vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-15 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: NY

Complaint narrative:
re : XXXX XXXX XXXX Experian CR. 

In XX/XX/XXXX, I requested Experian remove a FIVE year Old public record for a WITHDRAWN/DISMISSED Due to Error Bankruptcy filing done by mistake due to Error AFTER THE XXXX XXXX XXXX XXXX agreed with all CRAs, including Experian, to remove ALL public records that did NOT have all FOUR data points attached to them. 

The other CRAs ( XXXX, XXXX, XXXX, XXXX ) ALL removed the item : XX/XX/XXXX Ch.XXXX filing case # XXXX filed XX/XX/XXXX. 

XXXX XXXX XXXX XXXX. ( XXXX ) reports that as of XX/XX/XXXX, all CRAs agreed to no longer maintain public records without ; 1. all four Data Points : correct name, address, SSN, Date of Birth.

2. that are published victims of ID Theft. ( this BK is ID Theft victim ) 3. That are over FIVE years old 4. That have been dismissed/withdrawn due to ERROR. 
5. CRAs must update all public records every 90 days. not done.

6. in XX/XX/XXXX Experian wrote to CFPB complaint # XXXX that Data Furnisher agreed to vacate this Public Record,  but, Experian failed to update this file. 
7. Maintaining ID theft Victims dismissed BK public record is FCRA & ID theft law violation against Experian. All other CRAs removed it!

8. FCRA prohibits publication of records " filed in Error '' like BK case 9. All dismissed legal actions filed in Error are to be updated and removed from Public Record BY CRAs every 90 days!!!! 
10. Experian has pled guilty in many related court actions to violating the FCRA & XXXX regulations for these 9 reasons and should not be repeatedly violating the law!

MY BK filing was withdrawn by the BK Judge a week after the filing due to ERROR. IT is in the case file at BK court in  XXXX NY and it was sent to XXXX XXXX, analyst for Experian, but, she ignored it. 
My BK public record DOES NOT have my correct address since I was evicted XX/XX/XXXX from my home due to this ID theft action by the the bank. MY SSN and my Date of Birth are not on the court order either.

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 2018-01-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX I originally disputed the information in XXXX concerning this account. The company responded as verified and accurate. I later contacted the XXXX to work out an arrangement. We came to an agreement concerning this account. After several months of contacting the credit bureaus due to the inaccuracy of reporting this account, I would like this account deleted from my file. 

Included are my documents proving that the credit bureau willfully continues to report incorrect information damaging my credit worthiness. The first page is the settlement offer which I accepted on XX/XX/XXXX. The second page is taken from my XXXX report dated XX/XX/XXXX. The third and fourth page is from XXXX datedXX/XX/XXXXThe fifth is Experian dated XX/XX/XXXX. As you can see, there is no attempt to report the status, grid or comments correctly. There are also gaps in the grids and failure to include date of last activity. 

The second attachment is proof that I did pay XXXX. I included both pages of my statement for completeness. On the second page, you can clearly see that on XX/XX/XXXX, the payment was made to XXXX. If you wish, you are more than welcome to verify this with them. 

Under FCRA Section 623, the credit bureau refuses to correct inaccurate information and I do not wish to seek damages at this time. However, I would like this account deleted immediately.

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 2018-01-15 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: OH

Complaint narrative:
So I make additional payments to my student loan, to additional my automatic payments. I called customer service to have them reapply the my extra payments to principal only. I was informed there is not much a thing. I spoke to a manager, and inquired in why I ca n't apply my extra payments to principal only. He started you ca n't do that for any loans. I asked him if this in my contract ( which it 's not ), and his response was your monthly payment will be applied interest then principal. I informed him this is not my monthly payment, and asked him to provide me with a copy of my contract. 2 months later still no contract, and I called and was informed it was sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an email from Barclays advising me of fraudulent charges on my XXXX. Someone stole my card number from a free-standing ATM machine outside XXXX XXXX XXXX XXXX XXXX when I visited in XX/XX/XXXX. They used my card information to take out a cash advance in XXXX on XX/XX/XXXX. I live in  XXXX, AZ. I called Barclays immediately. They closed out my account and gave me a new card. I was told it would take 2 to 3 billing cycles to be reimbursed for the {$500.00}. After several calls and many promises, the charges are still on my bill. Barclays is also charging me {$26.00} a month in interest on a bogus charge. During my last call on XX/XX/XXXX I was again promised the charges would be deducted within 48 hours. Today is XX/XX/XXXX and charges are still on my card. 

I want my money back NOW! I was told that my money will not be refunded until investigation is complete. When I called on XX/XX/XXXX and spoke to the supervisior XXXX, he informed me someone at Barclays dropped the ball and never started the investigation. 

I would like to file a lawsuit against Barclays but do n't know how to go about it. I 've also considered going to a local tv station in hopes that negative airtime would encourage Barclays to fulfill their promise. I am angry and frustrated. I feel totally helpless and taken advantage of. Where do I go from here?????????

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 monetary relief
Consumer complaint received 2018-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I authorized a XXXX XXXX transaction order # XXXX / XXXX was captured XX/XX/XXXX at XXXX XXXX documented on a solid signal order transaction list emailed to me. The list revealed a XXXX XX/XX/XXXX credit after I requested a product shipment return authorization. My capital one 360 checking account was debited XXXX twice on XX/XX/XXXX and XX/XX/XXXX.On XX/XX/XXXX XXXX was credited.On XX/XX/XXXX a billing error occurred on transaction USPS XXXX XXXX XXXX XXXX XXXX NJ , I was debited XXXX for a XXXX priority mail package without receiving any cash back.My current available balance is incorrectly calculated as XXXX cent but the total excluding the ( XXXX XXXX double debit and USPS XXXX dollar overcharge ) errors should be a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA not mine / No knowledge of those 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 2018-01-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
J.P.Morgan Chase removed a fraudulent joint {$8000.00} credit card issued in XX/XX/XXXX.and closed in XX/XX/XXXX. XXXX deducted 7 points from my credit score rather than the low impact 2 points. I have not been able to get an explanation for this variance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PR

Complaint narrative:
Since last XXXX of 2017, I have asked credit bureaus to verify and eliminate from my credit report the following accounts that I mention below which do not belong to me. Modifications of mixed names have not yet been corrected. Request to validate these debts that indicate they belong to me without positive reply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15 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: UT

Complaint narrative:
I havent received a response to the letter I sent to Experian dated XX/XX/2017 stating that they need to re-investigate and verified the Item listed in the attached letter named Experian 6 which is my 6th letter I 've sent trying to resolve this matter. In an effort to help Experian in their investigation I have attach a copy of my Equifax Report that clearly shows that they couldnt verify the Items and were deleted. I would like to know how they " verified '' the information listed below when it is clearly inaccurate : Did Experian call the original creditor or just look at the information in your database? 

Please see attachment letter and files for the items Please provide me with the following information within 15 days : Proper valid documentation required by the FCRA Or delete this misleading information.

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 2018-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I was hired at the XXXX XXXX XXXX and shortly after, I noticed student loan payments being taken out of my pay. This is my error, of which I am deeply embarrassed, but I did not know it was a garnishment of wages, rather than a monthly direct payment. The balance according to their records was {$23000.00}. I contacted the loan servicer, XXXX in XX/XX/XXXX, requesting a lower payment and this is when I discovered that the LAST 5 YEARS of payments were made under a garnishment. The conversation was if I made the payments for the next 3 months on time I could get a smaller payment ( from nearly {$400.00} to less than {$200.00} ). I was also told in that conversation that if I had a total of 120 payments on the books on time, I could probably get the rest forgiven. My loan was transferred to Navient, effective XX/XX/XXXX,  where I have faithfully made my payments. Between XX/XX/XXXX and now, I had read on the website about loan forgiveness that you had to start one year before your 10th year to  begin the process. In XX/XX/XXXX, I went online, downloaded the form to begin the forgiveness process and mailed the form in. I received a response that my loan was not in the database. I called the phone number given, and a rep named XXXX ( # XXXX ) confirmed that my loan was not in the database and transferred me over to the Public Service Forgiveness Department, where I spoke to a rep named XXXX ( # XXXX ). XXXX confirmed that my loan was not located there and she explained that my loan was not a Direct Loan and that if I requested it at that time, I could begin the process of another 120 payments for forgiveness. I told XXXX that I made payments monthly to Navient and those loans were labelled " consolidated '', and asked what it meant. XXXX replied that was another kind of consolidation and did not qualify as the loan forgiveness qualification process. I am XXXX years old. I have faithfully paid on these loans for 10 years and then some, beginning back in XX/XX/XXXX. It is mind-boggling that I would pay two 120-payment segments on original loans, totalling {$6500.00}. Mind you, I knew nothing about  the loan forgiveness part of student loans until XXXX told me about them. At no time did XXXX say that I had to do anything besides make the 120 monthly payments. Similarly, I do not recall reading anything about putting in a request to change my loan to a " Direct Loan '' in order to qualify, else I would have done it ; all of this time I believed I was in compliance with achieving forgiveness status. If you count the payments I made beginning in XX/XX/XXXX, I have paid on this {$6500.00}. Surely, you have recouped what was owed and more by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX had ownership of a car from credit acceptence and I traded the car in at a dealership called XXXX XXXX in XXXX, NewYork part of XXXX. The dealer I gave the car to at XXXX XXXX never paid off the car, He never cut credit acceptence a check for the pay off amount for the car. The dealer ended up robbing XXXX XXXX of all the files and car deals that he made for the company. So, he stole my files to the car and any evidence that I traded in the car owned by credit acceptence. He ended up consequently getting my trade in car from credit acceptence reposssed off of the XXXX XXXX car lot. He called me months later after asking if I had the car, he knew that I didnt. I went to confront him and he was gone, the XXXX XXXX vanished I arrived to find out that a different LLC had taken ownership of that dealership. I now am stuck with the debt of XXXX being negatively affecting my credit profile. I have spoken to several representative at Credit Acceptance in relation to this matter. I also had the attorney general of Florida file a complaint on this dealers conduct. Also during the transaction of trading in the vehicle in the year between XX/XX/XXXX and XX/XX/XXXX I requested that the president of Credit Acceptence get involve in this unfortunate event of my car buying experience, the president of Credit Acceptence bank called the dealer several time to try to  get the dealer to cut the check in the amount of the trade in but the dealer at XXXX XXXX kept ignoring his phone calls, the president of credit acceptence did not make any notes on his attempts to reach the dealership on my account. I had paid the Car note prior to trading in the car owned by Credit Acceptance. I do not have any paper work to prove this complaint since XXXX XXXX vanished along with the dealer.

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 2018-01-15 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: CNG HOLDINGS INC
State: NC

Complaint narrative:
Original complaint XXXX, this was not taken care of at all. In fact the phone number listed does not work. Today we found out that XXXX XXXX XXXX aka XXXX sold this debt to XXXX XXXX and that was done on XX/XX/XXXX. Now we received a debt letter which we received XX/XX/XXXX, we had no idea what this was for so set a validation letter which was sent XX/XX/XXXX by certified mail, again nothing has been received at all. 
Today I woke up to XXXX XXXX being added to my credit report ( XXXX and XXXX at the moment ) and has dropped my score significantly and I was set to buy a home. The agency that is servicing this for XXXX XXXX is XXXX XXXX where the letter was sent to, when I called them today they confirmed they did get the validation letter and they have the response ready to be mailed but have not yet ( XX/XX/XXXX ) however someone placed this on my credit when I asked for validation. 

Also this debt which is not valid at all and was sold illegally to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XX/XX/XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XX/XX/XXXX. XX/XX/XXXX came and I still did not have a credit score. I then called the three Credit bureaus, XXXX, Equifax, and XXXX to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XX/XX/XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX XXXX XXXX. XXXX  XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XX/XX/XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XX/XX/XXXX. XX/XX/XXXX came and I still did not have a credit score.  I then called the three Credit bureaus, XXXX, XXXX, and Experian to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XX/XX/XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX  XXXX XXXX. XXXX XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.

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 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA not mine / No knowledge of those 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 2018-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I researched buying a new vehicle at a local XXXX dealership, XXXX XXXX in XXXX XXXX New Jersey. I found a vehicle I wanted, emailed their sales department and received an email laying out the financials of buying this vehicle. The most important detail was a {$7400.00} " upfront savings '' discount. 
I went to the dealer, spoke with a sales person, picked the vehicle and sat down with sales person and sales manager to go through the financial details. The manager wrote down the information including the {$7400.00} " upfront savings ''. 
I signed the contract and left with the vehicle. Upon further inspection of the contract, the financial detail page is behind a page that I signed and it did not have the {$7400.00} savings. I immediately phoned the original online sales representative who promised to look into it, I waited a week with no response. I emailed the representative and have not received a response back after another week. 
I feel like I was knowingly deceived by the sales manager.  I believe that this was a simple bait and switch situation and would like to receive the savings or return the vehicle. 
I have not made a payment yet and am not due to until XXXX XXXX. 
If I can not receive the savings or return the vehicle, I would ask that XXXX XXXX of XXXX XXXX be monitored for other shady sales tactics towards XXXX XXXX members. 
Thank you in advance for your time and consideration. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Diversified consultants claims i owe XXXX {$110.00}. I checked with XXXX and i do not owe this, and never did. XXXX said its a scam. 
A XXXX search on this company seems to indicate that they are a scam company. 
XXXX said that they never heard if them and do not use them or their service. 
XXXX XXXX Said my account # is XXXX

Company response to consumer: Closed with non-monetary relief