vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
This is in response to Arvests banks numerous and identical answers to my complaints about their violation of Regulation Es guidelines. There is a 60 day threshold. I was instructed to get this complaint and their answer through the CFPB by the Arkansas banking, the states Attorney General and the FDIC before they would be able to proceed. You keep saying my complaints are duplicates.

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 2018-12-18 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have contacted XXXX 4 different times regarding inaccuracy information on my credit report. There are numerous companies reporting inaccurate information to XXXX. Specifically, the inaccurate date of " last payment made. '' I contacted XXXX  on XX/XX/2018, by filing a dispute online ( File # XXXX ) and by phone on XX/XX/2018. I again contacted XXXX by filing another dispute on XX/XX/2018 ( File # XXXX ), and sending a certified letter on the same day. All of the results have been the same. They completely ignored my request and corrected the situation by changing the date updated on my credit report for each of the companies I requested the information be corrected. I believe my request is a simple one. I can not believe the total disregard to my requests. The companies reporting this inaccurate information have the burden of proving what they are reporting which they did not do. All that I'm requesting is correct information on my credit report which I am working on improving.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion So funny contact companies You know for a fact I have You have there documents that clearly show they have NO evidence this is was or ever was my account They are playing games and you are being miss lead in to false reporting buy them. Please look at the game being played here, enclosed a copy of a credi t report stating removed from account sent to the response to CFPB account removed XX/XX/2018 and it never was NOT one day I called XXXX With in 2 hrs it was changed to CHARGE OFF but I was told to wait for an investigation I did not State My complaint was Against the credit company for leing in there response thats leing to myself FTC, CFPB, OCC

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 2018-12-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED GUARANTY CORPORATION
State: FL

Complaint narrative:
Upon the sale of my home, I received letters from XXXX XXXX XXXX   months later that stated that I owed a past. due balance from United guaranty residential insurance company. I have been trying to confirm that the debt is legitimate and that United Guaranty Residential has an outstanding amount that wasn't paid and if unpaid, that unpaid debt has been legally forwarded to XXXX XXXX XXXX and then forwarded to XXXX XXXX XXXX. Those companies have not shown proof that this debt is owed.

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 2018-12-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XXXX of this year I purchased a mattress and adjustable base from XXXX. After several requests for a delivery date XXXX XXXX XXXX ignored my requests so I cancelled the order.None the less the XXXX  deleivered the items several days after my cancellation. My son signed for the order, so I immediaetly emailed XXXX XXXX to come and get the items as the order was cancelled. I put the tiems in storage, never opened never touched. Of course my Discover card was charged for the items which I disputed. Long story short I got a refund from U.S.Mattress for the full amount however Discover Card people have not adjusted my account and it shows over {$2000.00} owing which is the items for XXXX. I have been trying to get this nightmare reconciled but the accounting people at XXXX must have been asleep during their classes in XXXX XXXX becasue they refuse to adjust the amount owed. I have sent letters to the corporate offices of XXXX and numerous emails to thier credit card / financial departments but they are incapable of reconciling this matter. I need your help to interced for me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today ( XX/XX/XXXX ), I received a call from Capital One representative at XXXX PM. As always, Capital One representative has mislead, lied, and hung up the phone. 
The representative did mention that the account was closed on/around XX/XX/XXXX, though this fraudulent company has sent out a letter on/about XX/XX/XXXX stating that if i do not make a payment my account will be closed. This is not the first time that Capital one uses illegal/unlawful tactics to prevent resolving consumer issue or manipulate to have the consumer pay. It is my understanding that Capital One fully assists fraud operators and refuses to refund those that are law abiding citizens. 
Lastly, while capital one representative was on the phone with me we contacted XXXX XXXX XXXX for those fraudulent ACH debits and they have informed Capital One that the transactions were not initiated by me or/and done through XXXX XXXX XXXX. Those ACH debits were fraudulently initiated by Capital One and they refuse to take responsibility even though they did refund me for four of those transactions. 
The representative also lied about this matter never being investigated before when factually 4 out of 7 ACH debits were refunded into my CAPITAL ONE credit card account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have a parent plus loan for my son while he attended the XXXX XXXX XXXX   XXXX. The loan was originally Sallie Mae and is now with NAVIENT. The only success with help with lowering my payment was a forebearance, which only added more money to the parent plus loan. I have received a letter from XXXX XXXX on XX/XX/2018 telling me the if my delinquency is not resolved, your loans will default. Defaulting your loan ( s ) may result in the  following : Reporting of your default to each nationwide consumer reporting agency Offset of your federal tax refund and other federal government payments Garnishiing of your wages Assignment for litigation I am so tired of trying to lower my payments with no success. I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to XXXX for XXXX XXXX XXXX account number XXXX thats reporting on my credit report. The account came back as verified. On XX/XX/XXXX I submitted a method of verification letter to XXXX. I never received a response from them. I contacted XXXX  on XX/XX/XXXX and spoke to a representative by the name of XXXX. I communicated to him that I submitted a letter requesting validation/verification of the above account on XX/XX/XXXX and I had not received any response. He acknowledged that he received it. I asked him to delete the account since they failed to verify it. He specifically said the account was verified but they dont have to tell me how they verified it or what information was used to verify it. XXXX also stated they dont keep information in consumer files about the debt. I know this is against the FCRA because all accounts must be 100 % accurate, 100 % verifiable and 100 % timely. Other violations on this account includes inaccurate reporting. XXXX  is reporting a closed account status with a balance of {$520.00} and an open date of XX/XX/XXXX while Transunion is reporting an open account status with a balance of {$520.00} and an open date of XX/XX/XXXX. Also, XXXX  is reporting payment history on a closed account and the debt has increased several times. Transunion is reporting ND for the payment history and the balance has also increased several times. To my knowledge, all are against the law. Im requesting for this inaccurate and unverifiable account to be deleted immediately from each of my credit reports. This account has caused my credit scores to sink and Im being denied credit because of it. Thank you for your assistance in this 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 2018-12-18 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: GA

