vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX reported all my accounts as 90-day late in XXXX  2017 when in fact my forbearance covered the following  months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with XXXX since XXXX/2017 and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to XXXX regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to XXXX advocate department on XXXX17 to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.

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 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My most recent Experian credit report shows a collections item by XXXX XXXX XXXX which was incorrectly filed against my personal credit. This was a business credit card I had through a bank. I have also never done business with XXXX XXXX XXXX. I believe they purchased this debt from another company It has also been more than 7 years since the original delinquency date and since I last made I last made a payment or there was any activity on the account. I have disputed this item several times and twice within the last few months, but Experian has not removed the item from my reports back to me " The company that reported the information has certified to Experian that the information is accurate. The item was not changed as a result of our processing of your dispute. Please review your report for the details. ''

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 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NJ

Complaint narrative:
I closed my account with XXXX at their store in the XXXX XXXX in XXXX New Jersey. I paid a total of {$160.00} at the counter, in order to settle any outstanding bill. 

XXXX then sent me a bill of about {$160.00} They placed the amount with a company called 1. Enhanced Recovery Co XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Collection Agencies Website 2.  Enhanced Recovery Company - CLOSED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX - As you can see, they pop up and then close and then pop up again. They reported a negative mark on my credit report for {$100.00}. In my opinion they are holding my information hostage against me paying them an amount they will share with XXXX. I think this scam is disgusting as I have the receipt from the bill I paid at the counter ( repeating above ) at the XXXX store. 

I have my charge receipt from XXXX, and want them to stop this OUTRAGEOUS practice of collecting an " extra month '' for no reason but to line their own pockets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please Help me. This item has been repeatedly submitted to the credit reporting agencies. I have given them proof of the item being paid in full. In speaking with the original collection. agency, they said the paid in full update was submitted to the credit reporting agencies at least 4 times and this collection has remained incorrect for over 2 months. I do n't want to take legal action yet. I do n't know how these credit reporting agencies could have verified the accuracy of the account when the collection agency has repeatedly updated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On Wednesday, XXXX XXXX, XXXX, I spoke to a representative at Suntrust Bank who identified himself as XXXX a supervisor. I was concerned about the many {$36.00} charges to my account, I was told that on XXXX XXXX, XXXX I had a balance of {$230.00}. He also told me that a charge came in on that day from XXXX XXXX for {$19.00} and that amount was put on hold making my balance {$210.00}, afterwards there were other charges of - {$10.00}, balance of XXXX, then - {$25.00} with a balance of {$180.00}, then - {$56.00} leaving a balance of $ XXXX.Now here is the problem, I used the phone app which showed a balance of {$79.00} and withdrew {$60.00} which showed I had a balance of {$19.00}, I then made a purchase {$1.00} and there was a charge for {$7.00}. From my app these charges did not constitute an overdraft, however when I logged back in I found that the all transactions except the {$56.00} debit was charged a {$36.00} fee. My sincere concern is this, if the {$19.00} charge came through on XXXX XXXX, XXXX and the amount was subtracted to change my balance from {$230.00} or {$230.00} to {$210.00} and we continue to deduct the transactions from that balance that when the {$19.00} finally showed up on the account as a transaction on XXXX/XXXX/XXXX it should not have been charged a {$36.00} fee because the amount was already put on hold and deducted from the original balance at the time it was presented. My concern here is that if you put funds on hold and deduct it from a customers account you ca n't post it later as an NSF to get excess fees. It appears also that from the banks prospective even though I saw on my app that there was {$79.00} in the account and there was only {$59.00} when I made my ATM withdrawl, I was charged {$36.00} because I was {$0.00} short. After this series of charges anything else that came in, Suntrust just charged {$36.00} at will. I charge them with intent to defraud. Please advise and look into their banking practices. My account number is XXXX and the routing number is XXXX. You do have my permission to gain access to this account for your reviewing purposes. 

Regards, 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 monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please Help me. This item has been repeatedly submitted to the credit reporting agencies. I have given them proof of the item being paid in full. In speaking with the original collection. agency, they said the paid in full update was submitted to the credit reporting agencies at least 4 times and this collection has remained incorrect for over 2 months. I do n't want to take legal action yet. I do n't know how these credit reporting agencies could have verified the accuracy of the account when the collection agency has repeatedly updated it.

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 2017-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have discovered today XX/XX/2017 that when my student loans transferred from XXXX XXXX to Navient the loans were under-disclosed. XXXX XXXX did not provide Navient with the correct or complete terms of my loans. I have 9 loans left with Navient and 2 of the loans, 8 and 9, should be paid off. The loan payment on the website is {$180.00} and the coupons are {$120.00}. The Navient representative that I spoke with advised in the call on XX/XX/2017 that terms were " estimated '' when XXXX XXXX failed to provide the accurate terms. My concern is how do I at this point even if the balance, payment, and payoff is accurate. I was told in the same call that all of the information on the website account for Navient is accurate, however how can it be accurate if Navient was provided incomplete/inaccurate information from XXXX XXXX and had to estimate the terms? When I requested evidence of the loans I was advised the contracts can not be sent out and all the information is provided on the website for Navient. I want copies of the original loan agreements. I was advised those can not be provided, leading me to believe the loan agreements do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
XX/XX/XXXX I looked online and found that I was charged XXXX for my checking account being short {$3.00}. I had a {$100.00} transaction for XXXX that came out of my account and I only had {$96.00} in my account. 

XX/XX/XXXX I again looked in my account online and I was charged {$11.00} for checks I did not order. I called PNC @ XXXX and I was told I had to bring the checks in to have refunded. 

This bank not only guts it customers for money they do not have but they never addressed anything I requested. 

My account # is XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I have a account in coinbase.com opened for Bitcoin selling/buig. They provide a few personal Wallets to operate in BTC ( Bitcoin ), EUR, LTC, ETH.
I deposited 10 EUR on my EUR Coinbase Wallet on XXXX XXXX XXXX.
I transfered my personal Bitcoins : XXXX BTC ( from external adress ) to my bitcoin Wallet on Coinbase on XXXX XXXX XXXX.
I sold my Bitcoins and transfered founds : XXXX to my EUR Wallet on Coinbase on XXXX XXXX XXXX. They got a fee XXXX.
On XXXX XXXX XXXX i requested withdraw XXXX from my EUR Wallet to my Bank Account in XXXX. Type of paymant was : SEPA. Coinbase write on they webpage that the transfer will be done in 4-5 days.
Bank Account was been verified ( i.e. small paymant was done before and checked that account is mine ).
To this day requested founds have not been transfered.
I writed two complain tickets on coinbase.com support page. First : XXXX XXXX XXXX, second XXXX XXXX XXXX. On both I have received only automated messages without any desire to solving the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AFNI INC.
State: IL

Complaint narrative:
The debt from the Afni debt collector is not mine. I have called on 2 separate occasions to resolve this and make them aware and both times the issue was not resolved. The 1st time I called and told them this amounts of {$1200.00} and {$340.00} were not my debt and must be fraud they said " unless I have a police report there was nothing they could do ''. The second time I called they told me they would remove both amounts from my credit report. It has been over 30 days and both amounts are on my report still.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I was in the XXXX XXXX and purchased a XXXX XXXX XXXX in XXXX of XXXX. Hyundai financed it at more than {$10000.00} OVER the value of the car. ( All documents attached ). They never should have financed this vehicle. We contacted Hyundai and the dealer within XXXX hrs of purchase, expressing concerns. Hyundai employee stated basically that since I was military I would have to pay the car loan or get in trouble with military. ( see attached notes ) The concern was this loan was WAY MORE than the vehicle and never should have been made. All other banks declined a loan stating we wanted more than value of car and it is not possible. Hyundai approved it immediately. Frustrated I continue to pay the car. I should NOT have signed the finance papers but being young and stupid I did. However, Hyundai should NEVER have agreed to finance this vehicle for so much over. I have been paying on this car for XXXX XXXX years and found out you might be able to help me. I would like to either have Hyundai take the car back and relieve me of this loan ( with no effect on my credit XXXX or clear me of the loan and let me keep the car since I 've been paying it for over XXXX XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: GA

Complaint narrative:
This credit collection agency states that I owe XXXX for a bill that is n't mine. I have never received their services ad furthermore I was a minor at the time of this service. I contacted the collection agency on XXXX17 and was told it was mine and anyone could have gotten it in my name. Well duh is n't that identity theft????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
While reviewing my credit report, I noticed one account ( only on XXXX ) indicated in collections. The company is : DOCTORS BUSINESS BUREAU. I completed an on-line search and located this company in XXXX XXXX, FL. I have called the listed numbers on the website of this company numerous times and contact has been unsuccessful to date. This is indicating date opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ). To date, I have not received any notices and this collection is only showing on XXXX and not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The security breach of Equifax is unacceptable.
XXXX and other such companies make profits by requiring access to our personal information as a condition as our being able to engage in financial transactions, yet they do not take adequate steps to protect our information. Then when there is a breakdown in their security they try to place the cost on the consumer. All financial costs for these breaches should be put on the responsible parties - these companies.
All of these companies should allow citizens to securely lock their data without charges or fees for locking and unlocking / freezing and unfreezing their credit files.
Significant fines should be imposed when companies like Equifax fail to maintain security of information. There should be regular audits of these companies to make sure they are secure. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
On XXXX XXXX, 2017 I received a letter stating I owed ERC ( XXXX XXXX XXXX ) a debt of {$360.00}. The letter references XXXX XXXX which I do not have and have not had. I called the number provided by ERC ( XXXX ) and gave them the reference number and account number on the debt they mailed me. After providing them with my information and the information of the letter, several representatives were not able to find any account or debt listed under my name. The letter states that they are going to report this on my credit score if I do not respond. I 'm very upset and believe they have the wrong information because I do not have XXXX XXXX  and they were not able to find my " debt '' with information THEY sent me. I believe they are fraudulent accusations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto your credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with a nice lady names XXXX about this over the phone in length and spoke about each inquiry in detail and she said it would be taken care of for me. These inquiries add a hardship and lower my score making it look like I 'm out trying to get a ton of credit when I 'm not and my rights were violated by TransUnion. Please help me make TransUnion stop victimizing me. As a resolution I would like that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally re-added to my account without my knowledge or notification.

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 2017-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: OH

Complaint narrative:
Hello, Several months ago I needed a payday loan.. I understood the terms were not favorable due to the nature of the loan and the risks involved for the company.. However, this is getting ridiculous. I took a {$1500.00} installment loan over 4 months ago and they have been taking out {$370.00} per check since XX/XX/XXXX. Every 2 weeks. That is over {$4500.00} paid for a {$1500.00} loan? On their website, I can not see the history anywhere and they are not responding to my requests to stop withdraws. I can not afford this any longer, it is putting my life and finances in serious jeopardy. I 'd like to stop all the collecting, I 've paid off my loan in full plus so much interest and fees. Their website gives me no information? PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: OH

Complaint narrative:
My information was at risk after the data hack of Equifax. I had spent 3 hours on the phone beginning XX/XX/XXXXto freeze my credit. I was hung up on twice, and the third time told I would have to pay them to put an alert on my account for fraud, as well as to freeze it, despite statements made by Equifax that it would be free. At XXXX years old, I have a XXXX credit score, and now, due to their lack of due diligence, my hard work could be completely stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
EQUIFAX is not letting me put a FREEZE or ALERT on my account. I have been trying over one week online to do so. Conveniently, they say can not find my record. Particularly odd since I downloaded my free credit report last week and I was easily able put freezes on at XXXX and XXXX. I know my information ( name, SSN, ... ).
Consumers should NOT HAVE TO PAY for the freeze for at least 5 years. I never authorized them to collect and aggregate my information. They caused the problem. They need to cover the cost of freezing/unfreezing and any lost time/money/funds should nefarious actors get my account. PLEASE JUMP ON THIS! I have a right to immediate protections and that 's today - not next week, or next month.
When I say I want a freeze, I get the screen shot attached that does n't offer me an opportunity to put a FREEZE on. Can not proceed past this screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I have officially disputed the fraud several times. Please remove the fraudulent information immediately from my file. 

Account : Chase Acct # XXXX- The entire balance is due to fraud charges. I spoke with Chase Fraud department and went line by line and paid what we agreed was not fraud charges. they removed the charges and told me I was not liable for the remaining charges. 

The account has once again shown up on my credit report after a year. 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing fro you soon. 
I tried to upload pdf of police report but was unable to file being over 10mb.
I have uploaded page 3 of report.

Company response to consumer: Closed with explanation