vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-14 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 loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX, XXXX XXXX, XXXX CARD 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 2019-04-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I moved from XXXX, NC in XXXX at which time Best Buy sent a new credit card to the tenant living there. They went on a shopping spree to the tune of {$5700.00}. I contacted Best Buy Fraud and they took forever to investigate and get to the bottom of what happened. I have proof that I was not even in NC when and where the shopping occurred, I had already moved. I finally received a letter from Best Buy dated XX/XX/XXXX after numerous follow ups, stating that the investigation proved the charges were fraudulent. Best Buy claimed that my status was resolved with XXXX, XXXX and XXXX, and to allow 60 days for their records to be revised. 
In the meantime I continue to get threatening statements/letters from XXXX XXXX XXXX, XXXX.Account # XXXX, requesting payment. I tried to call them several times to tell them about the Best Buy letter and to find out where I could send a copy, but they insisted that would not resolve the problem. I also discovered that this is showing up on my credit report. Is there any way for you to resolve this with XXXX? I would be happy to forward the letter from Best Buy that clears this insanity.

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 2019-04-14 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: GA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX CARD XXXX, XXXX XXXX DEALER XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I moved from XXXX, NC in XXXX at which time XXXX XXXX sent a new credit card to the tenant living there. They went on a shopping spree to the tune of {$5700.00}. I contacted XXXX XXXX Fraud and they took forever to investigate and get to the bottom of what happened. I have proof that I was not even in NC when and where the shopping occurred, I had already moved. I finally received a letter from XXXX XXXX dated XX/XX/XXXX after numerous follow ups, stating that the investigation proved the charges were fraudulent. XXXX XXXX claimed that my status was resolved with XXXX, XXXX and XXXX, and to allow 60 days for their records to be revised. 
In the meantime I continue to get threatening statements/letters from Midland Credit Management, Inc.Account # XXXX, requesting payment. I tried to call them several times to tell them about the XXXX XXXX letter and to find out where I could send a copy, but they insisted that would not resolve the problem. I also discovered that this is showing up on my credit report. Is there any way for you to resolve this with Midland? I would be happy to forward the letter from XXXX XXXX that clears this insanity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Due to the XXXX ( XXXX XXXX ) my family and I were displaced and could not make the payments on our vehicles. The stresses of all of this caused my wife to leave me. I am now stuck with two car payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Here is my problem : I got this Paypal message : " Your PayPal Funds are Eligible for Withdrawal '' now when I try to withdraw funds it says : " Sorry, we weren't able to process your request. Please check your info and try again ''. Now when I try to Request a Check it says : " Sorry your last action could not be completed ''. This is not sense to me because I got this Paypal message after waiting a holding period of 180 days : " Your PayPal Funds are Eligible for Withdrawal '' Please help, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: GA

Complaint narrative:
Account shows as being opened XX/XX/2017 & another previous year. Account shows two different Balances on the account. Account is reporting as two different companies, two different debts. Account was reinserted with a higher amount. Account is updating every month bringing my score down with inaccurate information. I disputed this in writing certified mail & Equifax did not respond to this dispute within 30 days. Equifax also continues to change my address without my consent making it hard for me to identify myself when I call. I have been a victim of identity theft 3 times & this bureau Equifax does not help me or abide by the Fair Credit Reporting Act. Equifax also deletes positive accounts. This account is double jeopardy & double damaging to my credit file. I CAN NOT get a auto loan with a loan over {$20000.00} reporting as a fresh debt every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX XXXX. Im writing to let you know that someone has gotten approved for a mortgage loan in my name and that they should be moving into their a place that they purchase and they should be moving in a couple days. I never received the call or email or the application that was supposed to be in my name. They have done this fraudently in my name and social security number. They stole all my money and all my personal information and they also my tax return and insurance to be able to purchase this house. They also that gotten car loans and credit cards in my name without my knowledge. They have gotten student loans and etc. Im writing to make sure that they dont get anymore money in my name or be able to get access to anything else. They changed my phone number that was on the original application and they have be impersonating me and using my income and identity and social security number to be able to commit these fraudulent activities in my name. And they need to be stopped. Im going to report them to the police department again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: CA

Complaint narrative:
Date was XX/XX/19, I received a letter from PayPal failing to state the reason for denial. Multiple times have they refused to issue me credit without any reasonings.I have the letter with the missing information as to why I was being denied, it was left blank.

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 2019-04-14 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: Navient Solutions, LLC.
State: NH

Complaint narrative:
I had reluctantly consolidated student loans in XXXX. At the time, the interest rates were extremely high, and remained the same throughout the entire loan. I have had extreme duress trying to keep up with simply keeping information current. Repayment options were vague at first, then in XXXX, I was seemingly forced into another loan ( closure of one, opening of another ) for better terms. During the process, I was assured my credit would not be affected negatively ( XXXX ) and prior to that, in XXXX, I had a defferment/forebearance that recently started showing negatively on my 'closed ' loan. Why all of the sudden the negative filing seems amiss. I filed a dispute with the three credit reporting agencies, the first to respond as XXXX, and in the response, it showed further supposed deliquencies ( XXXX ) then had been showing prior to my credit reporting dispute. While I do not agree with the practices of Sallie/Mae-Navient, it is a monopoly and I am driven by their policies and misreportings. My credit, is impeccible, aside from their mis-reportings and it is causing true duress to my current financial ability to prosper similar to those without Student Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: NH

Complaint narrative:
I had reluctantly consolidated student loans in XXXX. At the time, the interest rates were extremely high, and remained the same throughout the entire loan. I have had extreme duress trying to keep up with simply keeping information current. Repayment options were vague at first, then in XXXX, I was seemingly forced into another loan ( closure of one, opening of another ) for better terms. During the process, I was assured my credit would not be affected negatively ( XXXX ) and prior to that, in XXXX, I had a defferment/forebearance that recently started showing negatively on my 'closed ' loan. Why all of the sudden the negative filing seems amiss. I filed a dispute with the three credit reporting agencies, the first to respond as Transunion, and in the response, it showed further supposed deliquencies ( XXXX ) then had been showing prior to my credit reporting dispute. While I do not agree with the practices of XXXX-XXXX, it is a monopoly and I am driven by their policies and misreportings. My credit, is impeccible, aside from their mis-reportings and it is causing true duress to my current financial ability to prosper similar to those without Student Debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Riverwalk Financial Corporation
State: MD

Complaint narrative:
I have tried on several occasions to apply for law enforcement jobs, but everytime I presented my degree I was turned down and when asked why, I was told the degree had no merit, I have since found out that the school was/is under scrutiny with several courts, One being in XXXX XXXX by there Attorney General XXXX, where she sues XXXX for using deceptive marketing to lure students into thousands in debts as well called for the closure of its criminal justice program, due to the fact that XXXX falsely convinced students that they could pursue law enforcement with agencies only to find out that the school was only nationally accredited and in order to purse such a carer the degree needed to come from a regionally accredited school. 

I do not know how long this has been going on, but I am asking for some type of closure or either some type of assistance in rectifying this horrific crime set out by XXXX. 

I have been shuffled around from XXXX to a company called XXXX then to a company called XXXX now the secondary loans are held with XXXX. XXXX XXXX XXXX XXXX XXXX with a balance of XXXX $ I have attached information from the school referring to my federal loans which Ive actually have already put in action with student financial aid department a claim as well. 


I am not one that does not pay their bills I have been trying to make as many payments as I can to keep my credit up..All I am asking is for a fair look at my situation. I am not in default as of yet. Thank You for hearing me out, Before I end, I also do not truly believe that everything that was signed was truly my signature, for that matter I don't know all that was signed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting debt thats not consumer related on my Consumer reports, thats not legal by law.

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 2019-04-14 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: NJ

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX CARD, THE XXXX   XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX, Chapter XXXX Bankruptcy : Bankruptcy, XXXX XXXX XXXX, XXXX, XXXX BANK, XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX OF XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Attached I have XXXX card statements from my Capital One card. Each statement says XXXX points earned. I spent around {$2100.00} and {$80.00} and {$650.00} the last XXXX months. XXXX total points were given on each. However I should receive XXXX point per dollar spent. I am owed XXXX points. 

Additionally, I reviewed my past year and you are to get double points on fast food restaurants. From XX/XX/XXXX2018 to XX/XX/XXXX2019 my family had {$1600.00} in purchases that qualify for double points. 

Capital one told me they are aware of the issues last year and are working to correct. However, the issues werent corrected and the points earned arent showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Signature Bank (NY)
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018-30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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:
XXXX XXXX, Equifax and XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2019-04-14 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: NM

Complaint narrative:
XXXX XXXX, XXXX  and Experian are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2019-04-14 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: WA

Complaint narrative:
I am very diligent in paying my bills on or before the due date never late I recently paid off my 2 personal loans and my credit card from XXXX and my truck at XXXX XXXX XXXX all accounts were paid as agreed never late I work hard at keeping my credit good when the 2 XXXX personal loans were paid off XXXX closed them paid as agreed and when my truck was paid off XXXX XXXX XXXX closed it paid as agreed no debt and now trans union and XXXX has destroyed my credit score trans union dropped by 75 points and XXXX by 55 points and when I asked them they said thats how it works and it wont change you have to start over its as if Im being punished for paying my bills as agreed on time never late you would think I would be rewarded with a higher credit score but NO something is wrong here the credit reporting agencys wouldnt even want to hear what my concerns were and theres not they can do about it what a shame

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 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
SANTANDER USA WAS REPORTING MY AUTO LOAN TO ALL BUREAUS, BUT WERE DELETED FROM XXXX AND XXXX IN ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
WE HAVE A XXXX XXXX AUTO LOAN HELD JOINTLY, THEY WERE REPORTING TO ALL BUREUAS, AND NOW WERE DELETED IN ERROR.

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 2019-04-14 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo obtained 3 unauthorized credit inquirys that shows up on my credit report, dated in XXXX, XXXX, and XX/XX/2019. 

The inquirys shows up as XXXX XXXX. I have never applied for any credit or loans through Wells Fargo, especially not for education.

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 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
WE HAVE A XXXX XXXX AUTO LOAN HELD JOINTLY, THEY WERE REPORTING TO ALL BUREUAS, AND NOW WERE DELETED IN ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: NM

Complaint narrative:
XXXX XXXX, XXXX  and Experian are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong 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