vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There shows an account on my reports from XXXX XXXX XXXX XXXX -a loan .... and his account has been satisfied some years back and is now past the limitations for MO this accounts needs to be removed from my reports as it is too old to be reporting. I have tried handling this previously and have gotten no help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: Nelnet, Inc.
State: PA

Complaint narrative:
I refinanced my student loans into one ( 1 ) loan with Nelnet, I believe the repayment plan is Standard. I started making payments last XXXX, I have paid {$100.00} extra per payment to be applied to principal. The {$100.00} is not being applied to principal and the explanations I am getting make no sense to me. At one point my loans were in forbearance but I paid the interest for those times, so I'm a little confused on why my extra payments are going to interest and not principal. My account is current at this time. My next payment is due in XXXX, 2019 ; I would like to get this issue resolved. Also, I attended XXXX University at the XXXX of XXXX campus, they are no longer in that location, it closed a couple of years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: MO

Complaint narrative:
There shows an account on my reports from XXXX XXXX XXXX XXXX -a loan .... and his account has been satisfied some years back and is now past the limitations for MO this accounts needs to be removed from my reports as it is too old to be reporting. I have tried handling this previously and have gotten no help

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 2019-01-14 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: MO

Complaint narrative:
There shows an account on my reports from XXXX XXXX XXXX XXXX -a loan .... and his account has been satisfied some years back and is now past the limitations for MO this accounts needs to be removed from my reports as it is too old to be reporting. I have tried handling this previously and have gotten no help

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 2019-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Services is reporting a debt on my credit reports- Please accept this complaint as a formal dispute of this account and its account balance. I am requesting debt validation, a copy of the dunning letter sent, and copies of all documents that Portfolio Recovery Services has obtained when purchasing this debt. According to the Federal Law Portfolio Recovery Services needs to provide these  documents in full no later than 30 days from receipt of this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
identity theft XXXX XXXX an account was opened from XXXX XXXX XXXX ( not my account ) XXXX XXXX  was opened with a hi balance of XXXX and was closed in XX/XX/XXXX not my account XXXX XXXX an account was open and left a balance of XXXX this account is not mine closed on XX/XX/XXXX XXXX   XXXX XXXX  this account was opened in XX/XX/XXXX and is now in collection. this account is not mine XXXX XXXX carries a hi balance of XXXX is not my account closed dedicated XXXX XXXX opened ii XX/XX/XXXX original creditor XXXX  carries a balance of XXXX js not my account. 

XXXX XXXX XXXX opened XX/XX/XXXX { XXXX ) XXXX balance is not mine XXXX XXXX/XXXX XXXX balance was added to my report is not mine XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX charge off is not mine XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX is not my account Chapter XXXX bankruptcy added in XXXX is not my account

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 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/XXXX, I had a payment of {$330.00} come out of my bank account. Their website showed a minimum payment due of {$130.00} approximately. ( this was confirmed by a rep today XX/XX/XXXX at approximately XXXX mst ). I realized that I was over my limit and the paper statement showed the {$330.00} as the minimum payment so I assumed that I had just read the website wrong. It was about {$20.00} off in XXXX so on XX/XX/XXXX, after my XX/XX/XXXX statement had posted, I took a picture of the minimum due on XX/XX/XXXX it showed {$140.00}. Today I logged on and it is showing a payment of {$210.00}. My paperless statement also shows the minimum due as {$210.00} but website clearly shows a minimum due of {$140.00}.

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 2019-01-14 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: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
This account is an unauthorized account. This is a fraudulent account, I never authorized the opening of this account nor did I open it or give anyone authorization to use my name. I am in the middle of a major commercial transaction and I am unable to move forward as a result of Franklin Collection Services placing this collection account on my credit report. 
I spoke to them and they informed me that they can not remove it from my credit report until XXXX XXXX XXXX performs its investigation. I find this hard to believe that my credit is being held hostage as they investigate an account that I had nothing to do with and Ive informed them of this. To put more to it, I NEVER received any written notification of this debt because it was fraud and they used the fraudulent address for mailing. 
I am politely asking that this account be removed from my credit reports until they are able to figure this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
In XXXX, I reached out to XXXX  ( my loan was just switched from XXXX XXXX ) to inquire about loan forgiveness for Federal Government employees. XXXX explained that in order to certify my student loans my loans would have to be sent back to XXXX for servicing. 

XXXX contacted me and said they would need to review my employment record from XX/XX/XXXX and look and my payments and they will tell me the number of qualifying payments after their review. 

XXXX  finally reached out and stated that I had " 0 '' qualifying payments. I was told that " I was not in an income-driven repayment plan. '' The agent helped me switch over to the pay-as-you-earn repayment plan and recommended that I consolidate my loans to help pay them down faster. 

In XX/XX/XXXX, I was informed that there was a reversal on the decision and now ALL repayment options for the loan forgiveness program and that I needed to resubmit my request -- and I did. 

After reaching out the XXXX after discovering the reversal decision, I was told I needed to resend the original denial letter and resubmit a new form. After submitting this information, XXXX stated that I only had " 10 qualifying payments '' because my loan was consolidated in last year. 

The only reason I consolidated my loan was because XXXX initially told me I had " 0 '' qualifying payments because I was in the wrong repayment plan so I switched it. 

XXXX should consider those original payments starting with XX/XX/XXXX to present because the only reason my loan was sent back to XXXX was so they could review my loan for federal loan forgiveness program. Now my account shows that I only have 11 qualifying payments. This is false/misleading information from the student loan servicing entity to trick people into consolidating loans to lower their payments, but they are doing this to disqualify payments for their " loan forgiveness program '' scam. The only reason I considered becoming a XXXX XXXX was because of this program. Now, XXXX claims I have to work and pay an additional 9 more years. 

These loans include both undergraduate educations starting back in XXXX to more recent graduate loans in XXXX. I have paid my fair share. I just want the Department of Education to follow through on their claims to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I'm being contacted by Chase Auto Finance to pay an additional {$240.00} for a lease on a car. The final payment was due on XX/XX/18. I was going to be traveling and the beginning of XXXX. I wanted to get the car to a safer spot and purchase a new car before traveling. I talked to the dealership. They said I could drop off the car there but make sure I made my last payment. I made my last payment on approximately XX/XX/XXXX. That was the final of 36 payments for the three year lease. All my payments were made on time. Once I made that final payment, my lease account disappeared from my accounts on chase.com. In addition to that, Chase didn't cancel my automatic payment and charged me for an additional month. I had to reach out to my bank with which I have my checking account, XXXX XXXX, to get refunded for that money because Chase refused to help me with it. Essentially, it feels like I'm being punished for making all my payments and dropping off the car at the dealership instead of leaving it sitting in front of my house. I felt like I was doing the safe and responsible thing. I shouldn't have to pay money in addition to all of the payments that I was required to make and did make on time every month. 

I do not have any documents because Chase has not presented me with any since my lease was terminated. I've only received phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX. The vehicle ( XXXX XXXX  / XXXX / XXXX-4 CYL ) needed repairs in which I took it to a repair shop. The owner XXXX ( ( XXXX ) XXXX ) gave the cost of repairs. I then decided to a voluntary repo in which the vehicle was supposed to be picked up. I should only be being billed for the difference of what it was sold for. I should not be being billed for the full amount of the vehicle. I've tried numerous times to negotiate this cost with them to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: NJ

Complaint narrative:
According to my recent credit report request from Transunion, XXXX, XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance  procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , VA XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , UT XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX This account states that I was 30 days late, however, I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , MI XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 


XXXX  XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.

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 2019-01-14 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: CA

Complaint narrative:
On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

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 2019-01-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account with XXXX XXXX have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( XXXX ) and I am receiving my FBI report. 

This creditor in question has neglected my letters and not responded to my calls / emails. 

XXXX XXXX ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, although this account is being paid satisfactory THIS IS NOT MINE and I have let the FTC & CFPB know this. 

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "

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 2019-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I have used moneygram before. I was trying to send money online and the agent told me in a chat session that my account was frozen and I would have to go to a store to do the transfer. I ask why it was frozen and she said they would not tell me. In addition, she said once it was frozen I could neve send money online again. I think I deserve to know why they are penalizing me since I have a perfect credit score.  This just does not see like it should be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: COMMERCE BANK
State: IL

Complaint narrative:
My account with Commerce Bank was the subject of identity theft and fraud. Commerce Bank continues to report invalid and inaccurate information to XXXX. This is despite receipt of my FTC Identity Theft report. I requested protection under 605b, 4-day blocking rule and Commerce Bank has failed to comply. 

Commerce Bank has also repeatedly failed to send account statements as requested many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: CA

Complaint narrative:
On XXXX I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX  XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted XXXX  asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

Company response to consumer: Closed with explanation