Complaint narrative:
I have not had any credit accounts for years. I basically used cash for all my transactions. Recently I decided to buy a house and I had to build my credit to do so. I pulled my credit and notice a lot of activity on there that I did not know about. On the advice of a friend, I ran my information to see if my profile was leaked in a data breach and it was. My credit report should have been blank, but there are several items that I need to remove before I can move forward with my aspirations to become a homeowner. These items include incorrect addresses, phone bills, utilities bills and an auto loan.

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 2018-12-18 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: TN

Complaint narrative:
On XX/XX/XXXX, I mailed certified disputing two bankruptcies requesting an investigation, that are reporting negative on my Experian credit report. Experian received my dispute on XX/XX/XXXX @ XXXXpm, and to this day I have not received any dispute results which is a violation of the FCRA. I called to get an update on XX/XX/18. I spoke to the dispute department and they notified me that my case was now in the special services department. When i finally spoke to XXXX XXXX and another employee, and they stated that they didn't know what happened and why no results were mailed to me. They failed to provide me with verifiable proof required by their company, and that is violation under Section 611 ( 5 ) ( A ) of the FCRA. I also requested the description of the procedure to verifiy the bankruptcy and one the employees told me no, they didn't have to give me anything. That's another violation under Section 611 ( 6 ) ( B ) ( iii ). I spoke to the person that is actually over my case, XXXX XXXX XXXX, on XX/XX/18 and told him their investigation was incomplete and by law they have to delete the unverifiable items that were included in my dispute. He stated that he understands the law, but he could not delete it. I asked him why and he said they can only delete it if it was unverified during investigation. He also stated that an investigation was not done when I mailed my dispute. He stated that the last investigation was done in XXXX of this year even though I've sent disputes in after XXXX. Which is also a violation of the FCRA. Mr. XXXX stated that during the XXXX investigation they didn't contact the furnisher ( court house ) but contacted a third party vendor to verify the bankruptcy. Once again that is a violation of the FCRA and they could not provide me with proof of the verification. XXXX stated that once it comes back verified, it will always be verified without investigation and that is not right nor legal.

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 2018-12-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I entered into an new lease arrangement w/ Mercedes Benz Financial via XXXX XXXX XXXX of XXXX XXXX ( XXXX ) NY. I returned my old lease and which should have been returned in XX/XX/XXXX. And, I had negotiated with the same salesman who I have dealt w/ in the past 5 leases. XXXX salesperson named XXXX had been calling and asking if I was willing to come in and look at the new leases as I already new that I was going to be entering into a new lease. I finally made contact w/ XXXX and went into the showroom in XXXX to start the process of finding a new lease, I settled for the same car but XXXX and the incentive for me was that they were going to payoff the remaining portion of the lease up to 3 months, and I will enter a new lease payment. Because it was the end of the summer, and after XXXX weekend I went into the showroom, gave my down payment, signed my credit application. But there was a hold up on my loan due to requirement needed from the MBZ financial to approve the loan, that was approved and I scheduled a pick up date for XX/XX/XXXX at the Service center. ( That was a horrible experience ). I got my call and new payment details. Then, started getting letters from MBZ financial that I owed return least payment and other payment owed. I called and spoke to some one stating that this should have been corrected because I recieved a new lease. Then, received a new bill in which they corrected it but still stated I owed {$680.00} on the final bill of the old least. I spoke to another person from MBZ finacial and I was on the line as she called XXXX to get this cleared up. I never recieved a followup phone call. Now, ON XX/XX/XXXX, I received another bill for {$680.00} and I called on XX/XX/XXXX and got in touch w/ Manager of MBZ financial named XXXX  , who call and stated that " spoke to XXXX from XXXX and they will not honor the commitment of 2 months payment owed on the car ''. She also said that it my responsibility and the contract is not w/ MBRVC but with you ''. Iimmediately called XXXX, saleperson handling my sales and I have not herd back from him either. MBZ finacial has added negative remarks on my credit report causing my credit report to drop 99 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Over the past 10 years navient has steered me to forbearance and deferment. Only in the past few months have they been more open to me using a repayment income-based plan. I think they're thieves! It's really ridiculous how much student loan there is in this country and how hard it is to pay it back or get rid of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Greeting, In XXXX of 2018, I received verified dispute results from XXXX, XXXX, and Transunion. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.

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 2018-12-18 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: LA

Complaint narrative:
Greeting, In XXXX of 2018, I received verified dispute results from XXXX, Experian, and XXXX. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.

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 2018-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!

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 2018-12-18 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: WI

Complaint narrative:
I contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!

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 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony Bank took a double payment only one of which I consented to. Placing my bank account in negative and costing me fees for a charge I did not authorize. They have stone walled me on fixing their mess up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief