vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX keep updating payment history to extend time the account remain on the credit file. Last payment was made XX/XX/XXXX.. There reporting two payments on XXXX and XX/XX/XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.

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 2017-08-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX keep updating payment history to extend time the account remain on the credit file. Last payment was made XX/XX/XXXX.. There reporting two payments on XX/XX/XXXX and XX/XX/XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: TX

Complaint narrative:
XXXX XXXX XXXX keep updating payment history to extend time the account remain on the credit file. Last payment was made XX/XX/XXXX.. There reporting two payments on XX/XX/XXXX and XX/XX/XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.

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 2017-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
This is second complaint relating to XXXX XXXX XXXX XXXX and Third Party Attmepting to repossess my car after arrangements were made. The Third Party is continually breaking peace laws. On XX/XX/XXXX, Nissan called me to make a XXXX XXXX payment. I was seeking legal advice. The XXXX was in the garage. I called Texas OCCC, FTC, and CPRB Around XXXX a XXXX Truck parks in front of my yard. From XXXX to XXXX a XXXX truck with dark tint went back and forth. I waived the XXXX truck off stating that the car is in garage. Around XXXX I was fearful that the person in truck will come in my garage. My children age XXXX and XXXX were scared. Around XXXX my daughter puts a stick and chair to the door due to her fear. Around XXXX I called the police due to my children were in fear and couldnt go to sleep. XXXX Police pulled over the XXXX truck after several calls were called in. XXXX pm the XXXX truck is pacing in front of the home with screeching tires. I became fearful. XXXX there was taping at my window. My children were crying. I was afraid to call the Police out. Around XXXX the XXXX truck stop speeding by. Nissan and The Third-Party Recovery Service has violated the following TDCA ACT : On XX/XX/XXXX The XXXX truck rolls up and down the street. Speeding again. Neighbors come out. Around XXXX XXXX The XXXX Truck with a fleet of 3 calls. Someone yells out get a job in my yard. I went outside and they speed off. My XXXX year old and neighbors across the street heard This breaking Consumer Rights Acts. My child and I are afraid. I sent a notice to Nissan to sue due to breaking my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I got two emails from Coinbase on XX/XX/XXXX telling me that my two wire transfers, {$4000.00} & {$5300.00}, have been rejected because of a name mismatch ( my wife, XXXX XXXX, was the sender ) and so were sent back to the bank. But I looked at the bank account and personally called the bank to confirm. Coinbase did not wire funds back to the bank. I have repeatedly tried contacting Coinbase via XXXX, email, and phone without success. This wire transfer reversal should not take this long. What 's even worse is that the Coinbase website states that a wire transfer will only take one business day which is completely dishonest and  misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On X/XX/17 I noticed an item was placed on my credit profile for a medical bill that was never brought to my attention. XXXX ( {$750.00} ) I was never sent a bill, never was notified that I owed this money. As per my report it states it was a bill from X/XX/17 in which I did n't even visit the hosipital at that time. I want this item removed from my report as I have no Knowledge of the account nor was I even notified that this was being inserted onto my credit. I opened a Credit dispute on this issue with Transunion X/XX/17. I am awaiting the results.

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 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I noticed an item was placed on my credit profile for a medical bill that was never brought to my attention. XXXX ( {$750.00} ) I was never sent a bill, never was notified that I owed this money. As per my report it states it was a bill from XX/XX/XXXX in which I did n't even visit the hosipital at that time. I want this item removed from my report as I have no Knowledge of the account nor was I even notified that this was being inserted onto my credit.
I opened a Credit dispute on this issue with XXXX XX/XX/XXXX. I am awaiting the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went to credit reporting site to receive my free annual credit report. To verify my identity and get my report I had to enter credit card info. Now company is billing me {$21.00} a month for this unauthorized service. They charged me four months worth of fees before i discovered charges. Now they will not return these fraudulent charges. These companies are using deceptive practices to get your credit card information then claim you ordered services.

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 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: AR

Complaint narrative:
There were two unauthorized transaction at two different XXXX that I did not make or authorize in the amount of XXXX total transaction my tax return money was direct deposit onto NetSpend XXXX XXXX prepaid debit card. And the money was withdrawn off the card. I filed a dispute on XXXX XXXX, 2017 with NetSpend to credit me my money back to my account.They have yet to honor my dispute. The reason being 60 days late reporting the unauthorize transaction.

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 2017-08-18 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: GA

Complaint narrative:
I have sent several letters/disputes to XXXX XXXX, Experian, and XXXX about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : 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 non-monetary relief
Consumer complaint received 2017-08-18 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: TX

Complaint narrative:
On or around XX/XX/XXXX of last year, I noticed that the total balance the consolidated loan had increased substantially. As I remember, I did make a call at the time and was not given a response in a understandable manor or there than the account information and terms were correct for the balance. Still the balance of payoff had changed. recently, I have filed a complaint with the CFPB noting that over the course of 10 years I have paid over 40k and still owed XXXX on the loan I have been paining over the month payment requirements. Today, I received an email saying that there were documents were sent to me from Navient on the Navient website. With some difficulty, I was able to find where the documents were and opened them. to my dismay there was 2 documents that were there dated from XX/XX/XXXX of last year. I never received copies of these documents in my email or in the mail. basically they said that due to the fact that my loans that where consolidated had different closing dates and that they had to be the same by federal law. It also stated that they " Navient '' was extending the loan term to the maximum amount allowed by law. I did not consent to this change nor was I informed of this process to object to it. This allowed Navient to basically steal 10 years of payments received on the account. This also in basic terms reset the loan length to accrue more payment and interest that they could have attained by any other process. This is dishonest and deceptive practice as well as fraud. this adds to the fact that the loans were consolidated without my consent. As the documents that they sent to me for the consolidation of the loan was an electronic signature and I did not consent to the consolidation. That being said, changing the length of a loan term without informing me of the issue or receiving my approval by the normal means of communication was a subversive attempt and deception on the part of Navient to lock a loan in for a much greater time frame and payment. This also increased the interest generated per month on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was working with Webster bank on securing a mortgage loan. I locked in a rate of 3.75 % on XXXX XXXX, XXXX. Throughout the process, we tried a few different loan options, and ended up with a conforming loan for XXXX, and a separate HELOC loan for the remaining amount. Closing was set for XXXX XXXX, XXXX. I was sent a disclosure on XXXX XXXX, XXXX for the conforming loan, with the rate changed to 3.875 %. I brought this difference up with the bank, and they claimed the rate was slightly changed due to the different loan options. At .125 % difference, I decided to drop the issue. On XXXX XXXX, XXXX, 2 business days before closing, I received a closing disclosure for the side loan, with an interest rate of 5.42 %. This was a complete surprise. The last minute change gave me no time to rectify the issue, and I was forced to close with an interest rate that was not agreed upon and not disclosed ahead of time. I have tried to talk to the bank, but they insist that the loan lock did not apply due to different options, and that the disclosure did not need to happen for a different rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received a loan from Care Credit ( Synchrony Bank ) to pay for dental work. I was told there was 12 months interest free. I was provided a " minimum payment amount ''. I believed the minimum payment amount would satisfy the loan during the interest free period. Turns out that was not the case and at the end of 12 months, there was a small balance remaining however interest was applied to the original balance, compounded over the full year and added to the account in a lump sum which almost doubled the amount that was due. This practice is misleading, deceptive and abusive to say the least. Had I been told what the minimum payment amount was to avoid the interest, I would have been satisfied. The purposefully provide a minimum amount which will leave a balance so they can tag you with extra interest charges. If interest was applied to the remaining principle amount after the 12 months and going forward, I would understand but their business practice is designed to gouge people for extra costs and fees. I tried to resolve and was told there was nothing they could or would do for me.

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 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
I have amazing credit. One day my score dropped and I went to see why. XXXX XXXX had a collections for {$70.00} on my report. I have n't had a cable account in a few years. This is Money I was never asked to pay and do n't believe that I owe. I told the collections company and wrote a letter to dispute and it was removed. Now it is appearing again through Stellar Recovery Inc. I disputed with them and opened a case with the BBB ( Finalized XX/XX/XXXX ) They said they would send verification of debt but I never received. Not to mention, you can show me a bill all you want. I ALREADY SAID THIS IS NOT SOMETHING I WAS AWARE OF! How can I pay a bill i did n't see until it was on my credit report? Furthermore, the date of collections on my report is WRONG. It shows the day that Stellar acquired the collection NOT the orig. date. This is not legal and should be REMOVED FROM MY REPORT DUE TO ILLEGAL PRACTICES. This is stright from XXXX : " Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the seven year time frame does not start over when an account is sold or transferred to a another lender or collection agency. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked for all 3 bureaus to do thorough investigations of the items that are reporting on my files and they are n't doing what they 're supposed to. I should not have to fill out what is incorrect and send it over to them because I have requested investigations of my entire reports. I just checked my recent reports and now see that an old account that was already disputed and deleted is being allowed to repark on my report as a new account being reported. The name of the company doing this is XXXX and I am aware of my rights that agencies nor bureaus are allowed to park old accounts on your reports. This is my 3rd time asking for a thorough investigation to be done on my credit reports and if this is not done I am prepared to seek legal action against the bureaus as well as the agencies reporting inaccurate information on my reports without any legal and binding contracts.

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 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked for all 3 bureaus to do thorough investigations of the items that are reporting on my files and they are n't doing what they 're supposed to. I should not have to fill out what is incorrect and send it over to them because I have requested investigations of my entire reports. I just checked my recent reports and now see that an old account that was already disputed and deleted is being allowed to repark on my report as a new account being reported. The name of the company doing this is XXXX and I am aware of my rights that agencies nor bureaus are allowed to park old accounts on your reports. This is my 3rd time asking for a thorough investigation to be done on my credit reports and if this is not done I am prepared to seek legal action against the bureaus as well as the agencies reporting inaccurate information on my reports without any legal and binding contracts.

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 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc.
State: LA

Complaint narrative:
SEVERAL YEARS AGO I RESPONDED TO A PROMOTION BY PHONE CONCERNING, HIGH SPEED INTERNET WIRELESS GATEWAY. THE SALESMAN EXPLAINED THAT MY CREDIT CARD ID WAS REQUIRED FOR THEM TO SEND ADD'T INFO ON THE PRODUCT. I SHOULD HAVE KNOW BETTER, BUT THIS WAS XXXX XXXX XXXX. THIS PREDATORY PRACTICE SURPRISED ME. I PHONED IMMEDIATELY WHEN I RECEIVED A BOX OF INSTALLATION PARTS. I CALLED AND VOICED MY DISAPPROVAL OF THE METHOD OF SELLING THEIR SERVICE. I DID NOT WANT THE SYSTEM AND I TOLD THEM SO.

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 2017-08-18 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: NJ

Complaint narrative:
The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my discharged bankruptcy

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 2017-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX, my son, XXXX deposited little over {$2000.00} at Bank of America ATM located on XXXX XXXX XXXX XXXX Maryland XXXX. ATM machine got jammed and ate up the money. ATM machine turned off by itself and restarted afterward. ATM did n't give any receipt. I, XXXX XXXX, contacted the number listed on the ATM and talked to several representative before they reimburse me {$2000.00} only. At first, they gave me {$20.00} credit but later gave me {$1900.00} more after two hours of dispute. Because of this incident, Bank of America closed our bank account after 20 years of business on XXXX XXXX, XXXX. They did n't want to tell us why they closed the account and they keep on telling me that they are not obligated to tell us. Today, XXXX XXXX, XXXX, I received a letter from Bank of America. They will be debiting my closed account {$1900.00} because they did n't locate any additional cash from XXXX XXXX transaction. I attempted several times to reach Bank of America 's claims and security department to view the ATM camera for XXXX XXXX. They said I have to get a subpoena using a lawyer for them to respond. I went to branch manger for help with this matter to no avail. Price of lawyer is more than {$2000.00}. I have exhausted all the options and I 'm in dire need of your help. Thank you

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 2017-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent several letters/disputes to Trans Union, XXXX, and XXXX about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : 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