vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 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: MI

Complaint narrative:
I went to a location to get my car serviced, I was told my car needed major repairs. I was then given an extended line of credit. 
I believe my car did not need all the repairs they claimed it needed. I also believe they only did the repairs due to the credit they offered me. 
I was never shown any defective parts. Currently my car is not running and my engine is not working. 
I want them to stop demanding money from me and stop reporting this on my credit.

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 2019-07-30 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I filled Out An application Back In XXXX XXXX. 
My Step dad also filled out an Application. 
The car lot Man name XXXX, commutation to my That my credit were bad. 
He told me that I did not get approve for the loan. 
A week from that I got that loan denied letter in the mail. 
Miss place my papers. 
I have requested paper from the Company that said they can not prove me no papers.

Three Months ago I visit the car lot. 
XXXX ask me why are the loan on your credit you did not get approve for that loan, Our Step dad got approve. 
I need them to remove off my credit if they can not provide my denied loan letter.

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 2019-07-30 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 placed a complaint to the CFPB regarding Experian and XXXX XXXX on XX/XX/XXXX ( report # XXXX ) and still to date, the complaint is opened because Experian did not do a proper investigation and has allowed the creditor XXXX XXXX to stay on my credit report after they failed to reply to the dispute/complaint within 30 days. It has been well over 30 days since I placed the complaint and since Experian responded on XX/XX/XXXX that they are still waiting on information from the creditor named XXXX XXXX. XXXX XXXX has not responded to Experian regarding my complaint of my account having fraudulent charges, due to identity theft and about the charges still not being settled and regarding my balances on both credit card accounts ending in XXXX and XXXX being incorrect. The balances are incorrect and I am asking that Experian remove the XXXX XXXX balances from my credit report. XXXX XXXX was given plenty of time to respond to Experian and the CFPB and they have not. It's been over 40 days since my complaint and dispute. This is a serious dispute because my identity was stolen and fraudulent charges were made on my XXXX XXXX account and still to date, after 40 days, Experian has allowed it to stay on my report, even without the creditor XXXX XXXX not responding after 30 days.

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 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Credit card moved the payment date on my card, which also moved the close date for new purchases so those purchases in the extended window will be due on the new date. This effectively moved a 30 day charge cycle to a 45 day cycle. My usual charge pattern is roughly 4K per month, which I pay in full. This will cause me to owe XXXX on the next payment cycle instead of the usual XXXX, and since many of the charges are automatic, preventing them from being charged to the account in the next 15 days is impossible. 

I would have expected the credit card company has notice periods and opt out to changes in billing cycle, this seems like a trap to distort the monthly expected amount to be paid to some higher amount so the credit card firm can collect interest on an account that it usually does not. Also, had I been given adequate advance notice ( 90 days ), I could have moved charges to manage the impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: FL

Complaint narrative:
I sent a letter to Equifax and XXXX after disputing the inquiries with the original companies. I also contacted them and nothing was corrected. I did not authorize the following inquiries on my EQUIFAX/XXXXreport. I requested them to remove the inquiries since I did not authorize. 

EQUIFAX REPORT XXXX XXXX-XX/XX/XXXX- I have an open account currently with them. That account resulted from a different inquiry date XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX-I have an open account with then. That account resulted from a different inquiry XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX REPORT XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX an account was opened that I did not authorize . I do not have a XXXX XXXX  XXXX-XX/XX/XXXX-I have an open account with them that resulted from a different inquiry date. 
XXXX-XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 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: ERC
State: GA

Complaint narrative:
XXXX  and Enhanced Recovery agency. There is a collection on my account that is not mine. I do not live at the address the service was provided and I have not given my ss # or signed a contract for the service they claim I owe. I did apply a security freeze on my account last year when this happened same company XXXX XXXX different collection agency. They need to proof this is my account. I have never had XXXX XXXX. I pay my bills on time and this appeard again like I said under a different collection company. I put a fraud alert on account. I am requesting the company send me proof to my current address of 20 years. I have not recieved anything in the mail. This is simply fraud and I want it removed immediately. The address the XXXX XXXX  was put in was a childhood home. I have not lived there in over 30 years. I disputed with XXXX last year they removed for lack of proof it has appeared again under different collection company and XXXX  has said the company showed it was mine. I would like to see the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I went to a location to get my car serviced, I was told my car needed major repairs. I was then given an extended line of credit. 
I believe my car did not need all the repairs they claimed it needed. I also believe they only did the repairs due to the credit they offered me. 
I was never shown any defective parts. Currently my car is not running and my engine is not working. 
I want them to stop demanding money from me and stop reporting this on my credit.

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 2019-07-31 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: FL

Complaint narrative:
I sent a letter to XXXX and Transunion after disputing the inquiries with the original companies. I also contacted them and nothing was corrected. I did not authorize the following inquiries on my XXXX/TRANSUNIONreport. I requested them to remove the inquiries since I did not authorize. 

XXXX REPORT XXXX XXXX I have an open account currently with them. That account resulted from a different inquiry date XXXX XXXX XXXX bank XXXX-XX/XX/XXXX-I have an open account with then. That account resulted from a different inquiry XXXX bank XXXX XXXX  Bank-XX/XX/XXXX XXXX Financial-XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX TRANSUNION REPORT XXXX XXXX XXXX Bank-XX/XX/XXXX XXXX and XX/XX/XXXX an account was opened that I did not authorize XXXX I do not have a XXXX card XXXX-XX/XX/XXXX-I have an open account with them that resulted from a different inquiry date. 
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 2019-07-31 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 placed a complaint to the CFPB regarding Equifax and XXXX XXXX on XX/XX/14 ( report # XXXX ) and still to date, the complaint is opened because Equifax did not do a proper investigation and has allowed the creditor XXXX XXXX to stay on my credit report after they failed to reply to the dispute/complaint within 30 days. It has been well over 30 days since I placed the complaint. XXXX XXXX has not responded to Experian regarding my complaint of my account having fraudulent charges, due to identity theft and about the charges still not being settled and regarding my balances on both credit card accounts ending in XXXX and XXXX being incorrect. The balances are incorrect and I am asking that Equifax remove XXXX XXXX and its balances from my credit report. XXXX XXXX was given plenty of time to respond to Equifax and the CFPB and they have not. It's been over 40 days since my complaint and dispute. This is a serious case, as my identity was stolen and fraudulent charges were made on my XXXX XXXX account and still to date, after 40 days, XXXX  has allowed it to stay on my report, even without the creditor XXXX XXXX not responding after 30 days. I would like for Equifax to remove both of the XXXX XXXX accounts. They have refused to respond in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Ordered some speakers through XXXX and when they arrived, it was not what was ordered so I informed XXXX, to which they approved a refund upon their return. 

When the items were returned, rather than receiving a full refund, ONLY a XXXX XXXX refund was issued Long and short, I did not receive what I ordered and paid for, XXXX states a refund is approved but has never been issued, therefore I would like to place the following items in dispute and request you refund my money. 

The charges in question is : XX/XX/XXXX XXXX {$610.00} XX/XX/XXXX XXXX {$140.00} -- -- -- -- -- -- -- {$760.00} Sent disputes to Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no resolution, which is why I am filing a complaint with you.

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 2019-07-31 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: Nelnet, Inc.
State: FL

Complaint narrative:
hello, i have been making monthly payments on this account for months. said payments are automatically sent via bill pay from my bank on the same day each month. 

the payments are not reflected on my credit reports. is that legal??? 

also, my credit report shows that i am late. while the payment isn't what " you '' want from me, it is something. it is what i can afford. is it legal to report late each month when payments are being made? 

at least i am making an effort, an attempt, and doing the best i can to pay. 

i have phoned nelnet in an attempt to speak with the gal who answered my last cfpb complaint, yet no one knows who she is so therefore no one can get a message to her. perhaps she is using a fake name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TN

Complaint narrative:
I filled Out An application Back In XXXX XXXX,2017. 
My Step dad also filled out an Application. 
The car lot Man name XXXX, commutation to my That my credit were bad. 
He told me that I did not get approve for the loan. 
A week from that I got that loan denied letter in the mail. 
Miss place my papers. 
I have requested paper from the Company that said they can not prove me no papers. 
Three Months ago I visit the car lot. 
XXXX ask me why are the loan on your credit you did not get approve for that loan, Our Step dad got approve. 
I need them to remove off my credit if they can not provide my denied loan letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I placed a complaint to the CFPB regarding Transunion and XXXX XXXX on XX/XX/XXXX and still to date, the complaint is opened because Transunion did not do a proper investigation and has allowed the creditor XXXX  XXXX to stay on my credit report after they failed to reply to the dispute/complaint within 30 days. It has been well over 30 days since I placed the complaint and since Transunion responded on XX/XX/XXXX that they are still waiting on information from the creditor named XXXX XXXX. XXXX XXXX has not responded to Transunion regarding my complaint of my account having fraudulent charges, due to identity theft and about the charges still not being settled and regarding my balances on both credit card accounts ending in XXXX and XXXX being incorrect. The balances are incorrect and I am asking that Transunion remove the XXXX XXXX balances from my credit report. XXXX XXXX was given plenty of time to respond to Transunion and the CFPB and they have not. It's been over 40 days since my complaint and dispute. This is a serious dispute because my identity was stolen and fraudulent charges were made on my XXXX XXXX account and still to date, after 40 days, Transunion has allowed it to stay on my report, even without the creditor XXXX XXXX not responding after 30 days.

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 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: CA

Complaint narrative:
In XX/XX/XXXX2019 my escrow/taxes were increased and I did got recieve the notice due to being on XXXX, this caused the auto payment I had to be short. I made the additional payment to correct the issue 10 days later and was told that was all I had to do and the issue was fixed. The following month I recieved a call to call them, when I did I was told I was 30 days late on my payment. I have never been late on a payment and always pay on the XXXX for the next months bill. After calling the company I was told by the person that everything was correct and that they had applied the XX/XX/XXXX payments to principal instead of to my bill ; therefore, the payment I made in XX/XX/XXXX was applied to the now 30 day late XX/XX/XXXX bill. The teller took a note and sent it to the auditor and was told that the issue would be resolved on the XXXX of the month. On theXX/XX/XXXX I checked online and the issue was still not resolved and it had once again been posted to the previous month. I have now been calling every two weeks trying to straighten this out calling on the XXXX of every month when they tell me that everything posts and the following day that i realize nothing was done again. I have talked to 11 people from this company three of them being supervisors and they have still not corrected the issue. Every time i call the place the people read me the notes that were taken by the last person and automatically see the issue. The only thing good i can say about the company so far is since i have been calling them and it is there mistake they have not charged me any late fees. I just want the issue resolved and have given the company plenty of time and reminders to fix the issue and it has yet to be resolved. Below are all the dates that I have contacted the comany in regards to this issue. I am currently on hold with them in regards to this again as the last supervisor stated that it would be corrected and posted by last night and it still isnt fixed. It is ridiculous that as a professional coorparation I can call that many times and get told it will be fixed so many times and nothing changes. This is by far the worse comapny I have dealt with in regards to correcting an issue, every one of your staff admits its the companies fault when on the phone and can see what im talking about but customer service is powerless to help. There is no accountability to get it corrected. 

XX/XX/XXXX XX/XX/XXXX x 3 XX/XX/XXXX XX/XX/XXXX x 2 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-31 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: FL

Complaint narrative:
hello, i have been making monthly payments on this account for months. said payments are automatically sent via bill pay from my bank on the same day each month. 

the payments are not reflected on my credit reports. is that legal??? 

also, my credit report shows that i am late. while the payment isn't what " you '' want from me, it is something. it is what i can afford. is it legal to report late each month when payments are being made? 

at least i am making an effort, an attempt, and doing the best i can to pay. 

i have phoned XXXX in an attempt to speak with the gal who answered my last cfpb complaint, yet no one knows who she is so therefore no one can get a message to her. perhaps she is using a fake name.

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 2019-07-31 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: FL

Complaint narrative:
hello, i have been making monthly payments on this account for months. said payments are automatically sent via bill pay from my bank on the same day each month. 

the payments are not reflected on my credit reports. is that legal??? 

also, my credit report shows that i am late. while the payment isn't what " you '' want from me, it is something. it is what i can afford. is it legal to report late each month when payments are being made? 

at least i am making an effort, an attempt, and doing the best i can to pay. 

i have phoned XXXX in an attempt to speak with the gal who answered my last cfpb complaint, yet no one knows who she is so therefore no one can get a message to her. perhaps she is using a fake name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: FL

Complaint narrative:
hello, i have been making monthly payments on this account for months. said payments are automatically sent via bill pay from my bank on the same day each month. 

the payments are not reflected on my credit reports. is that legal??? 

also, my credit report shows that i am late. while the payment isn't what " you '' want from me, it is something. it is what i can afford. is it legal to report late each month when payments are being made? 

at least i am making an effort, an attempt, and doing the best i can to pay. 

i have phoned XXXX in an attempt to speak with the gal who answered my last cfpb complaint, yet no one knows who she is so therefore no one can get a message to her. perhaps she is using a fake name.

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