vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 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: AL

Complaint narrative:
I default on a second mortgage with XXXX XXXX to move to XXXX AL where my wife could receive treatment for XXXX XXXX XXXX, a XXXX XXXX XXXX. The Second Mortgage started out as a construction loan for us to do a major remodel, additions and improvement to lake access from the property. XXXX XXXX had agreed to roll the construction loan into a refi of my V.A. Mortgage to include the First Mortgage and Construction Loan. I told the Loan Officer before we started the Construction Loan that I had XXXX XXXX XXXX. I informed the loan officer and bank project monitor that I wanted the senior officers of the bank to evaluate the detailed Remodel/Addition/Facilities Improvement Plan, that was prepared by my XXXX Y.O. Son, myself and the contractors I was to use on the project to determine, if this work would be an appropriate use of the money the bank was providing to me. I discovered at the end of the project that no one above the loan officer saw the plan. The interest second mortgage was 7.99 % for 60 months then reverting to an adjustable rate mortgage. I discovered at the end of the project that the bank did not even do V.A. Loans. I also found that the bank had reported false information to the major Credit Bureaus on the construction loan that was to be interest only, that I had failed to make P & I payments. In short the bank later their Agent In Fact, an attorney, lied from beginning to end.

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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  maryland   XXXX and  my phone number is  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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  maryland   XXXX and  my phone number is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The credit report have the wrong name. address and phone number on my credit report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX De XXXX and phone number is XXXX. The other information is incorrect

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 2017-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XXXX XXXX XXXX, I contacted Capital One Auto Finance to inquire about receiving an extension on my auto loan. At that point it was due for the XXXX XXXX XXXX payment and I had a large medical bill that I had to cover that made making the payment difficult. I was approved for the extension ( attached ). I then made a payment on XXXX XXXX and have since made another payment on XXXX XXXX. <P/>I pulled my credit report and discovered that I was reported 30 days late for the XXXX XXXX payment ( which I received an extension on ). I called Capital One today, and even though they are reporting my account as current today, they argued that the 30 day CBR reporting ( submitted after my extension approval ) is valid. I requested to speak to a supervisor and when transferred to one, they argued with me as well. <P/>The whole purpose of getting an approved extension was to push off my 30 day reporting date. After all, I will be paying more interest on the extended payment. Its disingenuous of Capital One to approve an extension and charge additional interest but also report my payment as 30 days late anyway. Its also disingenuous for their representatives to argue with me about the validity of my CBR dispute, rather than simply provide me the address to submit a qualified written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: AR

Complaint narrative:
To whom it may concern : I am not sure where else to turn to complain about 'Fedloan Servicing, ' the company that services my student loans, as their own website does not have a section dealing with customer satisfaction or complaints. <P/>I am currently on an income-based repayment scheme ( this is my third year on it ). To make my story  short and sweet, every year ( 3x now ) that I have had to send in income documentation regarding how much money I make ( 1st as an XXXX XXXX through the XXXX XXXX XXXX ; 2nd as a XXXX XXXX XXXX XXXX XXXX ; 3rd as a XXXX XXXX at XXXX University ), Fedloan Servicing flat out rejects my application because I have not stated my " gross annual salary. '' After calling them for days at a time, and getting contradictory advice with each representative I talk to, I finally talk to someone and explain to them that all the information is there, including how much my gross salary is. <P/>It takes them 1-2 months to process the initial request, then they reject it. Then, after they realize they have made the mistake ( not myself ), they tell me I have to wait another 1-3 months to get it re-processed, which makes me lose out on " payments '' for the particular IBR scheme I am on ( 20 yr plan, after 20 years of payments, the loan is forgiven ), which, if they do this every single year for 20 years would add a few years onto my payments. <P/>My simple point is this : Fedloan Servicing consistently makes simply administrative errors, penalizes the customer, and only after repetitive harassment from said customer, do they actually ever do their job. I am only 3 years into dealing with this company, and I really can not believe that the federal government allows them to service loans in the taxpayer 's name. <P/>It is extremely frustrating ( not to mention demoralizing ) to have to call these people constantly, a company that does not seem to deem either customer service nor actual knowledge about student loans a priority. <P/>I hope this can serve some use. On another note, how in the world does it take 3 months to process an income payslip to prove how much money I make? It is literally one piece of paper. <P/>The attachment below shows the income documentation I submitted to Fedloan Servicing. I was told that it was rejected because they did n't know how much money I was making ... seems clear enough to me. Furthermore, I submitted documentation in XXXX of 2017 for job starting at the end of XXXX because I KNEW they would mess it up ( like they did last year ) and take months to figure it out. <P/>XXXX regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The credit report have the wrong name. address and phone number on my credit report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX De XXXX and phone number is XXXX. The other information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Dear XXXX and Barclay, I attached a copy of the letter from XXXX XXXX stating your company to delete and remove this account immediately from my credit report and credit files. I still want to know why your company violated my consumer rights because based on this letter XXXX stated they sent a request for XXXX to delete this account on XXXX XXXX, 2016. Therefore, both XXXX and Barclay have violated my rights under Fair Credit Reporting Act for reinserting a recently deleted item back on my credit report as well as did not comply with the collection agency request. I have already talked to a consumer attorney on this matter and I will be forwarding this letter to the Better Business Bureau as well as the Attorney General Office.

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 2017-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
the original debt was to XXXX XXXX XXXX in XXXX and they were instructed to submit the claim to insurance company. the original claim was denied but in XXXX the claim was accepted by XXXX insurance. ask XXXX XXXX to resubmit. i also ask them for a complete statement of charges which they never provided. i made several payments and then they quit billing me. about 6 months later RSI ENTERPRISES sent me a notice they had a unpaid debt. payments that i had made to XXXX XXXX XXXX  had not been credited. i am ask for a statement. finally in XXXX they sent a statement and verified that payments had not been made. now they have just completely quit billing me and have not sent me a statement since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Innovis
State: FL

Complaint narrative:
The cbc Innovis have refused to provide all personal reporting that has been done on me. I have contacted the beaua a total of 7 times. Each time I call they say that i must call back even within business hours. It unfair to hold information that bring me to a stand still in life. No fairness to all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
On XX/XX/XXXX I logged into my paypal account. I added an XXXX XXXX card and selected it as my primary form and default form of payment. I then sent my brother in law a gift on {$1200.00}. On XX/XX/XXXX in notice a insufficient fund fee to my bank account for {$29.00}. Paypal had switched my primary  payment from my XXXX XXXX card back to my bank account. I searched the paypal website for a method of stopping the payment, but could find no method. On XX/XX/XXXX I called paypal at ( XXXX ) XXXX and asked to switch the payment method back to XXXX XXXX card and stop from trying to withdraw from my bank account. The representative provided she could not stop the process and that they would try to withdraw funds from my bank account again. Once that was completed they would withdraw from my XXXX XXXX card. The representative stated she could see I had the XXXX XXXX set as my primary payment card when I submitted the payment and would send me a letter to provide to my bank to remove the fees. On XX/XX/XXXX they tried to withdraw the money again from my bank account resulting in another {$29.00} dollar fee. They billed my XXXX card instead of my XXXX XXXX. To date I have not received the letter the paypal rep stated was being sent. The process of sending a payment with paypal is absurd. It should be illegal for them not stopping the second withdraw against my bank account as per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I would like to receive my payment history ( date and amount ) from XX/XX/XXXX - XX/XX/XXXX from Navient. <P/>On XX/XX/XXXX at roughly XXXX EST I spoke with XXXX and I was told this information is not available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XXXX XXXX 2017 I called Transunion because I noticed that some inquiries that had been previously removed had reoccurred on my report. I spoke with a representative by the name of XXXX. XXXX was very rude and impatient. When telling XXXX the reason for my call XXXX replied that no inquiries were re- reported to my account according to her computer screen. I informed XXXX that I am very much aware of my rights and that I would like for her to send me a picture or document of the screen that she 's referring too. XXXX responded by saying she has verified the information for me. I constantly told XXXX that this information was accurately reported and that I was not mailed a 5 day notice prior to the re-insertion of the inquiries which is FCRA law. Any computer glitches that takes place is not a problem of the consumer ( me ) but the company ( Transunion ). I felt the need to contact Transunion in good faith to ask that the inquiries that were legally re-inserted be removed.

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 2017-07-13 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: TN

Complaint narrative:
I learned my drivers license was stolen. The spelling of my name have been changed in probate court. It is now XXXX XXXX XXXX-driver license number is ( XXXX ). The names I 've used in the past are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My XXXX XXXX XXXX account number at XXXX XXXX XXXX was XXXX. I purchased the property on XX/XX/XXXX. XXXX XXXX annexed in XX/XX/XXXX. I do n't know why the bill do n't show the account number when I purchased the home. Unless I have a victim all those years. I know the XXXX XXXX have always stole utilities. From XXXX when I filed bankruptcy. My last employer was XXXX XXXX XXXX XXXX -from XX/XX/XXXX-XX/XX/XXXX the company EIN number is XXXX. Prior to XXXX XXXX I was employed with XXXX XXXX. Their EIN number is XXXX. XXXX XXXX XXXX EIN number is XXXX. I was employed with XXXX XXXX in XXXX. The case numbers I 've had in wage earner court are XXXX XXXX & XXXX My history have been deleted from the courts by XXXX XXXX & XXXX and XXXX XXXX XXXX. My past addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN , XXXX XXXX XXXX XXXX TN . XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX Tn XXXX XXXX XXXX  XXXX TN XXXX. My mother social security number is XXXX she XXXX XXXX XX/XX/XXXX. Her name is XXXX XXXX XXXX. My father social security number is XXXX he XXXX XXXX on XX/XX/XXXX-his name is XXXX XXXX At. His social security appears to still be active. Sisters, brothers, their children grandchildren, XXXX XXXX and all are using the XXXX social security number. A fraud alert was placed on my credit report by Attorney XXXX XXXX without my knowledge for seven years.

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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the last few months I have contacted XXXX  in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that XXXX would have to remove the inquiry. Today after learning about a glitch that XXXX had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX 2017. I placed fraud protection on my credit report a requested that these inquiries be remove as well. XXXX response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In the last few months I have contacted XXXX in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that XXXX would have to remove the inquiry. Today after learning about a glitch that XXXX had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX XXXX. I placed fraud protection on my credit report a requested that these inquiries be remove as well. XXXX response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.

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 2017-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Company has instilled fear within the consumer. Today the company responded to a earlier complaint stating that the matter was in past or present litigation. This caused emotional distress. I would like for I.C. Syste m to provide proof that this matter is in litigation or has been in litigation pertaining to this matter with  XXXX   XXXX . Please upload any and all past or active litigation documents that were the result of a case #.   XXXX  Thank You

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 2017-07-13 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 received a credit alert from equifax that i had a credit alert. when i checked my alert my credit score had dropped aprox XXXX points and my pink credit card was listed as closed by account creditor and was listed under negative accounts. On XXXX XXXX my score was XXXX and today it dropped to XXXX. This is what was taken from my alert page : The following changes were reported for your XXXX/XXXX account : Balance Amount Changed from {$550.00} to {$570.00} Comments on your account changed from Charge, Amount in H/C column is credit limit to Account closed by credit grantor, Charge, Amount in H/C column is credit limit, Closed I just spoke with the bank and I have an available credit on the card and this card is not closed. My other issue with how they reported my XXXX XXXX card was reported to negative account when it was closed by me. not the grantor.

Company response to consumer: Closed with explanation