vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-02 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: Equitable Acceptance Corp
State: NJ

Complaint narrative:
I was contacted by Equitable Acceptance inXX/XX/XXXXXX/XX/2017. They told me that I may be able to qualify for student loan forgiveness plans. They explained to me what that was. That depending on my income, which they eventually received and some other information, they told me that my payments would be {$15.00} a month for 25 years. After the 25 years the remaining balance would be forgiven. They also informed me that these programs that were put in place by the Obama administration were going to be removed by President Trump.  They also informed me of their monthly fee of {$39.00} for 33 months, which totaled {$1300.00} financed. A couple weeks later I contacted the government and they informed me that I actually had no payment due and that such things they told me were untrue. I called Equitable Acceptance right away and they said someone would contact me, they did, and they said they would listen to the audios and get back to me. But no one has.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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:
Dear Credit Reporting Agency, Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

Account Name : XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX : 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 2018-02-02 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:
Dear Credit Reporting Agency, Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

Account Name : XXXX XXXX XXXX  COLLECTIONS : XXXX XXXX XXXX XXXX : 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 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
JPMorgan Chase keeps sending bogus letters with no information on them. They say they are working on the issue. I don't know what issue they are talking about since I have not contacted them. They assign a different executive specialist ever time. I called XXXX XXXX close to twenty times today. The executive specialist never answer their phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: NC

Complaint narrative:
I have multiple hard inquiries on my credit report that I do not recognize and are unauthorized. I have called TransUnion as well as sent a fax. Their response has been to get in touch with the company that originated the inquiry. When I have reached out to the company who has originated the inquiry the tell me to talk to the credit bureau. 
As you can imagine this is very frustrating. As you know hard inquiries are looked as a negative on a credit report and can cause me to get turned down for potential loans, credit, and mortgages. 
The following inquiries were not authorized by me : XXXX XXXX 12XX/XX/XXXX XXXX- XX/XX/ XXXX- XX/XX/ XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/

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 2018-02-02 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: UT

Complaint narrative:
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and Experian. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is 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 2018-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I closed my Capital One credit card account in XX/XX/XXXX At that time, myXX/XX/XXXX payment was already scheduled. At the time of my account being closed, my account was on Autopay.  After my account was closed a month, the autopay was no longer in effect. I believe that Capital One cancelled it when my account was closed. No payment was drafted in XXXX or XXXX. Because of this many large late fees piled up on the account, starting in XXXX, XXXX and XXXX, causing my amount due to balloon. Capital One called me in late XX/XX/XXXXto discuss my overdue account, which was the first hint that I had this account was overdue. I signed back up for autopay in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was expecting my Direct deposit today Friday XX/XX/XXXXbut it was not in my account at Simple Bank ( BBVA compass ) i verified with my employer that they sent it and it was to the correct account number. I called Simple customer service and they could not give me a turn around time of when it will be resolved. When i asked for a manager i was told that the manager cant help me either but went on to pur me on hold for 45 mins. I read online that this happens a lot with Simple. Pls help. The amount of my deposit missing is {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: VW Credit
State: CA

Complaint narrative:
I had sent the check as a payment before XX/XX/2017 ( the due date ) But the  payment came back to me. I was never late on payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: NY

Complaint narrative:
The dealer who handled my documents did not properly transfer the title, leading the vehicle to get repossessed. He misused my Identity ( ID fraud ) In the interim, he prolonged the time in correcting his mistake, resulting in the car to be sold. I then contacted the initial financing company ( Westlake ) explained the situation and provided them with documentation. Because I was left without a vehicle after financing it, I went to the Dept of Motor vehicle and put in a complaint. Upon the DMV 's instigation, the dealer was fined for faulty practices. I have contacted the collection company in regards to this matter as well as Westlake Financial to properly report on my credit report. I gave Westlake the police report, showing the vehicle was repossessed due to the title not matching the plates and then sold and I had no longer possess the vehicle. XXXX stated they will not collect the balance on this account because I provided proof of the fraud that was committed. However, they continued to report this fraudulent debt on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: UT

Complaint narrative:
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, TransUnion and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is 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 2018-02-02 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: UT

Complaint narrative:
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with Equifax, XXXX  and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I have contacted XXXX XXXX on several occasions over the span of the last two years. They list a collection account from XXXX XXXX on my credit report. However, I have never had insurance through XXXX, only through XXXX. Despite numerous requests to have the information removed from my report it continues to persist.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: FMS Inc.
State: WA

Complaint narrative:
I have phoned FMS several times left many messages XXXX XXXX, Vice President of Compliance. I would like a break down on a spreadsheet showing the loan while at FMS what the Collection Costs were at the time before it transfer, Interest on Loan was before it transferred, and Principal of the loan while it was first assigned at FMS. Date of First assigned at FMS to the end break down before it was sent off to servicer for financing. I have nothing to break these costs down for my review in the attached letter. Please send requested information to me at your most earliest convenience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
There was an XXXX XXXX charge of {$24.00} on my XX/XX/XXXX XXXX XXXX credit card bill for account # XXXX that neither I nor XXXX could find support for. I disputed the charge as fraudulent. XXXX   never credited the {$24.00} charge. Moreover, XXXX added several months of {$27.00} late fees, bringing my total account balance to over {$100.00}, and then placed my account for collection with Citi-Bank. When I contacted Citi-Bank to explain my fraud dispute, Citi-Bank immediately stopped collection action. I phoned XXXX Credit Department numerous times and sent them at least two certified letters. XXXX later closed my account in XX/XX/XXXX, as I recall, but reported this as an Adverse Account to XXXX and a negative account to both XXXX  and XXXX I recently discovered that this is still on all three credit bureau reports. Today, a XXXX Credit Department representative acknowledged that XXXX documentation on my account shows there was a fraud problem. However, the representative said that as this is an old account, XXXX will need to do further research to resolve it. 

It appears that XXXX Credit Department personnel didnt think they needed to correct XXXX negative reports to the three credit bureaus regarding my XXXX charge account # XXXX because they had closed my account. However, this left a problem transaction on my credit record and lowered my credit score, even though the transaction was related to a fraud and was not my fault. As of XX/XX/XXXX, this problem has not been resolved.

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 2018-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: FL

Complaint narrative:
I have been trying to resolve a complaint with Lending Club. Pursuant to the lending agreement, I submitted a request to arbitrate the case. 

Lending Club has not responded in any way to my attempt to resolve the matter. They have since written the loan off as noncollectable. 

I would like to have this case resolved via arbitration per the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: GA

Complaint narrative:
At the beginning of XX/XX/XXXX I contacted US Bancorp about changing my address since I had recently moved to another State due to the XXXX moving me. While on this call the banker informed me that my payment would change to a lesser amount due to lease laws being different from Colorado and that I should make the new payment for the coming month. I asked specifically if this would generate a 30 day late since my billing cycle had ended and the reply was no. Needless to say, I ended up with a 30 day late for XX/XX/XXXX. I did not receive an additional call or mail to inform me that there was an issue. I even looked at the application for US Bank and it had a zero balance throughout XX/XX/XXXX and up until the new payment generated for XX/XX/XXXX. I have contacted them countless times and disputed it with them as well as XXXX. They have denied my dispute twice. I have been on time without fail since the lease started.

I even asked for them to review the phone call from XX/XX/XXXXto show them that my story was true and a simple mistake was made on their end. They refused to listen to the recorded call that had the banker saying that all would be great and the 30 day late situation wouldn't happen. They even siad if it was their fault, they wouldn't fix it. They have no interest in making this right and I want everyone to steer clear of this terrible Corporation. This bank does shady business and doesn't take responsibility for their employee 's actions. 

Ultimately, if you tell a customer to change a payment and that it wouldn't generate a 30 day late which can be proven on a recorded phone call, they should fix the issue immediately. US Bancorp is not interested in helping the hands that feed 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 non-monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
MY WIFE TRIED TO DEPOSIT A CHECK INTO AN ACCOUNT AND WAS TOLD THE ACCOUNT WAS CLOSED. WITHOUT NOTICE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: Nelnet, Inc.
State: MI

Complaint narrative:
This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve Nelnet accounts pay status " Account 120 days past due '' Accounts as follows : NELNET XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XXXX- {$2400.00}, 9/18/2003- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account NELNET XXXX reporting {$3700.00} account more than 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: PA

Complaint narrative:
Transunion File # XXXX Date XX/XX/XXXX Transunion has on my credit report ( XXXX ) unknown XXXX XXXX XXXX Transunion has on my credit ( XXXX ) unknown as Transunion has on my credit some months a ( XXXX ) for months and then Transunion has XXXX. The reporting is not correct as Transunion has XXXX XXXX XXXX. Transunion. On all ( 3 ) XXXX XXXX XXXX loans are not correct it goes as long as a year ( XXXX ) showing and as Transunion effects my credit due to there not reporting right or updating as XXXX XXXX XXXX sent back to me from XXXX as of XX/XX/XXXX that all correct information was sent out to all 3 credit bureaus. Transunion need not report or go months with an ( XXXX  ) as unknown and not update correct on my credit file. It makes no sense or poor reporting practices and information by Transunion not correct.

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 2018-02-02 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 was a victim of ID Theft in last 2017. I contacted all the credit bureau 's and Equifax is the only bureau refusing to comply with Federal laws, after I sent them a copy of ; 1. Fraudulent Student Loans Accounts Reporting on Credit 2. Copy of police report 3. FTC Identity Theft Victim 's Complaint and Affidavit 4. Letter stating the accounts are fraudulent Equifax, did not verified the accounts within the allow time ( 30 days ). They sent me a letter dated 45 days after my request for them to block all fraudulent accounts. Equifax refused to accept my documents and refused to provide me any proof of the accounts. 

I am a victim and they are trying to treat me like the criminal and I am unable to move on with my life because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: NY

Complaint narrative:
I Disputed online with both XXXX and Experian. They would not provide me with verification or validation on XXXX and XXXX XXXX Negative accounts on my report. They simply put a statement on my report that says verified. I redispute and still no resolve.

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