vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
To whom it may concern, Last XX/XX/XXXX, I called and contacted both of the following companies. I was in the process of trying to fix up my credit. I called two companies in reference here : ( XXXX XXXX ( that has issues with different optional payment plans, making it hard to contact and make payments ) also ( now called here as : XXXX XXXX or XXXX ). Then Chrysler Capital, to negotiate a payment ( voluntary turned a XXXX car we purchased early, knowing we would eat a large amount because the car was worth XXXX less than what we paid for it!! ) just after 8 months making hefty payments, of XXXX more than we were told from dealership. Didn't even get a bill, for three months after we purchased the car. ( that's another complaint about this dealership ) and very low miles when turned back into chrysler dealership. This automobile we purchased from a crooked dealership, in Georgia ). Now we planned to bring both accounts current and to reflect they were paid off as agreed and the negative ratings removed from my credit reports.. I did my part, as we agreed upon, for both accounts. Now both companies were to provide me with an agreement letter showing the accounts were paid as agreed and ( unfortunately ) This didn't happen ( as agreed ) after making several phone calls month after month and disputing my credit reports. This very much has affected my credit score by more than 50 points, and I need to correct the errors with your help. I have proof of the payments were made and letters finally from Chrysler Capital showing paid as agreed, but with the wrong date of XX/XX/XXXX not XX/XX/XXXX. Many months earlier than stated on my letter and still on my credit reports with all three agencies. XXXX XXXX had a collection department handel the charge off and we paid as agreed with again proof and letter from the collection division XXXX XXXX ( XXXX, they have many names they go by ). Please help me get this corrected and share with me how to prove both were paid as agreed and when they asked me to pay not 6 months later as Chrysler is stating in the letter from a non disclosed name by email of all places and this was even hard to locate in my emails, did not come up as Chrysler, it was from other source. This isn't fair to me paying higher interest rates because companies are not updating my end after they get their money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filled bankruptcy about XX/XX/XXXX. Bankruptcy was discharged about XX/XX/XXXX. One account from XXXX XXXX XXXX XXXX had a reported date of XX/XX/XXXX at first ( i was under bankruptcy so therefore that should not happen ). Try to have it removed from credit reporting agencies with some success. Amounts owed changed but where incorrect. There 3 agencies and they each have different information. Why? XXXX seems to be the most accurate. At this time XXXX and equifax have accounts listed that where included in my bankruptcy. As I understand it those accounts should not be reporting 7 years from the date of filling ( XX/XX/XXXX ). My report should not even reflect nothing mentioning bankruptcy. Please educate me or ask those agencies to educate their selfs. Hold them responsible for information they spread that is illegally derogatory. Why do they just make more processes to be followed when it is actions they can take to ensure accuracy. They should not ask me to pay for a service to correct it. Sounds like extortion. Conflict of interest! Thank you for your service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-05 00:00:00
Product: Student loan — Private student loan
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I was notified in early XX/XX/2018 that Firstmark Services, who was servicing my student loan that they had, without my consent, stopped my auto debit payments due to a hurricane relief initiative for my area ( North Carolina - we were hit by two hurricanes in 14 days ).

I notified them that I had no need to stop auto debit. Instead of turning it back on, they kept it off and now my credit score has dropped 140 points in the mean time before I could discover the error. I want those 140 points back - I did nothing to induce these changes and otherwise have impeccable credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I Have Contacted the company to let them know the debt they assigned to me was an error on XX/XX/2019 and they let me know it was verified that the debt was mine i let them know it was an error and the debt was unverifiable and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: CA

