vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 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: NC

Complaint narrative:
I am on a payment plan. I contacted XXXX last week about making a payment on XX/XX/XXXX for the XXXX month. They told if I do that then my account will not be showing late on the credit report. It shows 30-59 days late. I paid {$170.00} on XX/XX/XXXX. Please fix the error on the credit reports. On all three of them. Thanks!

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 2018-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have paid a good portion of my loans down and asked repeatedly for a change in the amount due as my income has dipped a bit. They have been unreasonable and are harassing me constantly, even when I still make the very high payments. If I try to pay a little less, my entire family receives phone calls asking for my whereabouts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MD

Complaint narrative:
On or around XX/XX/2018 I received several emails soliciting a Personal Loan via this Internet Lender. I fill out needed application and received a phone call from a female Representative of Amplify Funding. She ushered me thru the Loan signing process, claiming that she needed to get this done Quickly, If I wanted to get the Funds the same day and not have to wait until the following Monday. She put me on hold and shortly return with a {$750.00} Loan Approval ... ..half the amount of what I requested. ( {$1500.00} ) While we were reviewing the Terms of this Repayment, I complained that the monthly payment was very high at {$250.00} and she responded in saying that " I realize that this is an expensive form of borrowing, this is why we encourage you to pay the Loan of as soon as you can '' After struggling with the decision to move forward with this expensive Loan repayment, I decided to move forward with the Loan ( Dictated by my circumstance ) and that I would repay the loan on my next Pay Period ( 30days ). As a result, with in 10 days Amplify Funding was attempting to draft Funds out of my Account, when I called to ask why they are drafting Funds out of my account already ... ... I was told that my payment of {$250.00} which I adamantly argued was ridiculously high for a {$750.00} Loan was actually a Bi Weekly payment and not a Monthly Payment ... .and I was blown away. Amplify Funding 's Female representative had ample time to disclose this information to me regarding bi -weekly payments ... ... especially since I made such a fuss about the payment being to high and borderline Predatory. I was never told that this would be $ XXXX monthly Interest on a {$750.00} Loan ... ... this is totally unacceptable in terms of a repayment agreement ... ... I am paying back 68 % of the {$750.00} Loan in less than every 30 days.

How in the world is this Legal ... ... I am hoping that the CFPB will assist me in gathering the recorded conversation of this call ... ..and review the Representatives neglect to inform me ... ... of the Actual Terms of this Loan. By the time I was able to go back and review documents ... .money had already been transferred into my account and I could not get anyone to answer the Phone # I was given. I was rushed through this process ... ... and not made totally aware of the actual terms of this Loan and its repayment.

Please Advise ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
I never received a certified letter stating to cure a default on car loan which caused a repossession of the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.

Complaint narrative:
on XX/XX/XXXX18 too my dog to be treated for XXXX dr did XXXX XXXX on him and said he found nothing wrong with him. So I took my dog to a other vet clinic and that dr prescribed him XXXX I disputed with Citi bank two times and last dispute they told me if I got a letter signed by his last vet dr who took care of my dog he put him in XXXX. They told me if I send them letter signed by his last dr they would give me credit and they lied. I still have the charge in my account and that is why I contacted cfpb I hope you understand my situation and please help me I feel is not fair to pay XXXX when that dr didnt even take care of my dog all he did is test and said theres nothing wrong with him. so why did last d prescribed him with XXXX if there was nothing wrong with him. This the reason of my dispute I refuse to pay this merchant for his bad incompetence services. and he also send me a letter stating to never put foo in his clinic I feel that is like a threat and very unprofessinal. Thank you hope you understand 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 explanation
Consumer complaint received 2018-10-15 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: Ditech Financial LLC
State: NY

Complaint narrative:
Di-Tech is the company and the way they conduct themselves is beyond comprehension ; Rude and unprofessional. They reported loan number as being late twice and that account number does not exist.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX18 I noticed a credit inquiry I do not recognize. 
I ask that the following Inquiry be deleted from my credit report : XXXX XXXX In addition I request that each CRA provide the source documentation used to verify the validity of this reporting.

