vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 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: AL

Complaint narrative:
XXXX reported a collection to the 3 credit bureaus. I am not sure that collection is mine, however I did pay the collection and have attached a receipt showing it was paid on XXXX. The collection company told me ( See attached letter ) that they will remove the collection off of my credit report. As of today, the collection not only shows on my credit report, but also still shows the balance as not paid ( See attached paperwork ). This should have been removed and updated as paid but still has not been done. I have contacted XXXX about this and they stated I need to have the credit bureaus remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Hello, I am desperately trying to clear up student loan issues with Navient. They have me taking out loans at XXXX XXXX XXXX, where I have NEVER taken courses from. There are 4 loans in the following amounts paid to XXXX XXXX XXXX. in my name : 1 ) {$11000.00} 2 ) XXXX 3 ) {$17000.00} 4 ) {$30000.00} My credit score has been very affected by this and I'm trying so hard to be able to get my official student loans in a place where I can manage paying them back. 
Also, in 2012, ten years ago, I submitted all of my Teacher  Loan Forgiveness signed forms and have been fighting ever since them to get the releif from my years of teaching service in very low performing schools. 
Currently, I am working in a very low performing school in XXXX Public Schools as a XXXX XXXX. XXXX, trying to organize a way to pay back my loans and with the hopes of getting a portion of them forgiven, however, all of the above loans are to a Univ. that I have NEVER attended. I would appreciate it if you could please investigate this and help me to resolve this matter. I have nothing from this Univ. on my transcripts and can request them to be sent to you if needed. 
Please contact me and help me to resolve this issue please! 
Thank you, XXXX XXXX Former Names ( XXXX XXXX, XXXX and XXXX ) SS ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education

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 2022-01-24 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: CA

Complaint narrative:
XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education

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 2022-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashable LLC
State: PA

Complaint narrative:
I paid off my loan with XXXX Kashable in XXXX of 2021, however due to issues with our systems at my agency being hacked, and my govt ID needing to be reset, I was unable to stop my financial allotment. I mentioned this to XXXX Kashable and they were able to refund my allotment payments. On XXXX, I was able to gain access to the system and stop the allotment. I contacted XXXX Kashable and provided them this documentation, however despite this, they are holding my funds arbitrarily, and state they will not issue my refund ( s ) despite me fully paying off my loan and providing documentation that the allotment was stopped, and why there were issues with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
I was robbed on XX/XX/30 took me seven days to get a live person on the phone I have my call log to them then I was told some documents were being sent and would take 3 to 5 days this was on the XXXX I get on the XXXX I fax it over I had until the XXXX to get them in. So I call this morning and they already closed my dispute I have done some investigation of my own and these people are on camera using my card and I dont get my money back. This direct Express card needs to be taken off the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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:
Tennessee Department of Human Services, under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher that's forgery and misleading when the courts don't report this type of account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Visa Southwest airlines card : Fraudulent charge for {$4600.00} on XX/XX/22 and {$3400.00} on XX/XX/22, both to the same merchant. Chase initially warned me of the fraud, texting an alert, and asking me if I did or did not authorize this transaction. My response was NO. They subsequently closed my account for safety, revered the charges pending an investigation, and issued me a replacement card with a new number. Somehow, their investigation determined that these WERE in fact charges that I had made, and they reinstated the charges, now onto my new account. I disputed them again, to which they again ruled against me, but said they could not release any written documentation of how they came to that determination. I again appealed a third time, on XX/XX/22, and that appeal is still withstanding. My belief is that Chase Visa may somehow be complicit in this fraud, as there is absolutely no way these charges are mine. The {$4600.00} charge says it was made in person, in XXXX XXXX Illinois. I live in California over XXXX miles away. Not possible. 
I'm still waiting for their response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a credit history of 21 years. This month, I checked my credit score through XXXX and saw my score had dropped XXXX points, because my length of credit history was 5 years. 

I called XXXX, they told me they use Transunion scores. I called XXXX  last week to explain, and was told it was being escalated and they would call me back. 

They did not call back, and there was no sign of it having been reported at all. I called Transunion today, to be told that - while XXXX says they use Transunion, there's no guarantee they aren't using outside third-party metrics bla bla bla - and, in short, there's nothing they can do, either. 

My XXXX and XXXX show the correct length of history. Why has XXXX/Transunion lost 16 years of credit, and why won't they fix it? I'm furious.

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 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: AE

Complaint narrative:
The company called my number and asked if I was the person they attempted to call. From there they said they were calling to get information about my ex. Why are they harassing me about getting in contact with her, and why they asked to verify if I was me on a recorded line. They should not be contacting anyone other than the person who has a Debt with them directly. I called the number ( XXXX ) and asked who they were and and what is their business. He told me Williams & Fudge but declined to said what is their service industry. This is an unethical business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
We have 3-year auto loan through Mazda Financial services XXXX We had the account set up for recurring payment which processed successfully on XX/XX/21, XX/XX/21, and XX/XX/21. 

In XXXX, my wife and I attempted to change the recurring payment account to our joint checking account. Mazda Financial Services allowed us to make the change, and we received an email on XX/XX/21 that our recurring payment was about to proceed. 

Our complain is in regard to what happened next. Mazda Financial cancelled our recurring payment without notifying us. The account went unpaid until XX/XX/21 when we realized that they had not debited our account in XXXX, XXXX, and XXXX. The recurring payment had been cancelled and completely removed from our account. We immediately paid the full outstanding balance and setup the recurring payments once again.

Mazda reported our late payments to the credit agencies/companies and our credit score took a massive hit, to the point where our application for a home loan was denied. We had stellar credit scores before this happened. We were making a good-faith attempt to pay the monthly balance through auto-pay, so we believe this is extremely unfair given we were not notified of any issue. 

When we called Mazda Financial Services they couldn't even tell us why exactly the payments had been cancelled, and couldn't tell us what account they had attempted to transfer the payments from. We have no way of knowing what caused the error/cancellation of our recurring payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
This is in regard to Citizens One Home Loans. I have been trying to get a current copy of my mortgage statement and can not. They have blocked customers who have their home loan in forbearance from accessing their account online. I have called there for several days and spent up to 5 hours waiting on the phone not to speak with anyone. One representative will transfer me to customer service about trying to get a copy of my monthly statement and find out why I can't access my account. I held on for 2 hours and no one answered the phone.

No one will return your call on the second note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased XXXX  from XXXX ON XXXX XXXX in the amount of {$840.00} for a Concert at XXXX. I used my American Express Credit Card. My Amex has a {$25000.00} credit limit. I filed a dispute due to not receiving the etickets. American Express stated that there was going to be an investigation and it may take up too 8 weeks. Then 4 weeks later they put back the charges and stated the company has a no refund policy. I explained that I never received the tickets, and how was a liable for merchandise I didn't received. I also stated that there should be a way that tickets purchased can be proven that it was redeemed at the XXXX I disputed this charged 3 times and Amex continue to tell me that the company has a no refund policy. I explained multiple times I didn't receive the merchandise. I paid the amount because I'm in the process of purchasing a home and wanted a XXXX balance on my card. The concert was XXXX XXXX, 2021. I didn't attend due to not having the eTickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: AZ

Complaint narrative:
This debt collection account was opened on XX/XX/1921. 
In the interim I never received a notification or billing statement requesting payment on the account. 

I then opened my credit bureau information around XX/XX/XXXX or XXXX and was stunned to see that this collection account I didn't recognize. 
I then discovered that the account had just been reported XX/XX/1921. 

I sent dispute letters to all three bureaus of which I haven't received any notification online that the disputes are even being worked on. 
I know they get swamped working on other accounts. 

I then sent online disputes about the collection account to XXXX and XXXX and a week later the results were " Account Verified '' as mine. 

I'm waiting for any results by mail, email, anyway. 

I have been rebuilding my credit history using credit cards all payments on time and this collection account has been an awful stain on it Please help ... Than you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DRB-40, LLC
State: GA

Complaint narrative:
Was pressured into making an arrangement on an account, and was not given the option to dispute the debt. Creditor used an unknown number that didn't leave voicemails, and couldn't look up the number for validation. And I never received a letter in mail about debt or ability to dispute the debt because I have never felt the debt was fair. Was told creditor wanted me to make a payment within 7-14 days after contact, and would not accept a further out date that was good for me, so I had to make up a date that I know wouldn't work just to make sure no one comes after me. Colllector informed me, another company that owns the debt will not stop until they get the debt, and the statue of limitations is almost up, giving me a fear that that would sue me immeditely, so i called back a day later and made a arrangement because i just started a job thursday after being laid off for 2 years because of the pandemic. I called back and cancelled the agreement 2 hours later, because I felt it was a scam and a trick, and I was right. 

Called XX/XX/24 was trying to collect {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: MD

Complaint narrative:
I asked for a removal of incorrect inquiry and the company refused to remove. When asked to speak to supervisor, I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: AL

Complaint narrative:
XXXX reported a collection to the 3 credit bureaus. I am not sure that collection is mine, however I did pay the collection and have attached a receipt showing it was paid on XXXX. The collection company told me ( See attached letter ) that they will remove the collection off of my credit report. As of today, the collection not only shows on my credit report, but also still shows the balance as not paid ( See attached paperwork ). This should have been removed and updated as paid but still has not been done. I have contacted XXXX about this and they stated I need to have the credit bureaus remove this.

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 2022-01-24 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: AL

Complaint narrative:
XXXX reported a collection to the 3 credit bureaus. I am not sure that collection is mine, however I did pay the collection and have attached a receipt showing it was paid on XXXX. The collection company told me ( See attached letter ) that they will remove the collection off of my credit report. As of today, the collection not only shows on my credit report, but also still shows the balance as not paid ( See attached paperwork ). This should have been removed and updated as paid but still has not been done. I have contacted XXXX about this and they stated I need to have the credit bureaus remove this.

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 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Social Finance, Inc.
State: NV

Complaint narrative:
XXXX XXXX communicated incorrect and inadequate information regarding payment due date and statement cycle end date. Representatives have communicated multiple varying due dates each time I contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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:
Tennessee Department of Human Services, under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX  court as the furnisher that's forgery and misleading when the courts don't report this type of account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I had a leasing car with Honda. My lease terminated in XX/XX/XXXX. Before my lease expired, I returned the leasing car back to Honda on XX/XX/XXXX. I also returned my car plate and car registration card to Virginia DMV to take my name off the car title. 

Then on XX/XX/XXXX, I received tax bill of {$330.00} from Honda Finance asking me to pay for the car property tax for year XXXX. I called Honda Finance. They told me to pay for the tax first and they would request tax refund with Virginia XXXX XXXX. So I paid the {$330.00} tax bill. I was told by Honda Finance that it would take 6 to 8 weeks for XXXX XXXX to process the tax refund. After 8 weeks, I didn't hear anything from Honda. So I followed up with Honda Finance on my tax refund. Then this time they told me it would take 8 to 12 weeks to receive the fund. After 12+ weeks, I still didn't receive the refund. So I called again, a different person told me it can take up to 6 months. So it should be XX/XX/XXXX the latest. 

After 6 months, in XXXX I called Honda Finance again. I told them that it had passed the 6-month timeframe. The person who picked up my call said at this point there was nothing they could do except for waiting. In addition, she asked me to follow up with XXXX XXXX myself ..... 

Then I called XXXX XXXX Finance Department to figure out what was going on with the tax refund. XXXX XXXX told me the reason why the tax refund was held up was that there was missing information for Honda Finance. Honda never provided document to them which showed the exact date when I returned the leasing car so that XXXX XXXX didn't know how to calculate my tax refund amount. So I called Honda again to ask them to submit the missing information. Honda sent insurance cancellation letter on XXXXto the county. I was told by XXXX XXXX in late XXXX that the refund was approved and was about to be mailed out. I called Honda last week to see if the refund check has been mailed. Again this time they told me to just wait. I asked them to follow up with XXXX XXXX and they doesn't seem to really care about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing this complaint without influence** I have notified Transunion about providing information to unknown entities. Please review attached documents for reference and for relevant details.

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