vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have waited over 20 years in order to have my credit report errors fixed by XXXX, XXXX, including trans union. The investigation into my credit report is taking longer due to the facts of negligence of removing errors that they have not corrected in 20 years. 

The investigations that they are performing is due to the fact they are using other bureaus to verify the information and when questioned of how they are verifying it as the other bureaus don't have the account or records by which the account should be deleted as unverifiable according to the fair and accurate transactions acts, fair debt collections act, I have already begun asking for the actual records from those who are reporting to my profile with the bureaus including XXXX  and XXXX  because of the reported facts with their customer service departments not accurately recording the entire transaction by their csr not reporting and recording properly according to Fair and accurate transactions act. 

This pandemic has given other second chances due to situations beyond their control so why should the circumstances be different due to me. I almost lost my life due to a drunk drivers so why should i have to be treated differently by discrimination because loss of life is loss of live so what is the difference between covid 19 its nothing so this is how i feel about the bureaus moving slowly including creditors who i have tried to work with and they have given me nothing. 
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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 2020-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have a total of XXXX student loan with Navient. They have talked me into forbearance multiple times over the past 10 years causing interest to continue to accrue in my loan which is now {$200000.00}. My loan amount is now double XXXX being principle and XXXX being interest that just continues to grow month after month. The interest on my XXXX loan accrues at the rate of {$1100.00} per month and they continue to increase the amount owed to my credit reports ruining my credit. I will never be able to afford to pay {$1100.00} a month interest plus try to pay towards the principle. The higher the loan grows because of interest. The higher the interest will accrue monthly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my car was totaled and Ally Financial received the full payoff for the loan on XX/XX/XXXX. I was informed by XXXX XXXX and Ally to contact XXXX  ( seller ) XXXX for the refund on my Auto warranty which is {$2400.00}. XXXX sent me a check then informed me that Ally went into their account in XXXX and took the {$2400.00} even though they were paid in full. XXXX canceled the check and told me I'd have to contact Ally, I contacted them on several occasions stating on XX/XX/XXXX and asked why the money had be taken when the car was paid off in full? They informed me they would escalate the refund, I called them every other day trying to contact someone to get an update on the refund and NO ONE knew where it was they supposedly escalated it every time. I tried making a complaint today and they said the department wont take complaints on the phone. I emailed Ally demanding my refund that is well over due and they are sitting on that money. I need to replace the car that was totaled after three weeks because it was Tboned. I realize there's a pandemic however business needs to flow and I need my refund asap. No supervisors are taking calls and since they haven't sent the money back after two months I know they aren't in a hurry to give me my money back. Please help me get my money back and also make it easier for some one like me to get transparent answers as to why I haven't received my money and where they are at in the process to refund it. There is no system in place to get any solid answers other than it's going to be escalated. If there aren't already laws there should be laws requiring them to pay within 30 days the automobile was paid off. Instead they hold the money for 60 days or over and I need it to buy another car so I can start my process in going back to work. Our county has opened up and I'm losing money sitting here. I appreciate 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 2020-05-12 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: Ditech Financial LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, I wrote to DiTech Financial asking for proof of a late payment that they were reporting to all 3 credit bureaus. As of that date I have not received correspondence and they are still reporting a late payment on my credit report for XX/XX/XXXX. Furthermore, I have been advised that DiTech Financial is no longer in business and there is no one there to take my request to investigate this matter. I would like for the late payment to be removed from my account for all three Credit Bureaus indefinitely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Blackwater Capital Group LLC.
State: NV

Complaint narrative:
This debt collection agency contacted my job. When asked why they contacted this number the rep stated because they had it on file, I spoke to this company once before and informed them only contact me on my cell phone. When i asked the rep what this call was regarding the rep did not provide information outside of " we are contacting you about a personal matter '' I asked the rep multiple times what this call is regarding because he finally told me where he is calling from and the reason he was calling. When I informed the rep that this is my work line and I can not have personal phone calls on my work phone the rep asked for a good time to call back, i took down the reps name and phone number to call back when i am available. the rep continued to asked for a specific time and day to call back. I told the rep due to my work schedule I can not provide the exact time and date. the rep then stated that he will just call me back at this number. ( after i stated i can face termination for having personal calls on the clock ) The rep hung up before clarifying a good contact number. I am very upset with the lack of professionalism. I also find it very tasteless for a company to be reaching out to collect debts when there is an entire pandemic going on that is putting people out of a job. and to show now regard by risking my job by contacting me regarding personal matters at work. 

the company is blackwater capital the rep is XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TN

Complaint narrative:
The company is LexisNexis. My case number is XXXX. They sent me a letter with a pin code to access my report. It is not being recognized by their automated system. I tried to fill out the required info on their automated system only to be rejected. I tried to speak to an agent by selecting the prompt when asked. It terminated my call. This happen several times. I find LexisNexis of XXXX, XXXX to be willfully evasive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
I signed up for autopay to pay student loans but somehow it never went through. 4 months went by ( XXXX ) and I noticed the late payments. I immediately got with Edfinancial and they had us sign up for forbearance to rectify the situation and back date those payments. I was assured by the representative that it would take care of the missed months as well as remove the late payments from my credit reports for those 4 months. I signed up got everything squared away and notice only the month of XX/XX/XXXX shows no reporting and the rest ( XXXX ) are being reporting late. I called again and they said it could take 30-60 days to show up on credit report. I called back Again after the time frame to explain the situation, and how i was told it would be back dated and those late payments would not be on my credit report. I was told they only remove from some people but not others and that they couldnt remove them from mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCE CORPORATION
State: IL

