vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The car loan first appeared under XXXX XXXX XXXX XXXX after complaints it was removed from XXXX. The car loan shows up again under Wells Fargo Dealers Svcs I contacted them and sent my State License, Social Security number, and a light bill. They sent a letter to me stating : Wells Fargo Dealer Service has verified that the information being sent to the consumer credit reporting agencies on this account is accurate. Our verification is based on a review of our records, as well as the information for this account on file with XXXX, XXXX and the XXXX. It has been over a year since my first attempt to remove fraudulent loan that I did not take ou, I continued to inform all credit agencies mention above that I do n't own a vehicle and I have never lived in XXXX XXXX XXXX, IL and I do not have any car loans.

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 2017-09-26 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: TX

Complaint narrative:
XXXX XXXX was supposed to remove this fraudulent trade as of XXXX per their response. It has been removed from all CRAs with the exception of Experian. Please remove ASAP!

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 2017-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the XXXX XXXX District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX my son was driving a Hyundai XXXX that was in an accident and totaled. I co-signed the loan on the car. The insurance covered the cost of replacing the car along with GAP insurance that was paid to Hyundai Motor Finances on XXXX XXXX, XXXX. My account with Hyundai is # XXXX. In XXXX, XXXX I happened to check my XXXX Credit Report and noticed that Hyundai was still reporting almost {$20000.00} still being owed on this car that had been paid off by the insurance companies. i contacted both XXXX and Hyundai about this. XXXX issued a dispute to Hyundai and considered the car as having been paid in full. When I finally got through to Hyundai Motor Finance the representatives were very rude and stated that there was a {$350.00} balance left on the car. I questioned them as to what this was for and they could not tell me specifically. I asked, if there was a remaining balance on the car, since GAP paid them in XXXX, why they never contacted me or sent me a bill. They told me they do n't do that and I " would have figured it out eventually ''. When I asked to speak to a supervisor I was told that one was not available and they had up to 72 hours to return my call. Today is XXXX XXXX and I am still waiting. I sent a certified letter to Hyundai Corp. offices in California on XXXX XXXX telling them about the problem I was having with Hyundai Motor Finances. I received a one sentence letter back stating that the balance was correct. Again there was no explanation of what it was for. A regular car payment is {$380.00} a month so this balance was not even for a monthly payment. On XXXX XXXX I again called Hyundai and spoke to someone named XXXX who told me a bill had been sent on XXXX XXXX. I never received it. I asked her to send me another bill and itemized statement. None has ever been received. Yesterday I received a phone call from a woman at a collection agency telling me the account with Hyundai had been sent to collection. I explained the situation to her and at this point I am absolutely livid. In addition, my credit score has dropped XXXX points this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
I have received a notice from Credit Management LP, in regards to a balance what XXXX XXXX XXXX. This charge is for the equipment which was returned, and in a timely fashion. The balance is still being reported and is inaccurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This Company and bureaus ( XXXX XXXX & XXXX ) are reporting this account to my credit report. This is a fraudulent account this does not belong to me XXXX XXXX Date Opened:XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$1700.00} is reporting on my credit profile. the information that both parties refuse to send and VALIDATION and VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: AR

Complaint narrative:
Received multiple letters/phone calls from Frontline Asset Strategies , LLC, trying to attempt a debt. Requested a notarized debt validation letter between self and Frontline Asset Strategies , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: GA

Complaint narrative:
There are 4 accounts showing on my Experian credit report. The account numbers are : XXXX, XXXX, XXXX, XXXX. First and foremost, these accounts are fraudulent accounts. Second, Experian is allowing XXXX to change dates on the account and change the account history in order to Re-Age the accounts and also Reset the Statue of Limitations. I spoke with 2 representatives of Experian on Sunday, XXXX and XXXX. They both informed me that Experian signs a contract with the creditor and the creditor promises through this contract that they will report accurate information to the credit reporting agency. However, neither XXXX nor Experian are abiding by the contract nor being truthful. These accounts are continuing to be reported and they are Fraudulent. XXXX is deliberately attempting to Re-Age these accounts and also Reset the Statue of Limitations. Experian is allowing this violation of the FCRA an FTC to happen. This is Illegal and therefore should on so many grounds be removed from my credit report Immediately. I have attached copies of my credit report from different dates showing how Experian has allowed XXXX to Re-Age and Rest the Statue of Limitations on these accounts.

