vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 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:
RE : Hard Inquiry/Unverified on my behave. 
I recently checked my credit reports with Experian, XXXX, XXXX. 
I have a Hard Inquiry from company : XXXX Hard Inquiry done on : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to Experian Dispute center and to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX have not yet received any return correspondence, at XXXX neither companies.

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 2018-07-27 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: MI

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on my credit report.

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX COLLECTION Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item.

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 2018-07-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on my credit report.

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX  Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I, XXXX XXXX qualified for a discharge for my loans, however I had made future payments to the company until 2019, and they never refunded me for payments that I already made. The company was still charging me interest everyday despite the fact that they were already paid for the interest and principal for that month. For example if I already paid for the month of XX/XX/XXXX and XX/XX/XXXX which is XXXX dollars a month, I would still owe interest on XX/XX/XXXX and XX/XX/XXXX. When I asked isnt the principal and interest included in the monthly payment they reply yes. I dont understand why I have been paying double interest and captalization. The company Mohela even entered my account under a forbearance and they already have a monthly payment. Im so concerned that they are taking advantage of the individuals that owe student loans please look into my account.By the rate that they are going I would never pay them off and I have since cancelled my discharge until they give me the right amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Patrick K Willis Company Inc
State: TX

Complaint narrative:
Calls several times. Called in XX/XX/XXXX but have a voicemail saved from XX/XX/XXXX at XXXX. Uses the name Investigator XXXX XXXX and states he is an investigator and If a debt is not paid he will issue an order to have me arrested at my place of business unless I pay immediately over the phone. He has called and stated he was an officer and gave a false badge number. I called the police and asked if they do that and they stated no, they would not arrest someone for debt at work but, also, would not give badge number and threaten over the phone. I different number is used each time. The last time it was XXXX but stated to call back XXXX. I have spoken to this person and they scare you to pay immediately or they will have officers come to your place of business and arrest you onsite.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2018 I recieved my direct deposit and the moment i used the card the account was closed. I callsd bbca compass clear spend and they sent me to XXXX XXXX when i asked how i would recieve my money. I need the company to send me my money my check asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made reservations and paid for virtually all expenses for my trip to XXXX, including airfare, hotels, transfers, meals, shopping, etc. using my Chase Ink Visa Card. On the way to XXXX from XXXX on XX/XX/XXXX, my flight was delayed and eventually cancelled approximately 5 hours after its scheduled departure and after I had boarded and been on the plane for more than an hour. All passengers were asked to deplane the aircraft and were stuck in the XXXX XXXX airport with no assistance whatsoever from the carrier XXXX. I had already been traveling for approximately 24 hours at this point, and was now stuck in a foreign airport after midnight with no recourse or ability to secure transportation or lodging. After spending the entire night without sleep, I was finally able to book a flight to my destination out of XXXX 's other airport on XXXX, albeit at a different airport and at significantly higher cost. Upon returning home, I tried to make trip interruption and trip delay claims provided under Chase 's credit card agreement. This service is provided through a website called XXXX XXXX XXXX   ( XXXX ) which is owned by XXXX XXXX, and after seven weeks of repeated email and fax documentation submissions and more than 15 telephone calls, neither claim has progressed. I have received a litany of excuses as to why, all of which are unsubstantiated. I have attempted to submit documentation using their website as instructed using two different computer ( one XXXX and one XXXX XXXX ), using three different web browsers in each operating system as well as trying an XXXX  and XXXX, Every time I received and error message stating that there was a problem and to call customer service. Each time I called customer service and was given a different excuse and told to submit my documentation either by email or fax. I have submitted every document via both email and fax, have had no emails bounce back and have every fax confirmation that my transmissions were successful. I have called virtually daily to follow up and continue to receive excuses as to why they have not received my documentation and hence why they can not process my claims. I literally have run out of avenues to pursue my meticulously documented claims, and believe that Chase 's insurance claim processing service is either completely incompetent or potentially fraudulent. Each call has involved a different customer service agent who has provided different or conflicting information and refused to let me speak to a supervisor, a technician responsible for website administration and document processing and the claim adjuster allegedly assigned to my case. Chase and XXXX XXXX have been completely negligent and should be admonished for their failure to honor their credit card agreement and attempting to deny legitimate claims thereunder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I would like to make arrangements to settle the above referenced matter.

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Trakk, LLC
State: MI

Complaint narrative:
I would like to make arrangements to settle the above referenced matter.

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : Hard Inquiry/Unverified on my behave. 
I recently checked my credit reports with XXXX, XXXX, Transunion. 
I have a Hard Inquiry from company : XXXX Hard Inquiry done on : XX/XX/2017 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX  Dispute center and to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX have not yet received any return correspondence, at All.From neither companies.

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 2018-07-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
RE : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, Equifax, XXXX.

I have a Hard Inquiry from company : XXXX  Hard Inquiry done on : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX  Dispute center and to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.I have not yet received any return correspondence, at All.From neither companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The credit bureaus Experian and XXXX  have failed to remove items that have been disputed as being past the 7 year statutory time limit for reporting negative items according to the FCRA. These items have been disputed multiple times and the bureaus never address the actual issue that I stipulate as not meeting the FCRA Requirements and that the accounts are too old to be listed. Upon completion of their dispute they only verify that the account information is correct and simply call it resolved, which is in violation of the law. 

The two accounts in question are the following : XXXX XXXX Partial Account Number : XXXX Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years. 

XXXX XXXX XXXX XXXX Credit Card Account with no Account Number Listed Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years.

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 2018-07-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The credit bureaus XXXX  and Equifax have failed to remove items that have been disputed as being past the 7 year statutory time limit for reporting negative items according to the FCRA. These items have been disputed multiple times and the bureaus never address the actual issue that I stipulate as not meeting the FCRA Requirements and that the accounts are too old to be listed. Upon completion of their dispute they only verify that the account information is correct and simply call it resolved, which is in violation of the law. 

The two accounts in question are the following : XXXX  XXXX Partial Account Number : XXXX Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years. 

XXXX XXXX XXXX XXXX Credit Card Account with no Account Number Listed Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2018 Experian has reported inaccurate information on my credit report. On XX/XX/2018 I requested to remove the account ( XXXX ) from my report due to errors. In which, the account ( XXXX ) was not 100 % accurate. So therefore, the account ( XXXX ) must be DELETED due to inaccurate account balance and account history.

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 2018-07-27 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:
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with Experian, XXXX, XXXX.

I have one hard Inquiry from company : XXXX XXXX XXXX  On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I contacted Experian, XXXX, XXXX and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.

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 2018-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Go Capital Holdings, LLC
State: MS

Complaint narrative:
XX/XX/2018 I talked to a customer service representative at XXXX XXXX we discussed applying credit of XXXX  toward account I mailed in XXXX to make a complete payment of XXXX, credit was never applied to reflect payment, auto loan was originally contacted with Gofinancial. I was told that there is a credit, but it's not a credit?

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 2018-07-27 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: IL

Complaint narrative:
The representative spoke in a kindly manner and I have not had any issues since the recently with Nelnet. I have always made payments on time and never missed any either. 
When I inquired recently regarding change of repayment plan from the income driven to the standard repayment plan. The first attempt to make the change I spoke with a representative that had notified me that I would have to make 3 qualifying payments to change into the said plan. Then she had quoted me an amount that I would have to pay for the loan of {$70.00} and some change for the standard repayment plan of the 10 year term. ( 120months ) When I called the second time to make the change towards the account. The representative quoted me the same amount and had said that the paperwork would be completed and submitted. After a month passes and i am getting ready to make my regular payment I see that there are no change to the account or payments. So I call Nelnet today XX/XX/2018 and speak with a representative that states, that I can not switched into that plan because it was a forced income driven plan. Then I get upset with them and then she states that she would be able to change the plan. She had me wait on hold while she looked into the account. When she returned she quoted me a new rate of {$71.00} and some change. Also shes said that it would take 5 day for them to process the paperwork. I was upset with her in regards to the new higher quote. So we got off the phone, she calls me after 2 mins of hanging up. She said she didn't like the way that this ended and want to see if there was something more that they can do. Furthermore, she has me wait of hold and returns after some time to tell me that I will be talking to a new representative named XXXX. ( The irony here because I attended XXXXXXXX XXXX XXXX XXXX University ). She warns me now that there might be more fees and payments associated with the new plan. When speaking to XXXX I learned that my new payment will be XXXX. At this point i'm to drained to argue. Then he failed to inform me until I questioned him the details, that the new standard plan run 12 years instead of 10 years which is unheard of. I just experienced the most deceptive strategies that any loan account services organization can provide. You can refer to the call on XX/XX/2018 with representative XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, XXXX, Transunion.

I have one hard Inquiry from company : XXXX XXXX XXXX  On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX I contacted XXXX, XXXX, Transunion and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.

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 2018-07-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, Equifax, XXXX.

I have one hard Inquiry from company : XXXX XXXX XXXX On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I contacted XXXX, Equifax, XXXX  and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.

Company response to consumer: Closed with explanation