vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 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:
To the associates overseeing the credit repair companies, I have been trying to correct my credit report because there is an account that is not mine being displayed on my report and it is very damaging. I have already contacted these credit reporting bureaus and disputed this account and the abuse I am getting from this company attempting to collect money I do not and have not owed and the companies refuse to show me a proper investigation. I was asking every one of them to tell me how this information was confirmed and what documents were received and reviews validations it and I have not heard from them or received anything. I do not owe these fund to this company and I have never heard of this company. This information was accidental ; y or illegal placed on my credit report. I do not know which is true but it must be removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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 XXXX/XXXX/XXXX, i sent a letter to Transunion for reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please, I need assistance from this company. I am still being wrongly labeled as 30 days late by Macys and this information is being reported so inaccurately and so viciously against me. They are being very unfair to me and are refusing to rmeove the wrong reports claiming I was late. all of the credit reports have different and inaccurate infkrmtiuon being displayed and I am terribly sad and confused by what they are doing to my finial life. <P/>I was never late to make a payment! It is not my fault that my statements went missing and I called to speak to representatives who had helped me and promised me that the returned statements would not impact my credit score. I am a good person and I do not deserve this false and abusive treatment from Macy 's. They claim to have verified and updated everything with the bureaus but every bureau is showing different false information. One company is saying I have two 30 days late the other says I have one in XX/XX/XXXXand then XXXX says I was late in XX/XX/XXXX! <P/>I am so XXXX and upset and feeling absolutely neglected and lied to. How can Macy 's do this to me? I was never intentionally late and statements were missing and never seen or paid, UI called and complained and wanted all the fees reversed and I was assured this would not impact my credit report. So why has it? Why are they doing this to me? Why does every credit bureaus say something else and yet the accounts read FCRA verified? What was verified? How? Who verified this to whom? Why do costumers get tossed around like we do not matter!?

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 2017-06-27 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
To whom  it may co ncern, Navient reported my account as  90 to180 past due which is inaccurate information. I have been on a repayment plan with nav ient for years now and was advised any late payments would be removed. Please update my credit reports reflecting this nevative information.   XXXX  Account #  XXXX  Dates :   XX/XX/XXXX  &  XX/XX/XXXX  -  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  & XX/XX/XXXX  - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( Experian, XXXX, and XXXX ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders on XX/XX/XXXX and have noticed no change and contacted the bureaus ( Experian, XXXX, and XXXX ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.

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 2017-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FastBucks
State: NM

Complaint narrative:
In XX/XX/XXXX a loan for {$900.00} from a payday loan company FastBucks was processed. Around this same time frame I was having issues with Identity thief. I also was separated from my wife and we had not been in communication. I also was not living in the same city where the loan was taken out. On XX/XX/XXXX a claim was filed with the local magistrate court, reference # XXXX. It was not until I applied for a loan in XX/XX/XXXX that I became aware that I had defaulted on this loan. I went to the local Fastbucks office to obtain information on the loan and how I can resolve the issue. Initially they were unable to provide any information on the loan. It took several months and a number of calls on my part before they provided documentation on the loan. I explained to the regional office manager that I was never notified nor had I been issued a summons to appear in court for the XX/XX/XXXX hearing. Because of the Identity thief that was taking place at that same time period I was uncertain that this was even my loan. The local office eventually provided me with documentation showing that I indeed taken a loan out in XX/XX/XXXX. After apologizing for not taking care of this load, I proceeded to offer a settlement on the loan and would be willing to pay the {$900.00} plus reasonable interest on the loan. At that time the regional Fastbucks manager told me that the loan would have to be paid in full {$3100.00} and was unwilling to work out any settlement. I asked if I elevate this to see if I can negotiate a settlement, she advised I contact corporate. I am a XXXX  military veteran and live on a fixed income, I am more than willing to work on a reasonable settlement with this company to resolve this issue when I called on XX/XX/XXXX they informed me that now I owe almost {$4500.00} on {$900.00} loan. I called the corporate office who told me that I need to contact the local office to negotiate a settlement and the local office told me there is nothing they can do I would have to speak with the corporate office. Again I am not unwilling to work something out but what the company is asking can certainly be described as criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have numerously told   XXXX   XXXX     XXXX   XXXX   that I have consolidated years ago and yet my parents who are not co signers, get repeated calls up to  4 per day. I also received 3-4 calls per day, they are extremely rude on the phone v erbally abusive, insulting me to guilt me into payment when no such payment is even due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A {$6000.00} XXXX XXXX account ( XXXX ) from XXXX 2011 keeps on getting reinserted by Experian after it has been confirmed to not be mine and deleted. This account was mistakenly being reported by both Experian and XXXX in the past. After XXXX initiated an investigation a couple of months ago, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. This account is not mine and in XX/XX/XXXX, Experian also deleted it from my report. I have a copy of a report which shows how it was not reporting on my credit in XX/XX/XXXX. <P/>Under the FCRA SECTION 611 Part ( A ) ( 5 ) ( B ) ( ii ), Experian can not reinsert a previously deleted account if they do not provide me a notice in writing within 5 business days that it was verified. Why is this account on my credit again if it is not mine and it has already been proven not to be mine? I have addressed Experian multiple times regarding this issue and they are refusing to process my dispute. <P/>If Experian really is now saying it has been verified, I do n't understand how that is even possible. How can XXXX 's and Experian 's investigations yield two different results and outcomes?

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 2017-06-27 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: NY

Complaint narrative:
Several loans which are currently being serviced by XXXX have incorrect loan balances and interest amounts. For example, XXXX loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. XXXX is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When XXXX received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.

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 2017-06-27 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: NY

Complaint narrative:
Several loans which are currently being serviced by XXXX have incorrect loan balances and interest amounts. For example, XXXX loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. XXXX is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When XXXX received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I participated in the loan rehabilitation program with XXXX and was told that after completing the program, any negative info on my credit report related to the loans in question would be removed and that the loans would appear as in " good standing. '' The loans were then transferred to XXXX, who then transferred the loans to Navient during the repayment period. However, XXXX report that I did n't pay as agreed and that the loans were being repaid through a government claim. However, XXXX sold the loan WHILE I was making payments " as agreed. '' Additionally, they reported the wrong account info to Navient ( wrong orig loan amount, wrong disbursed amount, wrong interest rate on the loans ). This has caused me to lose credit offers, denial of credit applications, and higher interest rate based on my credit score. Not to mention the incorrect info has negatively affected my credit report and score as the info has been incorrectly reported to the credit bureaus since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX XXXX when you went online banking a message came up that online banking will be closed until XXXX XXXX at XXXX XXXX since that day i have a few Business accounts with apple bank which i can not get login access and I 've been to the local branch like 10 times to get a date for getting access and i was told that  it takes max 2 weeks, the frustration not having access is unexplained in XXXX to wait for online access so long is unheard off, its close to 3 weeks now and still no date for getting access please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
When I try to calculate my payment amount, the " formula '' Chase gives me that they use never comes out to the same amount due for my monthly payment. They say the difference is in the rounding and I do n't think that is the complete truth since the difference is usually higher than an amount that a mere hundredth rounding would leave. <P/>I would like to know : 1. Are they allowed to add the late fees amount into the balance that they use to calculate my monthly payment and if so where is that stated? <P/>2. Are they allowed to report to the credit bureau that my account balance due includes their monthly interest payment and their late fees ( accrued after my husband died while I was trying to get financially back on track from loss of income ) instead of the actual principal balance I owe?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Receivable Solutions calls me repeatedly, sometimes every day, at all hours, despite having been told not to call me anymore. The number that shows on the Caller ID is XXXX. I want the calls to stop please. They have been told to stop calling me at least a month ago, if not longer. They have called me at least nine times within the past two weeks, at all various hours, sometimes very early in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: WA

Complaint narrative:
During the closing process on our mortgage today (  XXXX / XXXX /   2017 ) with First American Title Company I requested to see and read all documents that my wife and I would be signing. I was informed by the title representative that she w ould not be able to provide all of the documents to me to peruse as 'we do not have enough time today '. She told me all of the documents would be copied and provided to me post signing to read, but I believe that would be somewhat misleading as if I have a complaint about the documents I have already signed them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: TX

Complaint narrative:
The private student loan provid er AES Education will not lower my payment. I have informed them previously that I can not afford the payment amount. They only replied, " Your lender does not offer any other lower repayment schedules. You will remain responsible for repayment of the loan '' They are not willing to work with me. I have other student loans I currently pay on also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
A company called Capio Partners is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$370.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27 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:
I participated in the loan rehabilitation program with XXXX and was told that after completing the program, any negative info on my credit report related to the loans in question would be removed and that the loans would appear as in " good standing. '' The loans were then transferred to XXXX, who then transferred the loans to XXXX during the repayment period. However, XXXX report that I did n't pay as agreed and that the loans were being repaid through a government claim. However, XXXX sold the loan WHILE I was making payments " as agreed. '' Additionally, they reported the wrong account info to XXXX  ( wrong orig loan amount, wrong disbursed amount, wrong interest rate on the loans ). This has caused me to lose credit offers, denial of credit applications, and higher interest rate based on my credit score. Not to mention the incorrect info has negatively affected my credit report and score as the info has been incorrectly reported to the credit bureaus since 2014.

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 2017-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
To the consumer protection bureau, I have repeatididuy asked this company, Portfolio Recovery Associates, to stop contacting me, calling me and harassing me over a debt that they assume I owe them. I do not owe this company anything as they claim I do from XXXX XXXX. I have never ever had a XXXX XXXX credit card. I do not know how or why there is a collection against me on my credit reports ( all three of them ) from this company claiming that the account is original debated to XXXX XXXX. I have told them repeatedly that this is not a valid debt for me and it should not at al be displayed on my credit report. This is a fraud against me and I have had a security freeze on my account for years as a result of their hounding me. Check my credit reports and my social I have never opened up or authorized anyone to open up a XXXX XXXX card using my social security number. Sio whatever they think I owe them is false information and fraudulent and they need to stop hounding me and threatening me. I am a XXXX, a mother and I do not even live in California anymore. regardless, they have no right to pursue me and tarnish my credit because of this inaccuracy!

Company response to consumer: Closed with explanation