vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: DC

Complaint narrative:
Fifth Third Bank report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. Firth Third bank received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account. 
In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX. 
In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, Fifth Third Bank received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Asset Services, LLC
State: CT

Complaint narrative:
I paid my frontier account in full. I started business with another company, and frontier said that my account was never closed properly and that I need to pay for services that I have not received. All merchandise was returned

Company response to consumer: Untimely response
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested a refinance of my car with XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX Florida, on XX/XX/2018, of which I was a member of at the time. They did two hard inquiries when it should have been one which is affecting my credit score. I have contacted them, but was unable to resolve the problem.

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 2019-02-07 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: GA

Complaint narrative:
I requested documentation from XXXX XXXX XXXX ( XXXX XXXX Bank ) concerning a debt you have listed on my credit report with you agency. I have request multiple times through the Consumer Federal Protection Bureau that XXXX XXXX XXXX refuses to provide legal documents according to the FCRA and FDCPA law and regulations. This included being denied copies of any signed contracts, accounting and statements to prove the debt they are reporting- Without proper documentation this information is being reported to my credit report illegally and I ask that it be removed today

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 2019-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Main Street Personal Finance
State: MI

Complaint narrative:
A company claiming to represent XXXX XXXX- A payday loan company that I neglected to pay contacted me threatening to seize my vehicle, claiming that I committed fraud and other allegations Company name is XXXX XXXX XXXX XXXX Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX I discovered an inaccurate item posted to my bill from Citicards. I questioned it by phone and asked for documentation ... numerous times ... and numerous times it was promised and even said to have been mailed when XXXX 's own records proved it wasn't. ( When it was finally provided along with copies of the log I'd requested, it was apparent that I had been lied to on the phone re their sending anything to me that identified the basis of the disputed charge. ) This account was on auto pay/full balance. After telling XXXX, by phone to stop grabbing the money from my checking account ... to no avail, I had to order a stop payment against XXXX at my Bank ( for which I had to pay {$35.00} ) .When XXXX got the stop payment info yet another XXXX XXXX called me and finally looked at the account and recognised the error. Where upon I paid the full true balance due and directed that the account be closed, which was done, not quite timely ... but done. 
That last rep I spoke to also promised this misadventure would not be reflected on my credit report .... However, when I checked my credit report today ... I found XXXX reported I was delinquent for 3 months. My " deliquency '' was due to my refusal to pay the balance until I could get info re its legitimacy and until XXXX looked at it and corrected their error in wrongly seeking payment for an amount for which I was not liable ... and for taking that amount out of my linked bank account. 
While XXXX ethically should be responsible for compensating me for the hours I spent trying to correct their error as well as the {$35.00} stop payment charge I incurred that finally got their attention, I would be happy if they removed the adverse info from my otherwise pristine credit history .... although I wouldn't mind the {$35.00} as well. My resolve to never to do business with XXXX again ( which one of their reps arrogantly replied was of of no matter to them, when I spoke to her ) will assure this never happens again, at least not with 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 2019-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
I reached out to Alliance Collection Agencies by mail asking them to verify a debt that was reported on my credit report. They have yet to validate the debt properly, with competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The amount of the debt is XXXX I sent them letters on XX/XX/2019 and on XX/XX/2019 asking them to send me documents bearing my signature. they haven't verified the debt properly. The Fair Debt Collection Practices Act states if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

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 2019-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit card company ( XXXX XXXX XXXX XXXX ) says the account has been closed since XX/XX/2016. Equifax reports the account as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
When I began school I received a student loan from Sallie Mae which is now Navient. 
I was told that my loan could be consolidated and I would not have to pay until I completed school. My loan was consolidated to a lower rate through then Sallie Mae. I was told that if I paid the loan amounts and was not late with any payments and remained in public service for 10 years and was never late my loan would be forgiven. I did this, I was never late and I worked and stayed in XXXX  work for over 10 years and am still working in XXXX work. I delayed retirement so that I could receive forgiveness and my balance would be forgiven, like teachers and other government workers as stated in the paperwork I received. I applied for forgiveness and was told my loan didn't qualify because it was the wrong type of loan, 15 years later. This is not right I was never told that certain types of loans and lenders would disqualify me for forgiveness. I had no knowledge in this. I understand that I am not the only one and that lawsuits have been filed regarding this fraud. I have contacted everyone I know to contact to have this issue corrected. Effective this month ( XX/XX/XXXX ) my monthly payments have tripled. I will not be able to pay this loan off and delayed retirement. The interest accumulated and now I owe 3 times as much as the original loan. There should always be a program or forgiveness when someone risks their life for the community. I am a spouse of a veteran of the XXXX and XXXX XXXX wars and have always done the right thing. Now you need to do the right thing. Retiring should always be given a reduced amount to pay. or forgiveness. I earned my education and used it for the good of the country. Stop this craziness I paid for most of my education but some of it I could not. I don't want to be punished.I don't want to be a used or ignored. I just want what is due because I followed the rules. Now you need to follow the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: FL

Complaint narrative:
I am not the debtor my son is. But Ive received multiple calls asking me to give him a message. Ive requested that they take me off the list of reference and not call me again but received a call today XX/XX/19. My son said they havent even contacted him.

