vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 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: PA

Complaint narrative:
I graduated in XXXX with a BA in XXXX XXXX. After college I struggled for a few years to pay my student loans on time because I did not make enough money to cover the costs of my obligations and expenses. I turned my situation around by changing careers and have made regular monthly payments for over 10 years but my balance has barely moved and my estimated pay off date continues to change. 

I have XXXX loans totaling : The original balance on my first loan was {$26000.00} as of XX/XX/XXXX. Today the unpaid balance is {$24000.00} with an interest rate of XXXX. The original balance on my second loan was XXXX as of XX/XX/XXXX. Today the unpaid balance is XXXX with an interest rate of XXXX. Both of the above loans have estimated pay off schedules with a date of XXXX. What I do not understand is how each loan is reporting a 53 % pay off when the balance has not moved and the dates are estimated. I have tried several times in the past 5 years to call and ask questions about my loans and even requested copies of the note so I could better understand but no one seems to be able to assist me or offer alternative solutions for my pay off plan. 

In XXXX I sold my home and used the proceeds to pay off a larger private loan but I do not see as an option to pay off the remaining balance but I also do not see the balance moving so I am concerned my payments are not being applied accurately and no alternative options have been provided. I paid off a car with a higher interest rate in less time then I have paid my student loan. I need someone to help advocate for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX XXXX - partial account numbers XXXX and XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX  - partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 60 to 90 days past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  put a fraud alert on my file without my permission. Then they sent the alert to other credit bureaus. 

I tried to get them to take it off but they didn't have a contact number other than the one I used to what they claimed to call to take a freeze off or fraud. 

When you call the number you don't get a person only a machine asking you questions to verify or the machine hangs up on you. 

I answered the questions waiting to make a freeze selection that never happened and once it collects your information it tells you it just completed a fraud alert and that it would share that information with all the other credit bureaus. 
I called XXXX to find out if there was a freeze alert or fraud alert and could not get a straight answer from them. 

I called transunion and they have my file in some special handling department that I didn't authorize and when I found out about it in XXXX or XXXX When they could not tell me why. 

I told them to take my file out of that department after speaking to several managers and supervisors. They assured me my file was removed but I've contacted them several times and each time since XXXX to now my file is still in that specisl department.

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 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX put a fraud alert on my file without my permission. Then they sent the alert to other credit bureaus. 

I tried to get them to take it off but they didn't have a contact number other than the one I used to what they claimed to call to take a freeze off or fraud. 

When you call the number you don't get a person only a machine asking you questions to verify or the machine hangs up on you. 

I answered the questions waiting to make a freeze selection that never happened and once it collects your information it tells you it just completed a fraud alert and that it would share that information with all the other credit bureaus. 
I called Equifax to find out if there was a freeze alert or fraud alert and could not get a straight answer from them. 

I called XXXX and they have my file in some special handling department that I didn't authorize and when I found out about it in XX/XX/XXXX or XX/XX/XXXX When they could not tell me why. 

I told them to take my file out of that department after speaking to several managers and supervisors. They assured me my file was removed but I've contacted them several times and each time since XX/XX/XXXX to now my file is still in that specisl department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted this bureau several times regarding these unauthorized hard inquiries that are not mine.It has been well over 60 days and I have no received any response via phone or thru the mail. The customer service would not help in removing any of the negative inquiries reporting to my credit report. 

XXXX  XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX. 
XXXX Inquiry : XX/XX/XXXX.

XXXX Inquiry : XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/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 2019-03-26 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: FL

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-26 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: NM

Complaint narrative:
Hi, I am a victim of identity theft, and I am requesting that all of the information be removed or blocked immediately. The attached report from identitytheft.gov is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: FL

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-26 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:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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 two accounts listed with XXXX XXXX I was promised a delete of these two accounts according to the phone conversations upon paying these and in the letters attached one is for XXXX, I I believe the other is for the other account they said they would completely delete they did not they posted to XXXX balance and their letter didn't state that as I never owed them they bought this debt as I was on XXXX and paid as soon as I could. I need it it off my report as promised. it states this in the third paragraph that it will be deleted

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 2019-03-26 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 90 days past due on the XXXX  XXXX - partial account numbers XXXX and XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due.

This incorrect reporting is harming my credit score. It is impossible to be 60 to 90 days past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-26 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: LEXISNEXIS
State: OH

Complaint narrative:
I have requested they remove a bankruptcy if they can't verify. I have sent many letter requesting validation of this item. XX/XX/XXXX next XX/XX/XXXX again XX/XX/XXXX. There was also some letters sent XXXX also. Everytime they never send me info requested for validation, ALSO i have asked experian to remove this item if not verify. I know that experian has to verify with the original furnisher of the document. They are not allow to verify with a third party. This is stated in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I have received multiple phone calls from companies claiming to be representing loans serviced by XXXX XXXX. I did originally take out student loans from XXXX XXXX, but they were paid in full many years ago when I consolidated my loans, and those consolidated loans are also paid in full. In addition, XXXX XXXX hadn't serviced my loans for years when they were paid. These calls appear to me to be a scam so I have refused to answer any questions when they call. They always want me to tell them my birthdate which I refuse to do. The most recent call was supposedly from someone named XXXX XXXX at Radius Global Solutions, apparently located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX KS, XXXX. I really want these calls to stop as it is concerning to me that these people have some information about me, but not correct information and are looking for more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
On XX/XX/2019 I applied for the paypal rewards mastercard issued by Synchrony bank. They did a hard pull on my XXXX credit report. I received a message stating to call them which I did. The customer service representative only asked me my phone number and then told me I had to wait 7-10 days ( which was fine ). On XX/XX/XXXX, I received another email from them stating I was declined because they could not verify my identity. They did not mention any usage of my XXXX credit report, nor did they do their due diligence of asking me to submit ID verification documents like any other financial institute would do. I sitll have not received the hard letter copy. After reviewing my credit reports, I updated my address and phone number and applied for another synchrony credit card ( WALMART ). Again, same message to call. Again, only asked for phone number. After googling I found out they use your phone number to verify your identity so good luck if you have a new number like me. 
I want them to either remove the hard inquiries from my credit report or let me send in sufficient documentation to verify my identity.

