vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent XXXX the police report the information that was not mine on a dispute they are not trying to help in anyway even tho it was their security breach that cause all these damages ... now my XXXX XXXX   is missed up with my experian cra violation must remove inaccurate information they have cause my family thousand in dollars in time trying to fix this issue missing work and missing opportunity from a job b/c of my credit situation with inaccurate 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 2018-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive sent numerous letters to XXXX, XXXX and transunion  in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.

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 2018-01-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive sent numerous letters to XXXX, Experian and XXXX in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.

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 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was frustrated in my attempt to get a free credit report. 

Transunion is not offering an unambiguous free credit report. They require a credit card and make you subscribe to a {$19.00} monthy subscription. I submit this makes it " not free '' even if this money is refunded, or if the subscription can be cancelled before charges apply. 

It is a matter of intentional impediment to set it up this way. The consumer has no way of knowing how difficult it will be to avoid charges. Sometimes to cancel subscriptions a wrenching experience with the telephone is required, and there is no way to know if this will be the case here or not. 

They direct you to this link, XXXX XXXX XXXX XXXX XXXX XXXX : center : tu Please help, thank you. 
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 2018-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
Debt with XXXX XXXX Was paid off XX/XX/ payment was XXXX. 

Still shows up on my credit report after being told it would be taken off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Financial Care credit card has charged me late fee for 12 months. Synchrony financial Care credit charged {$38.00} every month for 12 consecutive months. Since I make weekly payments ( not monthly ), the last payment was outside of the due date ( XX/XX/XXXX ). The company put the last payment ( considered late payment ) cleared on the XXXX to XX/XX/XXXXof each month onto the said month instead of applying the last payment to the next month. The company then charged late fee {$38.00} EVERY MONTH from XX/XX/XXXX to XX/XX/XXXX by repeating the same tactic. No call or correspondence to warn me of late fees. 

But the abuse was that each month they charged late fee then kept the last payment which is usually after the XXXX of each month instead of applying to the next month. 

The total late fees charged was approximately {$420.00} for the last 12 months.

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 2018-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Management Core Solutions, Inc.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has threatened a lawsuit for an alleged debt passed the statute of limitations, for the second time. The first time was a garnishment of an account I did not have. Now they want payment withing 14 days or they will file a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
Acct is past statue of limitations - debt was canceled with XXXX XXXX - reporting same debt twice on my credit report - only had one loan out with this credit did a refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Immediate Credit Recovery
State: TX

Complaint narrative:
This is first of all a debt that was the result of Identity theft and opened without my knowledge the account. This account appeared on my credit report and I have no knowledge of this debt and never seen any collections attempt made by this company. I have seen the same old debt bought and placed back on my credit report. This company has bought a non valid debt. Also a police report as been filed in efforts to protect my information from those who used my information to open the bogus tradeline. 
Also the company may not be licensed to collect in the state of texas. And the account that they have reported was fully discharged for it being fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/ I submitted my recertification for my IDR. I never received an email or any notification that it was accepted or denied. Around late XX/XX/XXXXI received an email from XXXX XXXX that I have a payment due for XXXX. I called to find out that they never received recert. I verified email that it was sent to and it was correct. The customer rep then assisted to walk me through to upload my info through my account resubmitting again. Due date was close so I was forced to put my payment in forbearance. After being assured they received it this time I waited. XXXX I received another letter stating I was denied not eligible for XXXX, keep in my mind my family has not changed and my income did not change so why? I was told that my family size had changed and that I did not submit my husbands income.??? My ex- husband?! Who does not live with me. He was not even on my last IDR or the one before that! I was told they would resubmit to correct the error and was transferred to Forgiveness program unit to find out if due to error could I receive it as credit to my forgiveness. I was told I had to leave my acount in a 30 day default during investigation. No one contacted me so I called back to be told that my ticket is still open after 15 days. I was also told by the third rep that submitting through email is no longer excepted as of XX/XX/ which was way before I submitted, so why did that rep tell me to process it that way and the second did not say thatnas well. He also told me that I need to resubmit a new IDR because the last one I submitted has expired. Of all the years I have never experienced such delays. I just want my life to resume. To be left alone. I am doing my part and making my payments or what is owed to me as credit for finding a job and working hard. It not fair this company is dragging me through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I was in a car accident on XX/XX/XXXX and that totaled my car. My insurance company sent the bulk of the payoff of the loan, {$19000.00} to be exact and that was posted on XX/XX/XXXX, reversed and then reposted on XX/XX/XXXX. Since that date, Honda Financial has still reported my loan as late and owing 46+ payments. Then on XX/XX/XXXX another {$1200.00} was posted towards the payoff from the Warranty Refund applied to the car, and still, Honda Financial is  report this loan late. the last item needed to payoff my car was for the GAP Claim to be paid. I checked on my account almost daily to see when this would be paid off. The payoff on my account the beginning of the week for XX/XX/XXXX stated my payoff was about {$2500.00}, the GAP claim paid {$2400.00} on XX/XX/XXXX. As of XX/XX/XXXX, my account still states 43 payments remaining and past due. I have called several times into their customer service center. The initial person I get is just part of like a Customer Service Center they have stated on 2 separate occasions. The 1st incident where I asked to escalate and speak to a supervisor, I was told that they don't have direct phone numbers that they could give out and that I would just have to leave a message and they would escalate and have them call me. I never received a return call. Again I called on XX/XX/XXXX at XXXX est and this time got a lady named XXXX who told me the same thing, but this time transferred me to the voicemail of someone named XXXX and I have still not received a call back. They have had an automated number call my cell numerous times stating my account is past due, but whenever I call back to speak with a live person, there doesn't seem to be anyone that will return my call. The payments that were received on this loan from my insurance companies have been mishandled and misapplied and I have tried for almost 3 months now with Honda to get this corrected. I have also disputed this with the credit bureau as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
XXXX  is stating that I owe credit protection {$370.00}. XXXX and XXXX has confirmed that the collection is not mine and has removed it from my credit score, however XXXX is still holding on to the collection for some reason. Is there anyway this collection can be removed from my credit report? Southern mgt. is stating that I owe them XXXX as well, however XXXX, XXXX, and XXXX  has confirmed that the address associated with the collection does not belong to me, however the collection is still showing up on my credit report can this collection be removed from my credit reports? Please if you can help me in anyway possible it would be greatly appreciated. Thank you so much, I appreciate any help you can provide 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 2018-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I opened an account with Home Depot. They never sent me a bill and have been charging me late fees. I have spoken and written to them about the problem and told them that I would gladly pay the bill when receive a bill. The continue to hassel me and add charges. They have called multiple times and have not corrected the problem. I refuse to pay any late fees they have added due to their mistake. They have been completely unresponsive.

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 2018-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
on XX/XX/XXXX I got an offer in the mail by my crated card company. A blank cheek and no interest for 18 months on XX/XX/XXXX I cashed {$3000.00} thin in XX/XX/XXXX I cashed out a another {$2500.00} Now I cant pay and I fill I was taken advantage of for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
i received a letter from XXXX XXXX XXXX to apply and refinance my mortgage i call and contact XXXX XXXX XXXX and he run my credit and ask for my ssn and told me that he was going to lower my rate fron % 5 to % 4.3 and i email him all my house information he also told me that i didn't have to worry about XX/XX/XXXX and XX/XX/XXXXpayments that they are taking over the loans and i told him that that sounds really goods so i can buys gifts for my relatives i was also contact by XXXX XXXX XXXX assistant and told me to call my morgate company and find out if they where to going to pay for the propery taxes so i called and they told that they are not and after that like XX/XX/XXXX and afther that day i called them both. email them both i also. i also called to speak to a supervisor and no one from this company have return my emails or called now my credit score dropped 100 pints due to this people unprofessionalism

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX breach has cause my XXXX and transunion to be inaccurate information sent police report and idtheft gov trying to get my life back in order one day at a time spent countless hours working on my credit cra violation of inaccurate information 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
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
I decided to check my credit on XXXX XXXX. Imagine my surprise when my XXXX  score showed in the low 600 's due to a medical collection in the amount of {$110.00}. 

