vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-29 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
This is not a duplicate complaint ; the issue from February was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My loans with Navient total XXXX I was able to pay them at first but then they kept raising my payment which put me in a situation were I was always having to ask for a forbearance not knowing that this is the reason why my payments kept going up. I get harassing calls from them about my loans and when I do speak with them about the forbearance they say that they are going to send me information but I never get it. They take mine and my husband state income tax every year if we do get something back from the state which then hinders our household. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 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: TX

Complaint narrative:
This is not a duplicate complaint ; the issue from XX/XX/XXXX was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!

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 2017-07-29 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: TX

Complaint narrative:
This is not a duplicate complaint ; the issue from XX/XX/XXXX was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 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: TX

Complaint narrative:
This is not a duplicate complaint ; the issue from XX/XX/XXXX was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!

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 2017-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.

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 2017-07-29 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: NY

Complaint narrative:
I try to submit a " dispute '' for their ( Equifax ) listing of a wrong previous address ( XXXX XXXX XXXX ) which I have never lived seen or touched!!, but every time i try XXXX, NY ) to submit the dispute after entering all the initial information XXXX ) they require as Step 1 of 5, they kick you out with error message : " YOUR TIME HAS RUN OUT - PLEASE TRY AGAIN '' AND it does not matter how many times you try!! 4. There is also the problem that if you lookup XXXX & last 4 = XXXX you will find the are XXXX of us with the same last 4!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Please see CFPB complaint ID XXXX and XXXX complaint ID XXXX. I am submitting this because I wanted to submit into the record proof that Capital One 's response to complaint ID XXXX was essentially perjury. I am still hopeful I will be able to recover my funds from them, but I am about to move so I am not sure what will happen. They have still never returned any of my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Commenity Bank called me a couple days ago, they told me that they were su eing me for theft of services, and that they could seize my XXXX, I tried to tell them that they ca n't touch it, but the guy kept insisting that they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Partners for Payment Relief
State: NC

Complaint narrative:
Received a Subsequent Interest Rate Adjustment statement addressed to my Deceased husband from XXXX XXXX XXXX. I do not recall loan. I requested a QWR. XXXX requested Affidavit of death of joint tenant. Letters Testamentary, admin or other probate Related docs. Sent reply I do not have those documents as there was no estate, Now I have Received a Statutory Payoff Letter from lawyer. Creditor listed as Partners for Payment Relief. I now sent QWR request with death certificate to PPR.
My husband passed away in XXXX and their demands for payment stated in XXXX. Rate increases .25 per month presently at 5 % max is 17 %.??? I need advice asap as I think foreclosure has been started.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
This company has call today XXXX/XXXX/17 at XXXX XXXX, XX/XX/XXXXat XXXX  and XX/XX/XXXX at XXXX. Just from this phone number. This is after there were told that XXXX XXXX XXXX was handling this and they needed to contact 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 non-monetary relief
Consumer complaint received 2017-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
THERE IS ONE COMPANY NAME EARLY WARNING SERVICES WHO CHECKED XXXX XXXX RECORDS SHOWN OTHER BANKS THAT I OWE XXXX XXXX SOME MONEY AND BECAUSE OF SHOWING THAT NO BANK OPEN AN ACCOUNT FOR ME. BUT I DID N'T OWE ANY MONEY FROM XXXX XXXX I HAVE STATEMENT AND I SENT SOME DISPUTE LETTERS TO THIS EARLY WARNING BUT THIS COMPANY DID N'T DO ANYTHING.
IN DISPUTE LETTERS I WROTE THAT THEY ARE REPORTING INACCURATE INFORMATION SO I WANT TO DISPUTE THOSE BUT THEY DID N'T DISPUTE XXXX XXXX AND SHOWN THAT I OWE SO MUCH DEBT FROM XXXX XXXX. SO BECAUSE OF EARLY WARNING I AM UNABLE TO OPEN AN ACCOUNT WITH ANY BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
CASE # XXXX XX/XX/XXXX.CLAIM THEY ARE WORKING ON MODIFY. FALSE NEW CASE OCWEN IS USING FALSE NAME OF BANKS TO CLOSED ON HOMES, FOR PROFIT..MANY NAMES ONE IS XXXX XXXX XXXX .WHOM ONLY HOLD THE BOND & SECURITY OCWEN, PER OUR CONVERSATION OCWEN ALWAYS USE THERE NAMES. THIS IS WRONG, PERSON SAID HE HEAR IT ALL THE TIME. THIS BANK DO NOT CLOSED ON HOME..OCWEN DECIDE THIS HE. REQUESTED I CONTACT CONSUMER PROT.XX/XX/XXXX. FORWARD THIS INFO TO MY ATTORNEY ABOUT AUCTION OCWEN HAS DONE/ NO NOTICE JUST ONE LETTER..
THIS IS NEW CASE Ocwen loan, OCWEN TAKE TRIAL PAYMENTS AFTER YOU COMPLETE THE TRAIL NEW PAYMENT AT LOWER RATE SHOULD START.
I COMPLETED TRAIL PAYMENTS, MADE THE 1ST PAYMENT THE NEXT MONTH AFTER OCWEN INCREASE MY PAYMENTS BY XXXX TO XXXX.
ANOTHER LETTER, YOUR IN DEFAULT LOAN NOT MODIFY AFTER TRAIL PAYMENT OVER {$2000.00} S XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ON FIRST MONTH. BY ACH WIRE.
ON XX/XX/XXXX LETTER ARRIVE TO SAY HOME IS BEING AUCTION XX/XX/XXXX. ON XX/XX/XXXX I CALL OCWEN ASK WHAT IS THIS I WANT TO TALK TO MY RELATIONSHIP MGR. ( XXXX XXXX ) UNAVAIABLE I CAN HELLP RMA TOO.
I CAN SET UP APPOINTMENT XX/XX/XXXX XXXX, came home XXXX XXXX XXXX XXXX for Lunch for Hour early lunch stay to XXXX XXXX XXXX XXXX XXXX NO CALL, I CALL XXXX XXXX OCWEN ASK WHY NO ONE CALL. .CLAIM THEY CALL HOME I S, AID I BEEN HERE. NEXT NIGHT XXXX XXXX XXXX XXXX NO CALL, CALL AGAIN NOT MY RMA A. I ASK ABOUT MY APPOINTMENT, OCEN WE SORRY. WE RESETUP XX/XX/XXXX XXXX XXXX ANOTHER ( RM ) Relationship Mgr. GAVE HIS ID.I ASK WHERE IS XXXX XXXX MY RELATION MGR. IN my 3YEARS I HAVE NEVER TALK TO MY RELATIONSHIP. THIS is MADE UP NAME for reference. WHEN CALL OCWEN, NO.ANSWER TO MY RELATIONSHIP MGR. IT ALWAYS TRANFER TO A NEW RM OCWEN I CAN HELP. EMAILS FROM OCWEN AND LETTER TO FOLLOW AFTER THIS. START DOING THE RIGHT THING WITH PEOPLES BEEN NIGHMARE SINCE YOU TOOK OVER GMAC ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
i purchased a car thru capital one finance ... i have already filed a claim and the have responded back from my claim ... .they said the reason i was charged 13 and 1/6th percent is because the loan went over by XXXX ... ..if that was the case why was i not told that why was i not giving the opportunity to accept or decline the new percentage rate ... .why was i not given the opportunity to pay the additional XXXX ... ..why would i allow cap one to charge me 3 percent onto my loan over 6yrs just because the loan went over by XXXX ... ..no one gave me the opportunity to make that decision ... ..noone ever said or explain to me that the reason the interst rate was higher was because the car loan went over by XXXX ... ... cap one can not make that decision for me ... .i should have been given the opportunity to make the decision not cap one ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: NY

Complaint narrative:
I borrowed {$27000.00}, have already paid {$18000.00} and still owe {$32000.00}. Much like so many of my peers, I am so overwhelmed with by the weight of my student loans. I have been paying more than the minimum payment, on time for over five years. I get extremely discouraged when I see I still owe {$5000.00} more than what I originally took out. Every three months, the interest rate rises. The interest rate is now up to over 12 %. Interest accrues daily, and my payback amount goes up every month. These rates are despicable and should be illegal.
As a teenager, going into college, the financial aid department and loan companies assure you, once you graduate you will be able to pay off these loans. I was ignorant to believe this. I did not know I would be paying back double what I borrowed. I think the schools and loan companies need to be more transparent and educate students on these terms.
At a time when young people should be planning their lives, many now are faced with inescapable lifelong student debt which sucks away most of their disposable income. Many in our generation wake up every morning and realize that we will never be able to afford a car, a home, health insurance, or even to start a family. The American Dream? Gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 've been educated about changes regarding public records reporting that took effect XXXX 2017. I called Equifax about these changes and to get additional information from the company directly. They advised " it was a false rumor '' and that it had no truth to it. I advised them that it was true because XXXX had just removed it a few days for that specific reason.
The change dictated that if a reported tax lien did not XXXX major pieces ( 1-name, 2-address and 3-date of birth and/or social security number ) along with regular 90 day updates that it would be removed. I received a copy of the official lien notice reported by the Clerk of Circuit Court, XXXX County, XXXX, Florida. It did not satisfy the minimum requirements currently in place, but Equifax agents insisted I could not dispute it nor were they required to comply with these changes. I 'd like for the CFPB to confirm if this public records change is valid, and if so to contact equifax about this matter.
I also collected a fax number from the equifax agent and sent a written letter with a copy of my SSN/DL and the lien notice supporting my claim.
IN ADDITION to advising me the change was a lie, Equifax has locked me out of viewing my credit report. I reported the issue Friday XX/XX/17 and was advise it was a 'known issue ' and being handled by their technical department, and to call back in an hour.
I called back on XX/XX/XXXX - was on hold for 61 minutes with no answer from an agent I called back onXX/XX/XXXX - was on hold for 90 minutes with no answer from an agent I called back on XX/XX/XXXX - was on hold for 95 minutes with no answer from an agent I called back on XX/XX/XXXX - was on hold for 110 minutes with no answer from an agent I called back on XX/XX/XXXX requesting to cancel service thru the automated system and an agent answered in 3 minutes. That agent referred me to another number. The second agent spoke had me for 49 minutes ( 36 minutes of that on hold ). Then that agent sent me to another agent ( " supervisor in the speciality department '' ). This agent extended the call another 65 minutes. All agents stated " we ca n't unlock your report '' and " we ca n't update your credit report '', but none of them can explain why or when it will be resolved. They did all say I could continue to call back for updates, and they would not notify me when the " issue '' was corrected.
They offered me a reduced rate of {$9.00} for 12 months but i declined because paying 50 % for nothing does not make anything a good deal.
Can someone please help me with this? They are not listening and not addressing my credit report issues.
**To CFPB, please do not publish my attachment ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX  of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.

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 2017-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX  of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.

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 2017-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX  of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MN

Complaint narrative:
I received a letter from ACI. The debt was under a different name right mailing address with wrong zip code. I wrote them disputing the debt but they say it 's valid. I have no knowledge of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have my td bank account linked to an XXXX XXXX app, and td bank is not updating my account balance to the app

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On Thursday X/XX/17 I made an ATM deposit in the amount of {$5300.00} it was a refund from California Franchise Tax Board made out to myself and my husband. We both endorsed it on the back along with Deposit Only and account number. My husband is not on this particular account however, other similar checks have always been accepted by my bank. The next day Friday X/XX/17 the funds were reversed out of my account with no warning or explanation. I went to the bank on Monday X/XX/17 spoke with branch manager XXXX, she had one of the tellers make a copy of my check as it was still physically at the bank, she then made a call and informed me " they '' would be sending a notification and check to me and when I receive it I should bring it in to the bank and she would negotiate with " them ''. I asked if there was any way we could resolve the issue sooner and she told me I would need to wait until " they '' mailed me the notification and check and I should receive it today or tomorrow in the mail. I offered to have my husband come in to the bank and clarify if necessary she replied. " Oh we ca n't talk with him! On Tuesday after the mail had arrived I called her to see if it was possible for her to contact someone and expedite the process again she said I would have to wait until I received the notification and check in the mail as " they '' sent it out. I asked her who " they '' were and she said " the back office '' I asked if " they '' were at our bank she replied " I do n't know where " they '' are ''. The conversation ended at that time. On Wednesday X /XX/17 I called the customer service XXXX number and talked with XXXX who at least took the time to explain what the process was and she was very apologetic and understanding of my situation. She could not advise me what to do in order to get my issue resolved any sooner. With great frustration and XXXX I am filing this complaint it has been exactly one week that the bank has held up over {$5000.00} of my funds with very little help or concern from our local US Bank manager.

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