vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 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: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 30 plus ) days late on the XXXX XXXX   partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: NC

Complaint narrative:
On XX/XX/2019, I contacted Capstone Credit Collections in regards to a debt that showed up on my credit report when I tried applying for an apartment. It showed that I owed a debt to two apartment complexes. I have never been evicted nor have I ever owed a balance to any apartment complex. The complex I applied to gave me the number to XXXX XXXX. I called XXXX XXXX and explained my situation. They gave me the name and number of the companies that was reporting two collections in question that was showing on my credit report. When I contacted Capstone on XXXX-19, I spoke with XXXX/XXXX whom I explained that I had applied for an apartment and this showed up on my credit report and I explained that this was not my debt, I never lived at said apartment complex and I would like for it to be corrected. She asked me how was I going to prove that I did not owe the debt. I advised that I could provide a copy of the lease of where I actually lived at that time. She rudely advised me that, that was not proof of anything. So I asked well what proof would you need. She advised me to email a copy of my driver 's license to XXXX so they could compare signatures. Which I did immediately. As I was asking her if there was anything else she needed, she became accusatory and told me if she didn't receive anything, they were going to hold me responsible for the debt. Since it was only one day before the weekend, I waited until Monday, XX/XX/XXXX to call and see how the investigation was going, I did not get an answer so I left a message. When my call was not returned the next day, I called again and left another message and sent an email inquiring about my dispute. I repeated this several times throughout the week and I have to receive any correspondence or have any of my calls returned about this debt that I do not owe. When I spoke to XXXX/XXXX I advised her that I am in a time crunch and have to move by XX/XX/XXXX.. I have been assigned to XXXX by my job and I must find somewhere to stay and I would need a letter from Capstone stating that this is not my debt. This company has refused to return my calls or emails after I provided them with the proof they told me they needed in order to furnish me with the letter that I need to be able to lease my new apartment. I understand that this business may receive these type of calls on a regular and people are trying to get over to get something off of their credit. I actually do not owe this debt and am willing to provide whatever proof this company needs so I can get what I need to move into my apartment in about a week. This company is highly unprofessional and if I need to file a lawsuit for violation of FDCPA, I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, I was out at dinner with my wife at XXXX XXXX and attempted to use my card to pay for the dinner. The card was declined although I had sufficient funds to cover the transaction. On XX/XX/2019, again I was out with my wife at XXXX restaurant and when I attempted to use the card to pay for the dinner the card was declined although I had sufficient funds in the account to cover the transaction. I was mortified and totally embarrassed as the waiter comes back to inform me that my card is not working. On each occasion I contacted Wells Fargo customer to explain that I am ok with account being under review for suspicious activity, however you did not give me the opportunity to resolve immediately. I informed their customer service on both occasions Wells Fargo failed to notify me via text alert, email or phone call that they have detected suspicious activity so that I could promptly respond and informed them the transaction is valid and to allow it to process. When I contacted them on XX/XX/2019, I informed them of the most recent embarrassment with my card being declined. I even informed them that their fraud detection worked perfectly earlier that morning when I returned back from a trip and had to pay {$36.00} for airport parking. Their system had detected assuming purchases were made while on my trip to XXXX the day before and wanted to ensure it was me. The cashier informed me my card was declined and I immediately received a fraud alert via text, which asked me to respond whether the transaction was valid and I responded yes immediately. I asked the cashier to run the card through again and it worked fine. However, I was not given this opportunity on neither occasion when I had take my wife out to dinner. You begin to think is the company being discriminatory. Who knows at this point because I have not received a valid explanation as to why my I was never contacted about the suspicious activity by their fraud  detection unit via text, email or phone when my card was declined at the restaurants.

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 2019-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT ALSO WAS IN THE XXXX  DATA BREACH I HAVE BEEN GOING OVER THESE ISSUES FOR MONTHS NOW IN REGARDS TO FRAUDULENT THINGS REPORTING ON MY CREDIT SERVAL TIMES AT LEAST EVERY MONTH THIS YEAR OF 2019 I HAVE TRIED TO HAVE THIS ON GOING ISSUE RESOLVED.

