vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to submit applications for auto financing. While no accounts were established the applications generated inquiries that were found on his XXXX, XXXX and XXXX credit reports. The inquires were from XXXX of XXXX XXXX XXXX, Capital One Auto Finance and XXXX. Each of these offices were provided an official dispute of the items, XX/XX/2018 and as of this date none of these organizations have provided an update or a reply to the official dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to submit applications for auto financing. While no accounts were established the applications generated inquiries that were found on his XXXX, XXXX and XXXX credit reports. The inquires were from XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Suntrust. Each of these offices were provided an official dispute of the items, XX/XX/2018 and as of this date none of these organizations have provided an update or a reply to the official dispute.

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 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and 3 accounts have been opened using my personal information that I did not authorize. I have contacted these companies and they can not provide any contract bearing my signature that I have an obligation to their company or anyone they represent. These accounts are a result of identity theft. XXXX XXXX in the amount of {$400.00} XXXX XXXX in the amount of {$370.00} AND ANOTHER XXXX XXXX in the amount of {$610.00} Please delete and block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter and await your reply.

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 2018-09-06 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: TX

Complaint narrative:
Have been mis-lead regarding payments and reduction and or forgiveness of loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Upon reviewing my credit report I was surprised and shocked when I saw a late payment! I don't have any idea how this could have happened. The report doesn't even show a date so I don't even know when this supposedly happened. I always make my payments when I receive the statements. The statement must not have gotten to me somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: MN

Complaint narrative:
XX/XX/2018 My wife and I were shopping mortgage lenders and got a mortgage pre-approval. My credit scores came back XXXX - XXXX, XXXX - XXXX, XXXX - Equifax. The low score from Equifax was attributed to a " serious delinquency '' that they found on my report. This is incorrect as there are no delinquent accounts at all on any of my reports with any credit bureau. 
-- -- -- -- -- -- - XX/XX/2018 I called Equifax to ask what was going on and why was my score low and my report showing " serious delinquency '' when there wasn't one on my report. To explain the score, they said that different credit bureaus use different models for scoring. This is obviously true, but there wouldn't be a 60 point difference between Equifax and the other two bureaus. They stuck to the script about that's the difference. I asked to speak to a supervisor about my " serious delinquency '' and why the file said that. I verified with two different supervisors that there were absolutely no derogatory remarks on my account and they couldn't help me with why the report was saying that. They offered to send me a free paper report to verify for myself. 
-- -- -- -- -- -- - XX/XX/2018 I received the paper report from Equifax and verified that there not only were no " serious delinquency '' on the report, but that there was no negative information at all. Again, a call to Equifax resulted in nothing being done and no fault admitted. Just them continuing to say they weren't sure why it said that and they use different scoring models than the other two bureaus. 
-- -- -- -- -- -- - XX/XX/2018 While checking credit scores from different credit cards and credit monitoring tools, my scores are now XXXX - XXXX, XXXX - XXXX, XXXX - Equifax. There is still a 60 point difference with Equifax and the reason still cited is " serious delinquency '' which I've been unable to get them to verify or remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: TX

Complaint narrative:
I am a victim of identity theft and the information inserted under XXXX XXXX in the amount of {$400.00} is a result of identity theft. I have never done any business with XXXX  XXXX. Please delete this account from my credit file immediately. As directed by 605B of the FCRA you are required to block and notify furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 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: TX

Complaint narrative:
The credit agency has refused to remove the false reporting on my credit report from the XXXX XXXX XXXX XXXX XXXX the existence of an abundance of evidence that shows that the XXXX XXXX Holding company made mistakes and it clearly stated that they did not have the expertise to properly dispute a charge. 

Inside of my written statement there is a link to the XXXX recorded conversation with the XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX  XXXX where the XXXX XXXX XXXX representative clearly states that they are not qualified to dispute my charge, yet the credit agencies continue to post this delinquency on my credit account even though it was not my fault. The agencies have an obligation to look at both sides and make a determination with regards to who is telling the truth and not simply taking the side of the organization reporting the delinquency and to date the credit reporting agencies have not done so, they have simply rubber-stamped whatever the merchant says and posted the negative comments on my credit report in lieu of the abundance of evidence which shows that It was not at fault due to the merchants inadequacies related to handling legal disputes

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 2018-09-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have currently filed illegal suit in the county of XXXX and given the information contained in the audio recorded with the JPMorgan Chase holding company I firmly believe it's a waste of time see you to spend attorneys fees to defend this case in court and I'm asking politely that you remove this from my credit report please see the link to the audio recording JP Morgan Chase representative supervisor and the documents and the court filing attached below XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I leased our family car in XX/XX/2013 3 years into a perfect record in payment I was left alone financially with my XXXX XXXX children. Car was reposed as I could not keep up payments. It is showing now 3 years later as still open on my credit reports. I have disputed with all 3 bureau 's and original lender. All to no change in my life is suffering due to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: RI

Complaint narrative:
On XX/XX/XXXX sent dispute to TransUnion and XXXX concerning a collection from XXXX XXXX- On XX/XX/XXXX I was advised TransUnion deleted the account file : XXXX {$420.00} amount shown in collection As of XX/XX/XXXX This account is still being reported as in collection and 0 % paid This was an account that was used/open fraudulently on an XXXX XXXX XXXX I never received and I reported to XXXX XXXX . I was advised account was closed and would be noted. ( original date XX/XX/XXXX/XX/XX/XXXX ) XXXX XXXX apparently purchased XXXX XXXX and this account began to appear on credit report as collection. I have disputed numerous times and requested validation and have never received any proof this account is or was opened by me : billing detail statements, signature card or proof this is/as my account. 
TransUnion/XXXX  finally were to delete the account but still showing on Credit Bureau Reports I believe this account keeps being sold/bought by different collection groups. My only notice has been Credit Report Monitoring

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 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My credit card company is harassing me with excessive holds on my account. They lock the card before and after every purchase. I feel like they are discriminating against me for some reason because they completely ignore my requests for a credit limit increases, even though I have good credit. 

I recently changed my address and phone number, so they locked my account again and required me to send in proof of my ID and social, they said my account would be unlocked immediately after they received the documents They received the docs yesterday at XXXX XXXX ( Tracking Number : XXXX ) but i still have not been able to use my 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 explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise Credit Services , Inc. is attempting to collect a debt for a creditor named XXXX XXXX XXXX XXXX, which is my mobile carrier and I am in good standing. 

When I question them about this debt, they then say this is for XXXX XXXX XXXX XXXX XXXX. 

I contact XXXX XXXX XXXX XXXX life to have them provide security services for a home. They were not able to install the service when required, subsequently, nothing was signed, nothing was installed and the service was NEVER activated. I am not able to get any on at XXXX XXXX XXXX to address this issue.

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 2018-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
We had 2 payments delayed never used them as we get paid every 2 weeks split the payments and over paid on the loan from the beginning and they charged us XXXX $ in late fees that do not apply sent the account to repo even though we owed less than the amount at the end of the loan the customer service people lost the POA that I sent so that my wife could handle the finances the loan was for XXXX $ including finance charges they were paid in total XXXX $ at the end of XX/XX/XXXX but then they charged us XXXX $ including 2 payments and late fees this Bank is cheating and while speaking with a rep she admitted that their system has problems. on numerous checks that I wrote to them I made notes because of their attempts at what I believe to be fraudulent activity as we should not have been charged late fees adding up to 52 months they are basically saying every payment was late and that is a false statement as they were paid from XX/XX/XXXX to XX/XX/XXXX XXXX $ each month in 1 payment after that they were paid XXXX $ EVERY 2 WEEKS as of XX/XX/XXXX the payments were totally current so then they sent it to be repoed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
Two years ago, my wife made a reservation on XXXX XXXX XXXX. While taking the reservation, the clerk persuaded my wife to apply for the XXXX XXXX XXXX Visa credit card, telling her that possession of the XXXX XXXX XXXX Visa credit card would entitle her to check one piece of luggage at no charge. My wife received the credit card, never used it once and was surprised last month to receive a bill in the mail from XXXX XXXX XXXX Visa Credit Card for {$69.00}, payable by XX/XX/XXXX. She called and learned that the fine print for the credit card stipulated that after 1 year there is an annual fee of {$69.00}. This was never mentioned by the reservation clerk when she was selling her the airlines credit card. My wife promptly canceled the card. When we called XX/XX/XXXX XXXX XXXX, they directed her to complain to the credit card company [ XXXX XXXX / XXXX XXXX XXXX / XXXX, XXXX XXXX/ telephone : XXXX ]. Not surprising, the credit card in turn directed her to complain to XX/XX/XXXX XXXX XXXX. Both companies were in agreement that they were not responsible. 
We strongly protest these sales tactics. My wife would never have signed up for the card if she had been warned up front of an annual fee. We are currently using a credit card that gives us reward points. I assure you that we would never have signed up for a card with a {$69.00} annual fee.

