vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
In XXXX of this year I obtained my credit report and found there was an account listed on my report for XXXX XXXX in XXXX XXXX. 

I was a patient there, on XX/XX/XXXX which I later confirmed through the hospital / via email. Since then I filed a dispute with all three XXXXXXXX, XXXX and XXXXXXXX as they appeared on all three reports. The information was supplied to all three by Aargon Collection Agency, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. My subsequent dispute was simple, the debt should have been removed as it was XXXX years years old. I had to for the 2nd time dispute different information with XXXX, as they had my Birthday and name incorrect. I was born in XXXX, XXXX had my Birth year as XXXX, and my name as XXXX XXXX, they added my middle initial to my first name, ironically making me a female ( XXXX ) is the female version of XXXX in XXXX and in many XXXX XXXX   families. 

Both XXXX and XXXX removed the XXXX account XXXX   did not, and in-fact verified the information as " accurate '' I don't know how they could claim the information was verified as accurate. I filed another dispute with XXXX  via mail, provided the information from the original creditor ( XXXX XXXX ) a copy of my social security card, my Nevada Identification ( Real ID Version ) and a copy of my W2 to confirm the address. Again they came back and stated " Verified and accurate '' with the account being opened in XXXX of XXXX. Approximately a week later I received a form letter stating " I would have to confirm my address, and my identity before they would send any information to my address ''. They did not ever read my correspondence everything they asked for to " confirm my identity '' was already included. 

At this juncture it's painfully obvious that not even the minimum " investigation '' was performed, no one ever read the letter. The debt is being re-aged plain and simple. I would think when the original creditor confirms you were not even a patient there during their stated time the account was " opened '' would be considered prima-facia evidence nothing is being done correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: IL

Complaint narrative:
On XX/XX/XXXX, my card was stolen while in transit, and since Capital One did not have proper security measures, my credit card was activated and money was withdrawn twice. {$20.00} was charged to me in withdrawal fees and {$0.00} interest was charged to me for the withdrawal by the bank. A month later the investigation completed and my account was cleared. The hundreds of dollars of charges impacted my credit utilization. I lost my brother during this time, and instead of grieving I spent hours on hold trying to get back {$0.00} and didn't get it removed until XXXX. I reported the fraud to XXXX, and capital one is disputing it, stating that there " is '' no fraud since it happened in the past. They are lying stating that they have no record of fraud. Furthermore, by charging me interest for the withdrawals, they are profiting off of fraud and committing fraud themselves. 

Capital One needs to implement mainstream and normally-practiced fraud prevention measures, and also should not spread false information about real events and practice fair reporting. This is a violation of the FCRA as it interferes with my ability to verify and ensure credit report accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is continuing to report three inaccurate public records after multiple dispute attempts online. I have verified with the data furnisher that they do not provide any information to any third parties. Therefore my report contains inaccurate non verifiable information that needs to be removed.

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 2019-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH 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 2019-11-05 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH 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 non-monetary relief
Consumer complaint received 2019-11-05 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I HAVE HAD ISSUES WITH FRAUD IN THE PAST AND I WOULD LIKE MY REPORT TO BE BLOCK AND NOT INFORMATION RELEASED WITHOUT MY CONSENT. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
When, the cosigner and I made payments the balance never went down. We tried to get a reduction in the payments or the interest rate and they declined. We did a financial statement over the phone in that was also declined. They double the payment if we would went thru the program which was 6 months. When you asked fir a forbearance they want to charge you {$50.00} dollars. But, you would not get the paperwork. I asked for a XXXX paper work they claim they sent it but never received the documents. We also asked for a payment arrangement. Which they gave us three options. Reduce interest which was about {$45.00} dollars, the second option was for bring the account current with the past due amount. Which, I told them everybody is on SSA or on FMLA. They didn't want to help us. Our last conversation with Navient was for a settlement which was 95 percent of the balance. Which, they never gave to much details on payment arrangements or how long the terms was. The amount was XXXX which couldn't help us. I notice the loan have been charge off in XX/XX/2019. Also, I notice on a letter that you sent by CFPB in XX/XX/2019 you stated on a envelope with our last name no forward address, unable to delivered. The postal office add this information. We received all of our mail by the XXXX which was provided to our customer service rep multiple times and there was a forwarding address on it. This label look made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I purchased new XXXX in XX/XX/XXXX had a car for ten days and got totaled. It was hit and run not even my fault. I made two payments one in XXXX and second one in XXXX because Toyota didn't want to release any information to my insurance because car was under my name. Finally in XXXX check was sent to Toyota Finance and car was payed in full. In month of XXXX I ever received a phone call from them if I am ready to get in a new XXXX. In middle of XXXX I received Billing Statement from Toyota Finance which I am attaching as a evidence. In this statement they are stating how I owe {$550.00}. So from XXXX until XXXX it took them four month to realize there was a difference between check they received from my insurance and there documents. They already release the vehicle and title so if there was a difference in a pay off amount why did it took them four month and why did they release title if vehicle wasn't paid in full? Also look at the dates please statement date on the billing statement is XX/XX/XXXX and due date is XX/XX/XXXX. Toyota Finance already put me on collections on XXXX of XXXX. I recently checked my credit because I am looking of buying my first house and seen what they did to my credit. Toyota finance should be prosecuted for this. 
Thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX in XXXX TX. I was under the impression that this car would be financed by XXXX XXXX as was the other car that I purchased brand new at the same time. 

Two months later, I received a payment booklet from BBVA for the financing, but I never signed a loan agreement with them, but yet I still made payments on time. 

On XX/XX/XXXX I was hit by a drunk driver and my vehicle was totaled. I worked with the other person 's insurance company who settled the debt for less that what was owed on it. So I reached out to the GAP company and was assigned a claims adjuster to start the process. I've since submitted everything they have requested except for the 4 things they needed from BBVA to process the GAP coverage. I owe XXXX on the vehicle and BBVA is calling me to collect the debt, but have disregarded all of my emails, phone calls, walk in to the bank where I've requested that they send the required documents so that I can submit them to the GAP adjuster. I have not heard from BBVA total loss department regarding the requested Items. I got a automated generated email and that was it. My claim is about to close and will be denied if they don't received the bill of sale, a copy of the cancelled check, the purchase order agreement, and payment history letter. 

Not only that, I was told by XXXX XXXX XXXX XXXX that the reason the XXXX location was closed was due to bad business practices. We never received the 2nd key fob for my car and my wife never got her car tented as we were told This has been a complete nightmare after being hit by a drunk driver and now have 3 car loans. 

Please help me! Please. You can reach me at XXXX or my wife at XXXX. You have my permission to speak with XXXX XXXX if you can't reach me by phone as I'm a XXXX XXXX XXXX for XXXX XXXX. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: CORELOGIC INC
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I HAVE HAD ISSUES WITH FRAUD IN THE PAST AND I WOULD LIKE MY REPORT TO BE BLOCK AND NOT INFORMATION RELEASED WITHOUT MY CONSENT. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH 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 2019-11-05 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: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I HAVE HAD ISSUES WITH FRAUD IN THE PAST AND I WOULD LIKE MY REPORT TO BE BLOCK AND NOT INFORMATION RELEASED WITHOUT MY CONSENT. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I HAVE NEVER DONE BUSINESS WITH DIVERSIFIED CONSULTNTS # XXXX****. I FILE A REPORT EARLY THIS PAST SUMMER PLEASE DELETE THIS UNKNOWN ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Risecredit, LLC
State: TX

Complaint narrative:
I filed Chapter XXXX bankruptcy in XX/XX/2018. Last week, the company RISE listed late payments on my account. This account was part of my bankruptcy. It needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I signed up with Suntrust under promo code XXXX. It specifies " Earn {$300.00} when opening a new SunTrust Advantage Checking account. Then, within the first three full months after opening the account, complete at least {$3000.00} in Direct Deposits*, per statement cycle**, for two consecutive cycles. 


Terms Apply. Offer valid for new personal SunTrust Checking clients only. A minimum opening deposit of {$100.00} is required within 14 days, and you must complete the direct deposit requirement as stated in the Terms and Conditions. The reward will be deposited up to 8 weeks after all qualification requirements have been verified. '' I met those conditions. Suntrust says the promo code was not attached to my account.

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 2019-11-05 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-05 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed Ally Financial about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXX/mth The second company was XXXX and was late only 3 payments. I was late XXXX, XXXX, XXXX 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 2019-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
I was on a payment plan of XXXX. They recently finished the plan and the payment went up to XXXX. I tried to tell them that I couldn't afford that at this time but I could continue paying the XXXX. My credit isn't good enough to refinance the loan and they weren't willing to work with me. So I pay the XXXX and now they've reported me as delinquent.

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 2019-11-05 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: OH

Complaint narrative:
I had filed a report I have several inquires that were never initiated for business I do not have accounts with any of these companies please delete them and the XXXX XXXX # XXXX****, XXXX XXXX  # XXXX**** XXXX 'XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX 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 2019-11-05 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-05 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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