vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-19 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: OH

Complaint narrative:
My name is XXXX XXXX. I have been disputing with the credit reporting agencies for several months now. They are reporting a Bankruptcy that I have been trying to get additional information on. I have asked the XXXX house if they correspond with credit reporting agencies and they indicated they DO NOT. The bureaus are using a third party as well to report information that they themselves do not investigate. Even that company they use DO NOT CORRESPOND WITH THE XXXX HOUSE EITHER. The FCRA mandates that if they report information they have to be able to truly validate it. How is that possible if the court house wo n't? Anyone how owns a computer can research things but that does n't mean that it 's true information!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I received a letter from a collections agency who said that I owe {$710.00} to an apartment complex they said I did not give a XXXX notice but only a XXXX that I left trash and did not feel my nail holes I have sent the collection agency and the lawyer that is now has the account all the information that I did what I said I did and they say I have not given them proof. They have put it on my credit and no one will rent to me and I will have to move and possibly live in my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: VW Credit
State: FL

Complaint narrative:
My name is XXXX XXXX. Last year XXXX XXXX, XXXX I purchased a lease from XXXX of XXXX, FL. I was asked by the cars salesman to pay him cash for my car payment so he could give me a discount. The cars salesman named XXXX XXXX, pocketed the money I was giving for my car payment. I paid him every month. I have text messages between him and myself of me giving him payment as proof. He never paid the car payment until XXXX XXXX. The reason why he paid it was because a repo man came to my job and tried to reposes the car. He paid the back payments from XXXX to bring me back up to date. He took another {$460.00} from me and never paid the car payment. I called VW and they fired him because of this. I am now behind my payments again because he took that {$460.00} from ( ( which is all on record via text ). I am now trapped in a XXXX year lease for a car payment of {$440.00}. I was promised by the salesman after a year of the lease I could bring the car back in and swap it out for a newer lease or to buy a new car. I only did this to bring my credit up. My credit is now XXXX. I am stuck in a car payment that is so high I am working a second full time job to make up for the car payment. VW will not help me get out of the lease or bring the car payment down. I 've spoken to VW credit and I 've spoken to the XXXX ( XXXX XXXX XXXX at VW of XXXX, where the incident happened. I ca n't afford a lawyer and I am really trying to seek some justice. I want to be put back into a more affordable car. I am so unhappy with the way VW handled this situation. I am a single person asking for help. They are a XXXX dollar company that can afford to help me out in this situation. Please contact me so we can figure out how to come to a resolution. Please XXXX XXXX XXXX reference number XXXX Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX opened a collections account on my credit reports on XXXX XXXX,2017. The only reason I know this is because I have credit monitoring accountt. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then XXXX XXXX has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with XXXX XXXX. I ca n't any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudelent trade on all CRAs ASAP! I will sue!

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 2017-10-19 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: SC

Complaint narrative:
Experian still has an AKA listed which I have disputed several times the name listed is XXXX XXXX XXXX which is NOT me nor has ever been.

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 2017-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This is a copy of a letter sent to Walmart/SynchronyXXXX along with their complaint form, in regard to a problem with my account : XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX XXXX, Florida XXXX Reference Credit Card Account Ending In : # XXXX To Whom it May Concern, I was checking my credit account with your company and discovered an error. I sent you two payments of {$220.00} to be applied to my account, one for my usual monthly payment and the other to be applied on the principal on the debt. Both payments were initially credited to the account on XXXX XXXX, XXXX. However, your accounting office, for some unknown reason on XXXX XXXX, transferred one of the {$220.00} payments to someone in XXXX, Georgia. 

I called your offices about two weeks ago to make an inquiry on this transfer and was told it had been transferred to my old Walmart account to cover an outstanding balance on it. I informed the person I was speaking to that there could be no outstanding balance on that account, as the complete balance of it was transferred to the new card when it was issued. I was then told the money would be credited back to my account. 

Since then, my normal monthly payment of {$220.00} was received and credited on XXXX XXXX, XXXX, but the {$220.00} that was transferred to XXXX, Georgia is still missing. 

Nobody at Walmart/Synchony seems to know exactly where my money went, but I want it refunded back into my account immediately and applied toward the principal on my debt balance. At this time I am paying additional interest to you because of this error. 

Sincerely, XXXX XXXX XXXX, XXXX. 