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 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX18 I noticed a credit inquiry I do not recognize. 
I ask that the following Inquiry be deleted from my credit report : XXXX XXXX In addition I request that each CRA provide the source documentation used to verify the validity of this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian received bank statement that reflects balance is/was below credit line under XXXX XXXX XXXX XXXX acount. There were unauthorized charges made on the account that was refunded by 3rd party. Experian has my credit score below 600 with proof sent by consumer credit usage incorrect at 101 %

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 2018-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
My elderly mother received a letter in the mail from XXXX XXXX XXXX XXXX about a debt that she didn't even know was for. They never told her what exactly it was for when they called several times. She went to the ER a few nights later and spent 3 nights in ICU ( its on record ) and she got home and they still kept calling her. She told them she was in the hospital and they didn't seem to care. They wanted their payment immediately and insisted she give them her routing and checking number. I feel like we should have rights to stop them from bothering while in such poor health.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i deposited a check from my sisters school and they put a hold on it like nornal but a few days later they just closed my account i provided with the proof they asked me for and still closed it messing up my direct deposits i had just done and my checks just cashed into the account causing financial hardship and the worst the way they made me feeli worst than a delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took out a private student loan with XXXXXXXX XXXX in XX/XX/XXXX to attend the University XXXX XXXX. I've been in school on and off part time to full time since that time and have been in and out of in-school deferment with that loan. It was recently sold to Navient in XX/XX/XXXX when I was enrolled full-time and was in an in-school deferment. In XXXX, I was informed I would no longer be in deferment for that loan since I was not enrolled in classes over the summer and contacted Navient. They informed me my only option to avoid repaying my loan was to go into forbearance for the loan for three months until I started school. I was told I could go back into in-school deferment at that time. From XX/XX/XXXX, until XX/XX/XXXX, I was in forbearance. A payment was billed to me at the time and I started school again full-time on XX/XX/XXXX. My loan still hadn't been put into in-school deferment as of XX/XX/XXXX, so I contacted Navient and they verified I was in school and applied for an in-school deferment. On XX/XX/XXXX, I received an e-mail stating I was not eligible for deferment with no reason given. On XX/XX/XXXX, I contacted Navient again and spoke with a specialist who informed me my deferment time had expired in XX/XX/XXXX. This is misinformation as I was told the only option I had in XXXX was to go into forbearance. Deferment should not have expired if I was forbearance or I should have been told deferment was an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Motolease, LLC
State: TX

Complaint narrative:
Last month, I filed a complaint against Motolease because they were reporting inaccurate information on my credit file. They continued to report my account as active and delinquent, despite the fact that the account has been closed for quite some time now. They responded to the complaint, and stated that they would correct the account on my credit profile. To date, this correction has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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:
Do not recognize this account and it is damagaing my reports

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 2018-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
In XXXX, I was unemployed and self employed. I attempted to forebear some of my payments and Navient would not allow it. I filled out hardship and forbearance requests and was denied. In XXXX, received Loan Repayment Assistance from my former employer. The company would not let me make payments on defaulted Loan to avoid negative credit reporting. I have paid off one of my private loans in XXXX but was not allowed to make payments on the defaulted loan. The loan has since been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Regional Management Corporation
State: TX

Complaint narrative:
this account has been disputed and removed once for errors and it keeps showing up on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I was alerted through XXXX that a negative item was placed on my credit report and needed to be reviewed. Upon logging into the XXXX   XXXX XXXX   portal, I was alerted that FBC Mortgage has reported a account as 30 days past due. FBC sold my previous account to XXXX XXXX in XX/XX/2018. All payments prior to the sale of the loan were made on time or before schedule. I contacted FBC today and spoke to a customer services representative who informed me that yes, in fact FBC did report inaccurate information to the 603p bureaus. I asked for this to be corrected as it is the duty of the furnisher to ensure accurate information is reported to the bureaus. I do understand that FBC has 30 days to perform a re investigation as to the inaccurate reporting. However, I was told that I needed to provide complete copies of my personal credit report to FBC so they can do the re investigation. I should not have to provide proof to the lender if they reported the information inaccurately and they are the ones who have a contractual business relationship with that bureau ( s ). The customer service representative stated on a recorded line that in fact it was FBC 's mistake and was reported incorrectly. If I sent my complete credit report to them via fax or mail, once they received it, they would review my claim. 
My concern is that if I needed to apply with a lender and they saw a possible " 30 days past due '' on a real estate loan, that I would be considered high risk when in fact I am NOT and NEVER WAS past due on that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please correct all the dates that the account is showing delinquent when it is not for me and my cosigners as well. One date that is wrong is XX/XX/XXXX. It shows late payments when it was not late. Please correct the late payments between the year of XXXX - XXXX for me and for my cosigners as well.

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 2018-10-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please correct all the dates that the account is showing delinquent when it is not for me and my cosigners as well. One date that is wrong is XX/XX/XXXX. It shows late payments when it was not late. Please correct the late payments between the year of XXXX - XXXX for me and for my cosigners as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: NC

Complaint narrative:
Please correct all the dates that the account is showing delinquent when it is not for me and my cosigners as well. One date that is wrong is XX/XX/XXXX. It shows late payments when it was not late. Please correct the late payments between the year of XXXX - XXXX for me and for my cosigners as well.

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 2018-10-15 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: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
I have set up a payment arrangement with the credit card company. Please report accurately on the credit report that the account is getting paid as agreed. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
On Sunday XX/XX/XXXX I shopped online at XXXX due to a sale ending that day. I added two mattresses and two box springs to my cart. Next to the box springs was an add showing 12 month financing available with credit approval ( see screenshot ). I clicked on that and was brought to an add showing " Open a XXXX XXXX Credit Card account & SAVE 20 % today & tomorrow up to a total of {$100.00}. '' Because my items were expensive this sounded like the best and most cost-effective way to purchase them and nothing about the adds made any exclusions about online shopping. 

I applied for and was immediately approved for a XXXX XXXX XXXX card with a {$1000.00} limit. I also saw the inquiry and card ping on my credit monitoring service. 

I proceeded to go to the cart to check out and use my new card and the transaction would not process. It showed an error and told me to call XXXX XXXX. I called and spent 55 minutes on the phone with five different  people. The first three tried to help and couldn't and put me through to other departments. The last two were in credit services : XXXX XXXX XXXX ID XXXX XXXX, in credit services told me that it's a glitch in their system that doesn't let people use the card until they receive it in the mail. I told her that is unacceptable as I opened the card solely to use for the XXXX purchase that day. She told me there was nothing she could do. I asked to speak to a supervisor. 

XXXX was the last person I spoke with, a credit supervisor and he let me know that due to a system error I couldn't use the credit card I just opened to make the purchase online, that I would have to try to go to a XXXX XXXX store before the end of the day. I explained that was not possible nor acceptable and that their details on the card state differently : " The new account discount ( the Discount ) is valid on merchandise purchases made at XXXX, XXXX XXXX and XXXX the day you are approved and the following day and charged on your new XXXX Credit Card account. '' ( also see screenshot ). 

I never would have opened a credit card had I not been able to use the card to make the online purchase. No where did it indicate that it would not work or that there was a " system glitch ''. Now my credit has been affected negatively, I was unable to purchase the items at the sale price, and I am left with a credit card account I don't want as XXXX XXXX customer service is horrible and I would NEVER make a purchase there based on this experience.

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 2018-10-15 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: NY

Complaint narrative:
I am submitting this complaint about experian credit reporting agency. I have been disputing an account " XXXX XXXX XXXX '' that is reporting on my experian credit report for months now. To reach a live rep at experian was extremely difficult and I am unable to file another dispute online as the system will now allow me. This account has fraudulant charges on it from a few years ago. I disputed it with all 3 credit reporting agency 's XXXX did there investigation and it was deemed that the charges were fraudulant so the account was removed off my XXXX credit report however experian is still reporting it. Having this information report is affecting my credit score in a negative way. I do not owe this money as the card was stolen and fraudulant charges were made on it. I am consistentaly disputing this account. My biggest question is if XXXX received verification to delete it off my report why isn't experian receving the same response? I do not no what is reporting on XXXX as I haven't been able to view a current report from them either. I requested an updated XXXX report but never receveid one.

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