vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-01 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: HI

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.Experian and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This involves a student loan. Navient changed my fixed interest loan to a variable interest loan ( on loans XX/XX/XXXX and XX/XX/XXXX ). The interest rate has increased from 0.001 % to 10.750 %. This occurred immediately after I paid off one of my loans. I was charged for the month of XX/XX/XXXX a total of {$73.00} in interest. 

I called the number on Navient 's web page ( XX/XX/XXXX ) and was transferred to XXXX. The operator indicated that she " didn't see '' the 10.750 % rate and had " no control over what Navient has on its website '' but that my " collector did. '' She also indicated that I " shouldn't rely '' on what's on Navient 's website and that it " wasn't up to date. '' Since the website shows my monthly payments, how much I must pay each month, and my payment history, this advice is XXXX. 

The operator then transferred me to XXXX XXXX where XXXX XXXX said she " didn't see '' the 10.750 % rate and had " no control over what Navient has on its website. '' When I indicated that the previous person claimed XXXX could correct the problem, she denied this and then berated me for being in debt -- in spite of the fact that I have been making the monthly payments as indicated on the Navient website. 

Though I did go into default during the beginning of the recent recession, I have been paying consistently on my loans since XXXX and have payed off most. I believe this is an attempt to keep me in debt in spite of my success in paying off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: VA

Complaint narrative:
On XX/XX/2018, I had called Equifax customer service number to ask about some items that are on my credit report. I was on the phone with the representatives for over an hour, they were asking me so many personal questions to verify my personal information before they speak to me about my account, they kept telling me the information that you gave us doesn't match what we have on file so therefore, they can't speak to me. I asked to be transferred to a manager, instead I was I transferred to a supervisor, I asked for his full name, he would not provide that to me, he stated that his name is XXXX and that's all he can give me. He would not speak to me about my account or answer my questions. It is unacceptable for them to keep me on the phone for over an hour and not give me any information, they kept telling me they can not speak to me because I failed to answer the verification questions even though I gave them all of the correct answers about my personal information. They are very rude and no one there was able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: NH

Complaint narrative:
Synchrony bank charged me a fee on an automatic payment that was made within the statement due date through their automated website process. I believe they do this as a regular practice against consumers. When corrected, they still show a balance due and can not fix it.

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 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
Credit Management LP has entered a negative ( collection item ) into my credit file with the main 3 credit bureaus for a debt that I do not owe. This negative entry has caused a major decline in my credit scores for each bureau. 

I requested validation of debt from Credit Management LP ( letter attached ) and as of today 's date, I have not received any form of validation from this company. I have attached a copy of the validation request letter that I sent to Credit Management LP, via certified mail. 

Rather than validate the debt and communicate what is required of me to assist with clearing up their records, this company entered negative and damaging information into my credit file. Validation of debt was requested because I know that all monies owed to XXXX XXXX were paid directly to XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 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: IL

Complaint narrative:
XXXX XXXX placed an account on my credit report that I neverhear of and Experian never verify that it was valid or with merit credit bureaus cant place bogus collection account on your credit report that is not valid

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 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link. 
1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide Equifax. 
2. I tried again and filled out everything, clicked submit, and was a message from XXXX XXXX saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 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: HI

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX** for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
I keep getting calls from gcs services daily

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: NM

Complaint narrative:
I pay my bills on time and even provide double payments or triple payments some months to pay my RV off as fast as possible. I verified the ability to do this through my initialloan applicationwhenIpurchasedtheRVandover the years with BOTW representatives. On numerous accounts I was told the following if I make consecutive payments over the minimum balance, the overages would be applied to my principal. I've been doing this with BOTW since the inception of my loan, only to find out that BOTW has been applying my double payments as interest charges. Ive included a breakdown of my account activity using data provided by BOTW and my checking account for information prior to the online records BOTW keeps. I have several months where ZERO percent of my payment wasnt applied to the principal.BOTW website is designed to confuse consumers and squeeze as much finance charges as possible from their loan applicants. I have a number of other loans with various banks who give account holders the option to pay their principal online or work with them to resolve issues with loan payments. BOTW has hung up on me numerous occasions and I wasn't yelling, cussing or acting unreasonable.

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 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
the debt is now in collections and needs to be taken off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: Credit Plus Inc
State: FL

Complaint narrative:
There are 2 inquiries on my credit report XX/XX/18 and XX/XX/18 from CreditPlus on my XXXX credit report. I would like 1 removed as I only authorized 1 pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I reviewed my credit report and found that there was a credit card collection on my account. My information was also updated to my current mailing address. I mailed at letter XX/XX/XXXX to dispute this collection. In the letter I demanded to see verifiable proof on the account " XXXX XXXX XXXX : Account # XXXX ''. XXXX  then sent me a letter not verifying said information. I then sent a second letter XX/XX/XXXX. They said it was " verified correctly '' but did not provide me any original documentation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it under Section 611 ( 5 ) ( A ) of the FCRA. All 3 bureaus nor the creditor have not provided this documentation and this should be promptly deleted.

There also was a dispute sent XX/XX/XXXX about multiple inquiries and they and the creditors have failed prove that I initiated such inquiries. 

*NOTE* Please see attached for all the documents and letters that were sent to XXXX. Please advise. For the collection account " XXXX XXXX XXXX : Account # XXXX '', this applied to XXXX, XXXX, XXXX, and the creditor. Those letters are also attached. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX I received {$100.00} into my PayPal account from a 3rd Party and per the application was told I could make a cash withdrawal through XXXX. I went through the requested steps which gave me 1 hr to withdraw with a code on the app. That expired as I entered the store so I got in line and then received another code. I went through the steps with the cashier but my {$48.00} withdrawal request was rejected three times even while on the phone for 30 minutes with customer service and then a specialist who suggested they were have Ng issues with withdrawal at XXXX I just do a transfer to my bank account. I told her the issue was timing and that I needed the funds that evening. The PayPal rep then assured me it would post within the half hour and that she would expedite it to make sure. I did as requested and received a message from the system that my withdrawal would be held for 24 hours due to suspicious activity. I immediately called back and was basically told by a different customer service rep and specialist too bad, nothing we can do, and she  shouldnt have told you that. In addition to the frustration of following the instructions to no avail, I dont appreciate people holding my funds and lying to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are 2 inquiries on my credit report XX/XX/XXXX and XX/XX/XXXX from XXXX on my Experian credit report. I would like 1 removed as I only authorized 1 pull.

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 2018-11-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a loan with a bank " XXXX XXXX '' and was given poor credit score, which XXXX XXXX said they got from Equifax after I had them go back 2x to review their files. When I inquired with Equifax on XX/XX/18, I was not given information I requested. I was told they can not give me my credit score. I went through 30 tortuous minutes of identification and they had my wrong address even though I've been living in the same house for 15 years and dozens of credit accounts. After I spent half the time identifying myself and the other half trying to resolve, I was told that they had looked at my file and COULD NOT identify anything derogatory in it. This stemmed from all my credit score monitoring saying me I had a scores north of 780 and Equifax reporting that it was XXXX. I requested to speak with a supervisor since they would not give me my score or resolve the discrepancy. As of the submission of this complaint, I have been on hold for 1.5 hours and counting ... ... This system is wrong, broken, and another symbol of big Corps controlling the process and the rules to the detriment of the citizen ... .Please have someone respond to me to tell me what can be done about this extremely poor service and I can not resolve why Equifax gave the wrong creditscore to a lender and I can do nothing about it!!! thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: HI

Complaint narrative:
" " '' I have disputed this collection on this XXXX   XXXX  for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link.

1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide XXXX. 
2. I tried again and filled out everything, clicked submit, and was a message from Trans Union saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the 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 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link.

1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide XXXX. 
2. I tried again and filled out everything, clicked submit, and was a message from XXXX XXXX saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the 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 2018-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
1. Per CFPB File No. XXXX Toyota was supposed to pay restitution/compensation on subject settlement.

2. Although they called me back couple of times to verify name and address, no payments have been made or received.

3. Could please advise Toyota to initiate remedial actions. Thanks a lot. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: TN

Complaint narrative:
I mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by XXXX XXXX because they sent a dispute update to Equifax but did not notify me by mail. According to fair Credit Reporting laws, XXXX XXXX should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: WI

Complaint narrative:
Opened a checking account on XX/XX/18 under an advertising pretense that I would receive a {$100.00} bonus after I made a Bill Payment through the checking account within 60 days of opening an account. During the application process, there was a notification that said " {$100.00} Bonus Promo Applied. '' After I completed the qualifying activity, I contacted the back to inquire about Promotional payout through a secure message on XX/XX/18. I was told at that time that I would have to wait 90 days for the payout. After 90 days, I contacted the bank again on XX/XX/18 and was told that my account was not qualified for the promotional bonus and that I had opened the wrong type of checking account. This was clearly a bait and switch operation as I had received a notification that the promotional bonus was applied during the application process. I also know of others who had opened the same exact type of checking account through the same offer and they DID receive the {$100.00} bonus payout as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone who is not me used my email address for a checking account and debit card with Chase. Chase has been sending me notices, including most recently a fraud notification notice, to this unvalidated email address. Although the account is not tied to my SSN, I am deeply uncomfortable with Chase sending fraud notices to unvalidated email addresses! Please follow up with Chase to let them know that they are putting their customers at substantial risk! 

( I am a Chase credit card customer, but do not have a debit card or checking account with them. )

Company response to consumer: Closed with explanation