vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The following information either TransUnion or XXXX are reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK. 

2. Suddenly, on XX/XX/XXXX either TransUnion or XXXX is showing the same XXXX account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX. 

4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy? 
.

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 2018-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2018, I received a text message about my Bank of America credit card alerting me that there had been 2 very large purchases made with my card, for over {$6000.00}. I called immediately to assure them that it was NOT me who made the purchases, and to file a fraud claim. they resolved the matter immediately, cancelled my card and reissued it with different numbers, of course. 

As i was paying my bill on XX/XX/XXXX, I noticed another charge that I did not make, to XXXX. I called and was told that, yes, a charge for {$7.00} to XXXX and another charge of {$49.00} was posted to my NEW card. Again, I called and made a fraud charge, and was given the phone number to XXXX to contact them. When I spoke with the rep from XXXX, he told me that I had a subscription ... .I assured him I did NOT, and told him about the previous month '' s troubles. He asked if my email was XXXX ... IT IS NOT!!! At that point, he told me he would credit my account and send me a cancellation letter ( for an account I never opened!! ) The problem is that my new credit card number was used and I have NEVER used it! It sits in my desk drawer! HOW DID SOMEONE GAIN ACCESS TO THS NEW CARD WHEN IT IS IN MY DESK??? This must come from Bank o f America! 

The fraud case is settled and I am not responsible for the charges ... .but who, besides Bank of America has access to this card that was less than 1 month old??

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 2018-04-01 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: NC

Complaint narrative:
On Saturday, XX/XX/2018 I tried to sign up for XXXX credit monitoring services and was denied because they are not able to access my Equifax file. This is the second attempt to sign up for the XXXX services to no avail because of Equifax blocking my report. I contacted XXXX 's customer service at XXXX at XXXX XXXX to see what were the next steps and they directed me to contact Equifax customer service at XXXX at XXXX pm. I spoke with a representative and informed her that I was denied subscription with XXXX because they were blocked from accessing my report. I requested that she assist me with granting access to XXXX. The female representative states that because I am not a paying customer with Equifax, paying for one of their products that she is unable to assist me. I told her that I was informed to contact that department, but she is unable to help me? She said that she is unable to look into my request because I don't have a paying subscription with Equifax. I disconnected the call and hung up to speak with another representative. A male foreign representative answered and I requested to speak to a manager. Instead of him transferring me, he repeatedly asked if he could assist me. I told him I would rather speak with a manager because none of the representatives were able to help me in the past requests. He refused to transfer me until I asked for his name so that I can add him to the complain that I planned on sending to CFPB. He hesitates for a few and says his name is XXXX, which I'm sure is not his honest name. He then says he is transferring me to a manager. After a brief pause another male answers which sounds to be the same foreign person. I asked for his name and he says is name is XXXX. I was unable to resolve anything and am so frustrated that I have to deal with such an incompetent company. 

I find it very odd that my credit report can be pulled for a new application, but when I am trying to sign up for a monitoring service to monitor my own credit Equifax blocks the request. Knowing that Equifax is unable to protect my personal information since being one of the victims in the Equifax security breach, I am trying to monitor what is going on with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. XXXX XXXX XXXX was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) XXXX XXXX XXXX started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX XXXX and have not yet received a response as to a decision ( 90 days since reporting ) XXXX XXXX XXXX has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. 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 2018-04-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with XXXX XXXX XXXX Bank ( XXXX XXXX XXXX ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. XXXX XXXX XXXX was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) XXXX XXXX XXXX started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX  XXXX and have not yet received a response as to a decision ( 90 days since reporting ) XXXX XXXX XXXX has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recover, LLC
State: TX

Complaint narrative:
XXXX XXXX is stating that I owe a debt. I have lived out my lease turned my keys in on time and wasn't given anything in writing stating that I owe this debt.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The following information TransUnion is reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my XXXX account # XXXXwas OPEN and OK. 

2. Suddenly, on XX/XX/XXXX TransUnion is showing the same XXXX  account # XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. What happened over 5 days? 

4. My Chapter XXXX was discharged on XX/XX/XXXX. 

5. XXXX was paid {$150000.00}. 

6. My XXXX account is current with a balance of {$29000.00}.

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 non-monetary relief
Consumer complaint received 2018-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Monday, XX/XX/2018 I went to go finance a XXXX XXXX through Capital One at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I want to file a complaint against XXXX XXXX XXXX because the financial representative stated that my rate would be 1 % higher if gap insurance wasn't taken. I was pressured into taking the gap insurance. After contacting Capital One the following day, I was advised that my rate would've been the same without gap insurance. XXXX XXXX used unethical sales tactics and blatantly provided incorrect information to intimidate me and force me to accept the gap insurance. By accepting this gap insurance, I increased my loan-to-value and my amount financed which adversely affected the amount of interest that I pay over the life of the loan and my monthly payment. Gap insurance is optional and could've been obtained outside of the dealership. This is a violation of TILA. Consumers shouldn't be pressured with false information to obtain a product or service that they may or may not want. I attempted to resolve this issue the following day by contacting the general manager at XXXX XXXX. The conversation ended in him telling me that I needed gap insurance. Nothing has been done to resolve my amount financed or interest rate which should be lower than it is. I would like XXXX XXXX XXXX to be investigated for violating consumer financial protection laws. Georgia residents need to be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
The following information XXXX is reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Navient account # XXXXwas OPEN and OK. 

2. Suddenly, on XX/XX/XXXX XXXX is showing the same Navient account # XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. What happened over 5 days? 

4. My Chapter XXXX was discharged on XX/XX/XXXX. 

5. Navient was paid {$150000.00}. 

6. My Navient account is current with a balance of {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have many loans from my time at XXXX XXXX XXXX. I was enrolled for four years ending in 2004. Navient called and recommended I use a graduated repayment, so I switched to that. I have only worked in XXXX XXXX  or XXXX since graduating. Had I known I could've had my loans forgiven by using income-driven repayment, I would've stayed on that and my loans would be forgiven by now. Instead I'm starting over at the beginning. My loans have the same balance as they did fifteen years ago because of all the interest. If I stay in XXXX XXXX I'll be eligible for forgiveness when I'm XXXX, otherwise at 20 years I'll be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 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:
I am in the process of correcting my credit report and so far I have satisfied a few of the outstanding issues. However, after filing a dispute with Experian then allowing the reporting agency to confirm and verify the disputed information along with the other two reporting agencies in which I have disputed the same items, XXXX XXXX and XXXX deleted or updated my reports and in doing so, it raise my score for both agencies above 600. Experian lowered my score considerably claiming that because I satisfied a previous car loan and it was Paid In Full, they claim that this was the reason my credit score lowered, several times since I initiated the dispute. I as a consumer have NEVER seen nor have know under any circumstance wherein a consumer corrects his or her credit report to a more favorable status and it lowers their credit score or worthiness. I have spoken with a representative with Experian and she said that yes, the reason is was because I paid of a previous car loan and that account although PAID IN FULL, is now closed but it would reflect negatively on my report. My question is, why did it reflect positively on the other two credit reporting agencies? That is not fair to me or any consumer blemish a report after creditors have been paid.

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 2018-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
Midwest Recovery Systems is attempting to collect on a debt that I had already paid in full in XXXX of 2017. And I have received harrassing phone calls saying that they were going to report to the credit bureau or serve me. Please see attached receipt of when it was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 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: CA

Complaint narrative:
my loan is with XXXX XXXX XXXX. They show missed payments on my credit report when i have never missed a payment. my payments are automatically taken out of my bank account. I was late in XX/XX/2016 due to a change in my job and paydate, which i rectyfied immediatly and the payment was made a few days late and all future paydates adjusted. I ave never been late before nor since then. i have provided XXXX with statements of the 6 missed payments they claimed. though as of yet they have not been fixed. they want to discuss, though there is nothing to discuss and i told them i'd be happy to discuss via email so i have a written back up as i do not trust anything they do. no further response from 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 2018-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
address associated with my credit report is not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of identity theft. I also reported the identity theft issue to FTC. Chase Bank made a mistake and processed a transaction of {$1500.00}, without my authorization, on their own accord. As soon as I pointed it out to them that they made a mistake, by calling them on the phone, they ended a business relationship with me, in retaliation, without a reason. I am a longtime customer with Chase Bank. It appeared that Chase Customer Claims gave me a letter, XX/XX/18, which confirms their misteak. I called Chase Customer Claims, XX/XX/18 at XXXX. 
Chase Customer Claims transferred me to Executive Office at XXXX. XXXX XXXX, XXXX, gave me Case Number : XXXX A Notice of Unauthorized Use of ATM/Debit Card Account was given to me by Chase Bank. And, a response, to Chase Bank, will be given by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-01 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: NC

Complaint narrative:
I have file fraud on my credit report agencies. I worked with XXXX and XXXX  and they have agreed with all information that the creditors and I provided and all false - fraudulent mark have been removed. XXXX is unwilling to remove final mark from XXXX XXXX XXXX XXXX for the amount of {$14.00}, XXXX. This fraudulent mark has been fault with the creditor and Equifax for over two years. XXXX XXXX XXXX XXXX reported to Equifax to remove debt and fraudulent remark from my credit which showed up on XXXX XXXX and I provided a screen shot to Equifax and they still refuse to remove the derogatory false remark. I am in the process to purchase a new home but because Equifax refuses to remove the fraudulent mark of the report I will not get the loan. I refuse to allow Equifax to hold me hostile by refusing to remove mark of report and need the CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
i had flex payments with XXXX credit card. i made a payment of $ XXXX {$160.00} in XX/XX/16 and due to the way flex pay is reported i thought i was paying my card in full.so when i was contacted two months later about being behind on payments i explained to them that i paid my account in full. and i dont owe a balance on this account, and that's when i was told i cant just pay off the complete charges unless i called the bank that's providing the credit on their behalf and ask them for a payoff amount. After the explanation i made my past due and current payment. then the next month i get a call that im past due again. i responded that i just paid my past due and the present due payments. They told me how the payments were allocated. then told me im past due and my next payment is due in 2 days so i asked how much the both payments so i can once more be current. i paid the amount that i was instructed that would bring me current. Next thing i know the following month my credit score dropped 30-40 points for the second time because they reported that i was 30 days past due again.so when i reached out to the creditor i was told if i didnt make sure that pay payments were not current its my fault not the customer associate that im getting the information from i disputed to them directly and they refused to help me on this matter. i explained to them that i have a perfect payment history with them and with other creditors. that im working on purchasing a home and my score has dropped over 70pts because of the two confusing times when to my knowledge i didn't owe a payment. i just need to get this off my report 18 months later and its still holding me back. The sad part is that they admitted to me that others have had the same problem with flex pay thinking that they were paid off and because of the way its billed thery were confused. and really still owed money.that alone should of giving me the benefit of the doubt. before that all my payments were on time if not ahead of time. please help or advise me on how to get my record cleared up. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
EXPERIAN thinks I'm deceased I'm am not me and my father had same names and merge his accounts onto my report I'm deceased with, XXXX, XXXX, XXXX XXXX multiples credit inquiries, portfolio, social security admin, I tried getting stuff off I get no answer, some stuff on here I was recovering from XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation