vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I have been attempting to make a payment on my loan through XXXX XXXX   since XX/XX/XXXX and the website will not allow me to make a payment. Their new website is not functional and despite several messages to the company, I have not gotten a response or a solution. 

The company is aware of this problem per their XXXX page, but they have claimed the problem is fixed, despite many other consumers posting that they are still not able to make payments. 

Additionally, I was forced to apply via mail ( because the website would not give me an option to sign up online ) for automatic monthly payments. However, on XX/XX/XXXX I was sent an online message from XXXX with the subject line : " You Aren't Eligible for Direct Debit Payments '' with the following reasoning : " Your loans have not entered repayment. '' However, at the time my loans were in the grace period but I was still being charged interest even during the 6 months of grace. Despite being charged interest already, XXXX XXXX would not allow me to start direct debit payments, forcing me to incur interest without a making payments to prevent it. 

Additionally, because my first application was denied due to my loans being in grace, I can not apply online for automatic payments still to this day. This has made it frustrating and impossible at times ( like when their site is down ) to get my loans paid in a timely manner. I can submit another paper application, but I do not think it should be this hard to simply pay my student loans back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CONTINUATION TO CFPB CASE # XXXX it's now exactly 90 days, and my personal capital one credit card is still not reporting to XXXX and XXXX, I will attach your original response and you promised that you investigated and " IT IS REPORTING '' WHEN IN FACT IT DOESN'T. 

Then you said, I should give it up to a maximum of 90 days, and it will report. 

Dear Capital One, please understand, one of the reasons I'm being denied credit, or only getting approved for low limits is because this account is not reporting!! 


Please stop with the stories and have this reported. 

BE HAPPY I DIDN'T REPORT TO THE CFPB THE FACT THAT YOU CLOSED MY SPARK BUSINESS CHECKING & SAVINGS ACCOUNT BASED ON A FALSE ACCUSATION THAT THE SAME IP address WAS USED FOR AN ACCOUNT WHICH IS COMPLETELY NOT ASSOCIATED WITH ME, BUT THAT ACCOUNT I GUESS HAD A PROBLEM AND THEREFORE YOU SHUT ME DOWN! 

I understand and respect that capital one has the most beautiful terms and conditions which has ever loophole to violate every consumer law. And I have to give credit to capital one for the fact that their TERMS & CONDITIONS is a XXXX XXXX XXXX best seller for already 5 yeas!! 

However, even with the most beautiful booklet called " terms and conditions ( to let us do whatever we want ) '' I read it again and it doesn't say anywhere you can close accounts based on false accusations. 

But I just let it go and accepted the damage and didn't even bother calling to re-open it, as I knew with certainty there's no-one with a heart that will care no matter what, in fact they'll just have pleasure from it. 


back to the point please report my credit card to the 3 credit bureaus XXXX, XXXX, XXXX I will attach the most recent statement of the credit card which is not reporting so you'll know which was needs to be fixed and report to XXXX, XXXX & XXXX. 


Otherwise, I want to thank you every minute of the day for everything you have given me ( and taken away ) but lets focus on the good, and I am so so so so so proud that I'm a valuable customer from the biggest bank in the world " Capital One ''. 
It really means a lot to me, and again I really appreciate everything!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a credit card with Sears. I have had it for 3 or 4 years. I was checking my credit and found that the card had been or the account had been closed 30 days ago. 
I called Sears and spoke with them. They said I closed the account, and I told them that I had not. That I bought my tires from them, my garage door opener from them and appliances from them, why would I suddenly close my account. 
It made a major hit on my credit report. I went from XXXX and XXXX to XXXX and XXXX. 
They only thing they offered to me was for me to open up a new account with them. I did that today. But the stigma and the loss of a good credit rating is laid on my door step. I need your help.

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 2018-06-04 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: TX

Complaint narrative:
CRA violation Experian took more than 30 days, were disputed on XX/XX/18 until now I did not receive any document back from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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 — Problem with personal statement of dispute
Company: Risecredit, LLC
State: CA

Complaint narrative:
XX/XX/XXXX account was settled in full. I called Rise on XX/XX/XXXX, to ask for the balance since I will be settling the account in full and early and made a commitment to pay it on XX/XX/XXXX without late fees and they agreed. Lately, I was checking my credit score and found they have reported that I have a late payment in XX/XX/XXXX which is not agreed during the call. I called Rise and inform disputed that I should not have a late payment, one of the rep agreed and will get back to me. Waited for a month and didn't get an update. I called them again and the rep told me it was valid but don't have the proof to send me how he validated the missed payment. I need help to have this removed from my report with XXXX  as it was not accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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:
After reviewing my credit report I noticed a late payment status dated 3.5 years ago on my XXXX XXXX XXXX XXXX. This is NOT correct. I have never been late on my payments ever.

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 2018-06-04 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:
After reviewing my credit report I noticed a late payment status dated 3.5 years ago on my XXXX XXXX XXXX XXXX. This is NOT correct. I have never been late on my payments ever.

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 2018-06-04 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:
After reviewing my credit report I noticed a late payment status dated 3.5 years ago on my XXXX XXXX XXXX XXXX. This is NOT correct. I have never been late on my payments ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: AZ

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX. XXXX  XXXX change the Account number at XX/XX/2017 Experian use to report that account every month. I dispute the account balance one time to Experian. after that they stop report the account every month as they should. Several calls made to XXXX XXXX supervisor and several calls made to Experian with XXXX XXXX on line ( 3 Way calls ) to insert the account. No, responses from Experian. XXXX XXXX told me many times that they sand the farm to Experian to insert the account an Experian said we did not received any letter from XXXX XXXX Vis versa. that account reported before by Experian and been reported by 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 2018-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scott Fetzer Financial Group Inc.
State: GA

Complaint narrative:
I was alerted by XXXX, XXXX, and XXXX  that the collection agency by the name of XXXX XXXX XXXX XXXX added a file to my credit report. So I initially disputed it in XX/XX/2017as  fraudulent due to the fact that I never had a signed contract and/or account with said company. To no avail they did nothing. I recently discovered that this company is not bonded in the state of Georgia to collect debts owed or otherwise. It is illegal to try and collect a debt if the company is not registered with the Georgia Secretary of State. This company is not even in Georgia 's database.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I believed that there is a grace period after your graduate and was unsure the amount of time was allowed before the payments started. Somehow, I got in contact with XXXX XXXX and realized that payments were being requested but by then the payments were late. As soon as I was familiar with the situation I immediately called and learned what I needed to do to start paying my student loans. I chatted with customer service and figured out that I could defer the late payments to the end of the loan and start fresh and havent miss a payment since. I was blessed and qualified for the Income-Driven Repayment plan so that helps a lot, but I have these black marks on my record and these are the only bad marks I have on my credit as of now. These late payments are for my time @ XXXX XXXX XXXX and XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: MO

Complaint narrative:
Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, Transunion, XXXX, and XXXX  all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX  ( XXXX ), ( 2 ) XXXX/XXXX XXXX-Banks ( XXXX ), ( 3 ) XXXX- MORTGAGE ( XXXX ), ( 4 ) XXXX XXXX ( XXXX ), ( 5 ) XXXX XXXX XXXX XXXX ), ( 6 ) XXXX XXXX ( XXXX ), ( 7 ) XXXX XXXX ( XXXX ), ( 8 ) XXXX XXXX XXXX ( XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XXXX ), ( 10 ) XXXX XXXX XXXX ( XXXX ), ( 11 ) XXXX XXXX  ( XXXX ), ( 12 ) XXXX XXXX ( XXXX ), ( 13 ) XXXX/XXXX XXXX ( XXXX ), ( 14 ) XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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 initially filed a complaint with Equifax about reporting two mortgages that are either duplicates or incorrectly recorded on their end, and three mortgage " hard inquiries '' that should have concatenated due to shopping around. 

These mortgages add up to {$210000.00} of debt that should not be in my name. 

I caught this after noticing only Equifax reported a 30pt drop in my credit score via XXXX XXXX. 

I filed the complaint in the beginning of XX/XX/XXXX, and received a " completed '' investigation email today XX/XX/2018. Upon attempting to login, the website threw an initial system unavailable try back later. 

I tried again five hours later, and my social security number and information no longer work. They are pulling up someone else credit history to question against! 

I can't access their online report at " XXXX '' -- they expect me to now scan my social security card or passport, and a bill from my home and mail it to them? 

This company has already reported to me that they are monitoring my name for fraud as it was compromised in their leak, and they are now committing fraud by preventing the removal of erroneous accounts, or me seeing my credit report. 

I don't understand how Equifax is the only one reporting this incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, XXXX, XXXX, and Equifax all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 2 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 10 ) XXXX XXXX XXXX   ( XX/XX/XXXX ), ( 11 ) XXXX XXXX ( XX/XX/XXXX ), ( 12 ) XXXX XXXX   ( XX/XX/XXXX ), ( 13 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 14 ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: MO

Complaint narrative:
Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, XXXX, Experian, and XXXX all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 2 ) XXXX/XXXX XXXX-XXXX ( XX/XX/XXXX ), ( 3 ) XXXX- XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 10 ) XXXX XXXX XXXX   ( XX/XX/XXXX ), ( 11 ) XXXX XXXX ( XX/XX/XXXX ), ( 12 ) XXXX XXXX   ( XX/XX/XXXX ), ( 13 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 14 ) XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2018-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have an account with Capital One Quicksilver MasterCard.  Capital One change the Account number at XX/XX/2017 XXXX use to report that account every month. I dispute the account balance one time to XXXX. after that they stop report the account every month as they should. Several calls made to Capital One supervisor and several calls made to XXXX with Capital One on line ( 3 Way calls ) to insert the account. No, responses from XXXX. Capital One told me many times that they sand the farm to XXXX to insert the account an XXXX said we did not received any letter from Capital One Vis versa. that account reported before by XXXX and been reported by XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GENTRY FINANCE CORPORATION
State: UT

Complaint narrative:
I was told my pay off was XXXX I missed 1 payment since they relocated out of the city I am live and you cant pay over the phone, I had some serious medical come up .. anyway when I went in XX/XX/XXXX they said I now owe {$640.00} .. I tried talking to them, the lady was very rude and said its too late we sent it to an attorney so you can make a payment but it wont help you.. 
however what really upsets me and I think is against the law is that I sent someone over the next week to make another payment, they disclosed to him that I was delinquent on my account and also gave him my balance..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
1. I was making a reservation ( XXXX XXXX XXXX by XXXX XXXX for XX/XX/XXXX to XX/XX/XXXX ) through XXXX XXXX XXXX ( which is one of the benefits for XXXX XXXX Card holders ) over the phone. 

2. A customer service representative ( CSR ) of XXXX XXXX XXXX, " XXXX '' guessed that I wanted to make a reservation for XXXX XXXX by XXXX XXXX for for XX/XX/XXXX to XX/XX/XXXX, instead of XXXX XXXX XXXX by XXXX XXXX for XX/XX/XXXX to XX/XX/XXXX.

3. Before she reserved the XXXX XXXX by XXXX XXXX, I found her mistakes and tried to fix the issue by emphasizing that " I want to make a reservation for XXXX XXXX XXXX, not XXXX XXXX '' and by providing the address of XXXX XXXX XXXX multiple times to her. Finally she seemed to understand that she should reserve XXXX XXXX XXXX, not XXXX XXXX. 

4. During the call, she told me that she would send me a confirmation email for the reservation within 15 minutes.

5. I received the confirmation email for the only XXXX XXXX XXXX ( attachment : XXXX ) with Case ID : XXXX and then I checked my XXXX account. I found her mistakes - she made two separate reservations - XXXX XXXX XXXX and XXXX XXXX - for XX/XX/XXXX to XX/XX/XXXX without my permission even though I emphasized that I needed the only reservation for XXXX XXXX XXXX, not XXXX XXXX to her multiple times during the call.

6. I called again the XXXX XXXX XXXX. After waiting more than 40 minutes to contact a CSR, the call is connected to another CSR ( Her name is XXXX ). She simply told me that she did not power to cancel the reservation because XXXX reserved XXXX XXXX with non-refundable rates ( even though I did not allow her to reserve XXXX XXXX ). 

7. Attached ( XXXX and XXXX ) are proofs that both of the reservations made by the XXXX XXXX XXXX using the email address in the attached file because the email address is XXXX ( not my address, XXXX ). 

8. A huge mistake by XXXX of the XXXX XXXX XXXX made me frustrated. No willingness by XXXX of the XXXX XXXX XXXX to help me under the frustration made me disappointed. 

9. I hope that the wrong reservation by XXXX will be fixed/cancelled within 24 hours because the reservation would start on 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