vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: RI

Complaint narrative:
I signed a private student loan contract with XXXX in XXXX of XXXX when I was XXXX and had just graduated high school. The student loan dispersed in XXXX of XXXX and XXXX of XXXX. When the loan was signed I was informed that there were no other options available, including being told that the government would offer no assistance. I declined a federally subsidized student loan at a lower interest rate to sign off with the XXXX private student loan. They rushed the process and brought my family in as co-signers on the loan without providing all the information. 
In XXXX my loan was sold to Discover Student Loans. 
I have made payments over the twelve years totaling {$15000.00} on a loan that was for {$12000.00}. I continue to make payments of between {$50.00} to {$100.00} a month and the loan will be paid off in 20 years according to the company. When I asked XXXX about why I would be pushed into a private loan instead of a federally subsidized loan they told me that they could not provide any information and that I lost my opportunity. This loan has damaged my credit, the credit of my family member and caused stress in monthly finances of my family. The loan was predatory from the beginning but only recently have I come across all the information that was denied me at the time of the signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
I would like to report a Fair Credit Reporting violation. 

My Credit Acceptance Corporation balance for XX/XX/XXXX was {$6100.00}. 

The Credit Acceptance Corporation Account deleted from XXXX credit file : XXXX XX/XX/XXXX ; after numerous disputes. 

The Credit Acceptance Corporation account was re inserted into my credit files XX/XX/XXXX, over one ( 1 ) year after the deletion of XXXX XX/XX/XXXX. 

The re insertion included a higher balance than the original balance of {$6100.00}, Credit Acceptance Corporation reported to credit bureaus. 

The re insertion balance increased to a balance of {$6600.00}. 

I received no notice of re insertion of this account from XXXX, XXXX  or Credit Acceptance Corporation for the XX/XX/XXXX XXXX insertion of the " deleted '' Credit Acceptance Corporation, previously disputed late payments/repossession.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I would like to report a Fair Credit Reporting violation. 

My XXXX XXXX XXXX balance for XX/XX/XXXX was {$6100.00}. 

The XXXX XXXX XXXX Account deleted from Experian credit file : XXXX XX/XX/XXXX ; after numerous disputes. 

The XXXX XXXX XXXX account was re inserted into my credit files XX/XX/XXXX, over one ( 1 ) year after the deletion of XXXX XX/XX/XXXX. 

The re insertion included a higher balance than the original balance of {$6100.00}, XXXX XXXX XXXX reported to credit bureaus. 

The re insertion balance increased to a balance of {$6600.00}. 

I received no notice of XXXX insertion of this account from Experian, XXXX  or XXXX XXXX XXXX for the XX/XX/XXXX XXXX insertion of the " deleted '' XXXX XXXX XXXX, previously disputed late payments/repossession.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been a Chase Customer for over 10 years. I usually send wire transfer to my family abroad through the bank lobby. But on XXXX/XXXX/2020, I was turned away at the bank and asked to send the wire transfer by myself using the Chase App. The reason given was that my branch at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas was temporarily closed and other bank lobbies were closed due to Covid-19. And so I was forced to attempt this transaction by myself for the first time without any help or tutorial videos. The wire transaction details are as follows : Wire Date : XX/XX/2020 Wire Amount : {$400.00} Wire Transaction # : XXXX Wire Reference # : XXXX Unfortunately while conducting the transaction, I entered the recipient 's account number wrong. I noticed this immediately after I sent the wire. Since Chase Bank disclosure on the website allows corrections to be made within 30 minutes of sending a wire transfer without any fees or penalty, I immediately called Chase Bank customer service and requested an amendment to my wire transfer to correct the error. The XXXX # for that phone call is XXXX. I was told by the agent that someone from the Wire Department will reach out to me within 24 hours to validate the request. By the end of the next day I did not hear from anyone at Chase Bank so I called again on XXXX/XXXX/2020 and was advised by another agent to re-file my amendment request ( Phone call XXXX # XXXX XXXX. Again I was told that someone from the Wire Department will call me. No one did. On XX/XX/2020 I called Chase Bank yet again and was advised by another customer service agent to wait a few more days to hear back from Chase XXXX XXXX call XXXX # XXXX XXXX. Again, no one called or emailed me from Chase. Finally, on XXXX/XXXX/2020, I called Chase Bank and demanded to speak to a Manager. I requested an escalation of my issue and she did XXXX XXXX # XXXX ). Since then, the only communication I received from Chase Bank was an online secure message telling me that the transaction can not be amended or reversed, but without telling me how and when my money will be returned to me. I need my money and fees refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23 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: GA

Complaint narrative:
My name is XXXX XXXX, this is the 2nd time I have filed a complaint with you against Experian. I am a victim of identity thief. Someone used my identity. I sent Experian my complaint through the mail, along with my state identification and social security card. I also sent a police report along with a copy of my FTC report. I mailed these documents certified mail, only to get a response from Experian stating they think it was a mistake, that the documents were sent in error. I filed disputes again online and now Im here filing a complaint against them again. I just filed the same complaint only to have Experian say once more that they do not believe I am making these complaints. I enclosed a piece of mail I received that one of the creditors in my dispute sent to 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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  does not have data about my date of first delinquency, worst delinquency status, or cause for derogatory status. They have very limited data, they have said when they spoke to me via phone. This account resulted in a derogatory status. The customer service agents working at XXXX cant even tell me why my account was derogatory or even if it ended in a positive or negative account status. I would like to have this account removed or deleted permanently from my credit file due to this discrepancy and lack of information supplied by the creditor. They have also applied these discrepancies after account closure in 2017. Has been disputed and dismissed before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX does not have data about my date of first delinquency, worst delinquency status, or cause for derogatory status. They have very limited data, they have said when they spoke to me via phone. This account resulted in a derogatory status. The customer service agents working at XXXX cant even tell me why my account was derogatory or even if it ended in a positive or negative account status. I would like to have this account removed or deleted permanently from my credit file due to this discrepancy and lack of information supplied by the creditor. They have also applied these discrepancies after account closure in 2017. Has been disputed and dismissed before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8700.00}, {$4100.00}, {$9300.00}, {$4100.00}, {$0.00}, {$380.00}, {$3900.00}, {$5800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- XXXX ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8700.00}, {$4100.00}, {$9300.00}, {$4100.00}, {$0.00}, {$380.00}, {$3900.00}, {$5800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

XXXX. BANK XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- XXXX ACCOUNT 6. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8700.00}, {$4100.00}, {$9300.00}, {$4100.00}, {$0.00}, {$380.00}, {$3900.00}, {$5800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- XXXX ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Major banks ar denying applications to 0 % interest balance transfer offers ( before the pandemic they were readily available ), Si now the current rates are 27 % Agregious and loan sharking People are hurting and banks are rolling in the $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: CA

Complaint narrative:
due to the current pandemic, i am unable to work. in XXXX california, where i reside, all non essential entities have been ordered to close or severely curtail their services etc. i am an XXXX XXXX and i am XXXX XXXX XXXX. because of my heightened risk for exposure to covid 19, i am following all social distancing protocols which further preclude me from carrying passengers in my vehicle. 

i have a 10,000 high interest loan from personify financial. i have reached to the company to discuss ways by which a viable and equitable payment arrangement can be worked out. because this is a very high interest loan, at 98 % annually, i requested that the interest on this loan be suspended or waived for the time that the pandemic is a health and safety issue. they have refused to assist in any way. meanwhile the interest is accruing daily and increasing the total outstanding amount. these loans are not designed to be paid off according to the amortization period of the loan which in this case comes to over {$33000.00} over three years on a {$10000.00} loan!!! my sincere intention when taking out this loan last year was to pay it off in a relatively short amount of time. but due to covid 19 those plans are no longer viable. 

in addition, this loan product was recently made illegal in the state of california by the legislature. this type of loan can no longer be offered to consumers in the state of california due to the exorbitant rate of interest. consumers such as me who happened to take out this loan before the legislative action are now stuck/in limbo in attempting to abide by the unfair and unconscionable rate of interest that the company is charging. 

PLEASE HELP ME!!!!!!!!!!!!!!!! I HOPE YOU CAN REACH OUT TO PERSONIFY FINANCIAL AND OFFER SOME REMEDY TO MY DILEMMA. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was aware of some suspicious activity on my account. I notified them. They said that I have nothing to worry about. A month later 9 or more transactions unauthorized happened in my account. I then notified them. They seemed uncaring and unbelieving. Multiple times I have went to them only to get pushed aside again and again. My account is negotiative and still active and me still unsure how to proceed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
. There should be no balance, past due, or monthly payment on an account that is no longer owed by the original company. This account was transfer/sold. 

I have researched and see that this is some sort of rental contract and I have requested the company, Online Collections, send me the signed contact of the account they are illegally collecting on. Each rep Ive spoken to have told me theyd send it out. They never provide it when I dispute it with experian. Instead, they just verify it. At this point, after reading the horrendous reviews that my peers have had with them, I understand why I had to come to the CFPB for assistance. 

This is ridiculous and should be classified as ILLEGAL. Please assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
Ally Financial has repeatedly reported my auto loan as late although I have made the payments on time. What I have not paid - and repeatedly asked Ally to waive - are about {$1500.00} in late charges. Ally is reportedly me late - unbeknowst to me - because if these late charges and not because of late payments. My account has been paid on time for the past 24 months.

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