I called the collection agency - XXXX XXXX XXXX XXXX - on the credit report and asked them if I paid the debt, would they give me a letter stating that the debt had been paid and be deleted from my credit report? They refused, telling me that they would only give me a receipt. No guarantee of reporting back to the credit bureaus that the debt had even been paid. 

I then asked them when they received this debt, as I never received a notification of any kind, in writing or a phone call, to notify me. Again, they refused to answer. 

I have had this happen twice before with medical co-pays, and the collection agency either called me or sent me a letter allowing me to pay the debt before it was reported. 

XXXX XXXX XXXX XXXX is a terrible agency, since they will not provide documentation of any sort showing that a debt has been paid to allow the consumer the chance to correct it with the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX breach has cause my experian and XXXX to be inaccurate information sent police report and idtheft gov trying to get my life back in order one day at a time spent countless hours working on my credit cra violation of inaccurate information 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 non-monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
We thought that we could get a lower rate from 4.95 %, principal balance forgiveness or some sort of assistance, we were asked to put in for a loan modification to get help. What we got was an interest rate of 4.95 % which is what it supposed to be anyways plus a final balloon payment ( over 139,000 ) -a rip off. You advertised on your website that you are committed to helping home owners with home retention, so how have you helped us? You asked to a bunch of documents, we sent them in for assistance, what we got is a total rip off. Attached are supporting documents for the interest rate of 4.95 % which is where were at prior to the first mod.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have had an auto loan with Chase Auto Finance since XX/XX/XXXX and have never had a late payment until XX/XX/XXXX. 
I was XXXX overseas for most of XX/XX/XXXX and didn't always have access to the internet or phone service. 
In XX/XX/XXXX, someone got into my main bank ( XXXX XXXX ) account and illegally transferred a large sum of money to another account. XXXX XXXX closed all of my accounts and gave me new ones overnight. 
I had auto-pay set up with Chase. When I had a chance, I updated Chase payment details to charge my new XXXX XXXX account. I must not have set it up correctly, which is my fault, but it ended up in a missed payment for XX/XX/XXXX. 
When I realized my mistake, I sent the current and missed payment which were received on XX/XX/XXXX. 
I found out the one-month missed payment had went to the credit bureau and turned my FICO credit score from XXXX to XXXX. I didn't know there was anything I could do. 
I recently learned I could try reaching out to Chase to have them remove the late payment. 
On XX/XX/XXXX, I called Chase and reached their credit department. I spoke with a female name " XXXX ''. I explained that I was XXXX last year and didn't always have internet/phone access and that I would like to know the process for getting a late payment removed from my credit report. She responded that she will not remit late payments. I asked if the credit bureau or any other third parties would be able to help and she did not know, but restated that she won't remit a late payment. I asked if there's anyone in management I could speak with to see what my options are and she said she will not transfer me to a manager and nobody in her department will remove late payments. 
In short, it was my fault for messing up the auto-pay after getting my new XXXX XXXX account. However, I was never unable or unwilling to send my loan payments to Chase, and given the circumstance I was in last year, I believe it is unreasonable to not work with me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I talked to a CSR around XX/XX/XXXX about spreading my payment out over a year because I needed to do major repair on my car and the rep and I kinda went back and forth about how to handle making the payment I wanted to be sure that I won't be reported late and she did let me know it wasnt in the contract to do that what she could do is allow me to spread the payment but what she didnt warn me of that my payment would be reported late every month until I paid all the money I owed, so 4 months later and I'm still being reported late. I made the last payment on XX/XX/XXXX that made me current on all payments and then on XX/XX/XXXX I received a notice from  XXXX saying I was 30 days late again I really need this to be resolved I'm also in the process of buying a home so your help is greatly needed and I have proof of all payments and, I also need to make it clear that up until this time I've never missed a payment and if I had known that it would be reported late I would have agreed to this atrocity.

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