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 2017-09-26 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: NY

Complaint narrative:
I have been trying for one month to set up a Trusted ID account with Equifax after their security breach. I have spoken to three separate agents from Equifax for a total waiting time of 2 hours who told me a password would be sent to my email and that password was never sent.
Right now I have been on hold for 45 minutes with Trusted ID after having been given their number.
Yesterday a credit card of mine was falsely used, I believe because of the Equifax breach and yet I can not set up an account with them by email or phone. I believe they are fraudulent in promising credit monitoring for one year free because it is impossible to set up an account. I do n't think they deserve to be one of the three companies with access to credit reporting after this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am attempting to sign up for the Equifax Data Breach and free credit protection. The web site is always down and the phone number they provide is always busy so you can not get through to them. I tried to enroll and then the site went down so there is no way to confirm whether I am actually enrolled in the system. This is a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The company/lender is trying to repo our car, Its the only car we have and depend on this car for work in order to pay our bills, without this car nothing gets paid and we lose everything including our home. 
We have offered to pay them {$1000.00} a month to get the loan current, that 's over {$300.00} more then the loan payment, we have asked several times for them to reconfigured the loan in order to get the payments lowered as to make it more affordable for us to manage after losing my job, they refused, in turn this resulted in falling behind with the payments, and the car ordered for repossession. 
Is there anything I can do about this and them refusing offered payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: WA

Complaint narrative:
I am writing this letter to voice my frustration and disappointed with the way Equifax ( and likely other ) financial and credit institutions protect our personal information. I was one of the tens of millions of individuals who were affected by the Equifax data breach. At the outset, three items are incomprehensible to me 1. Why is it not the case that ALL personal credit file is locked by default, and when an individual wishes to initiate a transaction that requires credit, the individual unlocks their credit file to allow the transaction to proceed, and then relocks the credit file upon completion. 

2. Why is it not the case that ALL personal credit information is encrypted when stored? Were this the case, a data breach would leave the bad guys with a lot of useless bits. 

3. Why is it that I have two-step authentication in place for all my personal finances and online data, and yet NO United States credit cards require two-step authentication to complete a transaction. 

Specifically with respect to the data breach at Equifax, my experience with them has been horrendous and a colossal frustration and waste of time. Three weeks after the publicly admitted breach, as advised, I performed step one of inquiring with Equifax as to whether I was affected by the data breach. I was informed that I was, and that I would be offered Trusted Id Premier and would be sent a link to enroll in two or three days. The link did not arrive for eight days. I used the link to enroll in Trusted ID Premier and midway through the enrollment process, their servers dropped my session, and I was told that I had to call a number at Equifax to complete my enrollment. I called that number ( after waiting on hold for 15 minutes ) and finally spoke to an Equifax representative. He informed me that I needed to speak to a supervisor and he gave me the phone number to call ( rather than connecting me directly ). I called that number and after waiting on hold for 30 minutes more, I was told that I had to speak to someone at Trusted ID. I spent two hours last night trying to call Trusted ID Premier, getting a mix of busy signals, or ringing through to be placed on hold and then later having the line dropped while on hold. I continued that until I finally got the message that I was no longer calling during regular business hours and that I needed to call back the next day. The next day, I rang through to an answering machine on my first try, and have now been on hold for 1 hour, 58 minutes, 52 seconds, and still counting. 
Even when, if, I do get connected, I do not have the confidence that my personal information is any more secure today than it was when the last breach occurred, or that any of the credit bureaus have either the motivation or ability to securely handle the personal information with which they have been entrusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I 've disputed inquiries in the past and even recently and they are still reporting! I have become a victim of your credit inquiry issue were put on my credit report I have no knowledge of. I have no reason to apply for anything, my information has been compromised several times from bank cards, ssn, etc. and now people are apparently applying for credit with that said information. I have an XXXX XXXX account given to by the government for the misuse of my compromised information I can provide along with the XXXX breach and fraud on my debit cards for the last 2 years. 

Cap 1 - Inquiry from XX/XX/XXXX Cap 1 - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX, XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXXXXXX XXXX - XX/XX/XXXX ^ notice no debt has or will be established with any of these creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The world of technology does n't work for everyone ... 
I signed up with Capital One with anticipation of improving my credit score with responsibility. I made all my 1st 4 payments OVER the amount due and EARLY. I started inquiring about the Credit Steps program and my eligibility of an increased limit. The rep told me that I was doing so well and it will be increased in XXXX. 

My personal banking account was compromised just days before the bill was due. I called Capital One to speak with the representative about paying from a different source. We were on the phone for nearly 2 1/2 hrs just for them to take my payment. I was ensured that all was well and IF I DID get a fee, it would be waived.
Month of XXXX, my banking issues were resolved and I got a new account. From my phone, I updated my new bank info and made the payment. I got the confirmation and noticed that it paid the old bank account anyway. I did the process again and paid from the correct one. All done before the due date. I called in the next day to make sure all was well ... .the rep said over the phone it would not count against me. My increase will be on XXXX XXXX and the payment was fine and apparently it was not. 

For a payment to post on the same day, it will need to be submitted Monday - Saturday by XXXX ET. A payment submitted after that time will post on the following business day. However I was on the phone with the representative well after the XXXX cut off ( not knowing ) As a result, I have been removed from the so-called Credit Steps program. I basically will just pay my monthly bill with no prospects of an increased limit UNLESS I contribute the overage. 

I was loving my Capital One experience and this XXXX up has ruined my overall outlook. I work so hard to rebuild thing and would not have been so careless to be missing payment days or by the hrs because as I said from the beginning, I paid well over the amount and before the payment date so these last 2 months is not concurrent with my payment pattern. 

This mess has now became an inconvenience. They have no intentions of helping you achieve your credit worthiness potential but rather set you up to fail with trumped up fees and when you are out, you 're out. I was deciding between Capital One and XXXX XXXX XXXX and I see clearly, I made the wrong choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: CT

Complaint narrative:
I monitor my credit report and score with all 3 credit bureaus. I believe my credit report and score is unfairly scrutinized and calculator. I pay all my bills on time and according to the reporting agencies, my score is updated twice every month. However, that is not the case. I am working on a payment plan with one credit card company and it turned out I had one missed payment. Suddenly, the reporting agency decided to update my score and take away 70 points! They suddenly did this as soon as they received information about the one late payment, but never gave me credit for always paying my bills on time. That is very discriminating and should not happen to anyone. Now, I do not know what to do to fix this. This mainly applies to THE BANK IS XXXX XXXX XXXX XXXX XXXX. I fear this is tearing down a person who works hard everyday to pay bills on time and do things the right way. Destroying my credit like this is a path to destroying my future endeavors that I am working towards. Please 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 2017-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have several student loans ( private and federal ) being serviced through Navient ( formerly XXXX ). For some time now, there has been a pretty large discrepancy between the total current balance displayed on my account on Navient 's website and the total balance I get when I add up every transaction on my account for every loan throughout the life of each loan, I get a number that is approximately {$20000.00} less than what they are showing my total balance to be. I 've contacted Navient several times ( they 're claiming they have record of 3 times, it feels like it 's been more ) for some explanation as to why this discrepancy exists. Each time I call, I get a different reason and then I 'm told that a request is being entered for research to be performed on my account. Once the research is completed, I 'm told I 'll receive a written explanation in the mail. So far, I 've only ever received account summaries for a few of the loans I have through Navient. I 've never received any type of explanation or anything meaningful that I ca n't get myself from their website. I 've had 2 customer service reps tell me that the sum of all transactions on my account should be equal to my total account balance and that they do n't know why they 're not adding up correctly. Another rep told me that it could have something to do with them transitioning to a new system or their new website ( when they changed from XXXX to Navient ). In any case, I 've yet to receive any valid explanation.

Company response to consumer: Closed with explanation