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 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA has blocked use of the credit card on numerous occasions purportedly due to concerns about fraud. The problem arises from : ( 1 ) the frequency and unpredictability of the blockages ; ( 2 ) the entities identified ( some frequented before with no problem ) ; ( 3 ) the lack of a rational process to forestall blockages ; ( 4 ) the failure of the fraud alert system to identify fraud properly ( not one so far ) ; ( 5 ) the likelihood of this system leaving an innocent credit card user in an unsafe position ( one member of my family was blocked from purchasing gasoline while away from home ). As best I can tell, USAA believes credit card users should contact them before they make purchases to assure the company that no fraud is involved. This is obviously ridiculous. Moreover, when we have contacted them respecting travel out of state, it made absolutely no difference. Despite attempts to work this out with USAA, our efforts have been unavailing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX. At the end of the lease I decided to purchase the vehicle. I called Chrysler Capitol to find out how they wanted it handled. I was instructed to send a check. I asked if they needed a cashiers check, and was told no that was not necessary. They sent me a letter with the same instructions. 

I mailed a check ( thru UPS ) that was accepted XX/XX/XXXX at XXXX XXXX. 
My check was cashed on the same day XX/XX/XXXX. 

Chrysler Capitol is now telling me that they take 21 days to process. Then they mail it back. I asked if I could get it any faster, they said if I had a XXXX account number they could use that and it wood speed things up. I said I had a XXXX number, to which they replied they only use XXXX. Even if I had a number, it would still take 21 days before they could send it. 

I was also told that it took that long to get Chrysler Capitol off of the title. I did let them know that I live in California, and it is all electronic now. Chrysler Credit was aware of that, however they seem to have needed some kind of paper trail. 
So as of now, I sent a check for {$27000.00}, and they keep my money for a month before I can legally get my title. I have read my lease agreement, and all of the correspondence with Chrysler Capitol and this is stated nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: SC

Complaint narrative:
I had an auto loan with this XXXX XXXX XXXX in XXXX, and I returned the vehicle in XXXX they filed an XXXX with the IRS and it shows in my XXXX tax w2 transcripts. Since they have filed that XXXX I am no longer responsible for this debt. It shows that I owe {$17000.00}, but when I called them they stated I owed {$10000.00} and that they have already resold the car. So that means they have resold the car, filed it as a loss with the IRS, but are still pursuing me for debt. They've dinged my credit report every month since XXXX causing my credit to be damaged. When I called them to tell them what the IRS told me the first representative hung up, and I had to call back. The second representative told me that all he could do was file a complaint with the complaint department and it could take them a week to respond to me. I'm closing on a home in a few days and this is so unprofessional, illegal, and unfair. That is tax evasion! They have harassed me for year about this debt and have been reporting incorrectly!

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 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/2018, my family and I relocated to XXXX for a new job. The policy of moving money out of XXXX is very stringent, and all money being transferred to another country has to be accounted for, and taxes paid. This process took roughly 3 months for all the paperwork to be filed and for me to be able to move my income back to the US. During XX/XX/XXXX - XX/XX/2018, I had some payments come due with American Express. When I requested either the payment be delayed or for American Express to offer some way for me to make payment directly from XXXX, they did not offer any solutions, and proceeded with reporting late payments during this time. This in turn decimated my credit score. I had an excellent history of payments and was sitting above a XXXX. After the American Express reporting, my score is now below XXXX. Since my situation in XXXX is now stable and money can consistently be transferred, I have not had any additional late payments. 
The unfortunate thing is American Express widely markets its product as a International/Travel Friendly card, but does not provide any ways of making payment from XXXX. If that option was available, I would not have had to wait until my paperwork was cleared to transfer money back to the US. I have not had this issue with my other cards from XXXX XXXX, XXXX, and XXXX. 
I have contact customer service on multiple occasions and no help or resolutions have been provided for this unique situation. This was not a situation of not having funds to make payments on time, but rather not having the options to make payment directly from a foreign bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BlueChip Financial
State: WI

Complaint narrative:
I took a payday loan out and was paying back on time on a regular basis. About 2 or 3 months ago I switched banks, I called them and asked to have the debt deductions taken out of new bank. They said it was to late for the next payment, but could after that. I tried to explain to them that I will get a charge because that account was closed. Was getting nowhere with the person I was talking to, so I asked to talk to a supervisor-he kept stating that the supervisor would tell me the same thing. Over and over this went over probably ten times, he didnt seem like he would transfer me, so I hung up. After that expierence dicided not to even try to deal with them anymore. I'm getting calls and emails from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation