vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The credit reporting agencies is not updated my credit file my car loan is not on all three of my credit reports

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 2020-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I was unknowingly enrolled into paperless statements when my loan was processed. When I had to take time off of college due to an error done to my financial aid I was not notified that I had to start making payments to my loan. I only realized i had to make a payment when I saw my credit score go down 150 points, once I contacted the lender they it was up to me to know when I was supposed to make a payment although I was unknowingly enrolled into paperless statements. I asked if I made the payments if they were able to remove the late payments from my credit report because it was a miss understanding not an unwillingness. And I have not an any missed payments since than.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Hi my name is XXXX XXXX and my phone number is XXXX. I have recently received a robocall from someone named Maryland that claims she is affiliated with Capital One Bank, and was trying to contact me in regards of my checking account. I received the voicemail on XX/XX/2020 at XXXX XXXX pacific time. I dont even have an Bank account with Capital One. I think that this is a Scam Artist trying to get access to my personal information. I hope that someone can investigate this matter to prevent possible bank fraud and or ponzi scheme or some other type of money laundering. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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 is incorrect
Company: Sterling Infosystems Inc.
State: IL

Complaint narrative:
Sterling Infosystems has mad inaccurate information for my background check. Both times I was involved in a class-action lawsuit due to the erroneous information on my background and credit file. 

The company used someone else background with the same name and birthdate as mine. This person has a record and I was unable to obtain employment by United States Postal Service due to the wrong information.

Sterling Infosystems Used my background from 8 years ago. With a perfect record to tarnish my name and used me to not obtain employment with a top University.

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 2020-08-25 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: NV

Complaint narrative:
I have multiple accounts, names, addresses, socials, and phone numbers on my credit report that do not belong to me. I did lose my wallet with all my personal info around 9-10 years ago but did not know it was being used until recently. I have filed a police report and disputed it with the bureaus and they said it was proven to be valid which can't be true and have shown me nothing to prove it to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
im now trapped in a 8 or 9 year car loan with no end in sight

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I reached out to Convergent Outsourcing representing XXXX because I found them listed as a collections accounts on my credit report. After speaking with a representative, we agreed to a settlement for a percentage of the total amount they stated was owed, to which they shared that the debt would be deleted. I paid the balance that same day, XX/XX/2020. I followed up with them a few days later to confirm when and how I would be receiving the letter confirming the deletion. I was then told that they do not delete accounts from the credit reports. They mislead me to in order for them to receive a payment from me. I spoke with multiple supervisors who explained they couldn't do anything for me, " Maybe I should have paid the whole balance ... ''. They were extremely rude and condescending. I contacted the original creditor as well ( per Convergent 's recommendations ) and they stated it was not in their power. I was LIED to, this company did not honor their word and deceived me in order to get my money.

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 2020-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a check through the mobile app, actually 2 checks, and they closed my account both the savings and the checking, when I recieve my money I dont recieve the amounts of the two checks, I go to the bank I they say they are going to hold the money until the person who wrote the check comes to a BRANCH, this person is outside of the Country! And he cant come in!, He made The manager of his Bank, make a letter confirming he was the one making the check so please release the funds, and they havent done any of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: NV

Complaint narrative:
I have multiple accounts, names, addresses, socials, and phone numbers on my credit report that do not belong to me. I did lose my wallet with all my personal info around 9-10 years ago but did not know it was being used until recently. I have filed a police report and disputed it with the bureaus and they said it was proven to be valid which can't be true and have shown me nothing to prove it to be true.

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 2020-08-25 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: NV

Complaint narrative:
I have multiple accounts, names, addresses, socials, and phone numbers on my credit report that do not belong to me. I did lose my wallet with all my personal info around 9-10 years ago but did not know it was being used until recently. I have filed a police report and disputed it with the bureaus and they said it was proven to be valid which can't be true and have shown me nothing to prove it to be true.

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 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/2020, i ordered a replacement debit card. On appx. XX/XX/XXXX i went online to my account to see if I can check status of the debit card and came across my balance being less by {$3300.00}. This red flagged me because I didn't have a card to access any money in the account. I immediately contacted capital one customer service and told the i did not receive the card, and that the transactions weren't mine. The transactions occurred in XXXX, NY i was advised and i do not go to XXXX. The tranactions were on XX/XX/2020 an ATM withdrawal for {$800.00} and for {$360.00}. ON XX/XX/2020 the same. {$800.00} and {$360.00}. Also on the XXXX a money order was purchased at the post office for {$1000.00} plus a fee of {$360.00}. Customer service opened one claim for the ATM withdrawals ( 4 ) and one claim for the USPS transaction. On XX/XX/2020 i received a credit for {$1000.00} and on XX/XX/2020 i received a credit for the ATM transactions. 

On XX/XX/2020 the credits were reversed by capital one. WHY???? I never received my card. Capital one states i activated my card. I did not. I never got it. Also, I gave capital one the letter that I received from the USPS that on XX/XX/2020 a thief stole mail out of the mail carriers wagon for my zone. They notified all the afected addresses of the theft. I also submitted a police report. 
Capital one closed my cases and basically don't care. 

The major problem here is that CAPITAL ONE let someone activate my card, NOT Me and gave access to a thief. So closing my case to run away from a bank mistake is not the right way to go. 

i can supply the phone bill with all calls printed showing no call to capital one. i also gave capital one the letter from the usps and the police report and they refuse yo open the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX, and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX ) and I was never 120 days late ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a loan with XXXX/WELLS FARGO and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/WELLS FARGO and XXXX XXXX with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late ( Date of Late Payment )

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted XXXX  3 times to file an appeal to a decision to raise the credit limit on my card based upon incorrect information reported by Equifax and XXXX. I have not received a letter for denial nor a copy of the credit report they used to justify their decision. They have provided no information to justify their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: CA

Complaint narrative:
All three credit bureaus show a short credit history as a reason to report scores low. My credit history is over 20 years and not short by any means. All accounts are in good standing with no statutory late payments and no accounts past due. A 25 year credit history is not short and this is a misrepresentation of payment history and accounts on my credit. The only way I could have a longer history is to be XXXX XXXX XXXX and then have a 45 year history of credit payments.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 Comenity Capital Bank charged me an interest fee of {$4900.00}. The reason for the charge is that I did not complete my payment on time for promotional interest rate. 

However, I sent in a payment of {$6000.00} electronically on XX/XX/2020 to Comenity Bank, which was posted on my account. Comenity Bank did not process my payment of {$6000.00} until XX/XX/2020. 

Now, I'm being charged {$4900.00} worth of interest, i have tried to explain and sent in transaction details, but they are not taking it into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good Evening, I have disputed the medical debt on my credit that has no contract and incorrect information and I have also contacted the company with written statement and the company listed on the debt and confirmed that the information is incorrect. I have requested the information be removed several times however Experian has not removed the debt or provided documentation verifying or validating it. I received notification today that the debt has bee nverified but I have not be provided any information as to how. Please investigated why the following accounts remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments I can provide the letters and certified ticket confirming the letters were received. 


Thanks 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 2020-08-25 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a loan with XXXX/WELLS FARGO and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/WELLS FARGO and XXXX XXXX with no successful resolution. XXXX, XXXX, XXXX  reporting me late. There was definitely an error on their part. I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX ) and I was never 90 days late ( 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 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
We purchased a used XXXX XXXX in XX/XX/XXXX and financed by Westlake Financial. Then in XX/XX/XXXX the registration was due. It seemed high but we paid it. In XXXX of XXXX it was due and was really high again. So while at DMV we inquired why. Seems their is an error on title on the XXXX XXXX so we are being charged as if it is a new vehicle. 3 times higher than it should be. To correct it the DMV told us to send the document to our finance lender so they can return title to DMV to be correct and then they will send it back to Westlake Financial and then we can ask for a refund for those extra fees. But  Westlake Financial hasn't responded to the request. We have emailed the document on 3 occasions and spoke to someone almost every week since XX/XX/XXXX. As of today, XX/XX/XXXX the DMV has not received title back to correct it.

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 2020-08-25 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I have a loan with XXXX/XXXX XXXX and GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and GM FINANCIAL with no successful resolution. XXXX, XXXX, XXXX reporting me late. There was definitely an error on their part. I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX ) and I was never 90 days late ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand why? Please help me out. 


-US DEPT ED XXXX XXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX -DP OF EDUC 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 2020-08-25 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: CA

Complaint narrative:
All three credit bureaus show a short credit history as a reason to report scores low. My credit history is over 20 years and not short by any means. All accounts are in good standing with no statutory late payments and no accounts past due. A 25 year credit history is not short and this is a misrepresentation of payment history and accounts on my credit. The only way I could have a longer history is to be XXXX XXXX XXXX and then have a 45 year history of credit payments.

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 2020-08-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
All three credit bureaus show a short credit history as a reason to report scores low. My credit history is over 20 years and not short by any means. All accounts are in good standing with no statutory late payments and no accounts past due. A 25 year credit history is not short and this is a misrepresentation of payment history and accounts on my credit. The only way I could have a longer history is to be XXXX XXXX XXXX and then have a 45 year history of credit payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have contacted chase 3 times to file an appeal to a decision to raise the credit limit on my card based upon incorrect information reported by XXXX and XXXX. I have not received a letter for denial nor a copy of the credit report they used to justify their decision. They have provided no information to justify their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR

Complaint narrative:
I am in military and had to move due to service. On XX/XX/XXXX I made a principal payment of XXXX dollars because we had an offer on home. During that time I have had several problems on XX/XX/XXXX I called because it was not done. They told me that I they made a mistake and would correct so I could close. Since then called everyday nothing was done. I also made another XXXX principal payment that was not paid to principal. Long story short I was suppose to close and lost the chance to close on my house because of carrington mortgage

Company response to consumer: Closed with explanation