vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been paying off each of my loans for Navient early. I get to my second to last loan to pay off and my remaining balance was in the $ 800s with an 6.8 % interest XX/XX/XXXX. Out of no where at XXXX on Saturday XX/XX/XXXX I received an email stating, Congratulations your deferment is approved. Confused, I called them later that day to find out how and the office was closed til Monday so I called on Monday XX/XX/XXXX. I was told my loan was now in Deferment because I was in school in XXXX. I said, but I was only in school for two months and then I graduated, how can a loan go into deferment 4 years later. The rep said she didnt know so I said well I dont need it, if you look back over this year I have been paying off my loans so take it off because it says my loans interest will capitalize. She said okay. Two days later XX/XX/XXXX XXXX I get an email stating the terms of my loan have changed and my new balance is now a little over {$1000.00}. I called them for an explanation. I was told two different things. One I was told I didnt pay interest on my loans and when I refuted and told them I have my 1098 and statements to prove otherwise they came back with a second reason. They then said XXXX now XXXX was suppose to put my loans on deferment and didnt so when they bought it they thought it was on deferment but their records showed other wise so they put it on now and when I requested to remove the deferment it charged them to renegotiate my loan terms ( without warning or explanation by them by the way ). I was confused and asked to speak with a supervisor and they tried to give me the first reason again and I explained to them it didnt make sense so then I asked to speak to her supervisor because the lady said it looks weird to her too. The Operations Supervisor told me that it wasnt suppose to increase that much and all she could do is research it. So I asked her to escalate, she put me on hold and then came back and said something did go wrong and she would fix it. Well, it havent been fixed and the plan is to pay this off this week but I cant because its {$200.00} more and if I pay the amount it was then Ill still  have a {$200.00} balance. Navient deferred my loan unexpectedly without reason to get more money out of me since I paid the other loans off early. The amounts are similar to what they were suppose to make with the others if I would have paid them according to schedule, but instead I paid early. They keep giving me different reasons for the increase in balance and monthly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I purchased my vehicle in XX/XX/17. After it was totaled I pulled the contract and reviewed it. Line D - amount {$690.00} is the gap Contract and H - {$3300.00} is the XXXX Comp Contract which includes the gap insurance. I am charged for gap coverage twice. 
Additionally, I did not have the correct coverage for insurance. The lienholder did not ensure proper insurance coverage was on the vehicle. The car had gap coverage and I thought it had full coverage.

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 2019-12-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX XXXX inaccurate XXXX  XXXX  XXXX XXXX inaccurate/no account COLLECTIONS DEPT OF VET AFFAI   XXXX {$0.00} inaccurate XXXX XXXX XXXX XXXX XXXX {$3900.00} inaccurate XXXX/XXXX  & XXXX XXXX {$130.00} inaccurate XXXX  XXXX  XXXX {$2500.00} inaccurate XXXX XXXX XXXX {$2300.00} inaccurate XXXX XXXX XXXX XXXX {$12000.00} inaccurate

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 2019-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

COLLECTIONS US DEPT VETS  XXXX {$0.00} inaccurate 06 XXXX  XXXX {$130.00} inaccurate 09 XXXX XXXX   XXXX {$3900.00} inaccurate 12 XXXX  XXXX XXXX XXXX  XXXX {$460.00} inaccurate XXXX XXXX {$2300.00} inaccurate XXXX   XXXX  XXXX {$12000.00} inaccurate 06 XXXX  XXXX {$0.00} inaccurate

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 2019-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Sent several dispute letter asking for how this public record was verified I have a letter from the courts stating that they dont give records out to 3rd party agencies and I have a security freeze on my 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 2019-12-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD IN MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT ARE LISTED.

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
I initiated a dispute inquiry with the three major credit bureaus, XXXX, XXXX  and XXXX, because of a bankruptcy account showing on my credit file. The results from XXXX  and XXXX  investigation  stated that Lexis Nexis was the furnisher and source of the information that they are reporting on my credit file and I was told to contact Lexis Nexis. I initiated a dispute with Lexis Nexis and in response to my dispute, they sent me a letter dated for XX/XX/2019, and it states that an investigation was done and the resolution was that " We have verified information from our identification records based upon your dispute. '' What is that suppose to mean to me? They sent me a copy of my credit file and it shows a bankruptcy account and it shows that the source of the information came from the courts. I sent a letter to the bankruptcy court, to the address that is on my report and inquired if they had sent information regarding myself to a 3rd party or to the credit bureaus and they responded to my inquiry with a letter that states " that they do not share information with any 3rd parties nor the credit bureau 's. '' ( I have attached that letter. ) The credit file from Lexis Nexis that list the courts as the source for the bankruptcy information is false. I then received another letter from Lexis Nexis dated XX/XX/2019 stating that they initiated an investigation on my behalf with XXXX   and the results were that " The company that reported the information has certified to XXXX  that the information is accurate '', why would Lexis Nexis initiate an investigation with XXXX  when Lexis Nexis was the source of the information that XXXX  is reporting. They are playing games. They have not done a reasonable investigation. They have only sent to me letters stating that the information had been verified but never no proof of who verified it. This company is being very vague with the results of this investigation. I have a right to see and challenge the validity of information that they claim has been verified. I want documentation that clearly shows that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XXXX of 2018 I was given a promotion at work that also adjusted my pay from salary to commission. After accepting the position, I immediately called all of my creditors to see if any would be willing to delay my payment due, as I knew it would take roughly four weeks for me to be paid out my first commission check. I spoke at length with Capital One 's customer service rep, and he set up a payment, double my normal monthly payment, for XX/XX/XXXX, and assured me if I made the payment according to his instructions the account would be in good standing. I did exactly as told, but the account was still reported as 30-days past due. In following up, multiple times, Capital One has refused to acknowledge or rectify their mistake. I am a XXXX  XXXX  XXXX  and deal with personal credit all day, every day. I would never, ever have chosen to make a late payment with Capital One without their explicit and express agreement and guarantee that the account would remain in good standing. I would have just made the payment if I had been told that a payment delay/plan was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: SC