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 2019-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
I had my payments set up to automatically come out of my checking account for my lease through GM Financial. After the lease was paid off and the account was closed the continued to take payments out of my account. When I called to inquire about it they were extremely rude to me and refused to tell me when I would get my money back and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am complaining this due to inaccuracy. The late remarks varies from bureau to bureau. I cant afford to have a late remark on my credit report because I am aiming for a good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi checking account offer : open checking account and deposit XXXX dollars and will get XXXX   XXXX XXXX miles. 

I opened my citi checking account around XX/XX/XXXX, the XXXX dollars was funded around XX/XX/XXXX, but today is XX/XX/XXXX, almost 4 months, I haven't got the miles. I am trying to contact customer service several times, they don't want to solve my problem and just kick me around, and transfer me to the wrong department, I was trying to explain to them when I oppened my checking account, it didn't asked me to enter my XXXX XXXX account number, if the XXXX acount number is not in your system, how could you give the miles, each call cost me more than 1 hour but nothing was solved, they just asked me to keep wait for the next cycle.

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 2019-10-24 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: FL

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: ME

Complaint narrative:
I have called over several months, and submitted a request more than a month ago now to formally have my student loan interest ammount looked into. I am on an in income based repayment plan and only have subsidized loans. The monthly payment amount I was told to make was detremined to be {$0.00} as I did not have a job. This means that the government ( because I have subsidized loans ) should be paying 100 % of my student loan interest, yet they are only covering approximatley 50 % and I have accrued nearly {$250.00} worth of outstanding interest. Again, my interest on this plan should be paid by the government as I have not ever received the governmetn interest susbidy for more than a year before ( i know that if you have received it for 3 years then the subsidy drops down to 50 % -- - that is not my situation. ) I was on a similar repayment plan for a year in 2015 and had VERY similar issues ( though at that time they failed to pay any of my interest at all that they were supposed to ). This took nearly a year and a half to resolve and I had to pay out of pocket and cover those illegitimate interest fees ( after the one year mark when I started to make regularly monthly payments ) at the time to ensure that my credit wasn't ruined. I would not be surprised if this were a regular tactic of MyfedLoan to get more money out of people and prey on their confusion regarding student loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Addresses are reporting on my credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Asset Management Systems Inc
State: WI

Complaint narrative:
Financial Asset Management System contacted me in XX/XX/XXXX with a letter stating that I owe more than {$2000.00} for a student loan that originated with the University XXXX XXXX XXXX in XXXX. 
I had previously paid this loan in full to XXXX XXXX XXXX over a period of several months, with the final payment in XX/XX/XXXX. 
I called FAMS and let them know there had been a mistake. The Customer Service person I spoke with said this is not unusual -- that XXXX had sold a loan to her company that we had already paid. She asked me to forward the documentation I had to the client services team and her supervisor. I did so and also filed a dispute with XXXX. 
Today I was informed my dispute was denied. I can not get a response from FAMS. I did however recently receive a second collection letter from them.

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 2019-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Collection : commonwealth financial systems- have a medical debt from XXXX which is {$7100.00} this debt is a medical debt, this is an incorrect and a wrong debt- I called the collection company months and months calling everyday asking them to email me or fax me or mail me a copy of this bill any information regarding this bill that never happened, I disputed it they said I have to send them proof of insurance I did, I was given the wrong email over and over again. They never gave me a bill/ never gave me their email address to send them my insurance proofing I been having insurance and this is not my BILL that was something not covered by my insurance as my insurance was never ran. 
I finally spoke with manager they gave me a wrong email again, I called her back demanding her to send me an email so I can reply back to the email and send my insurance information ( I sent proof of insurance since XXXX ) then still they did nothing they refuse to remove this from my credit, they refuse to do ANYTHING regarding this issue, I disputed it with XXXX  5 times so far it comes back as accurate however when I call them asking them how is this accurate they said they have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I purchased a XXXX XXXX with gap protection in XXXX. My auto was total loss XX/XX/XXXX. My insurance paid about XXXX leaving me with XXXX. I was under the impression that the gap would pay the balance. I filed a complaint with the Chrysler Capital and it went to a few supervisors. They advised because I used the deferment option that it voided the gap. This was never advised when purchasing the product. I was left with paying a monthly payment for a car that I didn't have and had to purchase another auto and had a payment on my new auto. I couldn't afford to not make the payment because i was worried about it affecting my credit with purchasing a home. Also my mother was cosigner and I couldn't gamble with messing up her credit too. This went against my debt to income ratio because I had to purchase another auto. I did research and saw that this happens alot. I work in finance and see charged off balances all the time. My customers advise they had a total loss and that was the balance gap didn't cover. I never understood until it happened to me. I am out of XXXX because I had to pay it off and couldn't afford to manage two car payments. I want my money back because this was not explained when purchased and they never offered a refund for the gap coverage or tried to meet me in the middle with anything. This is unacceptable and they should explain what disqualifies you so that people now rather they want this coverage. Things happen in life and sometimes you aren't able to make a full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: GA

Complaint narrative:
Republic Finance did not inform me that insurance was not needed to secure loan but Republic Finance used my need for the money and/or fear of not getting loan against me and encouraged adding insurance to loan Received check for XXXX, amount financed XXXX finance charge ( dollar amount loan will cost me ) XXXX but amount of debt totaled XXXX If I do not try to pay off sooner will end up being charged XXXX, XXXX Republic Finance practices encouraging insurance and motor club as it jacks up debt owed I signed and submitted document within 30 day limit to cancel insurance amounts of XXXX XXXX XXXX which totals XXXX Republic Finance refuses to remove these insurance fees from my loan amount Republic Finance also refuses to remove car club XXXX from my debt as I cancelled this service as well within 60 days I asked if Republic Finance accepts lump sum payments that are applied towards principal only and Republic Finance responded " NO '' In my opinion all the practices I have outline make it next to impossible to pay off debt sooner and this company is out to GOUGE you not HELP you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient has repeatedly misallocated payments, lied about refinancing options and at the start of my repayment with them attempted to get me to go into forbearance excessively. 

I recently was approved by XXXX to pay off my loans with Navient and they sent in a payment for the entire loan amount. Navient placed a majority of that loan into one account leaving it with a negative balance and me with a remaining balance. They have done this in the past with my government student loan checks. This is also the top reason they were sued. I discussed it with Navient and they stated they would look into it and make the change, but this wont happen until the XXXX of XXXX and I will owe interest to them at that point on the loans not paid. 

Before I went to XXXX, Navient stated on several occasions that I was not eligible for consolidation of my loans, a flat out lie. I was offered income based payments only. I asked them repeatedly about other loans options and was told there were none. When I contacted XXXX, I found out about private loans and received a much lower interest rate. 

Navient is a scam on student loan borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
On XXXX XXXX I received a letter from Phoenix Financial Services LLC/ XXXX XXXX XXXX XXXX XXXX trying to collect a debt for two charges totaling {$2000.00} dollars from medical bills datedXX/XX/XXXX for the amount of {$1000.00} dollars and a second one from XX/XX/ for {$1000.00} dollars. They have called me regarding the debt and they also have reported the debt to the credit bureaus. 
I have sent them a letter that I actually downloaded from your website asking to provide information about this debt as stated in my letter, several requests and proof of the original creditor ( XXXX XXXX XXXX XXXX XXXX  ) I sent my letter via certified return receipt on XXXX XXXX and received a response from them on XXXX XXXX. 
Their response does not include any of the requested information, or documents to proof this is an original debt under my name. 
I called the company on XXXX XXXX and spoke to XXXX XXXX, asking why they had not provided any of my requested documentation and she answered that was all they had for this debt collection. I then stated I was going to open a claim regarding these collecting bills from their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One conspired with XXXX to downgrade my credit score to XXXX to cover up discriminating nature of rejected application. 

The XXXX report listed negative non-measurable, non-numerical, non-defined verbal parameters that must be reflected in the credit score : " Too many inquiries last 12 months Time since most recent account opening is too short Amount owed on revolving accounts is too high Length of time revolving accounts have been established ''. 
See attached XXXX XXXX has my credit score as XXXX. 
See attached document XXXX. 
XXXX have my score as XXXX. See attached document XXXX 

That was happened twice when I applied for Capital One Venture credit card while my credit score was well above XXXX. See attached documents XXXX   and XXXX

Company response to consumer: Closed with explanation