vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX ] Account Name : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX ] Account Name : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: GA

Complaint narrative:
I have an account with a company which is XXXX XXXX and my wife have one well they have her account on my report. 
Creditor : XXXX XXXX Amount : XXXX account # XXXX I sent a dispute letting them know the XXXX XXXX XXXX  XXXX account XXXX is a fraudulent account in the amount of XXXX its been 2 months but haven't been taken off the report. The same company XXXX XXXX XXXX  XXXX has two accounts on there the other is XXXX in the amount of XXXX this has been embarrassing to say the least I pay my bills on time and are being penalize by this breach in security. 
Also there is unauthorized inquiries that is causing my score to suffer greatly. 
XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My XXXX XXXX XXXX credit card was use I try many times to file a dispute with my bank and my claim got denied. I have filed police report XXXX and I was not aware of the charges made on my XXXX credit card and I did not authorize the purchase on my account. I also have 8 hard inquiries that Im unaware of as well and I have no knowledge of the information use to untainted credit use of my personal information. I am requesting that all 8 hard inquiries be removed from my credit report for all 3 credit bureaus 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 2018-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I called Citibank executive office and asked for XXXX and a guy named XXXX XXXX laughed at me and made more Deragotory comments after my initial complaint about racial discrimination. That call took place XX/XX/XXXX at XXXX and there is a screenshot attached. Futhermore the vehicle is now damaged from the leaking and has also ruined my garage. Here are 3 videos you can download files to large to attach. The video can be downloaded for free as a guest at this links - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: GA

Complaint narrative:
I have an account with a company which is XXXX XXXX and my wife have one well they have her account on my report.

Creditor : Ally Financial Amount : XXXX account # XXXX I sent a dispute letting them know the XXXX XXXX XXXX    XXXX account XXXX is a fraudulent account in the amount of XXXX its been 2 months but haven't been taken off the report. The same company XXXX XXXX XXXX XXXX has two accounts on there the other is XXXX in the amount of XXXX this has been embarrassing to say the least I pay my bills on time and are being penalize by this breach in security. 
Also there is unauthorized inquiries that is causing my score to suffer greatly. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: GA

Complaint narrative:
I have an account with a company which is XXXX XXXX and my wife have one well they have her account on my report. 
Creditor : Ally Financial Amount : XXXX account # XXXX I sent a dispute letting them know the XXXX XXXX XXXX XXXX account XXXX is a fraudulent account in the amount of XXXX its been 2 months but haven't been taken off the report. The same company XXXX XXXX XXXX XXXX has two accounts on there the other is XXXX in the amount of XXXX this has been embarrassing to say the least I pay my bills on time and are being penalize by this breach in security. 
Also there is unauthorized inquiries that is causing my score to suffer greatly. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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 — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I am in the middle of qualifying for a mortgage and XXXX & XXXX has me as deceased. I am being told that it is due to XXXX XXXX XXXX ( Zales & XXXX ) accounts has reported me as deceased. I call XXXX XXXX XXXX, spoke to a XXXX XXXX ( nasty attitude )  explain my issue and she showed no remorse and told me the fix will take 30 days. I explained that I was trying to secure a mortgage and lock in a rate and she seemed to just not care. She eventually told me they have made a mistake and she is fixing it. I tried to explain that I needed the correct info sent to both credit bureaus and she said she was sending " the forms '' .. Well that did not happen. In following up with the credit bureaus ( XXXX & XXXX the are still saying that the dispute has not been responded too. I am going to loose my home and my credit history is being destroyed by XXXX XXXX XXXX for I have no clue how they can report me as DEAD!! 

I am requesting your help into this matter. I need them to expedite fixing this problem before I loose out on securing a mortgage and locking in a low interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: PA

Complaint narrative:
A medical bill was incorrectly submitted by a medical provider. In return, the medical insurance company twice processed the medical bill incorrectly. This resulted in the medical bill not being paid. I contacted the medical provider and the insurance company from XX/XX/XXXX to XX/XX/XXXX regarding this medical bill. On XX/XX/XXXX I was told by the Medical company that they notified the credit bureau to have the account removed. I talked with the insurance company who agreed to process the claim, however, indicated that it would take another 3 weeks before being resolved. On XX/XX/XXXX, the debt still had not been removed from my credit report. I contacted Transunion numerous times. On XX/XX/XXXX I disputed the debt verbally. Because the representative could not understand or refused to understand English, I attempted to dispute the debt online. The website was not functioning properly and I could not dispute the debt. I tried to fax proof that the insurance paid the debt and to send a letter from the creditor showing that the debt was to be removed. I found out later that Transunion fax machines had issues. I contacted the credit agency and later found out that they did not notify Transunion until XX/XX/XXXX as opposed to XX/XX/XXXX. Finally, I was able to fax successfully to TransUnion. As of XX/XX/XXXX,  the debt remains on my credit report. My credit line from XXXX was reduced as a result of this debt.

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 2018-06-15 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: Collection Service Center, Inc.
State: PA

Complaint narrative:
A medical bill was incorrectly submitted by a medical provider. In return, the medical insurance company twice processed the medical bill incorrectly. This resulted in the medical bill not being paid. I contacted the medical provider and the insurance company from XX/XX/XXXX to XX/XX/XXXX regarding this medical bill. On XX/XX/XXXX I was told by the Medical company that they notified the credit bureau to have the account removed. I talked with the insurance company who agreed to process the claim, however, indicated that it would take another 3 weeks before being resolved. On XX/XX/XXXX, the debt still had not been removed from my credit report. I contacted XXXX numerous times. On XX/XX/XXXX I disputed the debt verbally. Because the representative could not understand or refused to understand English, I attempted to dispute the debt online. The website was not functioning properly and I could not dispute the debt. I tried to fax proof that the insurance paid the debt and to send a letter from the creditor showing that the debt was to be removed. I found out later that XXXX fax machines had issues. I contacted the credit agency and later found out that they did not notify XXXX until XX/XX/XXXX as opposed to XX/XX/XXXX. Finally, I was able to fax successfully to XXXX. As of XX/XX/XXXX, the debt remains on my credit report. My credit line from XXXX was reduced as a result of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC.
State: AZ

Complaint narrative:
I have an auto loan with Tidewater Finance Company. My scheduled payment is {$490.00} a month. 

I pay {$150.00} weekly from my bank account using my bill pay feature. 

Payments are always sent on Monday ( unless a holiday ) and received on Friday. Tidewater used to post them on Saturday or Monday to my balance. 

This was until my last 3 payments which were not posted until I questioned it. This is allowing additional interest to accrue on the account as they dont go back and ost on the date received.

My last payment has not posted at all even though they received it a week ago and when contacted all they will tell me is my account is under review by management

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
This is a copy of an email I sent to the servicer this morning XX/XX/XXXX : Good Morning, I am having a hard time understanding your practices when it comes to loan servicing. Information relayed between representatives to myself was not clear and concise. 

I changed my payment plan to be to a Graduated Repayment Plan on XX/XX/XXXX, notice of approval on XX/XX/XXXX with payment schedule attached. When I did this I was not told I was still under the umbrella of an IBR ( today was told this XX/XX/XXXX ) from XX/XX/XXXX. I was told that a part of my loans were out of deferment time, and payment would begin on XX/XX/XXXX. I was sent a letter saying my in-school deferment was approved ( XX/XX/XXXX ) and this was Moring was notified that my loan payments under IBR was increasing and my payment was due on XX/XX/XXXX to {$430.00}. Still nothing that there is a payment due on XX/XX/XXXX. 

I want to know, how, with all the letters stating my payment are staring on XX/XX/XXXX, I have a payment past due on XX/XX/XXXX, the I was NEVER informed of. Then to have the representative tell me I need to have a forbearance to have this payment put on hold. I declined the forbearance because I should not have to do one when there shouldnt be a past due balance to begin with. The representative told me it will be corrected in the back office, with an advised date of XX/XX/XXXX, however, my payment will still show delinquent, until it is fixed from the back office. Then in XX/XX/XXXX I can resume my XX/XX/XXXX payment on the Graduated Extended Repayment Plan. The representative kept reiterating that they are two days past due, and no late charges or credit reporting has been done. This does nothing for me because there should not have been a payment due. 

I should not have had to go through this in the first place. This was ridiculous and an inconvenience. This needs to be fix ASAP. There is a disconnect in information and how it is processed. I have attached the e-correspondence pertaining to this situation. 

