vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents Equifax ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX COLLECTIONS XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I accidentally did a mobile deposit check and now Im having problems opening a new account for my husband paychecks. Please can you help me with this matter I didnt know it was a fraud check. The amount was XXXX and something

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 2018-05-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
LastXX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX Ref # XXXX XXXX COUNTY OF   XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX. 
It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I sent a letter to transunion from the bankruptcy court in regard to a bankruptcy reporting on my credit report stating that they dont give our public record to the credits bureau. In response to the dispute transunion sent me a letter stating that the information was inconclusive from what the letter state

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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
LastXX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX Ref # XXXX , COUNTY OF XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.

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 2018-05-04 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: AES/PHEAA
State: VA

Complaint narrative:
CFPB, I believe that the Pennsylvania Higher Education Assistance Agency ( PHEAA ) through XXXX is failing to adhere to 34 CFR 685.209 in calculating monthly payments under the Revised Pay As You Earn ( REPAYE ) program. 

I have provided them with a XX/XX/XXXX tax return, which contains my IRS calculated AGI and would result in a REPAYE payment of around {$300.00} per month. Nonetheless, they have on various occasions refused to review that IRS documentation and have insisted on relying on pay stubs to calculate my payment, which they have most recently calculated at {$390.00}. 

On XX/XX/XXXX, I received an official email from XXXX stating that my monthly payment would be {$300.00} only to receive another email a day later stating the payment had been recalculated to {$490.00}. 

I have already reached out to the Office of Consumer Advocacy at Pennsylvania Higher Education Assistance Agency ( PHEAA ) and XXXX at ( XXXX ) XXXX stated that he agreed that per 34 CFR 685.209 my payment should be {$300.00}, but he appeared unable to have the payment correctly recalculated. 

For reference 34 CFR 685.209 states the following : ( 2 ) Terms of the Revised Pay As You Earn repayment plan. 

( i ) The aggregate monthly loan payments of a borrower who selects the REPAYE plan are limited to no more than 10 percent of the amount by which the borrower 's AGI exceeds 150 percent of the poverty guideline applicable to the borrower 's family size, divided by 12, unless the borrower 's monthly payment amount is adjusted in accordance with paragraph ( c ) ( 4 ) ( vi ) ( E ) of this section. 

As shown in my XX/XX/XXXX tax return, I have an AGI of {$54000.00} which would result in a monthly payment of {$300.00} for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This Capital One card was being used for my business. On XX/XX/XXXX the business closed down due to lack of income. I closed the Capital One account approximately one year ago and was making payments on it up until XX/XX/XXXX. They refuse to lower interest rate. I have offered to try to pay them in full if they would possibly remove some of the penalties and interest. I was told on XX/XX/XXXX by  XXXX ( accounts manager ) that my principal on this card is XXXX, however she told me that they didn't offer any settlements. So I am expected to pay {$25000.00} by XX/XX/XXXX. I have made multiple attempts to settle with them, but they will not budge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had account with Capital One for over 15 years, and I always paid my balance in full at the end of the month This year my family member was in the hospital and I missed the XX/XX/XXXX payment. Next month, my daughter promised to pay but forgot to do so, so there was a late fee and interest on the statement. I paid it all in full, and even pay extra, so the balance went to a negative number, however, at the end of the month I received another statement with more interest charge! When I called, the representative told me that it takes " few months '' to clear the interest even when the balance went back to 0. Is this even legal? He refused to cooperate and I had to go through the trouble of reassigning the automatic payments to a different card, and closed the account through the automatic system. However, I still believe that the extra interest shall be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: Kriya Capital, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX I received alerts on my credit a company had added collection account to my report. I never received a dunning letter for me to validate the debt or answer to the debt. I immediately sent a letter requesting proof of ownership of the debt, and proof I owed the debt as I do not owe any money to either companies. The company sent me a letter dated XX/XX/XXXX staying they would cease collecting on this account until they can prove validity. Then three days later they send out another letter stating its valid. They never sent me any information, contracts or proof I owe the debt. I have sent out a additional letter asking them to please remove this debt. I do not owe it. Nor did they validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: NJ

Complaint narrative:
Transunion reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess

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 2018-05-04 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: IL

Complaint narrative:
I have disputed a public record item ( Bankruptcy ) on my credit report that does not belong to me through all there major credit bureaus ( XXXX, XXXX, EXPERIAN ) and after their investigations both XXXX and XXXX deleted the public record ( Bankruptcy ) but Experian is claiming that after their investigation the did not delete the item because they verified that it belonged to me.. After getting these results from Experian I contacted Bankruptcy court and they told me that they do not provide any credit bureaus with any information regarding bankruptcy filings so I then disputed it again sending them the information that I received from Bankruptcy Court and requesting that they provide me with the methods used in their investigation process to help me to understand how they verified this information if I Bankruptcy Court doesn't provide this and they have failed to respond. I have requested that Experian remove this inaccuracy from my credit file and they have yet to it.

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 2018-05-04 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: Leaders Financial Company
State: NJ

Complaint narrative:
XXXX  reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess

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 2018-05-04 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: NJ

Complaint narrative:
XXXX reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After my credit card was used fraudulently, I initiated a fraud alert with XXXX on XX/XX/2018. 

Yesterday, I received a mailed card from TransUnion that the alert was added to my TransUnion credit report. I called the phone number on the card ( see attachment ) to  get a copy of my credit report. However, the voicemail prompts were for getting the annual free report, not the report entitled by the fraud alert. 

I called the CFPB. A representative gave me another number to try ( noted on the attachment ). I encountered the same voicemail prompts. 

There is no way to talk to a human to resolve such issues at any of the credit reporting companies. They should be forced by law and regulation to do this.

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 2018-05-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is to file complain against CHASE CARD. 
Opened XX/XX/2015, Credit limit {$11000.00}, Balance {$12000.00} I never Opened this account, Chase are reporting this false information, on my credit file XXXX, i called them many times, but they wan na help, or provide me with proofe i opened account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
This is the most recent complaint that I am sending concerning XXXX. In the past I have attempted to " pay '' the loan off early on to discover that the monies were moved and applied to places that I still have no clarification on to this day. I submitted a complaint to IDPR in connection with this predator lender and nothing has come to this. I designated a XXXX draft from my account which would have brought my account below XXXX Have been paying this way for a few months only to discover that the company drafted it's own amount of XXXX. In the past my payment agreement has been changed to lesser months with higher interest rate. I complain to CFPB constantly and only get feedback from company that never answers my concern such as why were the terms changed without my approval seeing that I signed a 53 month agreement and now this! This is something that the bureau really needs to look into about this company ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have lodged disputes with Chase and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, and followed up in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
On XX/XX/XXXX @ XXXX XXXX XXXX XXXX received a certified letter requesting debt validation. This company failed to respond to the letter. On XX/XX/XXXX @ XXXX I called & spoke with a XXXX representative in regards of the XX/XX/XXXX XXXX XXXX. The representative informed me that the vehicle was auctioned off on XX/XX/XXXX ( shortly after repossession ). On XX/XX/XXXX @ XXXX XXXX XXXX XXXX received a 2nd certified letter informing them that the account was in dispute due to the companys failure of proper notification of intent to sell the vehicle per state law. The letter requested proof of notification within 14 days ; if no proof was provided the alleged claim of deficiency is null and void. As of XX/XX/XXXX XXXX XXXX XXXX hasnt responded to either of the certified letters sent.

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 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
A few months ago I ordered a credit report and noticed that I had a new collection on file from AARGON agency, I immediately made contact with AARGON agency and told them that this information was incorrect. I mailed them several letters and put in several disputes online as well. This account is not mine and I don't appreciate them sending my personal information out, violating my HIPPA rights. In another complaint this company mentioned something about an identity theft package. ( which I never received ) I have attached 2 separate identity theft packages, one that dates all the way back to XX/XX/XXXX and a more current one from XX/XX/XXXX! This debt is not mine. This company is failing to validate the information in which they are trying to collect on. I have been trying for several months to receive validation of this collection in which they are saying is mine.Please be advised I have requested " validation '' not verification of the item reported by the above collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, Aargon Collection Agency did NOT provide me with a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. Please help me with this 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 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one gave a pre-approval offer. Credit did not change, all details were verified but still came back as a decline, from what the agent said i should never had received an offer in the first place. This is in breach of firm offer of credit under FCRA. I provided verification of income and all other relevant details and my profile had not changed at all between the times. Misleading advertising and impossible to have received the offer. Hard inquiry placed based on misleading offer that was unachievable for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
The mortgage was paid in full on XX/XX/18, discharge has not been received by the county to release the lien

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am a co-signer on three of my daughter 's student loans serviced by Navient. I make several payments monthly to them using two different credit unions ( call them A and P ), both of which are listed on my account with Navient. On two recent occasions, I have made payments to them *after selecting the account from which to make the payment* using the " Make a Payment '' button on their website. On both occasions, they took the payment from an account other than the one I'd selected. The most recent payment ( confirmation number XXXX ) was made on XX/XX/XXXX for {$1400.00}. Their on-line system properly applied the payment, apportioning it correctly as I had designated among the three loans. However, they took the payment from A rather than P as I had selected. I called them today to find out what had happened -- they said their system only showed it " had come from you, '' but not which account had been used. Their on-line system also does not show from which account the payment had been made. The representative with whom I spoke suggested that they'd taken it from the " default account '' -- but their on-line system does not designate either A or P as " default. '' She then asked if I'd like to set up regular payments, which I don't as I want the freedom to make payments at times and from the account of my choosing. As a result of their " mis-applied '' payment, I may incur overdraft penalties from A, but I think I now have that situation covered. They need to fix their system by ( 1 ) disclosing the " default '' account they plan to use ( if indeed that's how they operate ) ; ( 2 ) showing the account from which a payment will be withdrawn, ESPECIALLY if it's NOT going to be the one selected using their on-line system ; and ( 3 ) sending on-line users a confirmation e-mail for all payments that include both the amount and source of payments. It's absolutely ludicrous that neither their on-line system nor their phone representatives can tell consumers the source used for payments. I will probably delete one of the two accounts on their system, giving them only one option from which to withdraw payments, rather than count on them to accurately debit payments from the account I've selected.

Company response to consumer: Closed with explanation