vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been trying to obtain my credit reports online but I am receiving very confusing and wrong instructions as to the reasons why the credit reporting agencies can not comply. 

At one point during the online identification process I was asked several questions with multiple choices answers related to past addresses and entities I had done business with. While answering those questions I noticed that none of the answers regarding entities I had done business with relate to me. I had to choose a response saying " none of the above ''. 

Most of the multiple choices answers were about accounts opened over the past 10 years. I did not open any accounts whatsoever in the past XXXX years. 

I believed there was some kind of mistake so I tried again with a new browser session, but on my second attempt did not even have the option to answer the multiple choice questions. The XXXX website immediately instructed me to mail the form to request my credit reports. 

I need those Credit Reporting agencies to treat me with the same level of professionalism, not making it any more difficult for me to obtain my credit reports online, in the same manner they would to most people in my situation.

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 2018-09-01 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: NY

Complaint narrative:
I have been trying to obtain my credit reports online but I am receiving very confusing and wrong instructions as to the reasons why the credit reporting agencies can not comply. 

At one point during the online identification process I was asked several questions with multiple choices answers related to past addresses and entities I had done business with. While answering those questions I noticed that none of the answers regarding entities I had done business with relate to me. I had to choose a response saying " none of the above ''. 

Most of the multiple choices answers were about accounts opened over the past 10 years. I did not open any accounts whatsoever in the past XXXX years. 

I believed there was some kind of mistake so I tried again with a new browser session, but on my second attempt did not even have the option to answer the multiple choice questions. The XXXX website immediately instructed me to mail the form to request my credit reports. 

I need those Credit Reporting agencies to treat me with the same level of professionalism, not making it any more difficult for me to obtain my credit reports online, in the same manner they would to most people in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: NY

Complaint narrative:
I have been trying to obtain my credit reports online but I am receiving very confusing and wrong instructions as to the reasons why the credit reporting agencies can not comply. At one point during the online identification process I was asked several questions with multiple choices answers related to past addresses and entities I had done business with. While answering those questions I noticed that none of the answers regarding entities I had done business with relate to me. I had to choose a response saying " none of the above ''. Most of the multiple choices answers were about accounts opened over the past 10 years. I did not open any accounts whatsoever in the past XXXX years. I believed there was some kind of mistake so I tried again with a new browser session, but on my second attempt did not even have the option to answer the multiple choice questions. The XXXX website immediately instructed me to mail the form to request my credit reports. I need those Credit Reporting agencies to treat me with the same level of professionalism, not making it any more difficult for me to obtain my credit reports online, in the same manner they would to most people in my situation

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 2018-09-01 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: GA

Complaint narrative:
Many times delayed that is being accounted on my credit report seems inaccurate and or misleading.

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 2018-09-01 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: AES/PHEAA
State: GA

Complaint narrative:
Many times overdue that is actually stated on my credit report does seem inaccurate and or confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: NC

Complaint narrative:
Navient has crippled my future by giving me a loan I should have never been able to take out. 
The loan in question is an XXXX in the amount of {$26000.00}. I took this loan out while still in school with little to no income. No co-signer. I fail to see what they determined then I would be able to pay that with? 
I have currently {$110000.00} in student loan debt from XXXX SCHOOL. I graduated in XXXX during one of the worst recessions in history. They have set me on a path that has had devastating consequences for my financial future and my confidence to ever get ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I went to cash a check at Arvest Bank. The teller asked me to open an account. 
He had me go to an office to answer questions I had before opening the account. Of most importance if SSI deposits were available to customers as quick as XXXX or XXXX XXXX XXXX. He assured me they were, and said at latest Arvest may post one day later. On XX/XX/XXXX XXXX XXXX XXXX and XXXX made available to their accounts the money from SSI. When I did not receive mine by XX/XX/XXXX I called Arvest and asked why not yet, and I was informed Arvest wont post SSI until XX/XX/XXXX. I explained that is not what the guy at the bank told me when I opened my account. I explained my water would be shut off, I would hhave to go without water til the money post, and I am a full-time single dad, thats not easy to go without water. In addition I would also have to pay the disconnect and reconnect fees. When I spoke to members at the bank I was told by two tellers that informed me they are pushed to get as many people as possible to sign up for accounts. I feel the teller who signed me up for the account was pressured to get me to sign up and was going to say what I needed to hear to make it happen. When I spoke with the branch manager she assured me they don't have quota for tellers but wouldn't comment if they are pressured or asked to get everyone to sign up. I would of never been without water for 3 days if it wasn't for the pressure put on the teller or the deceitful tactics to get me to sign up. This cost me the disconnect fee and reconnect fee. Their should not be pressure for tellers to sign up accounts and tellers should not be deceitful.

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 2018-09-01 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to Wells Fargo to open a joint checking account on XX/XX/XXXX. I was turned down by there XXXX because Wells Fargo was reporting that I had a charged off credit card with them and owed them money. The banker contacted the credit department and the recovery department both showed I paid off the account in XXXX. When you review my credit report it also shows that I paid off the credit card in XXXX. After over an hour on the phone, the banker was unable to resolve the issue and said they would need to refer it to an escalation team. 

This seems to be a new error that has popped up because I was able to open a new checking account with Wells Fargo back in XXXX which would have been after the supposed nonpayment on this credit card.

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 2018-09-01 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: PA

Complaint narrative:
XXXX XXXX continues to falsely report my credit to the companies, which is resulting in inaccurate reporting. I have reported this issue with Equifx and XXXX, yet the false reporting continues. Every customer service representative that I have spoken to has confirmed that I have never been late on my auto draft payment. The accused late payment is XX/XX/XXXX. This account was reported up to date until XX/XX/XXXX or XX/XX/XXXX ( depending on the company being reported to ). This error has taken my credit score down significantly and XXXX refuses to fix their error, as do the credit bureaus. I have sent proof of payment in the form of a PDF showing the payment was withdrawn from my banking account on time and that XXXX posted it to their site on time, too. None of this has seemed to matter. I will attach this evidence here once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
on XX/XX/XXXX i was a victim of a data breach involving XXXX. then agian in XX/XX/XXXX with XXXX XXXX   and equifax..letters, police reports and ftc idenity theft affidavits were submitted to all three major credit reporting agency.on XX/XX/XXXX. i recieved an update from XXXX showing the removable ( deletion ) of the fraudulent accounts, report number XXXX-XXXX-XXXX from XXXX. in XX/XX/XXXX equifax and XXXX placed the accounts back on my report dropping my credit score from XXXX to XXXX without authorization.this is a clear violation under the laws of the frca section 605 ... blocked information accompanied by a police report can not be re posted.agian the CRA failed to send me any verification from the furnishers.this is a violation according to title 15 u.s.c section 1692 ( b ) of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about ANY DEBT, 1.they must have a post judgment from a court of competent jurisdiction, or 2. prior consent from the consumer giving express consent rto a court of competent jurisdiction.this is a violation of the New York General business law sect.349- DECEPTIVE TRADE ACTS, section, 380s- identity theft, title 18 u.s.c 1028.also Title 15 U.S.C. 1632- Form of disclosure ( 2 ) Creditor to provide contracts to the bureau, as defined under title 18 U.S.C. section 1030- Access. the reporting agency did not follow laws under title 15 U.S.c. 1681s-2 ( a ) -Duty of Furnishers of information to provide Accurate Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Hyundai XXXX continues to falsely report my credit to the companies, which is resulting in inaccurate reporting. I have reported this issue with XXXX and Hyundai, yet the false reporting continues. Every customer service representative that I have spoken to has confirmed that I have never been late on my auto draft payment. The accused late payment is XX/XX/XXXX. This account was reported up to date until XX/XX/XXXX or XX/XX/XXXX ( depending on the company being reported to ). This error has taken my credit score down significantly and Hyundai refuses to fix their error, as do the credit bureaus. I have sent proof of payment in the form of a PDF showing the payment was withdrawn from my banking account on time and that Hyundai posted it to their site on time, too. None of this has seemed to matter. I will attach this evidence here once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX card was sold to XXXX, XXXX XXXX XXXX XXXX. phone number is XXXX. Ext. XXXX. My credit report says collection should say settled and paid in full. Not a collection. Remarks need to be put in as settled and paid in full. Thx 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 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The original owner was XXXX XXXX sold to portfolio recovery associates XXXX. I settled and paid in full with portfolio recovery. I need portfolio recovery as well as XXXX XXXX to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The original owner was XXXX XXXX sold to XXXX XXXX XXXX XXXX. I settled and paid in full with XXXX XXXX. I need XXXX XXXX as well as XXXX XXXX  to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx 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 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The original owner was XXXX XXXX  sold to XXXX XXXX XXXX XXXX. I settled and paid in full with XXXX XXXX. I need XXXX XXXX as well as XXXX XXXX to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx 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 2018-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a TD bank account which was improperly handled and was changed without my permission from a student checking to a convenience checking account which by there own guidelines I am still eligible for ( the student checking ). 
Because of this I am being hit with approximately XXXX $ every time my account drops before XXXX . This is causing significant financial difficulty because Im on short term XXXX right now and have high medical bills from XXXX I had. I just thought the government should be aware of whats going on with TD and there shady business model with being coninously hit with overdraft fees while being less than a dollar short and multiple fees that are the result of not having enough money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX sold the store card to XXXX XXXX XXXX XXXX. I called. XXXX XXXX - XXXX is their number I called XXXX XXXX who claimed they had this account and was sold to them. I need XXXX XXXX to comment on this account that it is settled and paid in full. It is not a charge off or collection. Remarks need to say please, or comments settled and paid in full. Thx. 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 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  sold the store card to XXXX XXXX XXXX XXXX. I called. XXXX XXXX - XXXX is their number I called XXXX XXXX  who claimed they had this account and was sold to them. I need XXXX XXXX to comment on this account that it is settled and paid in full. It is not a charge off or collection. Remarks need to say please, or comments settled and paid in full. Thx. 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 2018-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have unsubscribed from all marketing and commercial emails from XXXX. However, they sent me a commercial email today with no option to unsubscribe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Freedom Chase card was closed without my consent, which harmed my credit score greatly. I tried to call them back to re-open the account and they said no. 

Once they decided to close it there was nothing I could do because they gave me no other options. 

This card was my oldest card and now it appears that I practically have no credit history, which is false. 

I just really want this card reopened because I plan to purchase a home but with my current FICO score it is going to be more difficult for me. 

I have attached a statement of the credit card that I am referring to below. 

Thanks, XXXX

Company response to consumer: Closed with explanation