I look forward to your replay as to why this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX is blocking XXXX from accessing my CapitalOne account. So, effectively, pushing me to use other banks. XXXX is a legitimate financial institution with all appropriate permits and licenses. It is NOT a CapitalOne360 business how I use MY money, as long as it's lawful. Please stop CapitalOne360 discriminating millions of customers!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Accounts Management, Inc
State: SD

Complaint narrative:
They contacted my work on my day off, XX/XX/2018 in an attempt to collect an old medical debt from XXXXXXXX XXXX XXXX out of XXXX XXXX SD. They posed as someone that needed to get ahold of me and left a message with my supervisor at the XXXX South Dakota XXXX front desk ( XXXX ). They provided there number ( XXXX ) and a name XXXX and told my supervisor to call as soon as I could. I do not know how they got where I work since I do not post it anywhere online. My employer does not approve of solitication per company policy and do not approve of them calling. I called to tell them and they claimed they didnt even know where I work and that they didnt have a number after harrassing me for my social security number and other personal information. Im very distraught over the way they somehow figured out my employer, called them, and then obviously lied to me when I contacted them about it. I would also want to make sure they do not call my other employer XXXX XXXX in XXXX, SD ( XXXX ). They are Accounts Management Inc out of XXXX XXXX SD.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/2018 along with a notary proving I am the person sending this letter through USPS certified mail. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. I on XX/XX/2018, I received a letter stating the results of dispute investigation. Instead of providing the requested information, Experian opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE DISPUTE CLAIM DID EXPERIAN SEND TO THE FURNISHERS? No dispute should have been made. If I did dispute, it would be with Experian for being Non-Compliant with the FCRA.

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 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: ME

Complaint narrative:
I get paid on the XXXX and the last day of the month. Should the XXXX fall on a weekend I get paid the last business day before the XXXX. It slipped my mind that I was getting paid on the XXXX thinking Friday was the XXXX and scheduled my pay off on my credit card to come out for the XXXX of XXXX. I understand this was my error. I received an overdraft fee of {$27.00} on a {$35.00} payment that came out of my account one day prior to my pay day. I contacted Key to see about a courtesy as this was my fault but given my tenure of the account and only having a fee waived ( back in XXXX for honestly the SAME error ) they were not willing to waive my fee. I work for the XXXX XXXX at a XXXX  and am very disappointed with the interactions I had. They were not willing to budge one bit on waiving the fee. I understand policy but I do know it is not black and white. There are times you are able to " bend '' the policy and waive a fee or credit ones account in good will. The manager advised they treat all of their customers fairly and would not be removing this fee. I asked her if she could say that each and every customer with key has only ever had ONE fee removed on their account in a 12 month period and she stated she could confidently say yes. Lie. Straight lie. It is very upsetting and disappointing I am even having to take action this far over a {$27.00} fee. If this can not be removed I will be sure to share my experiences and consider closing my account. After over 4 years of service with key and only ever receiving two overdraft fees I am very upset they are not willing to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a Home Depot Credit Card thru Citi Bank inXX/XX/XXXX. I have only used this card once for a {$32.00} purchase. I had never received a statement or email about the account balance but did go on line in XX/XX/XXXXand pay the full amount due off. At the time I believed the payment had been made and I had a XXXX balance on the account. It seems that they had never collected the payment which I did not realize. I never received a statement from them and in XX/XX/XXXX I received an email saying the payment had never been made and that I now had a balance of {$130.00}. which included interest and late fees of 3 times the original purchase. I immediately called Citi Bank to discuss this issue and was treated very badly by several of their representatives. I was also asked if I would like them to take the money owed from my checking account that they already had that information in their records. Which proves that I did make the payment in XX/XX/XXXX or they would not have had that information. It was not my fault that they did not collect the money from my account. After discussing this they finally did remove one late fee and I made a payment of {$53.00} to bring the account current leaving what should have been a balance on the account of around {$42.00}. I received a statement finally in XX/XX/XXXX and they had added another late fee ( even thou we had discussed the amount owned and I had paid what they requested ) to the account bring the total owed of {$80.00}. I feel that I have been over charged in fees I have paid the original purchase off and now am being charged late fees on late fees. This seems to be a rip off in my opinion and Citi Bank is over charging consumers and has unfair billing practices. I will pay the {$42.00} on top of the payment I already made of {$53.00} because I can not prove that the payment was not originally made but am very upset over the additional XX/XX/XXXX late fee charge. In total I will have paid {$95.00} for a small charge of {$32.00} and will still owe an additional late fee of {$35.00}. Which I am sure next month I will receive another {$35.00} fee on top of that late fee charge. This has also affected my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation