vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 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: SC

Complaint narrative:
Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of verification

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 2018-06-22 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: SC

Complaint narrative:
Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of verification

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 2018-06-22 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: U.S. BANCORP
State: NY

Complaint narrative:
Credit card issuer 's online automatic payment feature duplicated different debit/ amounts ( {$300.00}, {$120.00}, {$120.00}, etc. ) from my bank account for 1 single payment date ( 6/15/18 ). Several calls were made to the issuer to resolve and reverse erroneous, subsequent debits. Issuer claims " 14-21 business days of research is required '' before any funds can be reversed/returned. In the meantime, I have cancelled all future automatic payments.

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
Consumer complaint received 2018-06-22 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: CA

Complaint narrative:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Recovery Service, Inc. (WI)
State: AL

Complaint narrative:
XXXX XXXX won't send me my phone. I believe its being accessed by someone unauthorized. And then won't sent any information about it

Company response to consumer: Untimely response
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I check my credit report on XX/XX/XXXX, and I noticed that Equifax is reporting current information that is two years old. Two years ago  XXXX XXXX XXXX XXXX ( Company Bureau ID XXXX ) reported An auto loan delinquent on XX/XX/XXXX, because I decided that I couldn't continued to recover the cost of a vehicle in repairs that was worth XXXX at purchased and finance for XXXX with warranty that would not cover the repairs of {$3000.00} after only having the vehicle for eight months and spending {$3000.00} in repair cost I could not afford the repairs and with a warrant that I purchase with the vehicle that didn't cover the cost. The problem is that between XXXX XXXX XXXX XXXX and the credit bureau, this delinquent keeping showing up on my report as current or recent delinquent, which continues to worsen my credit score. Equifax has reported this delinquent for XX/XX/XXXX and XX/XX/XXXX as current which is not correct. This delinquent happen XX/XX/XXXX. I would appreciate if you could help me resolve this matter. I am a retired military veteran and I try to maintain a good credit score, but sometimes things happen. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/2017 I was made aware of an account opened fraudulently in my name at Chase Bank. I contacted my local sheriff 's office, all credit bureaus, my banks, and my brokerages. Since then, I've discovered multiple accounts created in my name, and have communicated with Chase bank several times during that time. Chase has notified me that certain accounts were closed, that they have contacted the credit bureaus, and that I am not responsible. However, I still get letters, emails and bills from them with different account numbers. I have submitted a complaint to the Florida Attorney General 's Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: OH

Complaint narrative:
My paycheck was stolen out of my account. I filed a dispute and they said it was a legitimate transaction. This was my response ... I want to physically talk to someone. If you look there are 3 transactions for decline fees at XXXX and 1 balance inquiry at XXXXXXXX XXXX and then the withdraws. I was at work from XX/XX/XXXX at XXXX until XXXX on XX/XX/XXXX. I have the time card to prove it. I was asleep in the state of XXXX   after working an almost 11 hour shift. When I got the alert of the with draw I immediately called. To file a dispute because I didn't make the transaction I have never been to XXXX and do not know anyone there. I can't see where the decline fees were done at on my account. It doesn't take a rocket scientist to know when it's not physically possible to be asleep in XXXX and using an ATM in XXXX. I use the last 4 digits of my social as my pin so whoever cloned my card must have figured out the pin. This is happening everywhere so I don't understand how you can even begin to blame me for a criminal that accessed my information! I will be contacting our local police department about this.The information was stolen and my money should be returned immediately like a legitimate bank would do. I will not let this go. I lost money at work because I couldn't go on an out of town job because of my money being stolen. This cost me a loss of about {$700.00} in wages. I want to talk to someone in person XXXX. I'm tired of people hiding behind messages instead of trying to resolve the issue. They have also not provide me with their so-called documentation. I have requested it repeatedly. I believe this is part of a bigger ring of thieves since there are hundreds of complaints for this very thing and XXXX refuses to give people 's money back. Is this an inside job with their company I wonder?

