vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

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 2019-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX  XXXX  # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

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 2019-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello! 
I filed a Chapter XXXX Bankruptcy in ( I believe ) XX/XX/XXXX, it was dismissed a few months later. 
There were 3 accounts with 2 creditors ( 2 with Capital One and 1 account with XXXX XXXX XXXX ) that were all charged off in XXXX of XXXX. 
I never received any communication from these creditors regarding the accounts after they were charged off. 
Now, over 3 years later, between XX/XX/XXXX and XX/XX/XXXX, all XXXX of these suddenly appeared on my credit report as " failed to pay ''. 
Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
On XX/XX/2015 I facilitated a loan from Santander Consumer USA, I know my credit score was low because I was in XXXX ( XXXX ) and unfortunately I can not make any excuse but I was away. It was not explained to me that the loan would incur interest everyday at an alarming rate. My first 3 payments which were paid on time were applied solely to interest {$720.00} ( solely to interest ). I was at loss, not one day late and nothing applied to principal but then every payment I sent was applied mainly to interest and very little to principal. I called them, my parents called them on my behalf because this was impacting my XXXX and XXXX. I started having a hard time paying my payments because I could not keep up with the payments. Santander did not care. I research and know in other states they have class action law suits for inflated auto loans. My mother just took a personal loan to help me, She feels this is a predatory loan and said this amount of interest does not seem legal, please help me. She is paying the car off but I am leaving her in debt and if I can send a payment history you will see the damage done. please help this seems wrong and unjustified

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: WA

Complaint narrative:
XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  XXXX  XXXX partial account number XXXX. ( Please see pages 3 and 13 of the attached credit report. ) I have already called XXXX  XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-06-18 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:
On XX/XX/19, I tried to apply for a credit card and was told that I had a charge off from XXXX XXXX XXXX. I contacted them and found out that at XXXX, there was a fraudulent account opened in my name. I disputed the information with the credit bureaus and bank. The bank has not removed this information and told me that a XXXX year old can open a credit card but I never opened this account. The address and date of birth is not the same as mine. I have tried to resolve this and still havent been able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I made my first payment to Nelnet in XXXX, XXXX. To get ahead of the curve, I did a large payment of {$3000.00}. Since then, I have been paying roughly {$300.00} every month, which is a little bit more than my monthly payment. 

Due to the first bulk payment, all of my loan group payment due dates were pushed up considerably. I kept paying since this doesn't stop interest from accruing. I always chose the " account payment '' option rather than the " pay by group '' option as I figured Nelnet would distribute the money in the most reasonable manner to pay off the loans across the various loan groups and their respective interest rates. 

My last payment ( XX/XX/XXXX ), I noticed that suddenly my {$300.00} went completely to interest. I found this highly suspect and called the company. According to a representative, a Dept. of Education policy change in XXXX dictated that early payments would always go to the loan group with the highest interest rate if the " account payment '' option was chosen. Therefore, until the pushed up due date from my original bulk payment was finally reached, all of my payments were only going to one loan group ( since roughly XX/XX/XXXX ). 

While this sounds nice on paper, I don't know if this actually would help me, and I may have in fact lost money due to the accruing interest on the other loan groups that Nelnet didn't even distribute ANY money to over this period. While they allegedly were following DOE policy, I was never informed of this policy change by email or on the Nelnet website. I would NOT have continued to choose the " pay by account '' option had I known this is how my money would be distributed. 

I feel as though Nelnet ( or any student loan collection agency ) must be liable for notifying borrowers for any change in payment policies. I don't understand how I was supposed to be aware of a minor policy change that affects such a specific group of people if my lender/collector didn't notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal is reporting a credit card account that I was an authorized user on. I removed myself from the account. However the account is showing on my credit report as a closed account reporting negative payment history and the account was terminated. 

I was no longer on the account as an authorized user once the account when negative. Also as an authorized user I am not financially obligated for the balance of this credit card. Therefor the account should not be able to cause harm to my personal credit file in the way that it has. 

On the grounds of the Fair Credit Reporting Act- If the creditor is reporting any inaccurate and incomplete information, the account must be removed. The account list as Responsibility : Terminated and Remarks : Account closed by consumer one account can not have both status. Either the account was closed by the consumer or terminated by the Financial institution. 

Please not there is not an account number provided on report. 

NAVY FEDERAL CR UN Last reported XX/XX/XXXX Reported balance : {$0.00} Credit limit : {$24000.00} You're using 0 % of your account 's limit OVERVIEW Credit limit : {$24000.00} Minimum monthly payment : {$0.00} Opened : XX/XX/XXXX ( 2 yrs, 7 mos ) PAYMENT HISTORY You've made 79 % of payments on time J F M A M J J A S O N D XXXX green_status XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status red_status red_status red_status XXXX green_status green_status Current red_status : Not current Last payment : XX/XX/XXXX Payment status : Current Amount past due : {$0.00} Worst payment status : 90-119 Days Late ACCOUNT DETAILS : Account status : Closed Type : Credit card Responsibility : Terminated Remarks : Account closed by consumer Times 30/60/90 days late : 1/1/1 Closed : XX/XX/XXXX 2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: CA

Complaint narrative:
Fraudulent letter sent to me from " Allied International Corp ''  about non-existent debt from XXXX. I have 0 debt to XXXX and never have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: WA

Complaint narrative:
Experian is reporting a duplicate tradeline item for the balance of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This duplicate entry is harming my credit score and is a violation of the Fair Credit Report Act. Please delete this trade line item from my credit report.

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 2019-06-18 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, we closed selling our house. Our proceeds were provided to us in the form of 2 cashiers checks from our title company, XXXX XXXX. One check was for approx. {$1400.00} and one check was for approx. {$150000.00}. We deposited them on the ATM of our local wellsfargo and were informed that a hold would be placed on the funds until XX/XX/XXXX. On XX/XX/XXXX, I went to a branch to speak to the manager about receiving our funds and we were told that {$5000.00} of the deposit would be made available to us at midnight on XX/XX/XXXX. None of the funds have been made available. Ive called the branch and they said to call customer service who then referred me back to a branch location. We are now being told none of our funds will be available until XX/XX/XXXX, which is more than 7 business days past the initial deposit on XX/XX/XXXX. This is in violation of the funds availability act and the exception holds.

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 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CO

Complaint narrative:
I never signed a contract with XXXX XXXX and XXXX XXXX was in agreement. However, they put a {$580.00} collection on all three credit bureaus. 

This is not my debt, I do not owe this collection and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I never attended no XXXX university this is fraud i will be pressing charges

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 2019-06-18 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

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 2019-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

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 2019-06-18 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: TX

Complaint narrative:
I wish to bring actions against TransUnion for knowingly depressing my credit scores without any valid reason. During the month of XX/XX/2019 to XX/XX/2019, my credit score fell from XXXX to XXXX, reason gives : Oldest account is too recent, Lack of sufficient credit history, real estate account balances is too high compared to their loan amount, too many inquiries on credit report. None of this depiction is back by quantitative facts nor do they reflect the true picture of my financial management practices. 
*Oldest account is too recent/Lack of sufficient credit history : as a hold of a security clearance I made it a practice to live well within my means by not creating debt. Transunion should not be able to depict my credit standing as poor for managing my finances as recommended by the Adjudicative Guidelines. 
https : //www.consumerfinance.govXXXX *Real estate account balances are too high compared to their loan amount : This statement is without any form of supporting evidence of facts. My home was purchased for {$270000.00} XX/XX/2019, my current balance as of XX/XX/2019 is XXXX ( I have paid off {$6800.00}. ) Who are they comparing my mortgage to and what balances can provide to warrant this statement? 
*Too many inquiries on credit report : the inquiries listed are duplicates in which I have to ask to be combined.

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 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is a followup to complaint # XXXX. I mailed a check for the final amount and notified PayPal Credit to close the account. The check was sent via Certified Priority Mail with a return receipt on XX/XX/XXXX. It arrive at their post office on XX/XX/XXXX at XXXX XXXX. according to postal tracking records and as of XX/XX/2019 XXXX EDT PayPal Credit has not picked up the payment. 

I send this information for your records, because I believe PayPal will claim that the payment was late and want additional late fees and service charges or simply refuse the accept the payment and keep the account open continuing their predatory practice.

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 2019-06-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: AL

Complaint narrative:
have been waiting eight months to receive a check for the remainder of my fathers account ( {$3900.00} ). I have called multiple times a month since XXXX and have had no follow through. Im frustrated by the lack of response and accountability that Direct Express has shown me each time I have attempted to resolve this final matter regarding my dads death. 
On XX/XX/XXXX, my father, XXXX XXXX, passed away. In XX/XX/XXXX I called to close his account. Direct Express froze his account and sent me the paperwork to close it out. In XX/XX/XXXX I sent the paperwork back with everything requested. In mid-XXXX I called Customer Service to check on the status and was told a check was sent XX/XX/XXXX, and that it would take 4-6 weeks. I told the customer representative that I had not received the check, and she said I needed to wait the full six weeks before they could do anything. So I called back 3 days later. The customer service representative escalated my request and told me someone would call me back. I waited two weeks for someone to call me back. No one ever did. I called again. They escalated my request again. I never received a call. I called back once a week for the month of XXXX. On XX/XX/XXXX, I called again. This was the 5th time I was told someone would call me. I knew that no one would. I was finally given the number for the Payment Processing Department. I called and listened to the seven-minute long message before leaving a voicemail with all of the information. I was surprised that someone actually called me back. On XX/XX/XXXX she told me that she would send a request to the accountant to research the check, request a stop on the check if it had not been cashed, and then issue a new check. I asked how long I should expect that to take. She said 2-4 weeks depending on how busy the accountant is. I waited four weeks and called again on XX/XX/XXXX. Again they told me that they would escalate my request and a supervisor would call me back. I was finally given a fax number as a last-ditch effort. I called the payment processing department again on XX/XX/XXXX. I have still not heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had two credit cards with Capitol One with large credit limits for more than 14 years and have never missed a payment. I added Authorized users to my account, they requested I provide them with copies of the persons drivers license and Social Security cards via a secure link they provided. The other day I had finally got the last copy of the Social Security card and uploaded to the link they provided. A day or so later, I tried to purchase electronics for my business and it was denied. I called Capitol One and was told they had closed out both my credit cards and my reward points were forfeited. I called them again today and was told there is nothing they can do to reinstate the cards or refund my reward points. The reason they are giving me for closing the accounts is that they can't verify the documents I provided. I provided copies of front and back of the drivers licenses and Social Security cards as they requested. Is there anything I can do to get these cards reinstated, refund of my rewards points, and have them correct my credit report?

Company response to consumer: Closed with explanation