vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 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: TX

Complaint narrative:
All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior, Recently I applied XXXX credit card, XXXX Credit card company or XXXX pulled my credit report from XXXX and XXXX reported them that I have missed them recent payment to any other creditor, which is not true. I have report in my hand, it was XXXX XXXX XXXX and has been paid off/settled by XXXX and XXXX reported them account in good condition. but XXXX and both Experian is not updating in the system, that is why lenders are getting my " Negative '' Credit Reports, there is no missed payments at all in last 8 years. I have all paid off bills and never missed it. CFPB should take strong action against these credit bureaus.

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 2019-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
In a nutshell, my youngest daughter wanted to attend XXXX in XXXX XXXX, FL. We contacted the financial aid office at XXXX, and were told only about the Parent Plus loan ; it was never brought up that my daughter could apply for the loan in her name, and have her payments based on her income. I had to take out the loan. I had been through an expensive divorce from her father, and my credit scores were not sufficient for me to sign the loan on my own. They advised that if we could get another co-signer with better scores, we should have no problem getting approved. My then boyfriend, now husband, graciously offered to co-sign. This was in XXXX-XXXX ( a total of 4 loans ). We are currently pending approval/denial through the Dept. of Education Borrower Defense process, due to XXXX XXXX fraudulent job placement claims. Those 4 loans are in forbearance, accruing interest at an alarming rate. It also appears that XXXX XXXX is suing the Dept. of Education, and that applications are not being processed until the lawsuit is settled? I questioned the Dept. of Education as to why are these loans placed in forbearance vs. deferment. It was explained to me that this was done in order to prevent borrowers who were applying were not doing so just to be able to delay making payments. My husband and I both work for the XXXX XXXX XXXX ; our income is lower than low. I believe in paying my taxes, debts, etc. I believe that your agency can not submit my claim to the government, but, I feel that my husband and I are being punished for something that someone else must have done ( filed borrower defense when they know they are not even remotely eligible ). We are getting close to retirement age, XXXX and XXXX, and this is frightening to us. If our application is on hold for something we had nothing to do with, and have no control over, why can't our loans be placed in deferment? That is all I am asking for. Thank you for your taking the time to read my complaint. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to completely remove the XXXX collections which were incorrectly placed on my credit file. I've had to initiate several disputes against the collections and while no single dispute exceeded thirty days, in aggregate it's been more than thirty days for what is essentially the same issue by the same collection agency which Experian has failed to properly handle.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian charges {$19.00} for a membership for enhanced services that is almost impossible to opt out of when trying to use services on their site. When trying to cancel, it appears that the only way to do that is through an online chat which is often not available or over the phone. Although these practices are reprehensible and deceptive, the reason for my complaint is that on the phone, Experian REQUIRES providing one 's full 9 digit social security number to an automated voice prompt. 

This is so irresponsible for an institution in possession of so much of my data, I wonder even now if I've been a victim of fraud. Even on this submission form, CFPB advises us providing exactly this kind of information. 

Moreover, Experian does not provide any straightforward way to provide this type of feedback directly to the company.

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 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/2019 my bank account was charged an overdraft fee. The overdraft fee is {$36.00}. After my account was charged the overdraft fee the balance is my account was - {$30.00}. This is the 3rd time this has happened with this bank. If my account was overdrawn to where I should be responsible for an overdraft fee my account should be further negative than the amount of the fee. Which my account never even shows me being negative more than the amount of the overdraft fee, it is actually less even after they charge the fee. We spoke with them and they claim that what shows on their end is different than what we can see. They say it is not a bank error so they will not reverse the overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
You also agree to allow SC to request a refund of any credit insurance, life insurance, GAP coverage and/or service/warranty contract ( s ) that were financedunder your contract or loan and apply any and all refunds to the remaining balance dueon your account after the payment made by you of the Settlement Amount. Payment of the Settlement Amount must be received by one of the acceptable methods of payment set forth above and by. The settlement may have tax implications. Please consult a tax advisor to determine the impact on your specific tax situation.If you have any questions, please contact the Loss Recovery Department at XXXX. Our Customer Service Business Hours are as follows : Monday through Friday XXXX XXXX, Saturday XXXX XXXX.Sincerely, Santander Consumer USA XXXX.Loss Recovery DepartmentXX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I asked to to stop calling me every day and harassing me the debt is about a cable bill they dont stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I regularly monitor my credit history and scores through XXXX XXXX and another service. My EQUIFAX score is consistently in the XXXXs. I thought the score scale runs to XXXX. 
I recently purchased a car. XXXX XXXX reported my equifax score at XXXX. The same week my monitoring services reported it at XXXX. I called EQuifax to inquire about the scale and how I could have 2 different Equifax scores in the same time period. The individual on the phone did not understand the question the first 6 times I asked and gave me silly stock answers to questions I was not asking. When he seemed completely confused he just hung up on me. 