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 2018-06-22 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: NY

Complaint narrative:
I have been in contact with Experian since XX/XX/XXXX. I have contacted them several times and nothing has been done. I am a victim of identity theft. They assigned my investigation to XXXX XXXX. My last called was XX/XX/XXXX about inquiries that i didnt authorize are still on my credit report. This is the XX/XX/XXXX time I have called in over 30 days about several unauthorized inquiries on my Experian report. XXXX nor anyone else has called me for follow up in my investigation. This is ruining my credit and being an victim of identity abuse is frustrating. I need Experian to do there job.

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 2018-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXXXXXX XXXX XXXXXXXX, XXXX Va. I financed this vehicle through XXXX XXXX XXXX. XXXX repossessed my vehicle and sold it XX/XX/XXXX. In XX/XX/XXXX, I received communication that the final balance due on the note was {$9500.00}. In that " Explanation of Calculation of Surplus or Deficiency '', the original Aggregate unpaid balance as of XX/XX/XXXX was {$32000.00}. With this agreement, the company wanted me to continue paying the $ XXXX/month to settle the account. After paying one payment, this arrangement did not work as I did not have the extra income to cover the {$730.00} and pay new transportation expenses. In XX/XX/XXXX, I contacted the company again in an effort to resolve the balance. The new Deficiency went to {$16000.00}, and somehow my original aggregate unpaid balance increased to {$38000.00} ; additionally all the amounts due changed. As the balance increased, I disputed the balance and XXXX fixed the amount due. I made one payment and the company would not provide a receipt. After this the reported amount due on my credit report increased to {$20000.00}. My last attempt to resolve this was XX/XX/XXXX ; my letter states a settlement amount due of {$6900.00}. After again making one payment, XXXX increased the balance due reflected on my credit report to {$20000.00}. I would like to resolve this account but am unable to as 1 ) the balance continues to change regardless of my written agreements with the company and 2 ) XXXX  is unable to provide a written receipt or any documentation for payments received.

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 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
I've previously submitted a complaint to CFPB on XX/XX/18 about these alleged debts from Midwest Recovery Systems. Per their response, I would receive verification of these debts via mail. I haven't received absolutely anything from Midwest Recovery Systems regarding these alleged debts. I've requested verification of said debt accounts however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for these alleged debts. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.I demand that these accounts be removed from all three ( 3 ) reporting credit agencies please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
We called on XX/XX/XXXX to ask for a 30 day loan payoff statement. They said that they would send it to us via e-mail within 24 hours. We did not receive anything within 24 hours. We called again on XX/XX/XXXX to ask for the same thing. They stated that it had never been submitted. We were told we would receive it within 24 hours via e-mail. We have not received anything yet except for a survey asking how the call went. There is no way to get this information on the website with our account. We also discussed the fact that our autopayment had not gone through on the call made on XX/XX/XXXX. They said that there was no reason that it would not have gone through, but it did not. So we  asked them to make a manual payment for us and that we would not be paying a late fee because the error was on their end. They asked if any account information had changed, it had not, but we gave them all the information again and the payment magically went through, we were told. Upon review of the account today, it appears that only about 75 % of the payment was made and there is an outstanding balance on the account. I can not for the life of me understand why they would not process the full payment not only when it was supposed to be automatically paid, but then not even when we called to make a payment manually due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: MIDCOUNTRY FINANCIAL CORP
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a dispute to XXXX XXXX at XXXX. Clearly indicating that I was disputing information that I had not disputed in the past. As of XX/XX/XXXX I have received no response and the incorrect information is still on my credit reports. 

There is a 30 day late payment showing on my XXXX Credit Report for XX/XX/XXXX, and a 60 day late payment showing on my XXXX Credit Report for XX/XX/XXXX. So according the my credit report if I was 60 days late in XX/XX/XXXX then the date of first default would be XX/XX/XXXX. 

I was not late in XX/XX/XXXX and I sent XXXXXXXX XXXX my dispute including copies of canceled checks showing my payments from XX/XX/XXXX - XX/XX/XXXX. The account was paid in full in XX/XX/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 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Good Morning, On XX/XX/XXXX I received a notification from XXXX XXXX XXXX regarding a denial for a apartment in Washington DC ( XXXX XXXX ). Further, the denial indicated that I would require a guarantor as my credit report from trans union resident score was XXXX. I checked my Transunion credit report and I see that my credit agency score is much higher than that. On XX/XX/XXXX I requested a copy of the credit information from XXXX XXXX XXXX which I am currently waiting my copy. In the mean time I want inquiry how XXXX XXXX XXXX can deny my apartment occupancy with a much lower score than XXXX XXXXXXXX XXXX are they one in the same?

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 2018-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My total original amount borrowed is {$27000.00}, roughly. However, my interest rates caused my total balance currently to date to be nearly {$70000.00}. Over the years I contacted SallieMae/Navient many times to lower my interest rate which was 12.75 % for many years due to the fact that I was unable to make my payments. They kept having me be put into forbearance and pay the {$150.00} to which I did just so the phone calls would stop. I also told them when they did call that I was out on XXXX due to a work accident and was not making nearly what I made between my three jobs at the time. On XXXX of 2017, I called them again after I received a very high payment schedule and told them I am currently in school, and I do not even make my monthly payment at my job. Magically, they were able to reduce the interest rate to 3.0 % and also reduce my monthly payment from nearly {$1200.00} a month to {$300.00}. Even with the repayment plan that I am on, I have already had to call twice to have them " fix '' the payments because I am being charged a late fee because someone did not put the payments in correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian report showed joint responsibility for a mortgage that has been assumed by my wife. I filed a dispute XX/XX/XXXX and received notice it was completed today. The item still remains on my credit report showing joint responsibility but with a note that shows I disputed it. I have documentation from XXXX XXXX explicitly stating that I am " hereby released of any financial obligation. '' That is not a description of joint responsibility for an account.

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 2018-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation
State: SC

Complaint narrative:
I signed up for Zoca loans back in XXXX. My original payment and payment dates were XXXX $ on every Thursday. When I saw that I immediately called the company and have them switched it to every Friday because that's what my paydays are. For a while they were coming out on Fridays and then suddenly it stopped. I noticed the change when I had an over draft fee for them withdrawing my account and the funds were not available on a Thursday. I then called the company again, spoke with a XXXX ( whom was very rude ) told me she would have them switch back to Fridays. I felt like she did not submit my request so I then emailed their support group and was told by a XXXX ( see attached documents ) that my payments would be drafted on Fridays. Went to check my account this morning and saw ANOTHER overdraft fee and that my account was drafted on Thursday XX/XX/2018. I am very furious at this point. I am a consumer trying to make my weekly payments on time and they continue to overlook my requests. I do not have any extra money to be paying for overdraft fees and I would like my money refund back to me from this consumer.

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 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I get a call at XXXX  from Dynamic Recovery Solutions. They hang up, I call them back. Get the automated voice saying that they are Dynamic Recovery Solutions and to hold for the next available agent. Before they had time to say much of anything I informed them it was 8am ( work nights ) in the morning and that I'm reporting them. They asked what the last 4 digits of my SS # are, I hung up. Their number is XXXX. I don't have any debt now. I have an excellent credit score and there are numerous complaints about this company 's tactics. This has to stop. This is harrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX report showed joint responsibility for a mortgage that has been assumed by my wife. I filed a dispute XX/XX/XXXX and received notice it was completed today. The item still remains on my credit report showing joint responsibility but with a note that shows I disputed it. I have documentation from Wells Fargo explicitly stating that I am " hereby released of any financial obligation. '' That is not a description of joint responsibility for an account.

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 2018-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I received a letter from XXXX XXXX, XXXX stating that an escrow refund check in the amount of {$900.00} from XX/XX/XXXX had not been cashed, and they needed me to fill out a form stating that the original check had been lost or was never received so they could re-issue. The letter was dated XX/XX/XXXX, and I returned it to the original sender, XXXX XXXX of LoanCare , LLC ( XXXX ), on XX/XX/XXXX. I guess my understanding is that LoanCare is the servicing agency for XXXX XXXX? Regardless, after receipt of our signed letter, XXXX XXXX stated issuing the check would take 7-10 days to process, and then mailing time. As of XX/XX/XXXX, we still have not received our check and are concerned about the status of it.

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