vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have 5 private student loans with XXXX that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXXwhen I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 5 private student loans with Navient that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXXwhen auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXXwhen I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.

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 2017-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX contacted me about a credit card from Capitol One which they are attempting to collect upon. They did not identify themselves as being from XXXX XXXX XXXX XXXX. I discovered this after reverse tracing the phone number they gave me to contact them.Instead of discussing the delinquent credit card amount in question, they attempted to coerce me to purchase a gift card from them, before allowing me to inquire or negotiate over the amount I owe to Capital One. They sent me a letter dated XX/XX/2017 with the last four digits of the credit card # XXXX along with a case number XXXX. The letter instructed me to call an XXXX number ( XXXX XXXX ). I called the number which brought me to a menu with only one option, which was to hit the number 1. I selected the number and a call center representative came on the call and attempted to sell me a {$100.00} dollar gift card for a fee of {$2.00} before he would discuss anything about the delinquent credit card. This tactic was deceptive and unethical in my opinion. I was trying to make a good faith effort to settle an old debt and was being being solicited to buy something else in order to simply gain access to someone who could or would discuss the credit card with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
My bank has acknowledged that they know funds from my savings account were stolen from my savings account. They allege they have credited my account for a little over six thousand dollars. I have three receipts showing I deposited {$30000.00} on XX/XX/XXXX, {$14000.00} on XX/XX/XXXX and {$29000.00} on XX/XX/XXXX. Though I have repeatedly asked the bank to send me my money, they have sent me absolutely no money. I believe I should also be entitled to receive punitive damages for mental anguish and the financial hardship Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX has caused me. I do not know what the law says about that. I assume you do. My savings account number at Fifth Third Bank was XXXX. My present address is : XXXX XXXX, XXXX XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX. I do not know how to send you copies of the receipts for deposit. What should I do next??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX I applied for the Amazon Chase credit card and was declined. A year later an Amazon credit card showed up at my house that I did not apply for. I talked to Chase and they informed me that it was in fact fraud and cancelled the account. I also talked with them at that moment about removing the hard credit inquiry that was placed on my account, this was XX/XX/XXXX. XX/XX/XXXX I was applied once again without my permission. I called them explaining that this was fraud and I did not approve the application. They notated my account and claimed the two inquires would be removed from my credit. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have been applied again and again all without my permission. Again I have called to just be brushed off. I decided to try and dispute the inquires with the credit report but ran into a dead end when they told me to deal with the credit card company directly which has n't been working for me. I now have 6 hard credit inquires on my report that are fraudulent and would like them removed by the company. Someone somewhere within one of those companies has my personal information that they are using at their own discretion. I am concerned with how easy it is to access my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
SYNCB/Banana Republic Credit Card. I paid this credit card off in full in the amount of {$8600.00} in XXXX of XXXX. At this point, I tried to close the account but was told I could not do that yet. The following month an automatic deduction was applied to the card with out me knowing it. I receive a bill for this amount to my new address. I moved to a different address in XX/XX/XXXX. I paid the full amount. I received another bill which was being forwarded to me from my former address. I then paid the same amount again thus, overpaying. I refund check was sent to me but I did not receive it because by then my forwarding mailing address had expired. I never heard from SYNCB/Banana Republic Credit Card again. I thought the account was paid in full and closed. In XXXX of XXXX I received a letter from this bank saying the account had been turned over to a Collection Agency in the amount of {$410.00} I do not know what or why I owe money on this account. The majority of the amount owed is due to interest on the some unpaid amount. I 've been in contact with this company and trying to resolve this problem. Since I moved and the forwarding address expired I did not receive any documentation from this company until recently. I want to resolve this issue and pay anything that I owe to SYNCB/Banana Republic Credit Card.

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 2017-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
This is follow-up for Combined Complaint # : XXXX and XXXX. My second complaint is NOT a duplicate as you state ; it is instead a complaint about the way the CFPB basically shrugged off my original complaint against US Bank Home Mortgage. I was told by the OCC to readdress you again because according to the OCC, the CFPB IS supposed to investigate this matter. Your representative said the CFPB does NOT investigate this matter. Update : XXXX XXXX, 2017 US Bank replied to my reply letter. US Bank continues to state is has no responsibility in correcting our credit reports after it took 15 months to finally approve a loan modification. We directly refute this with proof in our complaint. US Bank simply denies it ever made any such claims of correcting our credit reports -- it further claims it deleted all documents that would support its claim. Basically, US Bank offers zero proof that it is innocent of the complaint we have made. US Bank cites that it is required by law to provide accurate reporting to the credit bureaus. No one is disputing that US Bank IS INDEED required to report accurately ; what we are disputing is ... .that they failed to correct what they said they would correct ... our 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 2017-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: MD

Complaint narrative:
AWA COLLECTIONS KEEPS CONTACTING ME. THIS WAS A REPO DONE BACK IN XX/XX/XXXX/XX/XX/XXXX. CAR WAS SOLD AT AN AUCTION AND SOLD TO ANOTHER DEBT COMPANY. NO LONG AFFILIATED WITH THIS DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12 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: NH

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX pulled my Experian credit report, thus placing a hard inquiry on that report, damaging my credit score, without my permission. I have never had any business with or requested any credit from XXXX 's. On XXXX XXXX XXXX I sent a letter to Experian ( since you apparently ca n't dispute inquiries online ) disputing this inquiry. On XXXX XXXX XXXX I received a fresh report from Experian ( Report number:XXXX Dated XXXX XXXX XXXX ). The inquiry was not removed and they stated, in part, " we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. '' On XXXX XXXX XXXX at approximately XXXX EDT I called XXXX 's Credit Department at XXXX. Their automated system confirmed that my SSN was not in their system. I spoke to a frontline CSR who confirmed that my name was not in their system. She then transferred me to " XXXX '' at approximately XXXX EDT who insisted she could not help me and I needed to dispute the Inquiry with Experian. Of course, I informed her I had already done so and they had referred me back to XXXX 's. She then transferred me again but that sent me to the voicemail of someone I believe is named " XXXX ''. I left a message, but have not received a return call. Since neither my name nor my SSN are in XXXX 's database, I do not believe this incorrect inquiry was a result of identity theft, I believe it was simply a data entry error on XXXX 's part. On XXXX XXXX XXXX I filed a CFPB complaint with XXXX 's requesting the removal of this incorrect inquiry from my Experian credit report. On XXXX XXXX XXXX I received a letter from XXXX 's stating, in part, " We have agreed to remove the XXXX 's inquiry made on XXXX. We have instructed all credit reporting agencies to remove the inquiry. '' As of XXXX XXXX XXXX this incorrect inquiry is still on my Experian credit report and still damaging my credit scores.

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 2017-08-12 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: AL

Complaint narrative:
I have two student loans account that are on transunion and XXXX due to Fraud! They were listed on XXXX  but were removed XXXX XXXX 2017 with police reports and ftc affidavits. XXXX forwarded the information to both transunion and XXXX which they have to do because its a identity theft/ Fraud situation. Transunion refuses to delete the accounts as well as XXXX. Transunion I 've called 4 different times and they told me they can'T remove items that are fraudulent even if the other bureau proved it was fraud This seems so wrong and a violation

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 2017-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union ( NFCU ) still has not validated the debt that they believe I allegedly owe.
I attached a document of proof with this complaint. One or more of these deposits were stolen from my account by NFCU when NFCU restricted my account. When validating the debt, NFCU needs to explain where those deposits went.
Also, NFCU continues to report unwarranted/ inaccurate, negative, defaming and derogatory information on my major credit reports. I have continuously asked them to remove the information but to no avail. Another complaint here is that Navy Federal Credit Union ( NFCU ) still has not paid me redress for illegally restricting my accounts during XXXX-XXXX in accordance with File No. XXXXXXXX-XXXX. I ask again that NFCU remove all inaccurate, negative entries from all credit reporting agencies for reasons stated below : NFCU unfairly restricted access to my accounts. By NFCU restricting access to my accounts, I did not have the same opportunities as other NFCU members to view, update, and address fees that may have been applied to my account. As such, any fees or late notices that were applied to my NFCU accounts during this time should not have any bearing. This includes all late entries and charge-offs on all of my NFCU accounts that are currently documented with all major credit reporting agencies.
Also, NFCU stole my VA XXXX payments that were given to me by recurring, automated deposits. NFCU used it to pay on credit card debt without my permission. I could not stop the automated payments because ( 1 ) my account was restricted so I could not transfer the money out of my account and ( 2 ) because it takes/took two months from the time the VA was notified to stop recurring payments from going to my account and switch it to another. According to the Department of the Treasury, taking any VA XXXX XXXX from a XXXX is illegal. For redress, I simply ask that NFCU remove all negative entries from all my major credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-12 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: AL

Complaint narrative:
I have two student loans account that are on XXXX and Equifax due to Fraud! They were listed on XXXX but were removed XXXX XXXX, 2017 with police reports and ftc affidavits. XXXX forwarded the information to both XXXX and Equifax which they have to do because its a identity theft/ Fraud situation. XXXX refuses to delete the accounts as well as equifax. XXXX I 've called 4 different times and they told me they can'T remove items that are fraudulent even if the other bureau proved it was fraud This seems so wrong and a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I got a first time Auto Loan through XXXX XXXX, and I paid my loan on time. Then they transffered my loan to Westlake Financial and both are still on my credit as a whole loan. The interest rate is  too high. And the car is only a XXXX with 85,000 miles on it. I struggle to pay my car payment every month, and I just realized recently how much interest is owed on the car. The car is overpriced, and the company

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 2017-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
USAA Federal Savings Bank is retaliating against me for filing complaint number XXXX for failing to refund my money on a credit card. I called them to report a Dispute on my USAA Checking Account and they have done nothing for 5 days, but give me excuses why they can not give me a provision credit. I have all the documentation for the two charges of {$80.00} for a Deposit for Electric Services and {$120.00} for prepaid energy services that XXXX XXXX was unable to deliver upon. XXXX XXXX said they could get me electric service in about 7 days. They said they could not get me the service after I paid them my last {$200.00} because I needed to get and Easement from some unknown person and they sent me a bill for {$2000.00} approx that they did not discuss when I opened the account. I have closed the account and they have not refunded my money. USAA has not assigned anyone to investigate the case, because they are trying to create Fake Fees OVERDRAFTS in my account. This is retaliation and the FDIC should be notified, because they must be some pretty big irregularities at USAA. It sounds like some kind of Ponzi Scheme is going on at USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I 've tried contacting the agency that the debt was placed to inform them that the debt is not mine, as I 've never had XXXX XXXX  services. The debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I have never went to see anyone of that name in 2013 or ever. I have insurance and if I went to this person or place I 'd know. I do not owe these people anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
The agency has 2 separate medical collections accounts, both of which I had insurance with The Illinois Medicaid Program at the time. These should had been billed 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
Consumer complaint received 2017-08-13 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: IL

Complaint narrative:
On my credit report it is showing a credit inquiry from XXXX that I never authorized

Company response to consumer: Closed with explanation