vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I ask Synb/Gap to please remove this account and the bureau 's since it been on for long enough and was hurting me when applying for other credit card/loan.They said and also the bureau 's said it stays on for 7 years. So, i was ok with that since the 7 years was approaching. I opened this account in XXXX XXXX with a credit limit of {$200.00} i was also charged alot of interest.. I was not able to pay XX/XX/XXXX. I was working with a Debt management company to help we handle all the bills in XXXX, but i was having a hard time with them because i had to pay the debt company more money, so i stopped. My account with closed on XXXX XXXX. Eventually i ended up paying Gap the balance.I called XXXX to see when my account date was up and they said XX/XX/XXXX and said why, they said because Synb/Gap reporting to them the same information that they've had for years ago, so that she account stays now now for 10 years instead of 7 years. I have very upset and dont understand why. This is an account that i was delinquent and has been closed since XXXX. This account was suppose for fall off XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I found out XXXX that multiple accounts which belong to me from my creditor XXXX were not showing on my Experian or XXXX report. I reached out multiple times submitted all requested documents to both companies but they fail to put it back on my report. This has caused me to be declined by creditors due to missing information. I Spoke to XXXX who showed proof they were reporting accurately but XXXX and Experian refuses to update my file as of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: FL

Complaint narrative:
I went to a college in XXXX XXXX florida XXXX they closed bankrupted before I could finish I tried to transfer no one would take the credits stated that the loan was given to non credited teachers. Not sure but I know I did not get what I paid for. But in my credit report the loan is over and over it started XXXX XXXX then it moved to XXXX XXXX XXXX now its sometibg else. The loan is from 1992. It has put more weight on me keeping me from getting loans jobs a home. Because its on my report over and over. It says on my credit report I took the loan out when I was XXXX years old. It has I owe XXXX for a XXXX XXXX that I never was able to finish nor had enough knowledge to even get a entry level position. I paid XXXX XXXX   a year and a half and its just as bad as before but even worse now

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 2019-02-01 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: NC

Complaint narrative:
I recently discovered a large amount of fraudulent information on my credit report. Private information of mine was obtained I recent and past worldwide date breaches and my identity was stolen and used to open fraudulent accounts. Please remove this fraudulent 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 2019-02-01 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: NC

Complaint narrative:
I recently discovered a large amount of fraudulent information on my credit report. Private information of mine was obtained I recent and past worldwide date breaches and my identity was stolen and used to open fraudulent accounts. Please remove this fraudulent 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 non-monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Today 's Date XX/XX/XXXX A couple of weeks ago I opened a savings account at a credit union.

The credit union asked me to temporarily un freeze my credit report so they could verify my identity and check for aliases.

I went to Experian 's website and completed the form for temporarily allowing access to may report.

Even though my online and phone inquiries confirm the unblocking of the account, the credit union is still being denied access. I am getting e-mail notices from XXXX/Experian saying they are blocking access.

When I have tried to call Experian, I am told there will be a 2 hour wait to talk with an agent. 

What can I do???

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 2019-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Im upset that this Company has given me several different amounts they say I owe. Also they paid XXXX on this account monthly to start the Statute over and make it seem like I had been making these payments. Im upset that they would do that because I sent this car back in 2012 and hasnt made any payments since because the car I purchased was a total out vehicle. Ive explained this to XXXX and they refuse to look into it so that this account is removed from my credit report. They have reported 4 different amounts that I owe them and to think they would go to such links to try to solicit money from me that I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
Have paid off principle balance but payoff balance continues to increase. Most recent statement shows " total balance '' owed as slightly over 300.00. However, payoff is over 640.00. Company states it is due to fees but then why are those fees not listed/included on the statement? Made payment of XXXX in XXXX and payoff amount increased for XXXX with no principle balance due?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo closed card down as of XX/XX/2018 reporting that the balance was over the amount as of XXXX and a payment of XXXX was needed to bring account current. Paid a payment on XX/XX/2018 online payment was returned by company stating that the account number was closed. So since the payment was not able to bring account current. Company closed. Add down on XX/XX/2018. Called in on XX/XX/2018 to have a supervisor look into the issue. Made the payment again of XXXX drafted from my bank statement. Was advised that someone would reach out on the matter. Spoke to an Escalfion rep by the name of XXXX XX/XX/2018 stating that the account could not be reopened since I had a secured card. Rep stated within 45 days of the close out date of. XX/XX/XXXX collateral of XXXX would be applied. However without my consent nor knowledge my card was reopened in XX/XX/XXXX I incurred late fees interest and other fees. I was not aware of this happening and the company has not taken knowledge of this. They have reported on my credit high balances and also two close out for one credit card. Make it hard for any company to want to do business because of there error. They also sent in a fake letter trying to say they advised of the closing but the typing was off they tried to correct a mistake but lied in the process correcting a fraudulent letter.

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 2019-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hi I filed for bankruptcy XX/XX/XXXX due to my mother passing, me losing a baby, and then I ultimately lost my job on XX/XX/XXXX. With me losing my job, my bankruptcy case was dismissed because I had trouble catching up with the payments. My case was dismissed XX/XX/XXXX and Wells Fargo had already given me a sale date. I was not given enough time to go through probate and assume the loan. Could you please help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ).

It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be false to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.

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 2019-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I have two types of loans : federal direct subsidized and federal direct un-subsidized. I have worked as a XXXX  for a PSLF-qualifying employer since XX/XX/XXXX. I submitted by PSLF employment certification form in XX/XX/XXXX, and my loans were transferred thereafter to XXXX. Since the transfer I have had nothing but horrendous problems with XXXX. 
In XX/XX/XXXX I received my PSLF certification from XXXX and it stated that I had made 18 qualifying payments since starting my work in XX/XX/XXXX ( accurate ), but those payments were only being applied to my subsidized loan and not my un-subsidized loan ( which is considerably larger ), even though I had been making monthly payments which were applied to both of those loans. I followed up with XXXX and was told that they would submit my loans for review, and that the review should take approximately 60 days. 
XX/XX/XXXX, I called XXXX about a different issue, and as part of that conversation I was told that the qualifying payments should be updated but that it is still under review. 
On XX/XX/XXXX, I called XXXX again and was told that someone is working on the qualifying payments issue. 
By XX/XX/XXXX I was preparing to submit my re-certification and I still had not heard anything about my qualifying payments. I prepared my certification form and submitted. On XX/XX/XXXX I called XXXX again and was told that the review of my loans and the qualifying payments would be expedited. 
On XX/XX/XXXX I received my bill for my upcoming XX/XX/XXXX payment, and the bill lists the number of qualifying payments I have made to PSLF : it lists 25 payments towards the subsidized loan ( accurate ) and only 5 payments to the un-subsidized loans. I immediately called XXXX and spoke with two people before finally getting the supervisor. She said that there was no way to expedite further when it had already been expedited and that I just have to wait. 

Both loans are federal direct loans. Both loans are qualifying loans. My government position is a qualifying position. I have been on a qualifying repayment plan since I started work at my government position. I have been making complete, on-time payments since my loans were disbursed following law school. I am furious at the complete and utter incompetence I have experienced with XXXX and, frankly, wish my loans could be monitored by my prior servicer ( XXXX ) because I always had good experiences with them. 

I am applying for a mortgage and I want to be able to show my mortgage broker the PSLF payment certification and there is nothing MyFedLoan will do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: NH

Complaint narrative:
I received a call from United Collections Bureau. They stated I had a debt in collections. They asked to verify my DOB, SSN, and mailing address. I refused until they told me who my debt was to. They stated they could not give me that information until I gave them my personal information. I told the woman that the only debt I had was my mortgage and it was up to date. She asked me for my SSN again. Again, I refused to give them my information and the woman hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: GA

Complaint narrative:
The Creditor listed is : Douglass Chancellor Meyer XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX Re : XXXX XXXX Debt Stated {$380.00} Tried on multiple occasions to contact collections agency by phone ( XXXX ) XXXX based on number outlined on credit report. The system states it is unable to verify with last four digits of my SSN, and does not connect to a person ever. 

I have also disputed with Credit unions, but no verification of debt was provided to me. They simply returned a finding of valid debt to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase extended me an offer to open a new Savings account, which had to be opened in a branch. 

The terms of the offer and of the account state that I need to fund my account with {$15000.00} of 'new money ' that's not already in an existing Chase account. I also need to keep a minimum daily balance of {$300.00} or I'll be charged a monthly service charge. 

Chase is preventing me to fund my account for the requested amount from an external bank account, and thereby preventing me from fulfilling the obligations they've imposed on me. 

- I linked an external account online, completed the trial deposits, and initiated the transfer. 
- Chase blocked the transfer, removed all of my online access to my checking and savings account and had me call in - I called in, and was told that a 3 way bank call was needed with my external account. Since the external bank was closed that evening I was told the only way I can get access back to my checking account was to cancel this transfer. Hence Chase was not only blocking the transfer in question about also my access to ALL of my funds. I therefore asked the agent to cancel the transfer to I could pay my bills. He asked me to call back to initiate the transfer when the external bank was open. 
- 2 days later I called Chase to be able to do a 3 way bank call and was told that I first had to initiate the transfer online and to call back - I went online to re-initiate the transfer, but the external account which I PREVIOUSLY connected is no longer in the system. 
-- >I now need to re-enter my external bank information, wait 1-2 days to do trial deposits, go back online to initiate the transfer, which for the transfer to block access to all of my bank account and money, call Chase to do a 3 way call with my other bank ( within business hours ) and THEN I WILL HAVE FULFILLED MY OBLIGATIONS to prevent getting a 'service ' fee. 

This is UDAAP. Imposing terms and putting customers through unreasonable hoops in order to fulfill them. 

And the cherry on top, is that if Chase actually looked at my Checking account activity they could CLEARLY see that I have the liquidity, am not laundering money ( ie. the transfer is completely in line with past transaction history ), AND should see that I've been sending money from Chase to XXXX. But when I try to give Chase back some lost business, they won't take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
My original loan ( Account # XXXX ( XXXX XXXX ) ) was scheduled to be paid off XX/XX/XXXX. When I logged into their website, it was advertised that I could " Skip a Payment ''. Which I elected to do, XX/XX/XXXX. As it was near XXXX, I thought this would be beneficial for my family. It turns out that skipping a payment meant refinancing. Which was an option I've declined several times. Since then a new line of credit was opened for {$480.00} and now I'm stuck in this same rabbit hole, with a payoff date in XX/XX/XXXX. This company is extremely unethical and misleading when providing payment options to it's customers. I did speak with XXXX with the resolutions department, and she was of no help to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: TX

Complaint narrative:
Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX  inquiry XX/XX/2017 XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
In XX/XX/2015 I took out a loan with Tower Loan. I made 2 payments. Both payments I was told they were unable to provide me with receipts at the time. I stated the payments were not the correct amount in which I paid cash. I was told basically to bad, it is what it is. I stopped paying until they could correct the amount. I have recieved phone calls since stating " what kind of mother or woman am I if I can't pay my bills. '' " How can I afford other things to include an attorney to fight them for harassment if I can't pay my other bills? '' They also refused to give a copy of my contract and stated they will continue to hit hard inquiries on my credit every 30 days until I start paying. I explained card inquiries are for attempts to open ne lines of credit which i'm not authorizing them to do. I was told they will continue to do so if i don't make payments. I informed them this is threatening and harassment and the response was he will continue to go after my credit as long as they can until I pay.

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 2019-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am complaining about SPS because they did not properly respond to the debt validation letter I sent. The ceo of SPS did not respond TILA recissionni sent. XXXX XXXX did not respond to the TORT letter I sent. All of these letters were sent XX/XX/2019. The three letters were ignored and my house was put in foreclosure. I would like for SPS to stop the XXXX sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation