vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The information is incomplete, please do a Validation XXXX XXXX Reported : XX/XX/2019. 
{$91000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information is incomplete, please do a Validation XXXX XXXX Reported : XX/XX/2019. 
{$91000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
After many weeks of receiving hourly phone calls from Navient, I sent them a letter instructing them only to contact me by mail, per the Fair Debt Collection Practices Act, and the calls stopped, although they have emailed me a couple of times. Today, XX/XX/19, the mother of a friend from middle school let me know that Navient had called HER and left a message for me. She is not listed as an emergency or secondary contact in any of my paperwork ; Navient should not have her number unless they dig it up themselves. This is a huge breach of privacy and a clear violation of the FDCPA, given that I had instructed them to only contact me by phone and that they contacted someone completely unrelated to me and told them they were looking for me regarding student loan debt. Per the FDCPA : " a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' Navient clearly violated this. 

The person who contacted her was named XXXX XXXX, and she gave the reference number XXXX and the phone number XXXX extension XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I tried to place a security freeze online as a precaution, as I don't plan on opening any new accounts for a while. I had zero problems placing this freeze with the other two big credit reporting agencies. It took seconds on their end. However, Experian is making me jump through unnecessary hoops. They want me to mail in proof of my identity through the mail ( copies of drivers license, a utility bill, SSN, etc. ). I find this to be  extremely anti-consumer especially because I have an account with them! Why can't I just log in to my account and place the freeze like I can with XXXX  and 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 non-monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I had an auto loan with XXXX XXXX. I paid on time never late. THE CAR WAS TOTALED. I HAD INSURANCE AS WELL AS GAP. I FILED EVERY CLAIM AND DID EVERYTHING I'M REQUIRED TO DO. I KEPT CALLING THEM AND THEY STALLED FOR MONTHS ON THE GAP INSURANCE. THEY KEPT ASSURING ME THAT THEY WERE WORKING ON IT AND EVERYTHING WAS FINE. NOW THEY PUT 30 DAY LATE PAYMENT ON MY CREDIT AND STATED BECAUSE IT TOOK SO MUCH TIME THEY ARE NOT DOING THE GAP. 
THIS WAS THEIR FAULT NOT MINE. THIS IS WRONG PLEASE HELP ME WITH THIS INJUSTICE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, AD ASTRA reported to all three credit bureau that I made a payment to my account for XXXX dollar. I have never made any payment nor contacted this creditor to set up any payment arrangements, and I believe the only reason they are reporting a dollar payment is because it has been on my credit report for 6 years, in XX/XX/XXXX that would make the debt 7 years old which typical falls off. This company falsely reported inaccurate information, and I am requesting that they delete it from all three credit reports. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: GA

Complaint narrative:
XXXX XXXX XXXX is showing current on payment with a XXXX  balance. But it also shows a late payment and over the credit limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Have been dealing with this issue since XXXX. Capital One was made aware that someone accessed my account fraudulently and I no longer had access. I have went back and forth for three months now with Capital One employees telling me one thing and then the next employee telling me something else. I receive none of MY PERSONAL information, yet I have someone else 's personal information which Capital One is aware of and still has done nothing about. Never attempted to help me with my account just stated my account is being handled by fraud. Well, the Fraud department is doing absolutely nothing to assist or help me. My account is being reported negatively and inaccurately when I have no access and have not had access since XXXX and I just keep being told the account is being handled by fraud. Every time I call I keep getting the same response which is fraud is handling it or the only issue is you cant log in. NO that is NOT the only issue. I have repeatedly informed Capital One of my issues. Still to this day, no access, no statements, nothing of my own, yet I am STILL receiving someone else 's personal information, statement, balance, etc. and Capital One does nothing. I made a payment today, XX/XX/2019 after calling in again for the second time this week and being instructed on XX/XX/2019, by the supervisor I spoke with to call back on XX/XX/2019 and check the status of the account as their should be a resolution by then. The supervisor also informed me when I inquired about a payment that once the status of the account is updated, they can then take a payment. Fast forward to today, XX/XX/2019, I called in again to check the status and was transferred 5 times only to get a representative who stated she is only showing that I am unable to access my account. NO, I no longer have access to MY personal information and when attempting to regain access, none of the retrieval methods work, even when Capital One attempted to gain access on XX/XX/2019. The representative stated she can send an email for someone to call me, which they have done so many times now, and I never receive a call back. She also stated that to avoid further fees and negative reporting, I should make a payment, which I di and had no problem doing so. But here 's the thing, AFTER doing so, I was told it may not apply to my account??? WHAT?! My account is locked so they are unsure where it will post as they can't issue me a new account number due to the account status. So of course the account status is still out there in cyber space somewhere and I still have no access to my account whatsoever, but I do have access to someone else 's account. That sounds like a breach in Capital One 's system to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
Comenity Bank increased my monthly payment by {$1.00} without my knowledge ( I was hospitalized when I made a payment online ) and has since charged my {$250.00} in fees for this {$1.00} mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: GA

Complaint narrative:
XXXX XXXX XXXX is showing current on payment with a XXXX  balance. But it also shows a late payment and over the credit limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I was talked into taking a student loan with University XXXX XXXX when I was almost XXXX yrs old. About 15 years ago with the promise I would make XXXX a year. But now I am XXXX in debt making XXXX a year. I know there was a class action lawsuit due to their treatment, fees etc and I contacted them they say they will only help me since my debt is not with the school. My debt is with Nelnet loan services but why would mine not be included??. I am XXXX years old and cant ever buy a home due to this debt. I am on a 20 years repayment plan but it keeps me from ever owning anything. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
If a card issuer decreases your credit limit, the card issuer can not charge you over-the-limit fees or a penalty rate for exceeding your new, lower credit limit, until 45 days after it has given you notice of the decreased credit limit. A card issuer can not charge you over-the-limit fees if it didnt give you notice of the decreased credit limit or if you havent opted in to the payment of over-the-limit transactions. 

Synchrony bank decreased my credit limit, based on information they said they received from XXXX. I have just spoken with XXXX   and one of the factors is " Not enough balance paid down over time on real estate secured loans '' They gave me this card when my mortgage was new and I have made all payments on time and in the proper amount. How can they possibly use this as a factor when it is not. I have more paid down today on my mortgage than I had when I opened the two cards which they did this reduction on. It is a form of deceit. When they reduce your available credit on a card, it looks like a reflection on your ability to pay. It lowers your score and perpetuates the as the second factor that they use which now says, You have Too many revolving accounts with high balance compared to credit limit. A direct result of them lowering my available credit on three accounts- a very poor reflection on me as though I am at the top of my credit limit, which I was nowhere near and which I have been paying with payments they establish. I have now made a decision based on their false credit reporting, I will not continue to be responsible due to their deceitful credit practices. This bank should not be permitted to randomly do this and by the way I was not given the proper notice ( 45 days ) to address, these reductions. Its all well and good that they give you credit, but if youre fulfilling your part of the contract, it seems unreal that they can affect your life and financial well being in such a negative way, because they want to make a different decision now. All my factors are the same as when I got the card. I make more money now, I have been in my house with a mortgage for much longer now. I have been paying on these balances for much longer now. Why does that warrant a reduction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: WA

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3400.00} on XXXX XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently and does not belong to me. I have filed a formal complaint with Identity Theft.gov as well. Please see confirmation page with reference number XXXX attached. I did not now, nor have I in the past had an account with XXXX XXXX XXXX/XXXX   XXXX. I did not sign nor did I give permission for this account to be opened. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I initiated a dispute with Wells Fargo credit card ending in XXXX on XX/XX/2019 for {$27.00} from a coffee shop at the airport of XXXX XXXX. I got some food and it was damaged or defective. As a result I got XXXX XXXX and XXXX. Since in XXXX XXXX is not unusual for contaminated food to be sold or for people to be sick, I went to the doctor on XX/XX/2019 to check to make sure I did not have a virus. On XX/XX/2019 I got a letter stating my dispute had been declined because is believed to be a " tort claim ''. I called back on XX/XX/2019 and requested to speak to reopen dispute. I spoke to several reps but all denied my requests. One rep told me to send a letter from a doctor showing that I went to get some attention from a doctor and to explain in a letter what had happened. I sent the documents same day XX/XX/2019 by email and never heard back from Wells Fargo again. Today XX/XX/2019 I called to check the status and I was told the dispute was never reopened and that they had gotten my email with paperwork. I spoke to a supervisor XXXX and she did not give me any options to appeal the decision or of my rights for a dispute. I also was never given any options by mail or course of action to take for a declined dispute and what to do. I told XXXX that if my dispute was not reopened and resolved that I would close my account and file a complaint. I also mentioned to her that I believe the dispute department tried to deny me my dispute and used as an excuse " tort claim '' to deny my claim without any explanation or substantial evidence. Please see all letters supporting my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: TX

Complaint narrative:
EXPERIAN HAS REPORTED THE INFORMATION ON MY CREDIT REPORT FOR MONTHS AND THE ACCOUNTS LISTED BELOW DO NOT MATCH THE ACTUAL HISTORY OF MY CREDIT ACCOUNTS. I HAVE COMMUNICATED TO EXPERIAN TO PLEASE REMOVE THESE ACCOUNTS. I INFORMED THEM OF THE ERRORS BELOW IN WRITTEN LETTERS. 


XXXX XXXX Account Number : XXXX You are reporting that there Is a " balance '' of {$760.00} and " Past Due '' amount of {$180.00}. it cant be both. Delete. You also are reporting late payment status is " 150 days late '' but XXXX   shows " 120 days late '' it can not be both AND you also report Late Payment Status is only " 30 days late ( 1 time ) It can not be late 150 days and only have ( 1 ) 30 day late payment at the same time. DELETE Immediately. 


XXXX XXXX XXXXXXXX Account Number : XXXX You are reporting this account has a " past due '' amount and " balance '' but the payment status shows is " charged off ''. It can not be both. You are reporting ( 1 ) 30 day late payment and the other credit reports do not report any late payments. It can not be both. 

XXXX XXXX Account Number : XXXX You report there is a " Past Due and Balance '' of {$11000.00} but this account is " Charged off '' at the same time. it can not be both. You are reporting ( 1 )  30 day late payment but XXXX  shows no late payments. It can not be both. 

XXXX XXXX Account Number : XXXX You are reporting a " balance and past due '' amount of {$1000.00} but this account is " Charged off '' It can not be both. You are reporting ( 1 ) 30 day late payment but the other credit bureaus report 0 late payment status. it can not be both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: CA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. REVERESE MY PAYMENT HISTORY I NEVER BEEN LATE ON MY REPORT IT SAYS I WAS LATE XX/XX/2019. 
1. Other information I would like changed XXXX XXXX Account Number : XXXX I was never late 2. Other information I would like changed XXXX XXXX  XXXX Account Number : XXXX I was never late 3.  Other information I would like changed XXXX XXXX Account Number : XXXX I was never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: WA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$3400.00} on XXXX XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently and does not belong to me. I have filed a formal complaint with Identity Theft.gov as well. Please see confirmation page with reference number XXXX attached. I did not now, nor have I in the past had an account with XXXX XXXX XXXX/XXXX   XXXX. I did not sign nor did I give permission for this account to be opened. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: WA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3400.00} on XXXX XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently and does not belong to me. I have filed a formal complaint with Identity Theft.gov as well. Please see confirmation page with reference number XXXX attached. I did not now, nor have I in the past had an account with XXXX XXXX XXXX/XXXX   XXXX. I did not sign nor did I give permission for this account to be opened. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been in the care of my fiance ' for over 12 years in which I have been well cared for and did not have to want for aqnything notr had I any need for credit as he provided everything for me upon his insistence. My fiance ' recently died and I have been in need of housing for myseklf, so I have checked my credit with a monitoring service and have found out that my credit has been used for someone to obtain various services and products. I have files various fraud affidavits with local police, FTC, and other credit service provided to putan end to this fraudulent use of my personal information.

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