The process to get through to a live representative to ask a " non-standard '' is cumbersome and invasive. It's clearly designed to make people give up and go away. The inability of the the rep to answer what should be a simple procedural question or go to someone and get an intelligent answer shows complete disregard for the needs of the consumer. 

Clearly scores at either level are not going to be a credit problem for me, but I have a right to understand what they are reporting about me and they have a duty to explain themselves. 

I tried XXXX XXXX. while much more polite and attentive, their representative was equally clueless about the process. The credit guy at the car dealer did not even seem to understand the question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
My score dropped XXXX points for a card remark from jpmc card service which I never had or used. Status shows as closed by grantor with no apparent use. 
Need this remark removed from my scores from XXXX and XXXX. incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: MN

Complaint narrative:
Since opening an account with Harley. I have received calls from the collection department even before my first bill was due. They called it a courtesy call to be reminded that my first bill was coming up. ( 8 call total ) I told them about email. 
Since that time theyve repeatedly called. From the cell number to my work number. To the point my boss had to tell them to stop calling because they were occupying the work line. Now they call 8 times a day for sure because I have saved all my call logs. I understand a late call or reminder but theyll get this way when its on the due date and keep it up everyday till its paid. Ive asked whats the point of having a due date if Im called on it every time. Its not even late at that point its ON the due date. Im at work XXXX which theyve been told this. Ive even set up a payment date when late or going to be late on the website to be automatically withdrawn from my bank account and Ill receive calls till THAT date. I pay the late charges when late but Ive never been a month late. Ive been days and at most a couple weeks. We had Harley for three years with another account and was always in good standing and still is. all this started with the new account days before the first bill was even due. ( Never  experienced these call before and weve been late before ) Then it was a day or so before the due date which I asked why do I have a due date. Then to them calling 8 times a day if not more on multiple devices on the actual due date. Heres XX/XX/2019 call log for example. 

Calls start// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes I understand paying my bill on time would avoid this but life happens and the fact it started before any bill was ever due or on due dates is the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I'm currently resident in Virginia and XXXX-XXXX XXXX student. 
Before now, I was based overseas as an XXXX XXXX with visits to the USA only. 
I recently received a credit score from XXXX  and XXXX which specified that a MACY/DSNB account : Partial Acc # XXXX was opened on XX/XX/2013 and first reported on XX/XX/2013 with a credit limit of {$100.00} and High Balance of {$98.00}, is against my name and SSN. 
I emphatically state that I NEVER opened any account with MACY as I was NOT resident in the USA at the time / nor present in the country and I WAS NEVER aware of this account existence and was NEVER initiated by phone /email /any other form of communication contact by MACY. 

Please NOTE that this as far as I am concerned is an IDENTITY THEFT and infringement of my right as an individual. 

I NEVER entered into ANY contract with MACY and this is NOW on my credit report. I am only made aware of this on returning to the country, on getting my credit score for purchases and trying to settle in for my XXXX studies. 

I need this to be expunged by MACY from my Credit record urgently.

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 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/2019, my purse containing all of my identification and personal information was stolen. Due to this, on XX/XX/2019, I initiated the process for a 1-year fraud alert to be placed on my credit reports. On XX/XX/2019, I received confirmation that the fraud alert was successfully added to all three of my credit reports. I was told that this fraud alert would require creditors and lenders to contact me directly, before issuing credit in my name. On XX/XX/2019, I received an alert from my credit monitoring service, stating that a potential creditor pulled a copy of my credit file because I applied for credit or services with them. I immediately contacted this creditor to inquire about this alert. Upon speaking with a representative, I was told that an XXXX credit card was opened in my name. I explained my situation and the representative transferred me to their fraud department. The fraud department could not explain to me why I was not contacted prior to this card being opened, even though I had an active fraud alert on my credit reports. I explained that there is an active investigation in progress with my local police department, for credit cards that were used from my stolen purse and that the detective requested that I report any additional identity theft that may occur in the future. I asked for the account number and details about when and where the card was opened and if any charges had been incurred on the card. I was told that they were not able to release any information to me until I completed a report at identitytheft.gov and mailed it to them. In the meantime, I was assured by the representative that the account was closed. In the days that followed, I completed the report and mailed it to the credit card company, as I was instructed to. On XX/XX/2019, I received an XXXX credit card in the mail. To confirm that the account had been closed, as I was previously told, I contacted the credit card company again. An associate advised me that the account had not been closed but had been frozen to prevent further charges from being incurred. I was then transferred to the fraud department to discuss the situation further. I waited on hold for 30 minutes before being disconnected. I called back and went through the same process of being transferred to the fraud department. When I asked if I could have the direct number to the fraud department, in case I was disconnected again, I was told no. When I asked approximately how long the wait would be, I was told that it would be a long time, but they couldn't give an estimate of how long. After waiting on hold for an hour, I hung up and decided to take further action by submitting this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My credit files contain accounts both past the statue accounts as well as absolute inaccuracies. 
1.XXXX XXXX Paid as agreed, XXXX balance. 
2. Medical bills XXXX XXXX ( Paid ) falls under the XX/XX/XXXX3.XXXX XXXX paid as agreed.

4.Direct and Federal Loans are being reaged. They are reporting delinquent after 7 years. 
5.XXXX XXXX this is not my account. Also show bankruptcy. 
6. XXXX XXXX Paid as agreed. History reporting inaccurately. Never 30 day delinquent XX/XX/XXXX through XX/XX/XXXX. 
7. XXXX XXXX Paid as ageed.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
My score dropped 11 points for a card remark from XXXX card service which I never had or used. Status shows as closed by grantor with no apparent use. 
Need this remark removed from my scores from transunion and XXXX. incorrect information on 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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
My score dropped XXXX points for a card remark from XXXX card service which I never had or used. Status shows as closed by grantor with no apparent use. 
Need this remark removed from my scores from XXXX and equifax. incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Cash Management Corp.
State: NH

Complaint narrative:
On XX/XX/2019, I received a notice in the mail stating that I owed {$110.00} to our doctor 's office. My wife also received a notice and that will be addressed in a separate complaint here. 

My wife and I have the same doctor. We always are told if we owe money for the day 's visit, but we also have an arrangement of {$25.00} per visit per person. 

The last time we were in the office, we were NOT TOLD that we owed any money nor did they ask for our arranged payment. To me, that is THEIR RESPONSIBILITY TO let us know that we owe the payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
Hello, We had Internet with XXXX XXXX XXXX. 
Then my contract finished my wife personally took it to place they said. 
But XX/XX/2018 WAyresgrp collection company send XXXX $ in my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear sir or madam, I opened a Fifth Third bank Essential checking account on XX/XX/1919. At that time, Fifth Third bank has a checking account promotion. 

{$250.00} Cash Bonus Offer To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third XXXX, XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX XXXX ** checking account by XX/XX/19, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. 

The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements. 

I have maintained over {$500.00} in my account since XX/XX/19. On XX/XX/19. I have met XXXX XXXX XXXX of {$500.00} for 60 days. 

I am supposed to receive {$250.00} bonus within 10 business days, which is XX/XX/19. Until now, XX/XX/19, I still did not receive this bonus. I have contacted Fifth Third bank many times, but no solution. 

Could you please help me to solve this issue? 


Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Fleet Financial, Inc.
State: FL

Complaint narrative:
iLendingDirect processed a refinance of my auto loan for me on XX/XX/XXXX, financed by XXXX XXXX XXXX. As part of the package I purchased a vehicle service contract for {$3100.00} through XXXX XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX to cancel the service contract. I never received a refund and the amount paid for the service contract was never returned to the bank. On XX/XX/XXXX I followed up with XXXX XXXX XXXX and they responded that the contract was voided prior to be funded and that iLendingDirect still has the funds. I have been attempting to get iLendingDirect to return the funds to me or my lender but have had no success. They keep telling me that I am not sending them the cancellation form which I have submitted twice now.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation