vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 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: GA

Complaint narrative:
In XX/XX/XXXX, I contacted XXXX in regard to my student loans they service. My complaint was that the amounts that I am being billed for are not the amounts that were sent to the University I attended. The amounts that I am being billed for are higher than the amounts that I borrowed. Because the amounts are higher, I am paying more interest on these incorrect amounts. I mailed XXXX a certified letter to look into this problem and correct the inaccuracies. I received a letter back explaining how XXXX calculates interest. They also sent a copy of my promissory note. They did not research or correct my complaint. I then sent three more certified letters XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking for them to research and correct the errors. Again, each time they responded with a letter explaining how the interest is calculated. I have attached a ledger from each institution I attended and how much my student loan was for. I have also attached the ledger of what XXXX is billing me for. On each disbursement that XXXX is billing me for, the amount is more than what was borrowed. I have also attached the certified tracking numbers from the United States Postal Service showing where XXXX received my correspondence. XXXX also is billing me different fees that I never agreed upon paying. I requested the contract that indicated I would be responsible for these fees and XXXX has yet to provide the contract and the notification that these fees would be charged. Another issue that I have with Navient is that they have no record of my loan history from XX/XX/XXXX-XX/XX/XXXX but I am being billed for these years. XXXX has violated both the Fair Credit Reporting Act by reporting inaccurate information to the three credit bureaus ; they have also violated the Fair Debt Collection Practices Act by seeking collection of an unjustified amount and by not providing validation of the debt in the amounts they claim is owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Try to have them update the info placed on my credit report. They are not updating information on a timely matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: GA

Complaint narrative:
On XX/XX/2019 I submitted complaint Consumer Financial Protection Bureau # XXXX for XXXX XXXX Account # XXXX in the amount of {$540.00}. On XX/XX/2019 I received a notice from Equifax in the Consumer Financial Protection Bureau that stated that they would investigate the claim. Today I received a letter in the mail from Equifax Confirmation # XXXX dated XX/XX/19 saying they investigated and verified this account as accurate and they MODIFIED THE ACCOUNT. 
I can not explain how this account dispute was disputed and verified on the same date XX/XX/2019. How can Equifax receive, investigate and conclude the details of an account in one day? I am requesting the method of verification allowed by FCRA Section 611 ( 7 ) and would like  the results to be mailed to me in 15 business days as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: CA

Complaint narrative:
XX/XX/2017 I was at XXXX. A XXXX  XXXX   representative asked me to punch in my social security number in order to determine if I qualify for service with them and did not have any outstanding accounts. I asked to make sure it was NOT to run a credit inquiry, and was ASSURED it was not. However I now see it on my credit report as a hard inquiry!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: CA

Complaint narrative:
XX/XX/2017 I was at XXXX. A XXXX XXXX   representative asked me to punch in my social security number in order to determine if I qualify for service with them and did not have any outstanding accounts. I asked to make sure it was NOT to run a credit inquiry, and was ASSURED it was not. However I now see it on my credit report as a hard inquiry!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 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: AES/PHEAA
State: MD

Complaint narrative:
I submitted a complaint about this company in XXXX. They resolved it, but now the same thing is happening again. This is the THIRD time FedLoan 's misreporting has resulted in adverse accounts on my credit reports and a massive drop of my credit score. Each time they claim they are doing nothing wrong, but clearly there's something wrong with my accounts in their system. I wonder whether they need to wipe my accounts and re-establish them. In any case, my husband and I are closing on our first home in a month, and FedLoan 's negligence is materially harming our chances of a smooth closing. 

In XX/XX/2018 I noticed that FedLoan had incorrectly reported multiple months of delinquent payments. I found this because my credit score suddenly took a massive hit, and credit reports confirmed it was incorrect reporting from FedLoan. I disputed it with FedLoan and with all three credit reporting bureaus. The bureaus all found in my favor and corrected my reports ; meanwhile, FedLoan agreed I had no delinquent payments. 

The same thing happened in XXXX. 

Now FedLoan is YET AGAIN incorrectly reporting delinquent payments. I called them, and all they told me is that my accounts were paid in full. They pointed a finger at the credit bureaus.

I need this resolved completely -- FedLoan to stop misreporting and my credit scores and reports to be updated and completely accurate -- absolutely as soon as possible. My next step, if this happens again, will have to be legal action, and I'd prefer to not go that route.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have contacted them by certified mail 3 different times over last year, and ask for proof of said debt. Have yet to receive any form of proof. Last contact was made XX/XX/2019. Received proof of them signing for letter on XX/XX/2019. As of today I have not heard back from them, and said debt is still on credit report. Experian has not showed proof of this debt and have now failed to respond to my letter. Account number is XXXX and unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I purchased a vehicle in XXXX of 2018 and took a loan through the car dealership. The loan was issued through Citizens One, XXXX RI. In an effort to pay down the loan quicker, I set up weekly payments of {$250.00} marked PRINCIPAL ONLY. However, the Loan Company CONTINUES to deduct interest payments against the {$250.00} ADDITIONAL PRINCIPAL ONLY payments. I have called them repeatedly asking that they cease this activity and that they refund back to principal all of the interest payments they took. To date, this STILL has not been done. If you request a supervisor, you are told none are available. They owe me all of the interest payments they stole and are refusing to apply them against the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: TX

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Repeated phone calls over and over at work at home. Threaten to take accounts and assets calling at night and day threaten to tell my boss if I dont pay. Take the collection off for a week and put it back on a credit report over and over causing the score to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: ID Analytics, Inc.
State: NE

Complaint narrative:
I just received a notice in the mail today ( XX/XX/XXXX ), about being denied credit for a car loan. On the back it states which companies they pulled my credit from one is XXXX and one is SageStream LLC. I have never heard of sagestream and their score is way low. There are only 3 credit bureaus and they are not one of them so why are they giving out information about credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: TX

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed an identity theft police report. 

I sent this information to both XXXX, XXXX, and Transunion. Transunion informed me, on XX/XX/2019, that my police report did not meet their internal guidelines for a blocking request. 

This is completely unacceptable. 

Not only did XXXX and XXXX submit a blocking request to Transunion directly, but Transunion willfully ignored provisions of 605 ( B ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: GA

Complaint narrative:
I filled a request for a dispute with Experian on XX/XX/2019 for the account XXXX XXXX XXXX # XXXX {$540.00} ( CFPB Complaint # XXXX ). This account is not valid and should be deleted and removed. Experian acknowledged the disputed on XX/XX/2019 and rendered the account verified and accurate on XX/XX/2019. I can not understand how this was investigated in 7 days. I would like a method of verification accordance to FCPA 611 ( 7 ) and I would like it within the 15 days of receiving this notice. This account is not valid or accurate and should be removed or deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: TX

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. 

Experian claims that they have " verified '' the inaccurate account on my file when I have sent sufficient written proof that the item is no longer valid that was sent to me DIRECTLY from the debtor. They have refused to remove it and continue to say that it has been verified as accurate. They are willfully violating the FCRA and should be fined accordingly. 

I recommend the HIGHEST MAXIMUM FINE for this violating FCRA SECTION 616 & SECTION 617 to  Experian, and that the the unverified items be deleted immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
on XXXX at XXXX Est i was contacted by someone who claimed to want to pay my debt off XXXX i doubted it at first because it seemed like to good to be true. usually im used to scammers asking for my information ( bank account #, passwords, etc. ). however, this time was different, the person offered me their bank information, account number and everything. The person then asked me to pay off my credit card in full, which i did with the bank information that they had given me. afterwards on XX/XX/XXXX they demanded that id buy them Gift cards from XX/XX/XXXX, saying that they just paid off my debt that it was the least i could do for them. so i did with the same credit card that they had cleared my debt off from. i bought {$800.00} worth in gift cards on XX/XX/XXXX, and another {$550.00} on XX/XX/XXXX. totaling {$1300.00}. the day after ( XX/XX/XXXX ), i was notified by best buy that the bank account used to pay off the original debt of {$1900.00} was cancelled and could not submit the payment. AFTER i had already bought {$1300.00} worth of gift cards on the credit card. i contacted the person to ask about the bank account and why it was closed before the payment submitted but the never replied to me. i called best buy the next day ( XX/XX/XXXX ) ask reported that my card was used for fraudulent purchases of gift cards and that my debt had accumulated to about {$3700.00}. however they told me that they could not help because technically i made the purchases of the cards and because of that it was not considered fraud. however in my defence, if the payment had not gone through yet, why did best buy allow more charges to apply to the card. why didnt they put a lock on my purchases while the payment was being submitted. i do not believe that i should be held responsible for the debt that was scammed off my card because the cards were not used by me nor did i benefit from the purchase. this has caused an immense amount of stress in my life and i hope that you guys will help me resolve this nightmare that im in. thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I purchased a 2016 XXXX XXXX on XX/XX/XXXX from XXXX in XXXX ( finance company Bridgecrest ) Within 5 days the car left me stranded on the side of the road. Come to find out the oil pan cracked or had a hole in it and all the oil leaked out. I called XXXX that same night and they told me to file a claim and it would be fixed. I attempted to file a claim on the extended warranty that was included in the car financing and was denied by Bridgecrest. They said that it was a road hazard and I needed to file a claim on my comprehensive coverage. I never hit anything and was not in an accident so there was no reason to file an insurance claim. Since I was getting nowhere with the warranty repair, I then attempted to return the car/cancel the contract/get a refund ... .as it fell under there 15 day return policy and was denied again. By this time the car was at the mechanic shop in XXXX, XXXX XXXX XXXX and was told it was going to be {$500.00} to fix it. I was faced with paying the repair or making my first payment. I made my first payment on time around XX/XX/XXXX and I then left the car at the mechanics. I explained the situation told him that it would have to wait a few weeks. I did attempt to finance the repair through XXXX XXXX but was denied. After a few weeks around XX/XX/XXXX, I went back down to XXXX XXXX XXXX and the mechanic told me that XXXX had come and repossessed the car. I then went to XXXX and was told that I had to pay {$900.00} to get it back, which was not feasible as I only had the {$500.00} for the mechanic. They told me that if it was not paid that day the following day the cost to get the car back jumped up to {$1500.00}. At this point I did know what to do, I attempted to report it to the XXXX Police, but they told me that I needed to report it to the Attorney General. At this time the loan is a week late, and the car is being held hostage with a ridiculous random demand. XXXX and Bridgecrest have been UNWILLING to work with me. I bought a car, clearly a lemon that I was able to drive for ONLY 5 days before it died.

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