______________________________________________________________________ Since then, this has occurred : ______________________________________________________________________ On XXXX XXXX, XXXX, I checked my Walmart Card balance and found out that my balance had gone UP {$360.00}. Instead of deducting the {$220.00} refund I SHOULD have been credited with, it was ADDED to my current balance along with an increase in interest {$3.00}. Maybe I was better off just letting them keep the {$220.00} I was cheated out of, because they have now cheated me out of another {$220.00} plus interest. My balance actually went up from {$6600.00} to XXXX. There have been no other charges made on my bill by me, but my bill has increased by {$360.00}. 

Enclosed are copies of the printouts from my account online.

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 2017-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a credit card account with discount tire and they were supposed to debit my account each month but did not debit the account one month after my payment was increased only by {$15.00} and reported the account past due tarnishing my credit score.

I need for discount tire to report the account accurately due to no fault of my own ;

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 2017-10-19 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: I.C. System, Inc.
State: FL

Complaint narrative:
I have checked my credit report and XXXX states that I have XXXX collection accounts under XXXX XXXX XXXX XXXX. When I review the accounts, the account information has been repeated therefore the same account shows twice on the credit report. I informed XXXX  of the issue but they do not address the issue that the same accounts were posted twice on the 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 2017-10-19 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: OH

Complaint narrative:
My name is XXXX XXXX. I have been disputing with the credit reporting agencies for several months now. They are reporting a Bankruptcy that I have been trying to get additional information on. I have asked the XXXX house if they correspond with credit reporting agencies and they indicated they DO NOT. The bureaus are using a third party as well to report information that they themselves do not investigate. Even that company they use DO NOT CORRESPOND WITH THE XXXX HOUSE EITHER. The FCRA mandates that if they report information they have to be able to truly validate it. How is that possible if the court house wo n't? Anyone how owns a computer can research things but that does n't mean that it 's true information!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My credit score is XXXX I have a savings/checking account with Bank of America. I 've had an account with them for atleast 20 years!! They offered me an opportunity to apply for a Cash Rewards Visa Card. I was denied. I was given a free copy of my credit report. I 'm attaching my credit report. Nothing is wrong with it, that I can see. 
Bank of America states in the denial letter, ( attached ), that it was denied based on an account written off as uncollectable. Where is that on my file? 
I 'm attaching my credit report and letter from Bank of America as denial. 
I need help! How can I have a credit score of XXXX, which is noted in the letter from bank of america and a clean credit report. 
I get the run around from Bank of America on what 's causing this denial. 
Only 2 people have requested my credit report this year. They are one of the two.

It mentions that possibility for denial, 2 accounts?

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 2017-10-19 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: GA

Complaint narrative:
In XXXX my loans were put into forbearance without my request. Now interest during that time was capitalized on the loan. I had submitted forebearance/deferment application at the end of XXXX but that request was only made once. I continued to make payments during this time. Im on a paye program. All of my loans are fed loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, I made my payment online like I normally do each and every month. I was paying off the remaining balance of {$310.00}. Fast forward a month, I receive a notice that my payment never went through and I incurred a 30 day late mark on my credit report. I have asked Nordstroms to fix this reporting as this is their error and not mine. I confirmed with my bank that there was never a payment presented to them. I have not changed my banking information at all in a couple of years and i have never been late on this credit card or any other credit card that I utilize. This late mark is now causing me not to be able to purchase a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was instructed to submit my credit card for a {$30.00} deposit charge for my rental car. The car accident happened XXXX/XXXX/XXXX. I was not notified until after XXXX that they were unable to Locate her insurance XXXX and I was subsequently charged {$3300.00} for the rental car while they conducted their investigation. XXXX XXXX refuses to refund my funds due to XXXX error during the investigation. I received a letter from XXXX XXXX advising me if I had documentation that XXXX was going to pay for the rental car, I will be refunded my money that was unauthorized and taken out of my account. I submitted this evidence to XXXX XXXX by fax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently found some unauthorized charges on my Wells Fargo Visa card. The XXXX separate charges totaling {$290.00} were made on XXXX I notified Wells Fargo by calling XXXX on XXXX which is when I noticed the charges. I reported the unauthorized charges as fraud. At this point in time the funds have not been credited 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 explanation
Consumer complaint received 2017-10-19 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: SC

Complaint narrative:
I should not have to wait an additional 60 days to get inaccurate data off of my report with Equifax. How is this fair to me? I have already wrote a letter and mailed it to Equifax and nothing was done nor did I receive a response back. I feel I have waited enough time already. I was able to resolve it within 4 days with another credit agency. This is inaccurate and now I 'm being told it will take 60 days for the matter to be resolved. This is not fair please help XXXX XXXX XXXX {$130000.00} inaccurate never owed, please remove. I confirmed this with the IRS. 
COLLECTION # XXXX I called this agency they have no data on this. This is unverifiable, outdated and inaccurate remove COLLECTION # XXXX I called this agency they have no data on this. This is unverifiable, outdated and inaccurate remove

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Credit inquirie was made on XXXX XXXX by XXXX XXXX XXXX XXXX without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: GA

Complaint narrative:
This is the third complaint I have filed against Navient. I have found documentation concerning my loan consolidation in XXXX. I am being denied XXXX forgiveness and XXXX Loan forgiveness due to Education services Act of XXXX. On XXXX/XXXX/XXXX I went to XXXX XXXX XXXX XXXX at XXXX ( XXXX XXXX ) XXXX  XXXX XXXX XXXX and was educated on different information placed in my student file. 
There was a hardship clause placed in my student file. I filed bankruptcy in XXXX XXXX. 
According to XXXX XXXX who purchased/repurchased my loans in XXXX/XXXX/XXXX there was no debts charged off. The young lady @ XXXX XXXX Student Loan 's office stated some of my loans were XXXX. I had forgotten but XXXX/XXXX/XXXX I found a note where I had spoken to customer service XXXX stated that XXXX XXXX XXXX XXXX XXXX had paid my student loan number 1 and 2 in the amount of {$25.00} dollars in XXXX XXXX. My balance due was {$24000.00}. Please help me understand that today XXXX my student loan balance is over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was told by XXXX that my personal info was part of their breech. On XX/XX/XXXX, I place a freeze ( online ) on all 3 services. At the end of the online process I had to pay {$10.00} to each credit reporting service. On XX/XX/XXXX, I went to purchase a new vehicle. I told the dealership I had a freeze on my credit. I had to phone TransUnion ( automated ) to put in my pen # to temporarily unfreeze my credit. At the end of the automated call I had to pay {$10.00} for my credit to be checked. When I placed the freeze on my credit I was not notified that I would have to pay every time my credit needed to be checked. 

On XX/XX/XXXX I called TransUnion and their representative told me the fees vary from state to state.

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 2017-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I short sold my property on XX/XX/XXXX. During or prior to receiving the sale information, XXXX, acting as Attorney-in-Fact for XXXX XXXX XXXX, submitted a motion for summary judgement ( with a fraudulent affidavit ). XXXX XXXX XXXX approved this judgement with judicial sale date of XX/XX/XXXX.  This date has been changed a few times and is now scheduled for XX/XX/XXXX. After I submitted a previous complaint to the CFPB on XX/XX/XXXX ( XXXX ), my attorneys received the short sale approval letter from XXXX on XX/XX/XXXX. After complying with their requirements for closing, they included an affidavit which required buyers and sellers signatures. I have attached the affidavit here, The 2nd paragraph has a line saying '' the servicer ... .agrees to accept less than the amount owed to resolve its Loan ( pursuant to a separate agreement between the servicer and the seller ). I do not have any separate agreement. Also, in # 10 on this affidavit, '' each signatory to the affidavit agrees to indemnify XXXX and the investor ( supposedly XXXX XXXX ) for any or all losses resulting from any negligent or intentional misrepresentation including, but not limited to repayment of the difference between the amount owed on the loan and the discounted amount payment. '' I questioned why I do n't have the agreement they referred to in the second paragraph and why # 10, they were referring themselves to XXXX. They now have told my attorneys they will change the wording so it will say XXXX as attorney-in-fact for XXXX XXXX XXXX. I still do n't have the agreement that was referred to, which I believe would be the release from liability. Now the buyers have been waiting since XX/XX/XXXX to close, we were ready last week-I had the home checked by the water department as required, paid the XXXX but XXXX will not provide the release from liability. The scheduled judicial sale is XX/XX/XXXX. If they ca n't provide a release from liability, we ca n't close on the house. I believe they are stalling again or plan to come after me for the claimed deficiency once the short sale is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Whetstone Partners, LLC
State: SC

Complaint narrative:
A voicemail was left from XXXX XXXX, " private courier '' threatening to serve me at my job and/or home. He left the last four numbers of my social security number on my voicemail and stated that I needed to have my manager or HR representative at my job when he got there to serve me. I was at work at the time and stepped away from my desk to call back. I then spoke to XXXX XXXX who after asking her if she understood that it is a violation to leave private information on a voicemail especially when it is n't even confirmed to belong to me ( my voicemail has no detailed information on the recording ). She asked me if I wanted to talk about what the call was about or what was about to " happen to me ''? I reminded her that the call was being recorded ( I reminded her of this fact earlier in the conversation ). She then stated that she was going to end the phone call and hung up.

Company response to consumer: Untimely response