vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-30 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: COAST PROFESSIONAL, INC.
State: GA

Complaint narrative:
Coast professional via phone set up a series of XXXX payments of XXXX monthly for a delinquent federal loan as a representative of the dept of education. After the XXXX payment they have continued to demand mandatory official proof of my monthly salary via my workplace HR and all paperwork showing other financial aid payments as well. Given this demand as I had yet to provide it they said I could not be in their repayment program. ( I TAKE IT THIS MEANS A MUCH LONGER OR NO TURNOVER TO THE DEPT OF EDUCATION? ). 

I have asked twice for a written copy of this " policy '' and was denied as they supposedly ca n't send the contract out to me without knowing essentially my official gross bank incoming and outgoing cash. Her responses made no logical sense so my red flags went up. ( they also asked me details of my monthly spending - a backdoor approach to knowing my bank account ). I 'm still not sure why this is the case, but no debt XXXX prior to this have demanded this mandatory portion of the arrangement. 
Questions : XXXX. Is this official paperwork mandatory for me to supply to secure my loans being sent back to the dept of education? 
XXXX. If this is not mandatory, the agreed on amount and XXXX payments duration - is this legal to hold me in limbo past this agreed on time period? 


XXXX. In addendum to this not associated with this debt collector, is it legal and mandatory once a payment has been established to tack on administrative fees or a penalty fee beyond the agreed sum?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I DISPUTED THIS ACCOUNT AND ASKED FOR VERIFICATION THAT THIS IS MY ACCOUNT AND HAVE NOT BEEN PROVIDED WITH PROPER VERIFICATION THE AMOUNT IS SHOWING {$330.00}. THE DIVERSIFIED ACCOUNT IS REPORTING ON MY REPORT XXXX DIFFERENT AMOUNTS XXXX AND XXXX ON DIFFERENT CREDIT BUREAU 'S THE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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 — Problem with personal statement of dispute
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I DISPUTED THIS ACCOUNT AND ASKED FOR VERIFICATION THAT THIS IS MY ACCOUNT AND HAVE NOT BEEN PROVIDED WITH PROPER VERIFICATION THE AMOUNT IS SHOWING {$330.00}. THE DIVERSIFIED ACCOUNT IS REPORTING ON MY REPORT TWO DIFFERENT AMOUNTS XXXX AND XXXX ON DIFFERENT CREDIT BUREAU 'S THE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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 XXXX/XXXX/2017 I submitted Equifax a letter asking them to correct and update to the following address and to this day they have yet to respond ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was charge XXXX for and a purchase from XXXX i did not authorize and someone stole my card and did this transaction on my TD Bank checking account please help me resolve this issue my money was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: NJ

Complaint narrative:
there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section XXXX within 30 days. This was n't done and section XXXX states that the accounts can not report without this. These accounts must be deleted. 

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section XXXX so why are they still on my credit report?! 

Here are a few examples : Experian is reporting different open dates than the other XXXX bureaus XXXX  is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all XXXX bureaus XXXX and XXXX is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section 623 within 30 days. This was n't done and section 623 states that the accounts can not report without this. These accounts must be deleted. 

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section 1681 so why are they still on my credit report?! 

Here are a few examples : XXXX is reporting different open dates than the other 2 bureaus TransUnion is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all 3 bureaus XXXX and TransUnion is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section 623 within 30 days. This was n't done and section 623 states that the accounts can not report without this. These accounts must be deleted.

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section 1681 so why are they still on my credit report?!

Here are a few examples : XXXX is reporting different open dates than the other 2 bureaus XXXX is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all 3 bureaus Equifax and TransUnion is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: First Data Corporation
State: CA

Complaint narrative:
I have an XXXX XXXX XXXX with XXXX XXXX. I have tried to access my funds and use my card to make purchases which resulted in it getting declined every time. I have no access to my funds and have tried to access the app that I use daily and it does n't work, I have also tried calling customer service and have not been able to get through in reaching someone to resolve the issue. It is very frustrating knowing I have money in my account that I need and do n't have any access to not knowing why. Please resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
Have called XXXX countless times to attempt to fix their incorrect calculation of my PSLF payments. In addition to a bogus counting system and inconsistencies they also have miscalculated my paperwork several times when competing my annual renewal and failed to correctly add my wifes payment/info. Due to their wrong calculation I made over payments for months until I found. It and forced them to have upper management look at it and recalculate without a sorry or reimbursmemt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
capital one is now chargin late fees, interest, and its all because they " '' assumed '' '' there was fraud activity on this account after a purchase was made by cardholder, we have sent everything they wanted and because the bank does not verify their clients accounts over the phone capital one still refuses to accept all the information that was sent to them more than once. a full payment was made to this account on XX/XX/XXXX bank can verify that. capital refused payment due to their " '' assumptions '' '' of fraud activity, as of today XX/XX/XXXX XXXX XXXX has added late fees, interest, and is reporting late payments to credit bureaus. the balance of XXXX was attempted to be paid like I said on XX/XX/XXXX. and the bank can and will verify this in writing. capital one needs to be investigated themselves, asking for a customers full bankin  account information is personal and private, but they demanded they have it to prove identity so it was sent to them, also many many many messages were left for XXXX XXXX to return the call which to this date still never has. theres also proof of multiple messages left for XXXX XXXX. now cfpb closed our last complaint without resolving the issue, you said your on our side on your website but its lookin as if your on the creditors side. please resolve this issue, please. how many times will I have to keep filing complaints before this gets resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent the below letter to Experian. My report now reflects the bankruptcy as updated but this is not the case at all. Several credit items stated included in bankruptcy, but this is not the case. These items should all be removed. To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, voluntarily dismissed or adjudicated for XXXX years, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to bankruptcy about dismissals. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section XXXX does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. Experian continues with the erroneous misinterpretation of said guidelines. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I also reported this to the XXXX XXXX XXXX and yet to receive a response from Experian. The bankruptcy was involuntarily dismissed. 

Furthermore, the information in regards to the bankruptcy on my record is incorrect. I requested proof of the findings of their investigation. I also have disputed this several times, and yet to receive any information regarding their findings including proof of such findings and also have been given the run-around. They claim that all voluntarily dismissed bankruptcies are to remain on the credit report, but this was involuntarily dismissed, so based on the information I received by Experian, this should be removed, correct? I was not given any additional information on this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent the below letter to Transunion. 

To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, voluntarily dismissed or adjudicated for XXXX years, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to bankruptcy about dismissals. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section XXXX does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. Transunion continues with the erroneous misinterpretation of said guidelines. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I also reported this to the XXXX XXXX XXXX and yet to receive a response from Transunion. The bankruptcy was involuntarily dismissed. 

Furthermore, the information in regards to the bankruptcy on my record is incorrect. I requested proof of the findings of their investigation. I also have disputed this several times, and yet to receive any information regarding their findings including proof of such findings and also have been given the run-around. They claim that all voluntarily dismissed bankruptcies are to remain on the credit report, but this was involuntarily dismissed, so based on the information I received by Transunion, this should be removed, correct? I was not given any additional information on this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit
State: CA

Complaint narrative:
I was promised verbally, bc VW refused to agree in writing, that I would be able to reinstate my lease after payment. They did not honor that promise. My car was then repossessed on XXXX/XXXX/XXXX & the vehicle contained my work equipment etc. When I went to retrieve my belongings, I was told I had to pay {$150.00} to retrieve them, which I had to pay, in cash. Some belongings were also not listed & missing from inventory list. I was told by the repo company that this was VW policy & the law. I contacted VW, who  never responded. Then on XXXX/XXXX/XXXX I received a letter from VW credit that I owe XXXX, there was no detail breakdown included, & I was told that I would owe the remaining payments, along with repo fees etc. My remaining payments were possibly 6 payments, I ca n't get a hold of anyone who will talk to me about my lease, so I do n't have the exact information. My payments were approximately {$570.00}, so I am not sure why I owe so much. I believe my rights were violated by VW financial. Now they are threatening collection activity and have not responded to my written objection dated XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX I called PNC bank credit card services to have PNC remove a late charge. My credit card payment is always due on the XXXX of every month and I paid {$100.00} on XXXX XXXX to PNC through my financial institution online bill pay. PNC decided to post my payment on the XXXX, which cause a late fee of {$25.00}. PNC refused to remove the late charge because of a removal of a previous late charge in XXXX of XXXX. I escalated the issue to PNC escalation team because the supervisor from XXXX XXXX XXXX refused to remove it. XXXX advised me to send a letter about my issue and stated the late fee is valid even though I explained my bank took my {$100.00} on XXXX XXXX, but PNC decided to post my payment on the XXXX. I do not make late payments constantly and I did make my payment before the due date, yet PNC is refusing to remove a late charge that is not valid. This was the worst customer service experience and I have been with PNC for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
This is a complaint against Toyota Motor leasing. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Every month I pay my credit cards off before it 's time for the company to report to the credit agencies, and for the past three months my capital one credit card has not updated, which is drastically hurting my fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This is a complaint against Barclays Bank delaware. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in 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
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is a complaint against American Express. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Company response to consumer: Closed with explanation