vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: National Auto Lenders, Inc.
State: FL

Complaint narrative:
i have a current loan and was wrongfully repossessed, i was advised that i had a deferment payment how ever no paper work received, to confirm, i was advised via phone deferment was approved .after submitting over XXXX in fees to recover my vehicle, Further more a tracking device was installed in my vehicle with out my consent ... .... I have ha numerous calls to my mother home after requesting 3 times to contact me only and provided a secondary number that i agreed for them to contact. This company has had numerous complaints I am not the only one I just want fair treatment per Florida state law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
XX/XX/2018 I opened an account with BBVA Compass. In a weeks time, they allowed my account to be compromised, they froze it, i did not even HAVE my debit card yet when they did. They have still not let me get my money out. Even had to open a SECOND account and they still won't let me. I had to miss my father 's funeral due to them not giving me access to MY MONEY. I filed a fraud claim, I have continued to not be able to pay bills or pay for meds I have repeatedly been railroaded by every department in this bank. I have been discriminated the to my XXXX, refused STILL to allow me to get my money. im Broke, mad, and I want HELP. They also made a mortage I NEVER  applied for

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09 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: NV

Complaint narrative:
I received a copy of my credit report from Experian and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to Experian on XX/XX/2018 requesting an investigation for state public record listed to my report. I requested Experian Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. 

In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature.

I also, received a letter from U.S. Bankruptcy Court XXXX XXXX of Wisconsin stating " The U.S. Bankruptcy Court does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act.

Experian is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any accounts to my report referencing Bankruptcy information.

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 2018-03-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-09 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: CA

Complaint narrative:
On the XX/XX/2018 i disputed the tax lien for not meeting the new enhanced reporting requirements but it still remains on my credit report.The federal tax lien on my Transunion credit report from the XXXX XXXX Recorder 's Office do not meet the new requirements under the National Consumer Assistance Plan that states that public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain the minimum identifying information of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Full Social Security Number and/or date of birth. I have reviewed the tax lien and it does not have my full SSN # or DOB on it clearly identifying that it belongs to me. Transunion is not following the rules of the National Consumer Assistance Plan. XXXX and XXXX compiled and deleted the inaccurate information.

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 2018-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Sometime in XX/XX/XXXX I received an email from Coinbase saying they had accidentally double-charged some customers. At the end of XX/XX/XXXX, my credit card noticed that I had bought the same amount of cryptocurrency {$100.00} dollars twice in a span of 4 days in XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ). My credit card reversed one of the charges, amount reversed was {$100.00}. I received an email from coinbase on XX/XX/XXXX saying that my account was short of {$100.00} dollars. When I tried to login, it asked me to pay the amount, I paid it via my other back account ( not the credit card that rejected it because coinbase had already removed it ). According to my bank statement, they received this XXXX dollars back on XX/XX/XXXX. Yet my account remains frozen ( for buying ) despite several inquiries into the matter. What is worse is that they have also completely shut down my XXXX account, no explanation has been provided for this. XXXX is a sister company of coinbase, I have XXXX dollars deposited in XXXX and I am unable to access this, this despite not owing them any money. After several phone calls and emails, no explanation has been provided for shutting me out of my money. I can not even open XXXX to check if the money is still there, I am completely unable to open my account. This is unacceptable. No explanation and no recourse, just unanswered phone calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX credit card company is inaccurately reporting payment date. I began a dispute with experian on this account but I noticed something today that was left out. The original account has incorrectly listed a payment date. I can only guess that this is a purposeful made with the intent to extend the date of expiration. I have never made any payment to this bogus account and I would like the company to be held liable for this dishonest business practice. It has been inactive since XX/XX/XXXX not XX/XX/XXXX.  One phone call to the creditor will verify this. I would also like experian to be made aware of this and I can not notify them when there is an open dispute

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 2018-03-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX credit card company is inaccurately reporting payment date. I began a dispute with XXXX on this account but I noticed something today that was left out. The original account has incorrectly listed a payment date. I can only guess that this is a purposeful made with the intent to extend the date of expiration. I have never made any payment to this bogus account and I would like the company to be held liable for this dishonest business practice. It has been inactive since XX/XX/XXXX not XX/XX/XXXX. One phone call to the creditor will verify this. I would also like XXXX to be made aware of this and I can not notify them when there is an open dispute

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 2018-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was paying my student loan, as agreed on the XXXX day of each month. On XX/XX/XXXX I logged on to pay the amount due of XXXX. The message on the Navient website indicated that {$0.00} payment was due. I spoke to a representative at Navient, who stated " You have over paid for the previous months, and now your payment 's not due until XX/XX/XXXX ''. 

On XX/XX/XXXX the unpaid principal balance was listed on the Navient website as {$12000.00}. 

On XX/XX/XXXX I received notification from XXXX CRA that my credit score had decreased by XXXX points due to an increase in the amount due to Navient, in the amount of {$120000.00}. 

On XX/XX/XXXX I contacted Navient to inquire as to why my principal balance had increased, although I was paying as agreed. After an hour long call, and waiting to speak to a supervisor XXXX. XXXX informed me that my loan was in forbearance due to a " disaster in California ''. 

I was not a victim of disaster, at any time. I did not request to be granted a forbearance, However, as a result of Navient 's dubious practice of arbitrarily placing my loan in forbearance status, increased my principal balance, and has caused further damage by adversely impacting my credit rating and FICO score. At the exact time that I was attempting become a first time home buyer. 

When I requested immediate remedy, The supervisor " XXXX '' informed me that the CRAs could not be notified and their error would not be corrected before 30 days, and that further since I did not have access or the ability to receive notification of resolution via fax, I would also have to wait.for 30 days to have proof of their mistake. 

If, I had been a victim of a disaster Navient 's proposed remedy would only have served to assist Navient by virtue of an increase in the principal balance due to Navient, In my case, Navient 's action was an egregious error/standard form of practice, and I should not have to wait an additional 30 days for ameliorative actions. At present my debt to Navient should be {$120000.00}. 

I am seeking assistance in ensuring that the amount owed to Navient is accurate, and accurately reported, also that CRAs are immediately notified.. 


.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, while shopping on-line, I was offered {$35.00} credit on a printer that I was considering purchasing from Walmart. I could receive this credit if I agreed to apply for a Synchrony Bank credit card. I filled in the on-line application form thinking there would be an immediate approval and then be presented with a method to make the purchase. That didn't happen so I waited for a response from Synchrony or Walmart. After a few days, Synchrony called me to complete the application. When I asked about the {$35.00} credit I was assured it would appear on my Synchrony Card. On XX/XX/XXXX I  received the card, activated it and went online and purchased the printer from Walmart. I Checked my account and discovered that I had not received a credit. Consequently, I called Synchrony Bank and told them I didnt have the {$35.00} credit on my account. My inquiry was forwarded for resolution. On XX/XX/XXXX I received a form letter stating that my claim was denied for one of the following reasons : 1. The transaction amount does not meet promotional requirements.

2. The transaction amount did not occur during the promotional period.

3. The type of merchandise purchased was not included in promotional offering. 

I called Synchrony Bank for an explanation and was told that my claim had been denied because I had three days to make my purchase after the approval of the card. I responded that I had no Idea that there was a three-day limit and that I wasnt apprised of the three-day limit when I placed my application for the card. Furthermore, it took longer than three days for the card to arrive in the mail after approval. I was then told that I had been contacted and given a password that would allow me to make a purchase without the credit card. NO SUCH CONTACT WAS EVER MADE. My claim was then forwarded for further determination. I was advised that it would take one to two weeks for a determination. Today,  XX/XX/XXXX, I received the same form letter that I had initially received denying my claim. 

I applied for the card in good faith expecting to receive a {$35.00} credit on my purchase but Synchrony has decided to stipulate additional terms to our agreement after the fact and without my consent or knowledge. I am sure that this has happened to others in my situation and Synchrony Bank should be held accountable to me and others whove had the misfortune of doing business with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
I have attempted to contact XXXX XXXX regarding three balances owed after medical insurance payments. I have unsuccessfully attempted to dispute this balance with the original creditor who was bought out by XXXX XXXX XXXX and referred me to their billing department. The representative advised me the debt was " sold '' to Medical Data Systems. I've been unsuccessful in disputing this amount with either of these companies who have refused to provide me with a direct department to contact at XXXX XXXX Hospital that I can dispute this balance. I sent a certified letter to XXXX requesting they validate my debt and received not only the billing information but, my diagnosis and related medical codes.

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 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
I was XXXX by a group of about 15 strangers and ended up XXXX my hand and getting a XXXX amongst other things by getting XXXX so many times. The police said they found the individuals involved, but the police never actually did anything. I was then left with a hefty medical bill that the individuals responsible were supposed to pay for and was not aware of the medical bill of my deductible from insurance. During this time I also was a XXXX XXXX who had to stop my job because of the injury that took me around 6.5 months to recover from and another full year to FULLY recover from and could not afford to pay this medical bill especially because the law enforcement did not do their jobs properly ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My complaint is against Experian they are allowing XXXX XXXX XXXX to put debt back on my credit report when it was already deleted. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. I was not notified by Experian the debt that was never Validated would be placed back on my credit which is illegal. Also they are allowing XXXX XXXX XXXX to post 4 different dates of debt with the same amount {$1400.00}. I have got my medical records and the debt XXXX XXXX is reporting is inaccurate and has not been validated.

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 2018-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-09 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff transunion XXXX  and 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 2018-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I contacted Portfolio Recovery Associates, LLC to validate a mark on my credit profile that I did not have any clue about. Portfolio sends me a letter with and old bill from a XXXX XXXX account from 2013. I called the dispute department and explained that this account was settle with XXXX XXXX and asked if they could delete this from my credit. 
I was told that they did not have any record of me paying XXXX XXXX and I am responsible for a {$510.00} debt. Portfolio did offer to settle the debt for a smaller rate. I agreed to settle if the company would delete this from my credit profile. 
According to the representative this was going to happen. I did my part, but the company did not honor their portion. 
I already feel that I am paying for a debt that I took care of 5 years earlier. Now I feel that I just was robbed by this company.

Company response to consumer: Closed with explanation