vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC
State: OH

Complaint narrative:
XX/XX/XXXX made an extra payment to be applied to my principal balance. 

XX/XX/XXXX checked my account- part of payment was used to pay off interest and the rest was applied toward principal. My account showed my next payment lower than my normal amount. called and asked why this happened after I selected the setting for the payment to go directly to loan amount and not my next payment. They advised me they would fix it no problems. 

XX/XX/XXXX received an email saying my payment would be returned. checked my account the payment showed in their system as they had received it and checked my bank account and it showed they had taken the money from my account. my next payment still showed the same amount as yesterday. called and they said disregard the email and to give it another day or 2 for the account dashboard to show the proper information. 

XX/XX/XXXX - Dashboard still showed the same amount and the transaction log showed multiple instances of returned funds and then applied payments. My payment for the following month still showed a lower amount than what I normally pay ( the difference was the extra payment I asked to be applied on XX/XX/XXXX ). Called and asked why hasnt the changed applied was put on hold for around 15 min. When they came back to the phone they said they had fixed it. My next payment was the same amount as always but then when asked why did my principal balance not go down they could not give me a straight answer. Once this fix had gone through I noticed my minimum payment was raised to XXXX. The difference was the same amount as my extra payment. When I asked about this they had no idea what I was talking about and made it seem as if I was making this number up. It seems as if they raised my minimum amount just to make sure that the amount due next month was the same after my extra payment. They also informed me all extra payments go first to paying off outstanding interest and then applied to the principal. When asked again why i never saw my principal drop at all after these payments they said you have interest accrued. I asked why these didnt show up on the transaction history to verify the amount on the principal loan balance is correct I was answered with silence. 

Screenshots of everything that occurred on XX/XX/XXXX are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: GA

Complaint narrative:
XXXX notified me that a dispute was processed on my credit account. 
I did not file a dispute and I can not get to a live person to correct this issue. 
I called 6 different numbers at XXXX and the automated answer machine does not understand and all i get is we can not process your request. 
There should be access to a live person for help. I can not get access to anyone who can help. 
I am sure the same information has been sent to the other credit bureaus and I need live contacts. Transunion, 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 2023-04-21 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:
XXXX notified me that a dispute was processed on my credit account. 
I did not file a dispute and I can not get to a live person to correct this issue. 
I called 6 different numbers at XXXX and the automated answer machine does not understand and all i get is we can not process your request. 
There should be access to a live person for help. I can not get access to anyone who can help. 
I am sure the same information has been sent to the other credit bureaus and I need live contacts. XXXX, Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello Good morning My name is XXXX XXXX XXXX, I'm writing to dispute the address that appears on my credit report. 

My Correct Address is XXXX XXXX XXXX, XXXX, FL XXXX, I am requesting to fix it for it to read that address. 

Please attach you will see driver licence and Social Security Number. 

Thanks so much

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

NY CHILD SUPPORT ENFC. 
ACCOUNT NUMBER XXXX XXXX5 USC 1681 SECTION 602 A. states I have the right to privacy.

15 USC SECTION 604 A. also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 S-2 ( A ) ( 5 ) SECTION STATES no consumer reporting agency may make any consumer report containing any any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe to believe that the information is inaccurate.

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 2023-04-21 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Trying to get my report and freeze my report with DataxLTD. They appear to have a process which is better than what I'm running into with the other CRAs. Their process requires me to fill out sensitive information and physically mail it to them. I dont necessarily feel comfortable filling out all of my sensitive information and emailing or physically mailing them copies of my drivers license ( or worse ) or filling out a piece of paper with all my info. I thought these companies were required by law to give me my report? Below is their latest reply but I will attach the email chain as well. 

Dear XXXX XXXX : Thank you for contacting DataX. For your protection, we only process Consumer Requests through the mail. If you would like to track your documents to see when they are received, you may certify your mail via USPS Mail. 

We are an information service provider that provides data into consumer payment history for the non-prime lending community. We are a Bureau ; however, the information we provide does not assist or adversely impact your credit as it is reported by the three traditional major credit bureaus. As a credit reporting agency, we do not make credit decisions and we are unable to provide specific reasons for the adverse action. We only provide information not credit scores. 

To keep your personal information protected and secure, we ask that you mail completed forms and related documents to the address provided below : DataX LTD XXXX XXXX XXXX XXXX, GA XXXX Completed Freeze requests must be mailed to the following address : DataX LTD XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have an overpayment on my credit card that I have been trying to get refunded to me for {$1000.00}. I contacted my credit card via chat on XX/XX/XXXX to request this refund. My chat got disconnected and I reached out on XX/XX/XXXX via phone to verify that the request went through. I was told it did and that it'd take approximately a week from the request date. 

On XX/XX/XXXX, I contacted them again via phone without any results. They still owe me a refund of {$1000.00}. 

I've spoken with them again XXXX, XX/XX/21, via chat. The representative, XXXX, stated that my original refund request was denied due to an open dispute. The dispute was closed on XX/XX/XXXX in my favor when the vendor refunded the full purchase amount. I do not know why Citi is still refusing to refund my overpayment.

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 2023-04-21 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I sent a validation dispute to company to provide me proof of late payments which i have yet to receive payments were never late instead company added late payments for XXXX and XX/XX/2021 as 60 and 90 days late when it was current I am asking for these payments to be marked " payments never late '' as they never where late thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have hard inquiries that I never applied for I dont apply for anything because Im not interested in getting any of that credit stuff

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 2023-04-21 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: MO

Complaint narrative:
Experian is continued to violate my consumer rights and slso bypass and disregard all ruele and regulations and procedures. I continue to reports to the CFPB and show my proven records of this company that ignored the law. Something seriously need to get done and i feel as a consumer I am constantly being lied to and tried any kind of way alll because of what this compay continue to report on my credit file even when i dispute items they pick and choice what items they want to dispute or remove. The items they say that i have previous disputed will not be disputed or removed because the creditor has verified that the information is correct but i continue to show proof to what the bureause are saying are lies. I continue to show updated credit reports to were the bureaus say they verified accounts but the account are still the same with no updated but just heresay so i want get the account removed. I have sent lettrs explaing the metro 2 law, 15 USC 1861 law and still the bureause dont do anything but say they are reporting correct information. So I have continue to upload documents to what i have sent and then the corresponse I get from the bureau.I got information to show proof of different bureaus removing accounts off my credit but Experian continue to lie and say they verified the account and I ask them like who verifid what?

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There are multiple errors in the listing that are damaging to me including, balance, payment status, and a date of last payment. JPMCB claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I wrote to Transunion requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.

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 2023-04-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I noticed a few unauthorized inquiries on my XXXX credit report pertaining that I would like removed regarding the following : XXXX  XXXX Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account with them. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

JPMCB - Auto Finance Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX Inquiry Date : XXXX XXXX, XXXX The company stated that I would need to contact the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX and my credit file number with Transunion is XXXX. I have written TransUnion credit bureau more than once concerning this problem of incorrect addresses on my credit file and other incorrect personal information on my credit file. They are reporting my childhood address as well in which I have not lived in over 30 years. I have asked them over and over to remove address and they REFUSE TO REMOVE INCORRECT ADDRESSES. I am requesting again. Transunion gives all kinds of excuses why they refuse to remove extra addresses. I have attached a copy of my ID and my Social Security card. Ive also attached a copy of mail thats dated with in the same month we are in now which is XX/XX/XXXX. I am the consumer this is my consumer credit file and I should know what should be on my credit file or not definitely things or addresses or items from years past should not still be appearing in XXXX. Hopefully this information will not be outsourced like everything else. In other countries like XXXX, XXXX AND PLACES IN XXXX XXXX with all of my personal information being compromised. Thats the other thing Consumers information has been compromised through Trans Union at no fault of our own. They are willing to outsource our information TO STRANGERS and refuse to believe who we say we are even when they have been given evidence of our identity. I have asked TransUnion several times to REMOVE the below addresses : REMOVE THESE ADDRESSES XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX The only address should appear on my credit file is XXXX XXXX XXXX XXXX Texas XXXX REMOVE ALL PHONE NUMBERS XXXX XXXX REMOVE INQUIRIES XXXX XXXX XXXX XXXX  INQUIRY APPEARS 3 times REMOVE ALL SEND AN UPDATED CREDIT REPORT VIA MAIL WITH ALL DELETIONS AND CORRECTIONS

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 2023-04-21 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: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I have had my mortgage with XXXX XXXX XXXX for over two years. During that time I never paid late. My loan was recently transferred to NewRez in XX/XX/2022. The process was very confusing and I received little notice. I ended up paying my XXXX mortgage late according to NewRez. However, I expressed to them how confusing their website was along with their app and was rest assured that because of the transfer there would be leniency. They ended up reporting me late although I was told by law I have a 90-120 day leniency for credit reporting during the transfer process from XXXX to NewRez. They reported me on the 31st day! I tried to dispute with the credit agency and got nowhere. NewRez would not help either. This has damaged my credit severely and has stopped me from pursuing financial prospects. I have worked very hard for the last 3 years to build my credit up and would appreciate a further investigation into this matter. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2023 I purchased my vehicle and resolved all payments on the loan. Since that date I have repeatedly requested a vehicle title document to complete the purchase and per my legal obligation for sole ownership. Chase Auto has failed to deliver the document for months with continual lack of detail or any reasonable explaination. I have been in contact with various representatives on a weekly basis requesting updates, timing, estimated delivery of this document. Chase seems to have either lost the document or is refusing to deliver it preventing my from selling the vehicle as I desire and costing my potential buyers. I am now also required to renew my vehicle registration in the state of Illinois for a vehicle that I had planned to sell months ago. I have zero faith in Chase Auto to resolve this matter and I am reaching out for consumer protection in desperation to simply receive the title document.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My money has been held for over 90 days including loan payments, personal payments, rental car refund, etc and they are closing my account and froze it because someone deemed unauthorized fraud when it was not and I had the conversation between the people. They refuse to give me my money and they are obligated to. They took {$330.00} + {$250.00} away from me based on lies and I offered to give them pictures but they refused. I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I noticed on my credit report that I a late payment for Lexus Financial. It was from 2021. I called them to discuss and we both came to the conclusion that it was when I signed up for Automatic payments from my checking account. I must have not submitted something properly and it didn't take the money from account. It was rectified the next month when I realized that my payment had not come out. 

That is the only late payment on my credit report and the only late payment I have ever had with them. It was a simple mistake and I asked if they could please get that taken off of my credit report and they stated they could not the error would have had to be on their end. 

They suggested to me that I come to this website and try and have you get it rectified. I hope you can assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: AZ

Complaint narrative:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all.

Company response to consumer: Closed with explanation