Complaint narrative:
Experian is improperly reporting an account in collection as follows : Creditor : XXXX  XXXX  XXXX  Date Opened : XX/XX/2019 Amount Due : {$5900.00} No account was opened with them or their " Original Creditor : XXXX XXXX '' in or around XX/XX/2019. 

I have contacted Experian and filed a dispute 2 or 3 times to date with no success. I have contacted " XXXX XXXX XXXX '' as well to make them aware of their error only to be berated and yelled at. 

The original account refers to a Student Loan with a date of first delinquency that was longer than 7 years ago.

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 2019-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Had received a " XXXX  XXXX  XXXX  '' Credit card via mail. Called and said that I didn't apply for card. Was told that " they would mark as Fraudulent and investigate. Received letter stating " they '' had completed investigation and that I had knowledge of the debt. 
I called the number on the letter and " they '' wanted more personal info and I felt uncomfortable giving more personal info. The person on the phone said that they were with Citibank Fruad dept. I hung up and called Citibank and spent over 3 hours being transferred ( at one point to XXXX ) with no answer as to how this account got opened and if I could get copies of the application.

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 2019-12-02 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In the past I had a Paypal Credit Account which I had closed. Recently Synchrony Bank Placed a closed remark on my Credit report when I closed this account I had in 2011. Never once prior to now was any credit or acknowledgement of this account or the standing or status of this account reported as being open. I should at least have had a status of satisfactory I was not using the account and owed nothing. It is unfair and illegal I am believing for this company to out of the blue report on something that I cancelled 7 years ago. I called them to ask to have this mark removed or at least fairly report there was never a problem with this account and report the good status it should have. I was met with responses that this could not be removed. Yet I know that to be untrue. I have been careful with my credit and this is definitely an unfair act. 

If this happened to me I am sure there are others with the same issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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 applied for an auto loan today XX/XX/19and I was not approved because there are 3 accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments or transactions regarding any of those accounts. I also have never had any written/verbal contract with any of those companies and I never gave them permission to run or access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Mailed a payment by USPS to pay off the comenity XXXX XXXX card and now its being said never received it - the account is closed so I have not checked since its not being used - XXXX  XXXX  did away with this credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I submitted a previous complaint about an account that was not correct and should have never been on my report at all because I do not owe them any money. Credit Protection responded stating that they will be terminating the account and it will be removed within 30 days it has been well over that 30 days and yet this collection still shows on my Credit Report and is hurting my score. Again I do not even owe this company and that has be justified and verified as well so I am needing this collection to be removed ASAP!

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 2019-12-02 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:
I applied for an auto loan today XX/XX/19and I was not approved because there are 3 accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments or transactions regarding any of those accounts. I also have never had any written/verbal contract with any of those companies and I never gave them permission to run or access my credit 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
Consumer complaint received 2019-12-02 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:
I applied for an auto loan today XX/XX/19and I was not approved because there are 3 accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments or transactions regarding any of those accounts. I also have never had any written/verbal contract with any of those companies and I never gave them permission to run or access my credit 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
Consumer complaint received 2019-12-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX XXXX not mine XXXX   XXXX/XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD IN MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT ARE LISTED.

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 2019-12-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD IN MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT ARE LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: SC

Complaint narrative:
I am a VICTIM of off base/strange/invalid/obsolete as well as conceivably even false deception. This condemning of the mis-announcing/ mis-information affidavit is to declare my direction that you, as regulated, produce physically counters fer federal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception of INACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus my utilzation of this controlled Identity Victim 's Complaint and Affidavit

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 2019-12-02 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: MD

Complaint narrative:
Sent several dispute letter asking for how this public record was verified I have a letter from the courts stating that they dont give records out to 3rd party agencies and I have a security freeze on my 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