vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 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: GA

Complaint narrative:
I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX  XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX   XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: PA

Complaint narrative:
I once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my XXXX credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my Transunion decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with XXXX, XXXX, and Transunion. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both XXXX and XXXX  have refused to remove this negative item from XX/XX/XXXX from my credit report.

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 2018-12-19 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: PA

Complaint narrative:
I once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX  and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my XXXX credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my XXXX  decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with Experian, XXXX, and XXXX. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both Experian and XXXX  have refused to remove this negative item from XX/XX/XXXX from my credit report.

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 2018-12-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I sent a letter to the credit bureaus, asking them to investigate errors that were on our credit report. I am attaching a copy of the letter that we sent. Its been more than 30 days, and we have not received responses yet.

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 2018-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank
State: GA

Complaint narrative:
Someone opened a car in my name with out my permission. I reported it to the company and the company refuse to remove the card from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX company issued a collection action with XXXX XXXX XXXX XXXX XXXX XXXX - against me - for a disputed bill that my wife incurred under my social security number while we were separated before our divorce the first delinquent payment date missed by my wife was XX/XX/2011 - after i moved to XXXX then back to XXXX  - XXXX obtained my current address and sicked the collection agency on ME - i paid the entire disputed amount of XXXX dollars as part of our divorce agreement - however - after numerous contacts with expeian - ( disputing the account as the first the first delinquent date is greater than 7 years and this paid in full ) the account needs to be removed from my credit reports as per regulation by the fair credit reporting act - experian needs to remove this account from my report - in addition - experian does not report this account as paid in full CLOSED and it is counted as one of my 3 open negative remarks in my report causing me financial hardship because as a result of my divorce - my wife gets 25 % of my income so i have to move to fla and purchase a mobile home - the only thing i can afford - because of this false information on my report - i am being denied a mobile home mortgage

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 2018-12-19 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Upon review of my credit report in XX/XX/2018 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the same Collection Agency, XXXX XXXX XXXX. There was a total of 5 accounts in all by the same above named agency. I sent a original certified and notorized letter requesting validity on all 5 accounts on XX/XX/2018 to XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response letter stating that one of the 5 inquires would be deleted. The company did so in deletion of the one account but failed to respond in regard to the other 4 accounts mentioned. I reached out to the credit bureaus at this point via certified mail on XX/XX/2018 sending them a copy of the letter provided to the collection agency, to bring the issue to attention and have this resolved and removed properly as stated in the Fair Credit Act Law. At this date and time XX/XX/2018 the Collection agency as well as the Bureau have failed to review and properly delete accounts who have not provided proper proof of validity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: TN

Complaint narrative:
This company keeps sending me bills for XXXX XXXX XXXX bill that belonged to me tenant in the upstairs apartment. Not sure how the bill got in my name but they keep harrasing me about it and even put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
I took out a loan with XXXX XXXX, since then they have made it impossible to be able to afford the payments. My XXXX year old Grandmother who is XXXX on a fixed income co-signed for the loan. I have been asking for a payment that I can afford since the start of the loan because they make it unaffordable for both me and my grandmother to afford. I have asked them to stop calling her house because of the amount of stress that she is under after having a XXXX she can not take the harassment. I have tried to afford the payments but my job does not pay me enough and right now they are asking for 60 % of my check which leave me with a limited amount for rent, food gas car payment etc. They pretend to help but every time you call they tell you something different. They are purposely putting me in a position that is in place for me to continue to fall behind. I have asked them over and over for a lower payment and they keep giving me ones that I cant afford. I feel like I have no choice to except them because they are saying that its the only option. In the meantime they continue to tack on fees and try to get me to defer my loan which also tacks on fees. I would like them to take my grandmother off as a cosigner because I'm afraid that the stress will cause her to have another XXXX. the phone calls and letters are endless. I have told them that I need affordable payments over and over to no avail. They, set you up to fail by giving your 3 separate which makes it easy for them to give you payments that they know you cant afford. I would like to have one loan instead of 3. This is pure predatory lending on there part. I want to pay off my debt but I find it impossible because the more I pay the more fees that tack on because I can't keep up with the payments because I barely make enough to survive. I have a loan with the Federal government loan that I am trying to pay as well but, the fact that XXXX XXXX continues to try to take advantage of me is making it harder to survive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX  issued a collection action with transworld systems inc XXXX XXXX XXXX - against me - for a disputed bill that my wife incurred under my social security number while we were separated before our divorce the first delinquent payment date missed by my wife was XX/XX/2011 - after i moved to XXXX then back to XXXX  - XXXX obtained my current address and sicked the collection agency on ME - i paid the entire disputed amount of XXXX   dollars as part of our divorce agreement - however - after numerous contacts with XXXX - ( disputing the account as the first the first delinquent date is greater than 7 years and this paid in full ) the account needs to be removed from my credit reports as per regulation by the fair credit reporting act - XXXX needs to remove this account from my report - in addition - XXXX  does not report this account as paid in full CLOSED and it is counted as one of my 3 open negative remarks in my report causing me financial hardship because as a result of my divorce - my wife gets 25 % of my income so i have to move to XXXX  and purchase a mobile home - the only thing i can afford - because of this false information on my report - i am being denied a mobile home mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/18, I attempted to make a mobile deposit in my checking account with XXXX. Because the amount exceeded the mobile deposit limit by {$340.00}, I called support and asked for an increase. They told me that they did not provide increases above the amount I had. They suggested I cash the check elsewhere. The mobile app gave instructions for deposit by mail. It listed two addresses, one was a PO BOX , and the other was for overnight delivery. I endorsed the check and mailed it out two-day priority mail to the overnight address. 

Using the tracking number, I discovered it was not delivered until Monday, rather than Friday as promised. On the app, the instructions for deposit by mail clearly state '' Once your check has been received, up to {$200.00} of your check deposit funds will generally be available within one business day. The remainder will generally be available after another business day. Check deposit amounts greater than {$5000.00} may be held for an extended period. '' So, I called on Tuesday, XX/XX/18, which was one business day after the date it was delivered since there was no indication that the check had been received. The agent I spoke with told me that she could not confirm receipt of the deposit, and she told me she could give me no time frame for how long it would take and that they would know it was deposited when it showed on my account. I asked could they not at least confirm it was received at the correct address. She told me that she could not. I asked what remedy I had and she assured me that it would be processed soon. 

I called today, XX/XX/18, a full two business days after they received it according to USPS, and the agent placed me on hold and told me that " in her experience, it can take three business days before it is processed or shown in the account. '' I asked could she not confirm it with the processing center that the check was received so I don't have to worry that it was delivered to the incorrect address. She told me that she " could not check with the processing center until 10 business days after the tracking number delivery date. '' So, I am going into XXXX without any access to my funds, and also without having any idea whether the check was received at the correct address. None of this information was available to me or I would not have deposited the check via mail. I expected to have access to part of the funds " one business day after received '' as their app stated. This is insane that they won't even check to make sure the check was received until 10 business days after delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: Avant Credit Corporation
State: FL

Complaint narrative:
I have 2 issues with Avant Credit card accepting and processing payments.

1. I used my banks bill pay for a {$160.00} payment to Avant. The bank mailed a physical check that was processed by Avant on XX/XX/XXXX and the funds were removed from my bank account. I called Avant on XX/XX/XXXX and I was told the funds were received but would not reduce my available credit until XX/XX/XXXX. I payment made 2 weeks earlier using my same bans bill pay was received and processed in 2 days but because the next bill pay is {$160.00} they are holding it for 7 days. 

2. My current balance on my Avant credit card is {$76.00}. I attempted to make this payment using the Avant website and it will not allow me to make the payment. The error is that the amount it too much. I called in 2 times and I was told by both Avant employees that I can only make a {$40.00} payment using the website or over the phone. I asked to speak with a supervisor and was told they would be unable to assist me. After asking a few times I did speak with a supervisor who was not sure why I could not make a full {$76.00} payment. This credit card company charges interest based on a daily balance. It appears they are refusing to accept full payments so they can collect more interest. Who knows how many people do not understand this and are taken advantage of by Avant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: TX

Complaint narrative:
On XX/XX/XXXX I submitted a dispute for the charge on XX/XX/XXXX from the XXXX XXXX in the amount of {$110.00}. Included with the dispute was an email from the XXXX XXXX informing me the hotel canceled my reservation. This should have been more than enough evidence proving I did not receive services and should not have been charged. 
on XX/XX/XXXX way beyond the allowed timeframe allowed to investigate and resolve this dispute, Chase sent me a letter stating they believed the merchant provided the services paid for, even though they were in receipt of a letter from the property stating otherwise. 
Thus not only was Chase in violation of 15 United States Code 1666 Correction of Billing Errors statute, they obviously never even investigated the dispute which the hotel directly admitted was an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient has twice changed my automatic payment without any notice. On XX/XX/XXXX instead of deducting the XXXX which was the previous deduction amount, they deducted XXXX. I had been enrolled in a program to get my loan out of default and when it was transferred to navient the deductions remained the same for a few months. They stated hey emailed me notices which I never received. Then this month on XX/XX/XXXX the deducted XXXX instead of the XXXX that was being deducted. I was enrolled in an income driven repayment plan and it had expired. I received no notice, even though they stated they sent me emails in XXXX and XXXX. I asked them to confirm my email multiple times and I asked to speak to someone to address the issue because I was not receiving an email. They stated they did not have a way to resolve the issue and just simply I should be receiving the emails. I checked all mail boxes and had not one email from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i NEVER FILLED A bankruptcy AND THIS JUST SHOWED UP ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I do not think that is fair that the three credit reporting agencies have " negative '' information on me for accounts that I struggled to pay in full. It's like being punished for trying to do what is right. If I did not pay them, then I can understand having negative information on my account. The credit agencies say that the creditors have to remove the information and the creditors say the agencies have to remove it. I am at a loss trying to get this resolved : - ( If a person pays their bills, then their credit should be good.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I have been called repeatedly for months by TransWorld Systems claiming to be attempting collections on a debt that I owe. However, I do not have any outstanding debt and after having spoken with several of their agents, this fact has been confirmed. Each time they have confirmed that I owe them nothing, they have promised to remove me from their call list, but this has not happened and I continue to receive endless automated calls regarding this matter.

Company response to consumer: Closed with explanation