Complaint narrative:
I owed a personal loan. My income was greatly reduced, and I was unable to make payments. 
Approx : XXXX XXXX I called One Main, and asked if they would be willing to make a settlement offer. They agreed to take a lesser amount. 
Approx : XXXX XXXX I received a letter stating the amount and date of payment. 
XXXX XXXX money was available to withdraw from account. 
XXXX XXXX the amount was deducted from my checking account., XX/XX/XXXX I filed a dispute with XXXX that the settlement was paid and not corrected on my reports. 
XXXX XXXX results were given to me on XXXX. I have also filed with XXXX and XXXX, but no results as of yet. 
Approx : XXXX I filed another dispute with credit bureaus and One Main has not resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was erroneously charged a late fee of {$25.00} and an additional {$35.00} in interest charges on my XX/XX/2020 statement. The payment was in the mail-box well in advance of the due date. My only thought is that Capital One is attempting to pad their revenues in this time of COVID-19. If the Postal Service is over-burdened in these trying times, that is beyond my control. Capital One, however, must not be allowed to fleece it's customers due to the COVID-19 crisis we are all doing our best to cope with. 

I attempted to call Capital One, but the wait time to speak with a rep was over two-hours ( absurdly unreasonable ). In other words, Capital One does not want to hear from outraged customers, but will happily nickel and dime them to death, hoping they will back down, or perhaps, literally die off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My husband and I opened this auto loan XX/XX/XXXX. I scheduled the payment for XX/XX/XXXX like I did every month since we opened the account and somehow the payment was not applied correctly, and Wells Fargo Dealer Services reported a 30-day late. I would have thought that as soon as the payment was past due by 1+ days not 30 days that we would have been contacted by Wells Fargo Dealer Services however we were not. I only discovered the payment hadn't been applied correctly when I went to schedule the payment online for XX/XX/XXXX. At this time, we decided to payoff the loan. The payoff was processed 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 non-monetary relief
Consumer complaint received 2020-05-12 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: IL

Complaint narrative:
I had a car loan with XXXX and the car was repossessed in XXXX of 2015. I have requested several times to the company to have the original loan information along with all supporting documentation as far as what the car sold for and other information for my use to verify and resolve the debt but the company has not responded to any requests for the information. The information also keeps updating on my credit report to show that every month the payment was missed and is late which is negatively impacting my credit score. The company or credit bureaus have not responded to my requests to prove how the account was verified or sending the original documentation that I requested. I have been trying to get this matter resolved but XXXX is not supplying the information to me irregardless of me mailing them several requests and it is unfair that they are able to update my credit report with late payments but not send me the information that I am requesting.

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 2020-05-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had a car loan with XXXX and the car was repossessed in XXXX of 2015. I have requested several times to the company to have the original loan information along with all supporting documentation as far as what the car sold for and other information for my use to verify and resolve the debt but the company has not responded to any requests for the information. The information also keeps updating on my credit report to show that every month the payment was missed and is late which is negatively impacting my credit score. The company or credit bureaus have not responded to my requests to prove how the account was verified or sending the original documentation that I requested. I have been trying to get this matter resolved but XXXX is not supplying the information to me irregardless of me mailing them several requests and it is unfair that they are able to update my credit report with late payments but not send me the information that I am requesting.

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 2020-05-12 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I, XXXX XXXX, from XX/XX/2020 through XX/XX/2020, was denied a fraud claim in the amount of {$930.00}, from American express serve after a scammer contacted me asking for my information to submit my stimulus check. I notified American express serve and they denied it immediately. I have no funds for my children and I and I have taken the proper steps to endure this foes not occur again I also requested my account closure due to me not feeling safe being their client. American express denied my claim and closed my account stating I violated terms since I requested closure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Phoenix Financial Services LLC
State: GA

Complaint narrative:
account with Phoenix financial account # XXXX Account on credit report showing PAID but still showing balance of {$910.00} Phoenix financial XXXX We are trying to fix our credit and working with XXXX XXXX  in Ga.We are trying to purchase a home. Any help in this matter would be greatly appreciated. 
Thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have contacted the loan companies to report credit history on all accounts along with payment history. The loan companies are all student loans not installment loans and have never been late. The companies initially made the corrections to the accounts but someone keeps going back and removing the corrected information them as they are correcting them within the reporting agency system.

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 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Hi. My name is XXXX XXXX. I am reaching out because I applied for a business card with American Express. They immediately denied the card. American Express hasn't updated my FICO and it isn't reflection on any bureau that I paid off the card. On my recent statement for XXXX, there is a XXXX balance. I used the card today at XXXX, but that was under XXXX and under 20 % utilization. I have also paid off all of my other cards as well. Also, they are supposed to look at my personal card history in addition to that. It also mentioned inquiries, but Amex is a cause of a few of those inquiries. I would like this application reconsidered and evaluated by a person. 

I do not have any late payments. I look forward to hearing from someone. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2019, I wrote to XXXX XXXX XXXX XXXX asking for proof of a late payment that they were reporting to all 3 credit bureaus. I have seen that they did indeed update my account to show current to XXXX and XXXX however, Experian is still showing late which is definitely incorrect and a discrepancy. I would like for the late payment to be removed from my credit report as reported to Experian immediately. The other two are reporting correctly.

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