vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: TN

Complaint narrative:
My loan was due to be paid off on XX/XX/XXXX. According to Avant, I still have a balance due. Upon my research of my payment history, there are several payments there were not applied to principal. The payments were only applied to interest. I have inquired to Avant on several occasions via phone and email ( XX/XX/XXXX, XXXX ) inquiring about the payments and requesting the basis of their calculation. The only response I was give was Whenever making regular or additional payments, they will be applied first to outstanding charges, if any, then to accrued interest, and then to principal. This is an unsatisfactory response. Avant is being fraudulent in their lending practice. As of today, Avant has not provided proof of the basis of their calculation for the payments in question. 

According to my Loan Agreement and Promissory Note, the total finance charges is {$7800.00}. As of XX/XX/XXXX, I have paid {$8400.00} in interest. According to Avant, I still have a open balance of {$1200.00}. I am aware additional interest was due for the four extension I received through out my loan. I have paid {$600.00} in additional interest. 
According to my records, my account should be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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:
XXXX Account Number XXXX Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Balance : {$1300.00} This debt continues to remain on my credit reports after working with the credit bureaus to get it resolved. There is no phone number or proper information letting me know anything about this collection. I am not even familiar with this debt, it needs to be removed. This is negatively affecting my credit score. It should no longer show on my Equifax and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: MN

Complaint narrative:
The following accounts and inquires I had nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1200.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1200.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I was alerted by my credit monitoring system that my credit score decreased significantly and I had 12 missed payments. I immediately looked at my report and saw Navient my Student loan servicer reported my accounts were 90 days past due. I am on a income repayment plan and my payments have been zero each month. When I called Navient in XX/XX/XXXX, they stated I failed to renew my income repayment plan I never received anything from them stating I was up for renewal. Navient stated they emailed me as that was my preferred method of contact. I told them no I updated my mailing address which you have on file the email address is no longer able to receive emails. I was told I had to ask for a forbearance if not my account would continue to report negative to the credit bureau while I renewed my income based repayment plan, so I did. I disputed being 90 day late on my 12 student loans with all three Credit bureaus, however each time Navient reports back they have stated my balance increased by ( as example XXXX on one loan, XXXX on another ) etc. With the payment rating still showing late. They capitalized on interest loans from when I graduated XX/XX/XXXX until now have XXXX in interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affiliates Management Company
State: TX

Complaint narrative:
This is in regards to XXXX and not the issuing bank of the credit card. 

Back in XX/XX/XXXX I purchased a vacation package to XXXX fro {$1500.00} to fly in XX/XX/XXXX ; however, COVID-19 forced me to cancel it. I immediately tried to call them but after being on hold for 2 phones to get an agent the line would disconnect or you couldn't even get through at all. I tried this for the next two weeks to get in touch with them. After a month ( XX/XX/XXXX ) of trying to get in touch with XXXX I filed a dispute with my bank in XXXX. They gave a temporary credit for the amount while the dispute process went back through. Since that time they stated that given XXXX 's requirements the dispute had to be closed and the amount was charged back to my account and to work with XXXX to get my money back. So I have now been back in touch with XXXX and they agreed to credit back a portion of the amount back to my card. I have confirmation email from an agent showing the amount they will credit back to my card but then when it gets to their back-end processing agent I get emails saying that they will not do a refund because I have filed a dispute. I have provided them screen shots and verification from my bank that my card has been credited back the amount of the full purchase price and there has not been a refund applied to the card. They continue to say " have you spoken to your bank '' and I have spoken to my bank ( XXXX XXXX XXXX XXXX in XXXX XXXX, SC ) who then called their processing agent and no one can find this supposed credit they said they gave me and I clearly was charged the full amount of the dispute back. I am still trying to get the money back for the amount they have process and this has been taking over 2 months. 

I have called and been left on hold for over 1.5 hours after getting an agent then who came off of hold to play with their child for a bit before realizing that I was no longer on hold and then put my back on hold. After that I went back online to talk with their agents who either confirmed I will get the prorated portion back ( around {$1000.00} dollars ) but then get an email saying I won't because of the dispute or that they have said they already issued the refund back to me for one of the three charges. 

They are refusing to provide any confirmation numbers of the date of times of when they issued the credit and are trying to place the blame on my bank. XXXX already has had a class action lawsuit against them due to their lack of providing refunds and I fear they are back to their old ways again. I can provide y'all with any confirmation statements, emails, screen shots of messages between me and XXXX that you need to help escalate this further. I have attached a zip file to show the most recent communication with XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-25 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: CA

Complaint narrative:
I have attempted to get several items corrected on my Experian credit report. Experian continually reports it as verified as accurate even though they can not disclose how they investigated the items. Experian is now refusing to allow me to dispute these items even though they are factually incorrect and tell me " You have previously disputed this item. We are not required to process a duplicative dispute. '' If the item is still incorrect I will still try to get it fixed regardless of its a duplicate dispute, you should not be forced to have items on your report that are factually incorrect. I have submitted a 4th round of disputes on XX/XX/2020 on their webiste for XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX and 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 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I previously filed a complaint against Transunion for failure to fully investigate my complaint, Transunion response was that they reinvestigated and updated my file based upon the reinvestigation, and they provided documentation to reflect their response, however my credit score remained the same.

It appeared that Transunion removed the derogatory information from my file, however whenever I check my credit score, it states that my credit score is reflective of 2 late payments, the same late payments that should have been removed from my credit file.

Transunion appeared to remove the late payments from my credit report, however they are still using the late payments to determine my credit score.

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 2020-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After receiving emails from the bank for COVID-19 relief on my auto loan account, I requested the relief but continued getting collection calls. I sent them an email and referenced the relief request, I was told to call. I called again and requested the relief and thought all were fine. But, again, i started to receive calls and noticed late payments on my credit report. I contacted the bank ans asked why I was still getting calls and reported late payment but, instead of answering my questions, the representative hung up the phone. I was only 7 day past due on my account buy still receiving almost daily collection calls even though there was a relief.

I tried to close the account but they wouldn't let me close the account either. This bank is a crook.

This negative reporting has dropped my credit score significantly that the Department of Education has denied my child 's parent Plus Loan.

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 2020-05-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After receiving emails from the bank for COVID-19 relief on my auto loan account, I requested the relief but continued getting collection calls. I sent them an email and referenced the relief request, I was told to call. I called again and requested the relief and thought all were fine. But, again, i started to receive calls and noticed late payments on my credit report. I contacted the bank ans asked why I was still getting calls and reported late payment but, instead of answering my questions, the representative hung up the phone. I was only 7 day past due on my account buy still receiving almost daily collection calls even though there was a relief.

I tried to close the account but they wouldn't let me close the account either. This bank is a crook.

This negative reporting has dropped my credit score significantly that the Department of Education has denied my child 's parent Plus Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After receiving emails from the bank for COVID-19 relief on my auto loan account, I requested the relief but continued getting collection calls. I sent them an email and referenced the relief request, I was told to call. I called again and requested the relief and thought all were fine. But, again, i started to receive calls and noticed late payments on my credit report. I contacted the bank ans asked why I was still getting calls and reported late payment but, instead of answering my questions, the representative hung up the phone. I was only 7 day past due on my account buy still receiving almost daily collection calls even though there was a relief.

I tried to close the account but they wouldn't let me close the account either. This bank is a crook.

This negative reporting has dropped my credit score significantly that the Department of Education has denied my child 's parent Plus Loan.

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 2020-05-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXXUnder Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: Avant Credit Corporation
State: TX

Complaint narrative:
I have been making on-time payments to Avant since XX/XX/XXXX through auto pay from checking account. 
When COVID-19 affected me in XX/XX/XXXX, I requested Avant to stop auto-pay since I was severely affected but Avant still tried to process and take money form my bank account which did not have any money in it. I again contacted Avant and requested for a relief that was granted but Avant still reported late payment to credit reporting agencies. I contacted Avant and asked why they reported late payment to agencies, the rep said it was not reported late which was a lie. My credit score dropped by 72 points and my Department of Educations ' Parent Plus Loan was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: IA

Complaint narrative:
I am reporting a fraud on my government Credit Card. I had my account hacked into on XX/XX/20 for 6 different cash withdrawals totaling {$530.00}. I made a dispute to Direct Express company regarding my fraud on my card. They took the information from me and said they will do a investigation now it's almost a month since this has happened and they act like they don't care and it's very hard to reach customer service took me to XXXX I also made a Police Report and told me it was fraud and told me contact DE again I did and they are dragging their feet and don't care, Please help me get my money back. Thank You so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25 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 made an agreement with collection agency to pay {$350.00} of {$770.00} balance, and account would be removed, however {$350.00} has been paid and account is still showing on all three credit reports.

Company response to consumer: Closed with explanation