a {$0.00} bill every month until all of my paid ahead money was used up. I have discussed this issue with their customer service department and their ombudsman group and both admit that they made an error with all of my bills but they both say they can not do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: MI

Complaint narrative:
TEKCollection debt consulting agency XXXX XXXX XXXX - XXXX {$140.00} I was treated at XXXX XXXX XXXX of XXXX in the month of XX/XX/2018 and paid co-pay during my visit. I was told by the XXXX XXXX  that i don't need to pay anything out of pocket as it was a checkup for flu and no lab tests or any XXXX was taken. They have prescribed some medicines and i walked out of the Urgent care. Later i received a bill for {$140.00} which i have been disputing from TEK collect for past one and half years explaining the above thing.

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 2019-10-31 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: NJ

Complaint narrative:
Late XX/XX/XXXX : Contacted Transunion. Suggested some information change. Agent asked about my address. The address they had was incorrect. Told them XXXX XXXX XXXX, XXXX, NJ XXXX is only address. Primary Residence. Should be no Apartment or P.O. Box notation! 

XX/XX/XXXX : Called Transunion to address the address. Told them there should be no Apartment Number or P.O. Box address XX/XX/XXXX : CAlled Transunion again.

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 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been trying for a month to get a statement from Capital One verifying that a checking account was closed in 2015. This is needed by XXXX to verify assets. Despite numerous phone calls and documentation from me, they have yet to produce this verification

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I made a purchase through their Shop Through Chase portal the exact same way I have in the past at XXXX. This time as has happened several times in the past, I did not receive a confirmation email confirming the bonus points. I emailed their useless foreign script reading CS reps several times back and forth and received typical canned responses telling me it can take time, each time, as is their custom to waste customers time with XXXX. Finally I received a response from someone who told me that I wasn't credited because I didn't shop directly through Chase, which is ANOTHER lie from them. I MOST CERTAINLY did shop through their portal the EXACT SAME WAY I have in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see below ACCOUNTS XXXX XXXX XXXX   XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX   XXXX never late XXXX XXXX XXXX XXXX never late US DEPT OF EDU XXXX not mine US DEPT OF EDU XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I received a letter on XX/XX/19 stating i was in delinquency for not making payments although I had already spoken to an advisor stating I can only make {$50.00} payments. I reached out via phone on XX/XX/19 Nelnet expects me to pay over XXXX dollars for a monthly payment when I explained my financial situation i was told i still will need to pay my balance. I was not offered about options until I asked what else I can do, the advisors were rude and not well informed. I have been sending payments for years, the manager was no help and was rude as well. I have been making payments for years on what i can afford I will like to pay towards my balance but reasonable amounts not an amount that will leave me stressed or more in debt. The original advisor I spoke too did not follow the proper protocol process now my account is in delinquency although I have been sending my monthly payments every month like I have been expected too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Hello I am a co borrorer on a loan with my mother Primary on the Auto Loan with Exeter Finance. I had a car accident in XX/XX/2019. The other person that hit me had insurance with XXXX. XXXX paid the car off in full. XXXX and XXXX  show the loan paid off. XXXX is still showing a balance of {$1300.00}. I have spoken with Exeter Finance regarding updating my information with Transunion and show the car paid in full. I have disputed this with XXXX XXXX ( disputed twice ) and XXXX ( Disputed twice ). The response I received from both parties is the Account will remain the same from both XXXX XXXX and XXXX. I called Exeter Finance and spoke to a customer service rep. The rep again stated she would send an email to the credit department. I ask her to review her notes in the system. She read that I spoke to a supervisor in XXXX and they received multiple disputes from XXXX XXXX and XXXX. The supervisor I spoke with name XXXX stated she would send an email to the credit department. I ask her to repeat back what she is stating in the email. She said the credit department need to respond to the XXXX XXXX dispute. 

I stated both XXXX XXXX and XXXX, not just XXXX XXXX. I also need a letter showing this car is paid off and for this to be expedited so my credit report can be updated and I should not have to wait 30 days. I waited 30 days on each dispute to no avail with no resolve on the pay off and balance should be XXXX. 

My question was, if you receive disputes from both companies above, then why did Exeter Finance not respond to let XXXX XXXX and XXXX with the paid off car loan. The balance is XXXX. 

I would like Exeter Finance investigated. I had to call them multiple times to get the car paid off. This company does not follow up and they will go thru half of the process the drop it. 

I am trying to purchase a car and the dealers are stated that is keeping my score low due to the balance shown. 

I am very upset with unprofessional company and I do not know how they are functioning as a business when there customers have to constantly call them over them promising that they will take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 
The items in question are as follows : ACCOUNTS ACCEPTANCE NOW XXXX never late XXXX XXXX XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX not mine

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 2019-10-31 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
The taggings and remarks are inaccurate. All I am asking if a valid report because it affects my scores badly.

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 2019-10-31 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: PA

Complaint narrative:
XXXX XXXX continues to furnish an inquiry on credit file. Company stated they will remove the inquiry 3 months ago.

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 2019-10-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report TransUnion XXXX ACCOUNTS XXXX XXXX not mine DPT ED/XXXX   XXXX not mine DPT ED/XXXX XXXX not mine XXXX XXXX never late COLLECTIONS US DEPT ED XXXX not mine US DEPT ED XXXX not mine

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 2019-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Greystone Alliance LLC
State: WA

Complaint narrative:
Greystone Alliance ( XXXX ) has continued to call me on my cell phone and landline about a debt that is not mine. Ostensibly, it is my brother 's. The company has continued to call on a regular basis, per the caller identification feature on my phones. I have repeatedly told the company this information and told them to take me off their call list. I recall doing this in XX/XX/XXXX. Again, on XX/XX/2019, I provided this information and told them to take my name off their calling lists. I was assured this would be done. Greystone called again on XX/XX/2019, and I repeated the information and my request. On XX/XX/2019, my brother contacted Greystone and told them to remove my numbers from their call list, and was assured that my phone numbers were removed by someone identifying herself as XXXX XXXX. Later in the morning, Greystone called me again on my landline. I called the company and requested to speak with a representative 's supervisor, and the representative hung up. I called again, and a different representative told me that my numbers were removed. I noted that contrary to what she had said, I had continued to get called. I requested the full company 's name, the states the company did business in, and to speak with the representative 's supervisor. The representative hung up.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: KEYCORP
State: NY

Complaint narrative:
I started with KeyBank for a personal loan and they keep changing what they were going to do for me. The loan process took over four months to get and that was because I was on the phone every day with them. They would not tell me when they need paperwork and kept delaying the loan. The loan was finally finished after causing great hardship on paying on some of the debt that was being consolidated. Then when I thought everything was done, checks were returned because KeyBank mailed the check to the wrong address. Took them almost 2 months to do something about the check going to the correct address and that is only because I called and provided the correct address. XXXX in the corporate office was useless and told me that nobody was above him within KeyBank to talk with. I spend weeks, days and hours doing the work for all the KeyBank employees that I was dealing with. Now that the loan is set, I paid a {$1000.00} payment in XX/XX/2019 to go directly onto the principal of the loan. I have now found out that KeyBank has suspended that payment and using that payment as my monthly payment. I was told that this is not legal to hold payment in suspense. I was also told that if I make any extra payments on this account for the principal that will be held for the regular payment. I was told that payment will be pulled on the XXXX of every month and I can make any extra payments that I want and now that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2019 met with a representative from TD Bank by the name of XXXX XXXX XXXX. The purpose of my visit with her was to officially close out my account since it was not closed out during my initial request in XX/XX/2019. Ms. XXXX XXXX informed me that the account had been officially closed including my XXXX  preferences. 

Today, XX/XX/2019, I had some money transferred to me through XXXX and the funds were sent to my TD account that should have been officially closed back in XX/XX/XXXX. 

I spoke with a representative today and they informed me that I was never unsubscribed from XXXX through their bank. And that I would have to wait 7-10 business days for the money to return back to the sender.

I do no have the luxury of waiting 7-10 business days for money that should have never been accepted through TD bank since my account was closed. 

This is not the first time that I am having this exact same situation with TD bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My complaint is contained in the documents I uploaded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-31 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-31 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-31 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: NJ

Complaint narrative:
Late XX/XX/XXXX : Contacted XXXX. Suggested some information change. Agent asked about my address. The address they had was incorrect. Told them XXXX XXXX XXXX, XXXX, NJ XXXX is only address. Primary Residence. Should be no Apartment or P.O. Box notation! 

XX/XX/XXXX: Called XXXX to address the address. Told them there should be no Apartment Number or P.O. Box address XX/XX/XXXX : CAlled XXXX again.

Company response to consumer: Closed with non-monetary relief