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 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank Bought Citizens Bank/XXXX XXXX, but XXXX XXXX owed me a XXXX promotion that still has not been paid. It was those bank at work program get direct deposit get XXXX I will send this to them again and see if they reply

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 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello. XX/XX/2018 my friend and I went to a bar/club in XXXX XXXX. My bill was around XXXX euro and with the tip the total that I signed for it was XXXX euro. The next morning I saw the charge. It was XXXX euro extra ... I called my bank Chase and the merchant. Chase credit my account the XXXX euro and a couple months later they charged my account the XXXX XXXX euro ... No one contact me to tell me that. I called Chase corporate and I talked to all the higher ups and I wasn't getting anywhere ... I went to my branch in XXXX XXXX XXXX XXXX and I requested to see the signature on the receipt. It's so clear that the signature that my bank has on record is different with the signature on a receipt they send ... from XXXX. The branch manager in XXXX XXXX in front of me told the manager at Chase claim department Corporate office that my signature wasn't on the receipt and that They should deposit the XXXX euro back to my account ... Chase told me to contact XXXX and XXXX was telling me that Chase bank is responsible for the fraud. My claim number at Chase is. XXXX. I have on my possession the signed receipt with the fraugally signature .... that Chase received from the merchant in XXXX ... My branchs phone number is XXXX. Thank you XXXX XXXX. My phone number is XXXX Please help me find justice and also protect other consumers from fraud especially when they travel. My email is ( best way to contact me ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: TX

Complaint narrative:
My credit card company ( XXXX XXXX XXXX XXXX ) says the account has been closed since XX/XX/2016. XXXX reports the account as open.

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 2019-02-07 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
VALIDATION of debt letters were sent out in XXXX, XXXX and XXXX and no validation was received be 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 2019-02-07 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:
VALIDATION of debt letters were sent out in XXXX, XXXX and XXXX and no validation was received be to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX has failed to properly mail me my rights to disputes a debt I dont know about. They have went ahead and added a debt without authorization to the credit bureaus. I am undergoing a police report due to identity theft and fraud and havent been receiving mail at my mailing address. The USPS is investigating the matter as mail is coming up missing frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XXXX XXXX 2018 XXXX XXXX d.b.a. Ally Bank decided to close my account ending in XXXX without specifying a reason and deposit the {$0.00} in my checking account ending in XXXX. XXXX the floor supervisor stated that my checking account ending in XXXX was also in Jeopardy. The bank is relying on the catchall clause regarding its right to deny service for any reason. I have been an account holder for 10 years. My XXXX check goes to them. They stated that I had no right of appeal and offered to forward the XXXX check. The current checking account balance is 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 2019-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Lendmark Financial Services
State: CO

Complaint narrative:
I applied for a loan for an ATV with XXXX XXXX XXXX XXXX in XXXX XXXX  and XXXX. They passed my credit app to Lendmark Financial. After I submitted Income and my buyers order they said they would get back to me. My first complaint is that XXXX XXXX, the rep I was dealing with could not explain the disconnect on the total price and debt to income disconnect. Turns out she was adding in a {$1500.00} warranty and all of Lendmark 's ancillary products without asking. I had to press her on this and she reluctantly removed them. She could then not explain why I did not qualify with the new payment amount. She stated I was 55.6 % DTI. She clearly stated that 55 % is there max which in the finance world is everything 55 %, not a decimal more. Her numbers were wrong. I did the math and I was at 54-53 %. She was flat out lying, trying to make room for add ons. When they actually received my income it was even more than expected and I qualified in every regard. She then called me back and said that I didn't qualify because I had some credit card accounts that have been paid through a credit consolidation company for over 2+ years. I have never once missed a payment on any bureau. I searched their website, and terms and found no explanation stating that was a reason for denial. Furthermore the consolidation company excludes major installment purchases in their terms. This is a flat our way to discriminate against a qualified applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: CT

Complaint narrative:
Transunion refuses to update my address. I called them on the phone and I have mailed a copy of my current drivers license and they mail things to me at the correct address and yet they will not update it. Their demand for utilities or bank account is impossible, due to XXXX, I am XXXX and do not have a bank account. 


Also, they show a collection for XXXX XXXX that should be removed.

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 2019-02-07 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: DC

Complaint narrative:
XXXX XXXX XXXX report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. XXXX XXXX XXXX   received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account. 
In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX. 
In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, XXXX XXXX XXXX received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days.

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 2019-02-07 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: WA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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