Complaint narrative:
In XX/XX/XXXX I reapplied for an Income Driven Plan and was informed it was approved for $ XXXX/month. I filed my taxes in XX/XX/XXXX, checked the status a few weeks later and seen a tax topic code 203. Unsure what that meant I did research and found it was due to my student loans. I contacted the loan company right away and was informed my loans were put in default in XX/XX/XXXX, I was never informed about this. I started contacting the debt collection company that was handling the debt and the Department of Education. I was told there was nothing that could be done to stop the tax offset of my refund. D.O.E stated if the error was on XXXX XXXX I would need to contact them and dispute the error. I contacted the Service Recovery Department of XXXX XXXX on XX/XX/XXXX and was informed my application for the Income Driven Plan was either never processed or wasnt processed correctly. The agent I spoke with started the request to have the default reversed due to clerical error and informed me it would take 30 business days for the request to be sent to the Department of Education. I called the DOE on XX/XX/XXXX, they had not received the request yet. I contacted XXXX XXXX on XX/XX/XXXX to check the status again, I was informed the requests are sent to DOE the end of every month and was assured it would be sent by the end of XX/XX/XXXX. I contacted DOE on XX/XX/XXXX, they still have not received the request. I contacted XXXX XXXX on XX/XX/XXXX and was told their internal department has not reviewed my case yet. At this point I have waited the time they required and I had my entire tax refund offset due to clerical error on XXXX XXXX and they can not give me answer to when this will be resolved. After they do send the request to the DOE I have to wait an additional 30-60 days for the loans to be sent back to XXXX and out of default, 45 days for DOE to process the refund for the amount that was offset and an additional 14 days for a check to be sent to me. This situation has caused me extreme hardship, financially and emotionally. Something needs to be done for XXXX XXXX to resolve their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I went today XXXX to close out the account with a branch manager and he couldnt close it and give me my funds of {$2700.00}. He called risk dept and advised me they will not release the funds so they can keep charging me overdraft fees so they can get more money out of me. So he advised to call and also advised me they will keep charging me overdraft fees till the XXXX to get money off me so it can pay their paychecks. I have also received a letter that my account will be closed because a check did not clear due to insufficient funds. 

I have posted a screenshot of my current account as well.

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 2019-04-05 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I applied for a TD Bank credit card a while back but I never got anything in the mail so I figured that I got denied. But today I signed up for this website called XXXX XXXX and it says that I owe over {$8000.00} on a credit card that they never sent me. 

How can I owe them for a card I never even received? 

I called them and reported the issue today at XXXX XXXX but they said I have to come into a branch or they wont do anything to help me even though I told them whats going on. I work two jobs and I dont have time to come into a branch. 

This is discrimination against people who dont have the ability to take off from work, they are refusing to help me because I dont have free time to stop by a branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: PA

Complaint narrative:
XXXX XXXX {$230.00} this is not mines, XXXX # XXXX {$1000.00} never heard of this account, XXXX # XXXX this not mines {$2500.00}, XXXX XXXX XXXX # XXXX {$320.00} this not my acoount, XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX not my account, XXXX XXXX XXXX # XXXX {$410.00} not my account, XXXX # XXXX XXXX XXXX {$210.00} not my account, XXXX XXXX XXXX # XXXX XXXX not my aaccount .Someone stole my identity and used my name

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 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Less than a year ago Citibank lowered my credit limit for some reason so I called asked why got an answer I didnt agree with. So I closed to acct I ask the individual if there were any pending charges he said no. Later on down the road come to find out there was and I was charged late fees snd interest on them. Filed a XXXX complaint they fixed the charges but wouldnt correct the late payments on the later fees/charges they credit to the 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 explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation
State: LA

Complaint narrative:
Just received a phone call from a lady calling from ( XXXX ) XXXX saying she was from a courier service and that she needed to speak to me because they " so-called '' had legal documents delivered to me and I was unavailable and they wanted to verify my address to send these legal documents to me so I won't be a no show in my upcoming court case. First of all, what court case and second, who are you with? She would not give me the information but transferred me to someone name XXXX. He stated they've been trying to serve me with court papers and they wanted to verify my address. I asked who he as with and he stated he was with someone name ADR.  Wouldn't completely identify himself, wouldn't tell me who the company was that was " suing me '' and told me I could settle with him without going to court. He continued to threaten me over the phone about suing me and I needed to make arrangements with him today. Again, no information on who the company was that was " suing me '' and he wouldn't disclose no account number, no amount that was owed, anything. Immediately, I knew this was a scam artist trying to get banking information from me and I know if they wanted to sue me, they wouldn't call me over the phone to threaten me, I would just be served. 

This XXXX person 's phone number is ( XXXX ) XXXX ext. XXXX. Again, would not give any additional information and I can actually sue him for threatening me over the phone.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank via their XXXX store card ending in XXXX placed a {$130.00} charge on the XXXX card account in XX/XX/XXXX to pay for XXXX XXXX without my knowledge or consent. They later marked the account as delinquent in payment which damaged my credit score. During a phone call with their representative in XX/XX/XXXX they agreed to rescind their late fees, pay off XXXX XXXX using an account of my choosing, and cancel the card. On XX/XX/XXXX XXXX cancelled my XXXX account and the {$130.00} charge on the card. On XX/XX/XXXX Synchrony Bank billed my selected account {$130.00} despite the fact that XXXX cancelled all existing charges on the store card ending in XXXX. On XX/XX/XXXX after discussions over the phone with XXXX and Synchrony Bank, Synchrony Bank agreed to refund {$130.00} via a mailed check to cover their charge made to my account which should not have been made.

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 2019-04-05 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: PA

Complaint narrative:
XXXX XXXX {$230.00} this is not mines, XXXX # XXXX {$1000.00} never heard of this account, XXXX # XXXX this not mines {$2500.00}, XXXX XXXX XXXX # XXXX {$320.00} this not my acoount, XXXX XXXX # XXXX at XXXX XXXX XXXX not my account, XXXX XXXX XXXX # XXXX {$410.00} not my account, XXXX # XXXX XXXX XXXX {$210.00} not my account, XXXX XXXX XXXX # XXXX XXXX not my aaccount .Someone stole my identity and used my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: PA

Complaint narrative:
XXXX XXXX {$230.00} this is not mines, XXXX # XXXX {$1000.00} never heard of this account, XXXX # XXXX this not mines {$2500.00}, XXXX XXXX XXXX # XXXX {$320.00} this not my acoount, XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX not my account, XXXX XXXX XXXX # XXXX {$410.00} not my account, XXXX # XXXX XXXX XXXX {$210.00} not my account, XXXX XXXX XXXX # XXXX XXXX not my aaccount .Someone stole my identity and used my name

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 2019-04-05 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: AES/PHEAA
State: CA

Complaint narrative:
I took out four XXXX XXXX XXXX  at the same time to finance my graduate school education. I have been paying on those loans consecutively since XXXX, first through XXXX XXXX and now through XXXX  XXXX ( U.S. gov. ). Since I am a XXXX   at a XXXX XXXX, I always planned on applying for the Public Service Loan Forgiveness program. I have now applied for that program, but XXXX XXXX says many payments for the first two loans were under a standard payment plan for 2 years and those payments are not qualified for PSLF. So, I now have two loans eligible for forgiveness in XXXX and the two ( larger loans ) not eligible until XXXX. This means I can not take advantage of the XXXX XXXX XXXX XXXX at my university. I will be well into my XXXX when my loans are forgiven. I do not believe I should be punished for making LARGER payments, under a standard repayment plan for two years. Nobody at XXXX XXXX offered any counseling saying that type of repayment plan would be disqualifying for PSLF. This whole program is very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see page 9 attached. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2019, I was notified by a credit monitoring service that a collection was added to my report by XXXX XXXX/ Capio Partners for a medical collection from XX/XX/2019. I called the number and asked what this was in reference to. The employee explained the debt and I told them I never received anything from their company regarding the debt so I could dispute. The employee stated that I was not notified because they did not have a valid address on file and was unable to reach me by phone. They asked could they confirm the address and phone. I gave her accurate information. I told them they could not add to my report without giving me a chance to review and file dispute. She stated they were sorry and I could pay the debt and have account deleted from report. I paid it so it could be deleted ; however, I never was able to dispute it. I have no idea what I paid and if it's mine. I do not recognize the original company ; however, I was desperate to have it removed so as not to interfere with my credit. I have paid debt, received no receipt or confirmation of deletion as promised via email. Company never gave proper notice nor chance to dispute and continue to report debt as owing and on my report when promised to delete trade.

Company response to consumer: Closed with non-monetary relief