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 2018-09-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian 's FAQ on their site states that the customer can call in and request that a corrected credit report be resent to a recent creditor 's inquiry ; however, when I called in ( XXXX ) I was told this is not possible and that the inquirer would have to inquire again resulting in an additional hard inquiry and contrary to the website FAQ which I read to the agent and stated this contrasts with the information I am being told. 

Quote from : https : //www.experian.com/XXXX If you have applied for credit within the last six months ( the past 12 months for residents of Colorado, Maryland or New York ) , you can request that an updated copy of the report be sent to those creditors. You can also request that Experian send an updated copy to any employer who has requested your report within the last two years. 

In order to make your request, call the toll-free telephone number included with your personal credit report, or mail your request to the address listed on your personal report. Please be specific with regard to which creditors you are requesting updates be sent. Or, visit Experians Fraud Center for  more 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 non-monetary relief
Consumer complaint received 2018-09-06 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: RI

Complaint narrative:
On XX/XX/XXXX sent dispute to XXXXn and Equifax concerning a collection from XXXX XXXX On XX/XX/XXXX I was advised XXXX deleted the account file : XXXX {$420.00} amount shown in collection As of XX/XX/XXXX This account is still being reported as in collection and 0 % paid This was an account that was used/open fraudulently on an XXXX XXXX XXXX I never received and I reported to XXXX XXXX . I was advised account was closed and would be noted. ( original date XX/XX/XXXX ) XXXX XXXX apparently purchased XXXX XXXX and this account began to appear on credit report as collection. I have disputed numerous times and requested validation and have never received any proof this account is or was opened by me : billing detail statements, signature card or proof this is/as my account. 
XXXX/Equifax finally were to delete the account but still showing on Credit Bureau Reports I believe this account keeps being sold/bought by different collection groups. My only notice has been Credit Report Monitoring

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: RI

Complaint narrative:
On XX/XX/XXXX sent dispute to XXXX and XXXX concerning a collection from XXXX XXXX On XX/XX/XXXX I was advised XXXX deleted the account file : XXXX {$420.00} amount shown in collection As of XX/XX/XXXX This account is still being reported as in collection and 0 % paid This was an account that was used/open fraudulently on an XXXX XXXX XXXX I never received and I reported to XXXX XXXX . I was advised account was closed and would be noted. ( original date XXXX ) XXXX XXXX apparently purchased XXXX XXXX and this account began to appear on credit report as collection. I have disputed numerous times and requested validation and have never received any proof this account is or was opened by me : billing detail statements, signature card or proof this is/as my account. 
XXXX/XXXX finally were to delete the account but still showing on Credit Bureau Reports I believe this account keeps being sold/bought by different collection groups. My only notice has been Credit Report Monitoring

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 2018-09-06 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: AES/PHEAA
State: PA

Complaint narrative:
I am a government employee who qualifies for PSLF. I have been making payments on my loans since XX/XX/XXXX. There were no interruptions of payments as every month the payments were deducted automatically from my bank account. At no point did I request a forbearance nor was I aware of my account going into forbearance. Last year, XX/XX/XXXX, I submitted my form for PSLF. Once I requested to be considered for the Public Interest Loan Forgiveness program, my former lender, XXXX, transfered my account to XXXX. At no point was there an interruption of my payments as I mentioned above the payments were automatically deducted. Today, I spoke to XXXX to inquire about the status of my PSLF certification. I was informed by the rep that only one payment ( XX/XX/XXXX ) qualified for PSLF out of all the payments I made between XX/XX/XXXX-XX/XX/XXXX because of an administrative forbearance that was placed on my account without my consent. Again, I have been making monthly payments on my loans the entire time. When I asked the rep about the forbearance she stated it was placed by XXXX from XX/XX/XXXX-XX/XX/XXXX. I asked to speak to someone who could assist me in this and she informed me there was no one to speak to but she can send my PSLF application for review. This infuriates me. I have been paying off my student loans diligently and I don't want to get screwed by this lender. Please have someone get in touch with me asap because I do not trust XXXX and XXXX to take care of this. Thank you!

Company response to consumer: Closed with explanation