vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BB&T CORPORATION
State: PA

Complaint narrative:
The prompts I checked really do not pertain to my complaint ; however, no other prompt was available. 

Regional Acceptance Recovery continues to report a charge off account ( auto ) as current. The account was opened in XX/XX/XXXX. It was charged off XX/XX/XXXX. Can they keep doing this? This is affecting me negatively and sadly the account can not be paid. We are facing medical hardship ... XXXX 's. 

Please see if there is anything which can be done. Thank you. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: OH

Complaint narrative:
Never attended XXXX college. 

Im a veteran would have used my GI Bill if that was the case. 

Never signed any documents with this school. 
Requesting A legal documentation from this school

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 2019-06-23 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: Ability Recovery Services, LLC
State: OH

Complaint narrative:
Never attended XXXX college. 

Im a veteran would have used my GI Bill if that was the case. 

Never signed any documents with this school. 
Requesting A legal documentation from this school

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 2019-06-23 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: OH

Complaint narrative:
Never attended XXXX college. 

Im a veteran would have used my GI Bill if that was the case. 

Never signed any documents with this school. 
Requesting A legal documentation from this school

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: TX

Complaint narrative:
The following items were disputed and I was never notified of the results in the alloted timeframe and they simply removed the disputes online and there were no way to check the results. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4600.00} - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$660.00} - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
The loan company put money into my bank account which froze my bank account. Then when I tried to contact them they acted like they knew me thought it was funny and kept saying I love u. My bank account is still froze. My pay check was direct deposited into that account and I cant even touch it. So I got an eviction notice and my fines are past due so I am going to get a warrant

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 2019-06-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
I had a 36-month lease with Toyota Financial Services. Due to a financial hardship, I made the decision to terminate this lease early. I returned the leased vehicle to the original dealer on XX/XX/XXXX. On XX/XX/XXXX, I paid the amount of {$3500.00}. I was told by TFS that this would be the remaining amount of monthly lease payments with a maturity date of XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from TFS stating I needed to pay them an additional {$3300.00} beyond the agreed amount of payoff. I contacted TFS by phone shortly after receiving this letter to question this additional amount. I was told that they sold the vehicle and that this was the difference in what they claimed it was valued at and what they sold it for. The representative told me that there was nothing that he could do to change that and that he could not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a capital one secured card on XX/XX/2019 And they did a hard credit check inquiry on me on XXXX , XXXX and XXXX which is find. But the part that is not cool is when I checked on my application on XX/XX/2019 and they did another Hard credit check inquiry on me on XXXX , XXXX , XXXX. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on XXXX, XXXX, and XXXX. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. 
and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 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: OH

Complaint narrative:
In XX/XX/2019 I tried to login and use Equifax, they could not identify me based on their records. I called in, still could not, they requested that I send in ID to verify my identity. I did so on XX/XX/XXXX, to this day, they still say they can't ID me if I try to log in, based on their questions and Account they refer to, they still cant. I have sent in info XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX They do not report or correct or remove items from credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: IL

Complaint narrative:
XXXX and Equifax are reporting that I have a dismissed bankruptcy in my credit report. I shouldnt have any reporting of a bankruptcy in my credit file. I have requested in writing on four different occasions for XXXX and Equifax to conduct a reasonable investigation into this matter and to delete all reporting of dismissed bankruptcy from my public records and to cease & desist any type of bankruptcy reporting on any account. 
As of XX/XX/2019 XXXX is currently reporting a dismissed bankruptcy in my public record file. XXXX is also reporting a dismissed bankruptcy under account history and account status on a closed XXXX XXXX account. As of XX/XX/2019 Equifax it's currently listing an incorrect status and account history for XXXX XXXX XXXX closed account. XXXX and Equifax has confirmed that they have obtained public records from a third party vendor known as XXXX. As of XX/XX/2019 there is no bankruptcy reporting on my XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I requested the investigation that determines conclusively the debt was mine, the company provision was not consistent with their claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: IL

Complaint narrative:
Despite several written request for TransUnion to do a reasonable investigation into this matter, TransUnion continues to report inaccurate information on my credit file. 
TransUnion is reporting an incorrect account status, pay status and account history for XXXX XXXX. TransUnion is reporting a dismissed bankruptcy and charge off status for XXXX XXXX. 
TransUnion has confirm with me by phone that they obtain information on a bankruptcy through a third party vendor known as XXXX. How is this possible? As of XX/XX/2019 there is no bankruptcy reporting on my XXXX file. 

TransUnion is also reporting and erroneous collection account from XXXX XXXX XXXX. This account does not belong to me and there is no original contract that exists between myself and this collection agency.

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 2019-06-23 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: MD

Complaint narrative:
The subject of this letter is problems I have been experiencing with taking out federal loans, and millions of others will be experiencing this too. I have about {$130000.00} of federal loans for studying at University XXXX XXXX  at XXXX and XXXX University. The servicing is outsourced to a private company called FedLoan Servicing based out of Pennsylvania. 

Whenever I try to make payments beyond the minimum required, FedLoan servicing is placing me in Paid Ahead Statusthey are applying additional payments to my future interest owed, instead of the principal! Even when telling them that I do NOT want to be in Paid Ahead Status, they are not listening to my request. For example I requested an additional monthly payment of $ XXXX/month to go toward my principal, and instead they apply it toward future interestdespite my repeatedly asking them not to. 

FedLoan Servicing is making it difficult if not impossible for people to pay off student loans. On top of that, when you are in deferment, for example going back to get another degree, this deferment forces you to capitalize the interest payments on prior loans. That means my loan balances have actually increased over time, even during deferment. 

I am also requesting assistance with my particular situation, where my additional $ XXXX/month payments havent been applied toward my principal. Despite paying off student loans for the past few years, my total balance continues to increase! 

Specific action items : 1. I have asked by phone, and via email, to have my $ XXXX/month additional payment only be applied toward principal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have claimed to fix this, but never do! 

2. Payment on XXXX- why was none of the {$470.00} applied toward principal? 

3. On XX/XX/XXXX, there is an unexplained capitalization of {$5100.00}. There is barely any explanation of where this amount came from, and how they decided to add it to my total balance. Because of the insufficient explanation, I am requesting this amount be deducted. Also I was never notified of this capitalization at the time it happened. 

4. On XX/XX/XXXX, another unexplained interest capitalization of {$2100.00}. There is no sufficient explanation and I was never notified at the time of this happening, so I am requesting this amount be deducted from my balance. 
- Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
- Chase Mortgage did not notify that our mortgage was sold to another company. I was trying to make an online payment and there are no options for me to pay chase online. When my sister called, Chase told her that our mortgage was sold to another company but we never receive any letters in the mail or prior notification that this was happening. I don't want to be charged with any late fee as we are doing our best to settle payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I understand the inquires remain on ones credit file for 2 yrs, only if the inquires infact belongs to the consumer. However, in this case I have absolutely any knowledge of the following assumed fraudulent inquiries and demanding that they be removed expeditedly. The inquires are, 1 ) XXXX XXXX XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 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: MO

Complaint narrative:
Ok now my direct issue is with the 3 major reporting agencies, Transunion, XXXX and XXXX inwhom is constantly reporting this account inwhich I repeatedly disowned as mines. The account is obviously a fraudulent account. And of course it shall appear to be ethic and this is the problem with fraudulent accounts it take one so much time to correct inaccurate information that it's a whole different type of fraud perpetrated by the 3 major credit bureaus. Credit bureaus inwhom depends on old technology and electronic verification inwhich does not consist of actual proof of any sort. So I'm demanding that this reappearing account ( XXXX XXXX ) be block permanently from my credit files immediately, or I shall start suit against the 3 major credit bureaus inwhom is causing me so much hardship and mental distress, time and emotionally anguish. I've requested a Method of Verification into this investigated process. What is the title of the investigation employee, what's their name and inwhom did they speak with to confirm this account. What date and time did this take place. What physical documentation was presented and what physical documentation was mailed certified to substantiate your reporting of this account. If you can not produce this request then as stated within the FCRA laws this account ( XXXX XXXX ) shall be blocked and removed immediately. I'm demanding the names, times, method of communication from every single person involved with this investigation, or please remove this account ( XXXX XXXX ) immediately.

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 2019-06-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB an account was opened under my name as an authorized user with out my permission the account is still active an high balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I requested the investigation that determines conclusively the debt was mine, the company provision was not consistent with their claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
After carefully looking over my credit report and after sending several letters. The credit bureau has continued to ignore my letters regarding XXXX XXXX XXXX XXXX and I have found several errors that they are reporting regarding this charge off on my account. That is why I am filing my complaint and has did the same with my attorney general in the state of Missouri regarding this matter. I also send my letter to XXXX XXXX XXXX XXXX with confirmation number XXXX in which was ignored as well. But the credit bureau says they have proof of what they are claiming but has failed to submit me any proof. I send the credit bureau a notice for my DECLARATION of CHECK of COMPLIANCE ( DOCC ). In which was ignored and I am attaching my letter to this complaint as well that I send. They refused to tell me in writing what information they refuse to remove and why. Also they refused to tell me in writing what they did to determine that the information was accurate. The claim has been UNFOUNDED and so are ILLEGALLY REPORTING. In my letter I stated the following : The alleged yet unproven to be correct, complete, timely, mine, my responsibility, FCRA compliant, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: OH

Complaint narrative:
I have been requesting validation of this account XXXX XXXX account # XXXX and METHOD OF VALIDATION since XX/XX/2019. I have yet to get an response about this account. However, it keeps reporting to my credit profile and damaging my credit score. 

I'm exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which states I my request " a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency '' Please provide METHOD OF VALIDATION and not investigation through XXXX  system or remove this off my credit profile as it has already been over the 30 day window as well. 

I will report this to the Attorney General with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: Credit Karma, LLC
State: CA

Complaint narrative:
One of my collections accounts was deleted which suppose to raise my credit score but lowered it instead

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: FL

Complaint narrative:
I applied for a XXXX XXXX  secured card on XX/XX/2019 And they did a hard credit check inquiry on me on Transunion , XXXX  and XXXX which is find. But the part that is not cool is when I checked on my application on XX/XX/2019and they did another Hard credit check inquiry on me on Transunion , XXXX , XXXX. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on Transunion, XXXX, and XXXX. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. 
and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.

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 2019-06-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I applied for a XXXXl XXXX secured card on XXXX XXXX And they did a hard credit check inquiry on me on XXXX XXXX XXXX and Experian which is find. But the part that is not cool is when I checked on my application on XXXX XXXX and they did another Hard credit check inquiry on me on XXXX XXXX XXXX XXXX Experian. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on XXXX, XXXX, and Experian. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. 
and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.

Company response to consumer: Closed with non-monetary relief