vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 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: LEXISNEXIS
State: OH

Complaint narrative:
On or about XX/XX/2018, I called XXXX XXXX for an auto insurance quote. The quote came back more than double my previous rate and I was told by the rep that they had pulled a LexisNexis report that showed multiple accidents accounting for the increased rate. I contacted LexisNexis and requested a copy of the report. 

The report I received from them dated XX/XX/2018 includes accidents for other individuals from other states with different dates of birth and social security numbers. I contacted LexisNexis and was told that my insurance company had provided that information to them and that I would need to contact my insurance company. When I contacted my insurance company they did not have that incorrect information and said they did not provide that incorrect information. 

I filed disputes with LexisNexis for the incorrect information and am still waiting for a response. I feel that LexisNexis should be held accountable for recording incorrect information especially when they have dates of birth, addresses, and social security numbers, all of which are easily verifiable. There is no reason for other individuals ' information to be carelessly put on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A few months ago, my credit score was above 700. Today, after paying all my bills on time, my credit score is XXXX. The reason is because Capital One continues to negligently accept fraudulent charges related to identity theft on my ( now closed ) accounts without notifying me. I recently filed a complaint about this exact same issue, and while awaiting a response, I discovered by looking at my credit report that Capital One struck again, and negligently accepted another fraudulent charge on my former credit card without notifying me. Capital One then once again reported additional false derogatory information about me to the credit bureaus. In other words, Capital One is a serial abuser of their customer 's credit ratings, they apparently have no decent security apparatus, and there appears to be no end in sight to their shenanigans. Capital One knows or should know by now that the derogatory information they continue to disseminate against me is false. 
Capital One, just like any other company, is required to report only correct and accurate information to the credit bureaus, yet Capital One continues to brazenly flout the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
Capital One regularly advertises zero fraud liability. How much longer do you think that I should be liable for Capital One 's facilitation and embrace of identity theft? 
The next correspondence you receive from me will not be nearly as friendly as this one, Capital One. I'm looking at legal options. You need to stop lying to the credit bureaus about me, today. 

P.S. How would you feel if your credit score went down 100 points just because somebody you have no business with and haven't had any business with for several years would not stop disseminating derogatory information about you which they know to be false? What would you do? Would you sue them?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02 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:
I'm not aware of a XXXX XXXX for a vehicle 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 2018-08-02 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:
I'm not aware of a XXXX XXXX for a vehicle repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: IL

Complaint narrative:
PNC Bank routinely charges overdraft fees when accounts have NOT gone into negative status! On XX/XX/2018 at the end of the business day our account did not go into negative status but on XX/XX/2018 PNC charged us with a " ghost " overdraft fee. I say ghost because they didn't report the fee in transactions history until Monday XX/XX/2018. I immediately called on XX/XX/2018 and was told I had to wait for a call from the escalation department. XXXX XXXX was the escalation person who called Monday XX/XX/2018 at XXXX XXXX  CST. After discussing the issue and providing him with evidence he refused to reverse the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
since XX/XX/2017 I have been calling and sending them copy of my taxes and insurance they had the wrong amount on both which caused me to have to pay more in payment because it took them so long to get it right, now the account is paid on time as of XX/XX/XXXX.XX/XX/XXXX was paid by due date, im in the process of asking them to correct my credit and late charges because of their fault in correcting my account to show the proper amount they owe me money. I was diagnose with XXXX in XXXX had XXXX in XX/XX/XXXX which did not help the situation either, but never the less they XXXX up my account so bad and everytime I called to get it right I had to start from scratch, it was not easy dealing with XXXX XXXX recovery theraphy and now finally XXXX medication which are also very expensive, when they are charging me the wrong amounts making my pmts over hundred s of dollars over the correct amounts every month just because one side don't know what the other hand is dong they cant get it right until I took over so they get it fix. this has been a big problem for us. please have then correct this information thy are reporting which is incorrect. thank you mr and mrs XXXX it is not fair to the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
On XX/XX/XXXX my mortgage company increased my escrow payment effective for XX/XX/XXXX. I contacted the mortgage company after receiving this in the mail on the following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I called I Informed them on several occasions that I was a XXXX XXXX service connected XXXX veteran on a fixed income and that the increased payment was going to be financially burdensome. After speaking to a representative at the company I was asked to provide proof that I would be receiving a XXXX veterans homestead tax exemption which would have made it possible for them to have my escrow payment lowed. During a conference call with my county and the mortgage company some records were sent to verify my tax exemption status. Those records were received by my mortgage company however, they have refused to lower my escrow payment after I have made several request, both in writing and verbally over the phone, with over 10 different employees. Some of whom I was told were supervisors. I have told them several times that they have overestimated my taxes due to my tax exemption but when I call they are often rude and not helpful. After trying to get this fixed before the new high payment went into effect, I am left here at the due date trying to come up with the funds so I don't loose my house.

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 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
COMPANY COLLECTION LAW FIRM WILL NOT REPLY BACK AFTER TRYING TO RESOLVE OUTDATED DEBT IN GOOD FAITH AND OR " XXXX '' SETTLEMENT ... AND 2 OTHER COMPANIES ASKING FOR SAME DEMAND OF PAYMENT ... VIOLATION " FDCPA AND FCBA '' ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Financial Group
State: TX

Complaint narrative:
I recently read a copy of my credit report and saw this company has put a bill in my name out to collection which has subsequently reported to XXXX. I have contacted Nationwide to investigate their claim and have written to them requesting they remove this unfounded charge and correct my credit report. To date, they have refused. I request your assistance. 

Undisputed facts : Auto Policy # XXXX issued to me on XX/XX/XXXX with a 183-day term ( XX/XX/XXXX XX/XX/XXXX ) for a total premium of {$980.00}. Initial premium paid by me on policy : {$240.00}, listed on policy summary page as 25 % of total premium. Policy lapsed, put out of force on XX/XX/XXXX by Nationwide. 

Note : Policy term was scheduled for 183 days ; coverage provided was for 46 days ( 25.14 % ). Premium paid was 25.00 %. 

Undisputed facts ( cont ) : Auto Policy # XXXX was put back into force on XX/XX/XXXX ( out of force for 11 days ) with an adjusted term ( XX/XX/XXXX XX/XX/XXXX ) of 184 days. This time paid initial premium of {$260.00}, higher than before, but presumably to incur some small cost for reinstating the policy. As policy number remained the same as the original contract, it stood to reason the policy terms remained the same. Policy lapsed, put out of force on XX/XX/XXXX by Nationwide. 

Note : Policy term was scheduled for 184 days ; coverage provided was for 44 days ( 23.91 % ). 

Summary : Auto Policy coverage terms scheduled for 367/2 = 183.5 days ; total coverage received was 90 days ( 46 + 44 ). Total premiums paid was {$500.00} ( 51.3 % of Policy # XXXXs Total Premium ). Total coverage provided was ( 49.05 % ). 

At Issue : Nationwide/XXXX  XXXX is claiming I owe them an additional {$100.00}. What for? Is this penalty for not keeping the policy? Did they change the terms of the policy ( because it was out of force for 11 days! )?  If the latter, they did so without my consent. ( After I disputed this charge they sent me premium notices from XX/XX/XXXX -- policy already out of force -- showing a different premium schedule. They can not cahnge the premium schedule after the policy is approved and put in force. 

Much like term life insurance, charges are not payable for periods of non-coverage. As explained above, I paid for what was provided to me by Nationwide, and a bit extra. 
I understand by twice lapsing my policy I was not a great customer for Nationwide, but this does not give them the right to arbitrarily apply charges, or change premiums due, past the policy effective date. I can assure you I approved no such thing. 

Please get them to straighten this out.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Good Afternoon, Td bank USA/ XXXX credit card is the company in question. XX/XX/XXXX to XX/XX/XXXX I was reported late by this company to the credit bureaus. That is 7 late payments that I was never late for. At the time I was mailing my payments in. Unknown to me the checks I was mailing were not being delivered to the company. The mailman was stealing my checks and using my banking information for fraud. At the time I was going through a divorce and was not paying attention to my finances as well as I should have. I was approached my the post master general and told of the situation and told the person had been arrested for check fraud. I should not be held liable for this. I have paid this account on time for 5 years and have 7 late payments that I am not responsible for. The account is current and paid on time. Soon as I found out my checks were not reaching the company I paid them again and the account has been current for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: GA

Complaint narrative:
creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX  account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX  creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX balance:XXXX  creditor : XXXX XXXX XXXX account # XXXX balance : XXXX   creditor : XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX/XXXX  account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX  The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX XXXX , GA. XXXX XXXX XXXX XXXX XXXX, GA. XXXX THE FOLLOWING INQUIRING ARE UNAUTHORIZED : MORTGAGE REPORTERS BANK CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 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: GA

Complaint narrative:
creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX  creditor : XXXX XXXX XXXX account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX/XXXX  account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX  account # XXXX  balance : XXXX  creditor : XXXX XXXX XXXX   account # XXXX creditor : XXXX XXXX XXXX  account # XXXX creditor : XXXX XXXX XXXX  account # XXXX creditor : quick loan company account # XXXX balance:XXXX creditor : regional acceptance co account # XXXX balance : XXXX  creditor : XXXX XXXX  account # XXXX  balance : XXXX   creditor : XXXX XXXX/XXXX  account # XXXX balance : XXXX creditor : XXXX XXXX XXXX  account # XXXX The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX   XXXX  , GA. XXXX XXXX XXXX XXXX XXXX, GA. XXXX   THE FOLLOWING INQUIRING ARE UNAUTHORIZED : MORTGAGE REPORTERS BANK CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-02 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: NC

Complaint narrative:
I paid off an auto loan I had with XXXX XXXX XXXX, back in XX/XX/2013. I  demonstrated years of consistent on-time payments on this loan. However, it recently came to my attention that XXXX XXXX XXXX is reporting this account as a repossession. Nothing is further from the truth. This account was paid as agreed, and closed in good standing, over 5 years ago.

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 2018-08-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I paid off an auto loan I had with XXXX XXXX XXXX, back in XX/XX/2013. I  demonstrated years of consistent on-time payments on this loan. However, it recently came to my attention that XXXX XXXX XXXX is reporting this account as a repossession. Nothing is further from the truth. This account was paid as agreed, and closed in good standing, over 5 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 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: NC

Complaint narrative:
I paid off an auto loan I had with XXXX XXXX XXXX, back in XX/XX/2013. I  demonstrated years of consistent on-time payments on this loan. However, it recently came to my attention that XXXX XXXX XXXX is reporting this account as a repossession. Nothing is further from the truth. This account was paid as agreed, and closed in good standing, over 5 years ago.

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 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation
State: OH

Complaint narrative:
This company is repeatedly calling my sister at the phone number I provided on the previous page. I first returned the call from her number and then from my own. They were asking for personal information to verify my identity but they refused to tell me who the company was. I explained to them that my attorney advised my sister to file a police report for harassing phone calls and for me to file a complaint about them and not to give out any of my personal information, especially since they wanted my social security number. I also told them I didn't know who they were so I wasn't giving any personal information, especially since I believe these calls are related to previous calls to my place of employment and my family members where the individual was pretending to be from the county prosecutors office and said they would be sending someone out to pick me up. Not only at my place of employment but they also told my relatives that they would be showing up to look for me at their homes. I verified with the prosecutors office that this was not the case. After calling to ask they leave my sister alone and tell me who they were calling on behalf of, I was threatened with legal action against my sister and I was hung up on. They have also threatened my sister with legal action although they are the ones who are harassing her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
Twice since the start of my loan repayment I have had economic hardship. When calling Sallie Mae ( now Navient ), the only options that was given to me was forbearance or deferment. These options caused my overall loan to increase thousands of dollars by the end of the payment term. It has now been over 6-7 years on repayment and somehow many of my account balances are higher than the principle I started out with. Income based repayment was never offered as an option for me and would have been the best option for the financial situation I was in at that time. I feel that Sallie Mae never offered these because they just wanted to make more money off the borrower in the long run. The impact of forbearance or deferments were also never mentioned and proved to be a huge addition to my original loan amount for a couple months of hardship. 

Before my hardships, there were many times where I paid well more than the minimum payment amount. These payments were not allocated in a way that made my payments go down faster and somehow never made a difference after I had to file for forbearance.

Company response to consumer: Closed with explanation