vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company XXXX series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also XXXX documents and I 've gotten zero response from them either. This bureau did respond just with notices of an alert. 
I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail. 

thanks, 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 non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom it May Concern : Pursuant to Case number : XXXX, Transunion agreed to remove the late payment reported for XX/XX/2015, regarding XXXX Acct. No.XXXX. 

Transunion is currently reporting the XX/XX/2015 payment as 30 days past due. 

I demand that Transunion remove the late payment from my credit report, and ensure that it is permanently deleted.

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 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by XXXX. There are duplicate entries by bank for XXXX. XXXX of the XXXX entries by XXXX XXXX XXXX has been deleted but an extra XXXX remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than XXXX days ago and the items remain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX 2016, I checked my credit on XXXX and had a total of XXXX hard inquiries removed from my report. I checked my account on XX/XX/XXXX and all XXXX hard inquiries were placed back on my account without sending e a reinsertion letter as required by FCRA 611. I have been calling Transunion every since and received no help. No one will transfer me, no one will connect me with the American representative or the fraud department. Multiple agents have been belligerent, some have told me they know what happened but that it is basically too bad and I will have to file a complaint because they will not fix 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 non-monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was directed to annualcreditreport.gov which sent me to FTC consumer mationinformation wed site, free credit reports, which then directed me to thelink annualcredit-report.com, clicked on request your free credit report XXXX XXXX took me to XXXX clicked on request your free credit reports, which took me to XXXX filled in all my personal information as well as XXXX, & clickedon NEXT ; this is what I got instead of my credit report : There is no Action mapped for namespace [ XXXX ] and action name [ null ] associated with context path [ XXXX ]. 
XXXXSo now I 'm wondering if this website is a scam, and I 'm afraid someonehatched my information. Whose website is this that your agency is send-XXXX me to. Can you please explained to me what happenedhere. Many people are directed beside myself to this website! 
Thank you for your attention to this grievous situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
i had no knowledge of this account. Payday loan was deleted from XXXX bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: KEYCORP
State: MI

Complaint narrative:
I had negative balance in my key bank account .When I saw this I contacted key bank customer service and the person I spoke with had in touch supervision and confirmed me that all the minis balance ( total {$62.00} ) will be waived from my account mi waited for another few days and checked if it 's saved but seeing it 's not been waived I contacted again then they promised that my request has been to somewhere to get it sanctioned that 's why it takes time and also made sure that I could even go to the local branch to get it waved, I do n't need to explain everything will be there in system.i thought OK and was busy with other stuff, checking my account today I was shocked to see that not only my previous balance was not waved but also there was a new reccuring overdraft fee added to the account totalling {$91.00}. I called customer service and now they say they have nothing in the system and do n't know anything about my previous calls.i am totally helpless, they are being money looters and I can not let it go like this.Expecting help to resolve this issue.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
During XX/XX/XXXX, I XXXX closed my business ' checking bank account ( at XXXX ) and switched to XXXX. 
During XX/XX/XXXX, I called up Citizen One Auto Finance requesting a form to be set up with auto-payment through the new bank account. 
I was sent a form to fill out which I did. However at the beginning of XX/XX/XXXX ( sometime between the XXXX and the XXXX ) I received a call from Citizen One Auto Finance notifying me that my account is past due. I immediately paid the balance and requested again to be set up with auto-payment. 
I received another auto-payment form which I filled and mailed on XX/XX/XXXX. 
To my great disappointment and frustration, I received another call on XX/XX/XXXX notifying me again that the account is past due. 
At this point I started to ask questions. After spending 6 hours on the phone and speaking with over 10 customer representatives I finally found out that the auto-payment request form which was mailed on XX/XX/XXXX was only received on XX/XX/XXXX, a fact which I find hard to believe. Additionally, I was informed for the very first time that it takes up to 2 billing cycles for the auto-payment to be implemented. Had I known this fact, I would have continued to send checks until I would see the auto-payments coming out of the bank. 
Later on that day, I discovered from another representative that both applications were rejected because a letter from my bank specifying that I 'm a signor on the account was not provided along with the form. This requisite was not communicated to me during the 2 phone calls in which I requested the auto-payment set-up. Most importantly, this requisite was not listed what so ever on the instructions of the form itself. The form does say however, that if it is incomplete it would be sent back to me. That never happened! And when I called for the second time for the auto-payment set-up no one informed me that my first application was rejected or the reason. 
I feel that Citizen One Auto Finance was being deceitful and was withholding information to gain more late fees and hurt my credit score. 
I had to spend an entire day calling dozens of times and being told at times actual lies ( to discourage me to file a complaint with their credit bureau ) in order to discover the real reason the auto-payment was not implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: NY

Complaint narrative:
Hello on XXXX XXXX i woke up to check my credit account and i saw a new collection account was added to my account. Upon further review this indeed was a collection account that was once removed from my credit report was added on again by the same collector without prior notice. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was XXXX/XXXX/17. 

Pursuant to the FCRA, I 'd like to be provided with copies of the certification required for reinsertion for this account. 

Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
XXXX Additional information. As part of, or in addition to, the notice under clause XXXX a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion XXXX a statement that the disputed information has been reinserted ; XXXX XXXX XXXX the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;.... '' I was not so notified. I am disputing this item. I will allow you 15 days to furnish this information, however if you do not provide the information requested, you must delete this account as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. 

Thank you for your time and effort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo working with an insurance firm in Florida, allowed this firm to take monthly payments from my bank account of XXXX monthly. I never authorized these payments this started in XX/XX/XXXX and went until XX/XX/XXXX. I went to the manager of my branch who told me they had a working relationship with this firm in Florida, I told her  i never authorized these payment nor bought this insurance from them, and asked her to show me any authorization from me.Which she never could, so they decided after some time  had passed she said they would pay me for three months or so since It was my fault for not checking my statement more closely. I would like full restitution from Wells  Fargo. I have the bank statements showing them automatically making these unauthorized payments.

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 2017-01-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
A collection agency contacted me regarding a XXXX balance. I settled for a small amount to clear the debt. It is still showing on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I received a letter from Synchrony Bank stating that my request for a credit card with a retail store ( AE OUTFITTERS ) has been denied, however I have never applied for a credit card with this store. I have shopped at AE stores and at their online store before, however I have never applied for a credit card. Additionally, the reason given for the denial is " no credit bureau file '', which is incorrect. I did check my credit report with XXXX just now and everything looks fine and no credit inquiry from Synchrony Bank is listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/2016 my car was repossessed by a private repossession company which was ordered by KIA Motors due to missing payments. I called in KIA Finance on XX/XX/2016 and made a full payment request of {$1300.00} which was charged to VISA card ending XXXX. The amount included the Repossession Fee of {$370.00} for Towing the car. 

On XX/XX/2016 I went to the location where my car was towed to pick it up. Since I was already told by KIA that the amount I paid them included the {$370.00} for the towing fee and they had updated the towing service company, I went ahead to pick up my car. Upon arrival I was told by the towing company 's clerk that they had not received payment from KIA and they never receive payments unless by the person actually picking up the car. They said I was unable to pick up my car unless I paid. I went ahead and called KIA, they told me I can go ahead and pay and they would refund me the {$370.00} for towing fee. I paid the clerk at the towing location and took my car home. 

For the following days I waited to see a refund from KIA and I never received a call from them. On XX/XX/XXXX my account was up to date with {$0.00} balance. 
On XX/XX/2016 I received my invoice with my monthly car lease payment and in addition a {$370.00} that reflect as Miscellaneous Charges. I called KIA FINANCE to see what was going on because I was n't refunded, credited and on top of that they had added another {$370.00} ( I do n't know for what ). I immediately got on the phone with KIA Finance and was told they would remove the charge because it was a mistake and they would refund me the {$370.00} previously charged. The following month my statement arrived with the {$370.00} now added to my monthly lease. 

Bottom line I paid money to KIA which never reflected on my account. I paid {$1300.00} and not a single invoice displays them crediting my account for that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
For the last 2.5 years, the creditor, Pentagon Federal Credit Union ( aka PenFed ), continues to incorrectly report an account ( XXXX ) on my XXXX credit bureau report, even after multiple disputes to have them correct this multiple times for the last 2.5 years. This closed account is a former automotive loan. The vehicle was repossessed in XX/XX/XXXX and went into charge-off status in XX/XX/XXXX. Further, XX/XX/XXXX was the date of first deliquency that preceded the XX/XX/XXXX collection activity, thus the negative aspect of the account is now over 7.5 years of age, and the account should be deleted from my XXXX credit bureau report. It has already been deleted from my XXXX and XXXX reports due to such. Per Section 605 ( c ) ( 1 ) of FCRA : " ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. '' However, PenFed continues to report the account as paid as agreed and in good standing, and does not list any negative information, effectively re-aging the account. While some would find my situation ideal, the issue that I continue dealing with is many creditors see the account and assume I have outstanding debt. It drastically affects my debt to income ratio by being seen as outstanding debt, and I often get turned down for credit. No matter how many times I have attempted to contact PenFed conceding this, they never correct the erroneous data they are reporting, even when they agree with me that it is reporting incorrectly. This is a seriously violation of federal law. I have included PenFed account statements showing the date of first delinquency proceeding the charge-off, as well as statements showing the date of charge-off.

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 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is the lender for several of my loans. My original loans were never properly credited. I was always told about deferment or forebearance when I was employed in XXXX working for the XXXX in the XXXX from XX/XX/XXXX to XX/XX/XXXX. I would have been beyond eligible programs for repayments of {$0.00} because my salary was {$XXXX} hr for family of XXXX. When I finally got introduced tip repayment program and how it would work for me I got a {$0.00} payment but reapply every yr was a process. Either my forms werent received so ended up with missed payments. Offered deferment until I sent them in again. Once I was denied for missing spouse information, when Ive never been married. Once denied for only sending 4 weeks income verification. Never understanding those deferments changed my status with company but no correction to credit agencies. This still hinders a person from employment opportunies. I wanted a lot from obtaining my degrees, sadly the market still only affords me a salary under $ XXXX a year. Once I was laid off and used 401k money so it made my payments go up but because I received numerous communications it can be confusing to a genius. The combination of compounding interest, complex communications and settling for deferments is a recipe for never ending debt. Customer service reps seem to ask u about deferment as those its not a solicitation but of course every one will accept it because they cant jeopardize a bad repayment history. I failed to mention I worked on XXXX for 3 years. When I was laid off for 5 months in XX/XX/XXXX I refused to call the lender for fear by credit for my {$0.00} repayment would result to me being put back on forbearance which doesnt help me with payment credit to satisfy the loan just make it were I dont have a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: IL

Complaint narrative:
During my last recertification of IBR, ACS reported my gross income as {$XXXX} using my paystubs. They said they based it on a 12-month work period. The only problem with this is that I am a XXXX and XXXX only work from XX/XX/XXXX to XX/XX/XXXX in our XXXX. My income should have been based on around XXXX instructional days. Also, XXXX do not earn on XXXX break, XXXX break, XXXX break and holidays in between, including training days for XXXX. 

As a XXXX, sometimes I get to work as a XXXX. I may earn the first year XXXX rate working as a XXXX, but nowhere near XXXX as ACS claims I earned. My concern with this unearned amount reported by ACS is that it may influence the standard repayment plan to a higher amount. ACS claims that they ca n't go back now because it is too late. I requested them to put the amount back into the loan, but they wo n't do it. This amount is now past due even though I am under IBR and recertified with them. While I tried recertifying, I had paid a previous standard repayment due to my late recertification. ACS denied my IBR forms claiming I did not select the correct check mark. I feel ACS failed to help me 3 times within 45 days to help me correct the issue by delaying the acceptance in order for my account to get hit with another standard repayment plan due to lateness and collect a little more from me. I want the Bureau to investigate this further to find the discrepancies that appear in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Prepaid card — Electronic Benefit Transfer / EBT card
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX forms are submitted.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX has forms for lost credit cards free they at XXXX won, t release lost credit cards XXXX , XXXX XXXX Branch Manager, XXXX XXXX left on claim without issue money or funds on our account XXXX left and we won the Grace Period represented by XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX represented in Federal Court XXXXXXXXXXXX represented We have XXXX. Authorize Nrt excepted application XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Complaint. Supreme Court has Law Judge, s Misconduct NYS Commissioner of Human Rights XXXX has harassment @ Housing Complaint. Housing Urban Development XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Novelty XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX Lawyer. XXXX XXXX XXXX XXXX. Banking in XXXX has Settlement Forms

Company response to consumer: Closed with explanation