vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a form for auto payments during the first months of my auto loan. I sent the first payment because it states to make payments until the auto pay begins I thought my auto payments because on their Bank of America it did n't show a payment was due.     I was never notified that I had missed a payment.     They state that they tried to contact me but I have no voicemails or email notifications that told me my payment had not been made.     I believe this is unfair because on their website they have payment alerts that tell me when a payment is due. Apparently it only shows when credit card payments are due not auto loans. No where does it state that. I was under the impression that if a payment was due it would show an alert. it did n't.     They told me that have time stamps of me logging in before the 30 day late payment.     I have and had enough money in my account to have covered that payment.

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 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion had two separate computer glitches that caused inquiries to be removed from report in  XXXX  and in  XXXX .
They put the inquiries back on my report after were deleted and did n't notify me either five days of this procedure. I would like these inquiries from  XXXX  on  XX/XX/XXXX   XXXX  from  XX/XX/XXXX  And  XXXX  from XX/XX/XXXX  removed ASAP.

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 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Account ending XXXX.. Company charged late fees and finance charges totaling {$92.00}. Did not receive statement in time. Once received statement, the account was paid in full immediately over the phone. Contacted company and informed them the balance is in dispute, but they continue to charge late fees and interest on top of preveously charged late fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18 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: FL

Complaint narrative:
There is a {$620.00} collection on my credit report for  XXXX  and I have never had  XXXX  I have never been inside of a  XXXX  store or had anything from  XXXX  but somehow now they are saying that I owe them {$620.00} and it 's a major hit on my credit report and it is n't me how can someone start an account without verifying my ID and verifying who I am

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NJ

Complaint narrative:
Cbe group was notified by   XXXX   to cease collection activity but Che group is still reporting to   XXXX   credit bureau 's.

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 2017-07-18 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: LA

Complaint narrative:
I was improperly directed borrowers into forbearance when these borrowers otherwise might have qualified for income-driven repayment plans, and did not adequately keep borrowers in income-driven plans informed of deadlines to maintain their eligibility under such plans. I stated .working onXX/XX/XXXX-XX/XX/XXXXfor XXXX XXXX XXXX XXXX XXXX in XXXX , XXXX in the XXXX XXXX Division as a XXXX XXXX, I moved back to XXXX and gain employment with XXXX XXXX XXXX XXXX as a XXXX XXXX XXXX on XX/XX/XXXX-XX/XX/XXXX.  I am currently employed as a XXXX XXXX XXXX at XXXX XXXX XXXX from XX/XX/XXXX to date. If I had been advise currently I would have had at least 90 payments credited toward my loans. I work as a XXXX XXXX XXXXXXXX serving XXXX XXXX XXXX and XXXX XXXX. My salary has never been more than 34,000 per year with a family size of XXXX or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I received notification on  XXXX   XXXX  2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on   XXXX    XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Representative, I have tried to prove that the account has been paid and they continue collections.   There has been a payment authorized but I need time to go through this information.   There is a investigation being done and they have n't completed their due diligence to finish the investigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent Experian several disputes letter trying to dispute items off my credit report. It seems that they are finding items that should remain on my credit report. I have sent them letter saying that these are not my account. I have had no contract with these companies. All the credit cared that 's on my credit report was done online. Somebody open up credit cards in my name online.  XXXX  and  XXXX  has deleted these items off my report after finding out that it was not mines. Experian is so hard to understand that these items are not mines. I have received letters from the company saying that it is a fraud and i sent them out to Experian and they still have it on my credit.i have others items on my report that is 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 2017-07-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I received notification on  XXXX    XXXX   2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on   XXXX    XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.

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 2017-07-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received notification on   XXXX    XXXX  2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on  XXXX   XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.

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 2017-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are  XXXX  liens on my  XXXX  credit report that do not belong to me. I have asked for verification from   XXXX   and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately.   XXXX   is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.

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 2017-07-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are  XXXX  liens on my   XXXX   credit report that do not belong to me. I have asked for verification from  XXXX  and they failed to do so. I contacted the courts they do not report t o 3rd party ag encies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately.  XXXX  is not the method of verification. I called the courts and they did not give no  one  information. Remove immediately! I will start legal action if needed.

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 2017-07-18 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: National Credit Adjusters, LLC
State: MD

Complaint narrative:
I have requested proof of validation on several occasions from the collections company NCA ( National Credit Adjusters ) and also from   XXXX   and  XXXX  once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on   XXXX   and  XXXX .  XXXX  and   XXXX    have not complied with the law and accurately verified my information as well. I have disputed with  XXXX  cred it bureaus three     separate times and they have yet to send me any proof of the investigation with this company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I reported multiples fraudulent transactions on time as soon as I realise, Well Fargo is denying the claim because my pin number was used. I dont make purchases with PIN numbers, I dont use the PIN I prefer to be signed the slip. On top of that, I dont understand how the transaction was made out of the USA and I did not receive any fraud prevention calls, and now they dont want to fix this. I havent been able to pay my medical expenses because of this, please not that Im a very sick person if I have to go to any emergency room and I dont have the funds in my account I will hold Wells Fargos Responsible for this.
claim number  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 2017-07-18 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: MD

Complaint narrative:
I have requested proof of validation on several occasions from the collections company   XXXX   (   XXXX   XXXX   XXXX   ) and also from  XXXX  and Transunion once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on   XXXX   and Transunion.   XXXX   and Transunion have not complied with the law and accurately verified my information as well. I have disputed with   XXXX   credit bureaus three separate times and they have yet to send me any proof of the investigation with this company as well.

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 2017-07-18 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: MD

Complaint narrative:
I have requested proof of validation on several occasions from the collections company  XXXX  (   XXXX   XXXX   XXXX   ) and also from Equifax and   XXXX   once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on Equifax and  XXXX . Equifax and   XXXX    have not complied with the law and accurately verified my information as well. I have disputed with   XXXX   credit bureaus three separate times and they have yet to send me any proof of the investigation with this company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I wrote Capital One about someone opening account under my name which was on the credit report for about going on a year now. Under My Consumer Credit rights I have the right to dispute this and have them take this off of my credit I have nothing to do with this account they keep going in my credit report and place in information and update after update which dramatically is messing up my score. I am not sure why they keep going on my credit report every month and updating information and causing it to drop significantly even though this is not my account this is   XXXX   they 're calling me a liar because they are not removing this from the credit bureau I have a case number with the police department about this case number  XXXX  I need this to be taken off my credit I will be making this public and advertising what they are doing to people. I need this removed from my credit report immediately please stop discriminating against me I have nothing to do with this account. This was already on my credit please have them stop updating it every month and reducing my credit score significantly   XXXX   discriminating against me and hurting me and causing conflicts and financial problems because of my credit. After I went ahead and made it last complain about this with the Consumer Financial they went back on my credit and updated the same information they had even though they know it was on there already. Since it 's not accurate now with the date being on my credit report and it 's now being on there has this month which is not accurate this needs to be off my credit report immediately!!!!!! If this is not off my credit report I will be contacting the state attorney 's office ... this is discrimination I am qualified under the consumer Federal Protection Law and you guys are violating it. You guys are messing up my credit by updating information that is not accurate they updated it to this year and this month which it was on there months and months ago this need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: FL

Complaint narrative:
I have a company on my credit report call   XXXX   XXXX   that I 've been trying to dispute for a long time this account is a fraudulent account which was identity theft which was never mines, for some reason they updated some information and it dropped my score  XXXX  points they was already on my credit report as a charge off account so why would you allow them to update it to this month which is not accurate date this account was on there for over 6months I have Federal consumer rights under The FRA.   XXXX   XXXX   added information which was already on there but they are harassing me and making my credit lower and lower and Equifax is dropping my score over   XXXX   points just because of update this is just Prejudice and discrimination there 's no way this is accurate please remove   XXXX   XXXX   off of my credit report immediately I have a case number from the police department   XXXX      XXXX   XXXX   XXXX  . Please remove this from my credit report this information is not correct you are not allowed to go back on somebody 's credit report and keep punishing me with the same account which I 'm not responsible for at all ... when   XXXX   XXXX   first went on my credit bureau account I lost significant of points now they keep adding and updating which makes it worse and not making it accurate because they keep making it as a new account which is not a new account and the dates is not accurate I do n't even know anything about this account.. I am not sure why Equifax dramatically dropped my score because of an update this is very racial profiling and they think we as consumers can do anything about it we ca n't just stand here and let you do this to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
I have a student loan with American Education Services. This is not who I originally received my monies through, but my loan was sold to them. For the past almost eight years I have been making biweekly payments to lower my balance and in turn keep the amount of interest down. The amount still owed after all this time is still more than what was originally borrowed!!! How can this be??? I was in banking/loans for 15 years!! What they tell me is bull on a cracker!! They are in the business to rip people off!! Look at the reviews on line. You can not get a straight answer from anyone!! This is terrible and should not be allowed!

Company response to consumer: Closed with explanation