vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
My legal last name is wrong on all three reports, address is wrong and Ive lived at my current address for almost four years. My jobs are not correct. Ive owned a business for over 6 months and have been working for said business since I started it. Ive had a account with XXXX XXXX XXXX for 6 months and havent been late on a payment ever, but I dont see that in my report. Funny how companies are so quick to report negative items but not the positive ones. Broken system if you ask me.

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 2018-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
My legal last name is wrong on all three reports, address is wrong and Ive lived at my current address for almost four years. My jobs are not correct. Ive owned a business for over 6 months and have been working for said business since I started it. Ive had a account with XXXX XXXX XXXX for 6 months and havent been late on a payment ever, but I dont see that in my report. Funny how companies are so quick to report negative items but not the positive ones. Broken system if you ask me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am trying to verify my account information through an outside party and they have my information locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I had my mortgage with XXXX until XX/XX/2018 when it was sold to PennyMac.. I  got a letter from both companies and was told I did not need to do anything but change payment to new company. Then I get a letter from PennyMac XX/XX/XXXX saying I did not have homeowners insurance and I needed to send proof I have it and if not they would get insurance and I would have to pay. 
Then I get a letter from XXXX XXXX my insurance carrier saying that they had tried unsuccessfully twice to contact PennyMac and they would not reply. Penny Mac Maliciously tried to get me to pay for a bogus insurance they have. This was a threat and a scam. I have never been late paying anything and PennyMac is a unprofessional mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My SSN has been changed by an employee of US Bank, so that I can not access my accounts. I have had no issues with my SSN and being identified on the US Bank System.

An US Bank employee has changed by SSN without my consent and this has been done by the bank employee to make my life difficult.

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 2018-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is a problem with XXXX XXXX XXXX and Capital One. I have a XXXX XXXX with XXXX XXXX XXXX which is managed by Capital One. 

I believe Capital One had a system upgrade during the spring time, and there could have been some problem, because I have not received any statement from XXXX XXXX XXXX   from XX/XX/XXXX to XX/XX/XXXX, so automatically my balance became " unpaid '' without noticing at all. 

I have not received any statement or any notice from XXXX XXXX XXXX credit card in XXXX, XX/XX/XXXX, and XX/XX/XXXX until I received an email from XXXX XXXX XXXX on XX/XX/XXXX " We see you missed a payment on XX/XX/XXXX '', which was a big surprise to me, since I have not received any statement/bill from XXXX XXXX XXXX for a few months. I looked back my email account and really there was no statement emailed to be in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXXuntil I received such alert email. In a shock I immediately went to my account and I saw late fees and interest. XX/XX/XXXX was Saturday and the coming Monday was a holiday so I waited until Tuesday XX/XX/XXXX,  and contacted customer service of XXXX XXXX XXXX. I told the situation that I had never received any statement email or any alert email when I missed my payment due dates in XX/XX/XXXX or XX/XX/XXXX until I received one in a few days before. They waived the late fees but did not waive the interest, which was over {$80.00}. To manage, I immediately paid the balance. I can not understand why I have to be responsible and have to pay the interest, particularly with my 100 % on time payment history with full balance until then. 

Please investigate the issue with Capital One and XXXX XXXX XXXX. Not only the unfair interest was charged to me, but also this incident damaged my credit score. You can see my past very high credit score and payment history if you investigate. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-17 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: PNC Bank N.A.
State: MN

Complaint narrative:
The complaint is related to a PNC Bank credit card. The card has been used successfully for 14 years. The card has XXXX points, and I called to request the points be converted to a credit on the account. This had been done by me successfully one year ago. On approximately, XX/XX/XXXX, I called customer service to request the points be credited to our account. After being on the phone for 45 minutes and talking with two customer service representatives, I was transferred to XXXX in the fraud department. The reason, I learned, is that my husband is the " primary '' on the card ; I am a " qualified '' user ( my terms, may not be what PNC uses ). That was learned during the last 10 minutes of the 45 minutes on the phone -- after I asked XXXX a simple question, " What is the problem? '' My husband 's last name is not the same as mine, he is XXXX   years of age, was diagnosed with XXXX XXXX in XX/XX/XXXX ; and was unable to answer some of the security questions. That is, I believe, why we ended up talking to the person in the fraud department. This card is the only PNC Bank connection we have. XXXX solution : go to the nearest PNC Bank and complete paperwork to have me listed as a primary on the account. She looked up on her system, and said there is a PNC branch in XXXX, Minnesota. They are no longer a branch, and there is not a PNC facility within our state and region. At no point were forms offered that would allow me to become a primary on the account. To me, a simple solution would be to mail them, complete them, have them notarized, and mailed in. I am no longer using the card, and plan to cancel it upon a satisfactory resolution of the outstanding points -- in the form of a check sent to our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: GA

Complaint narrative:
Received a call from XXXX, asking if I had tried to apply for a XXXX XXXX XXXX credit card in California. I said that I hadn't, have been dealing with identity thieves in California. Checked my credit with XXXX XXXX and noticed a hard inquiry dated XX/XX/2018 originating from XXXX/XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: GA

Complaint narrative:
I have never had a balance on my credit cards. I paid them off way before the due date, leaving a {$0.00} balance when it's reporting to the bureaus. 
These 3 bureaus are reporting random balances that don't exist. My score has increase dramatically due this mistake. 
They first reported a high balance of {$95.00} And then decreased that balance by {$180.00} I even submitted my statement proven that I had no balance. 
This is so unfair. I finally decided to build my credit and the bureaus are reporting false information ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Trust Management LLC
State: MI

Complaint narrative:
This letter was sent to XXXX XXXX XXXX of XX/XX/2017. 

XX/XX/2017 Dear XXXX XXXX  XXXX, It has come to my attention that payday lenders must be licensed by the state of Michigan to offer loans to it residents and your interest rate should be capped. Since your company has no license in my state, and you have illegally charged me with a high interest rate, the loan contract I have with you is believed to be not valid. Although I was not legally required to do so, I have repaid the principal balance of the loan. I received a deposit of {$600.00} on XX/XX/2017 and have had 5 bi-weekly withdrawals of {$120.00} debited from my account. This results in payments totaling {$630.00}, therefore I will be making no further payments. 

I am also revoking authorization for any wage assignment I may have signed. Any future attempts to collect funds in the manner will be blocked. Please respond to this email with acknowledgement that my account has been satisfied in full via email. All future attempts to contact me should be by email only at XXXX. Please discontinue to call me at home and or at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting access to my credit report. My XXXX XXXX account shows Equifax block receiving updated report since XX/XX/2017. I have contacted Equifax several times to tried to resolved this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have never had a balance on my credit cards. I paid them off way before the due date, leaving a {$0.00} balance when it's reporting to the bureaus. 
These 3 bureaus are reporting random balances that don't exist. My score has increase dramatically due this mistake. 
They first reported a high balance of {$95.00} And then decreased that balance by {$180.00} I even submitted my statement proven that I had no balance. 
This is so unfair. I finally decided to build my credit and the bureaus are reporting false information ...

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 2018-06-17 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: FL

Complaint narrative:
EQUIFAX/I do not remember given authorized to these company to obtain a copy of my credit report. This inquiry need to be removed immediately : I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry./ XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: NY

Complaint narrative:
This information that has been reported to my credit report is fraudulent and I would like it to be removed and blocked from my credit report because it is causing me a lot of health issues. 









XXXX XXXX Status Closed Balance {$5100.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$11000.00} Type Credit Card Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX Status Closed Balance {$13000.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX   XXXX Status Closed Balance {$26000.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$3200.00} Type Unknown Payment Status Late XXXX XXXX Status Closed Balance {$660.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$6200.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status Open Balance {$2100.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6400.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$1200.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX Status Open Balance {$2100.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Open Balance {$44000.00} Type Installment Loan Payment Status Paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17 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: NY

Complaint narrative:
I am a victim of identity theft, and as a result a number of. accounts are on my report that are fraudulent. I would like to have these accounts blocked and removed from my credit report. 








XXXX XXXX XXXX Status Open Balance {$13000.00} Type Collection Payment Status Unknown XXXX XXXX Status Closed Balance {$6200.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$650.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$3200.00} Type Retail Card Payment Status Late XXXX XXXX XXXX XXXX Status Open Balance {$2100.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$48000.00} Type Installment Loan Payment Status 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 non-monetary relief
Consumer complaint received 2018-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had autopay set up for my credit card to pay the entire balance on the due date. This had been working fine for the previous due dates. But my last due date, they changed the autopay to just the minimum balance. I saw the payment go through so then I paid the additional remaining billing amount on the same due date, which was a Sunday. Then BofA charged interest on my balance since the payment didn't post until Monday. I reached out to them and they credited my account for the interest, but I want this to go on the record because this probably happens to a lot of customers and they just pay the interest.

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 monetary relief
Consumer complaint received 2018-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Navient never told me about the Public Service Loan Forgiveness Program. I am a XXXX   and would have been eligible to pay off my student loans in XX/XX/XXXX. In XX/XX/XXXX of last year I would have had 10 years of payments. Instead Navient kept advising me to put my loan into forbearance. In XX/XX/XXXX I worked with a private company to reduce my loans. They helped sign me up for the income based repayment plan and to consolidate my loans to reduce payment ( I could have done this ALL through Navient if they had informed me of these programs ). I was told by the private company to keep paying on my loans and that I could apply for the student loan forgiveness program in XX/XX/XXXX when payments would equal the 10 years of repayment-they were the ones that told me about this program NOT NAVIENT!!! When I applied in XX/XX/XXXX for this forgiveness, I was told that I didn't qualify because my loan was now considered a " new loan '' ( because I had consolidated them in XX/XX/XXXX ) and that I would have to continue to make payments for ANOTHER 8 YEARS!!! My loans are currently being serviced by " XXXX XXXX '' and they also have informed me of my " new loan '' status. This has created a terrible hardship for my family and I. A loan that should have been forgiven last year won't be forgiven for another 7 years because of Navient not informing me of these federal programs and steering me into the wrong direction. Pleas help me to know what to do. Can this be reversed? Can they be forgiven because of the withholding of information? I have XXXX for 15 years as a XXXX XXXX, worked hard to provide for my family and am being punished for lack of customer support and help ... Please let me know. Thanks so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: LA

Complaint narrative:
The reason I am requesting an investigation by your agency is due to Equifax customer service department would not help and take care of the negative inquiries reporting to my credit report. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5. XXXX 6.XXXX

Company response to consumer: Closed with explanation