vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 2. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 3. XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 4. XXXX - this account doesn't belong to me. 
Action Requested : Please Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MS

Complaint narrative:
For several months my monthly payment for my private loans were automatically debited from my bank account. I started to receive bills from a collection agency stating my loans with XXXX XXXX  were sold to their company. Since my loans were not in default, they shouldn't have been sold to a collection agency. I have bank statements proving this. Now the collection agency is expecting payments they shouldn't receive. I contacted XXXX XXXX  and nothing was done about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 2. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 3. XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 4. XXXX Funds - this account doesn't belong to me. 
Action Requested : Please Delete

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 2018-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is reporting a debt twice on my credit report. The original creditor XXXX and XXXX XXXX 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 2018-08-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: DC

Complaint narrative:
LOAN NO : XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX DECEASED ) PROPERTY ADDRESS : XXXX XXXX XXXX, XXXX, Washington, DC XXXX My father, XXXX XXXX, had a reverse mortgage on his home at XXXX XXXX XXXX, XXXX, Washington, DC XXXX in the approximate amount of {$210000.00}. XXXX XXXX passed away on XX/XX/XXXX. As his daughter and sole heir to the home, I was required to pay the balance of the reverse mortgage. As the home owner, I refinanced the home by taking out an FHA loan to pay off the reverse mortgage. My settlement took place on XX/XX/XXXX and {$210000.00} was disbursed to Reverse Mortgage Solutions XXXX XXXX XXXX via a wire transfer on or about XX/XX/XXXX. The total of {$210000.00} was based on a XX/XX/XXXX payoff instead of an XX/XX/XXXX payoff. XXXX failed to provide my settlement company with an accurate payoff statement in a timely manner. In summary, XXXX owed me funds XXXX interest refund ) based on the XX/XX/XXXX settlement date. XXXX issued a check in the amount of {$350.00} to the " estate of XXXX XXXX XXXX XXXX XXXX '' and did not issue the check payable to me instead. I am requesting that the check be issued to me instead. Please note that XXXX XXXX was previously XXXX XXXX ' financial XXXX. However, XXXX XXXX 's role terminated upon my father 's death. In summary, I personally paid off the reverse mortgage via the FHA loan refinance and the funds should be paid to me. Due to the fact that the check was sent to XXXX XXXX 's office, my privacy regarding details of the refinance was compromised. XXXX staff were well aware that I paid off the loan and should never have sent the check to XXXX XXXX who was not involved in the payoff of the reverse mortgage in any way. I am requesting that XXXX pay an additional {$640.00} to me for disclosing personal information to a party outside of the transaction XXXX XXXX XXXX XXXX. I am requesting a check for a total of {$1000.00} XXXX {$350.00} + {$640.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR

Complaint narrative:
The company is XXXX, we bought a car back in XXXX of 2016, we were lied to by the local company in regards to the 0 % APR and they were supposed to pay sales tax but did not. With that said, they made an agreement with us to delay our first payment to XXXX XXXX ... apparently they did not share that info with the corporate office, however. SO they reported us late in XXXX after we made a payment arrangement that THEY told us the dates to do in order to not be past 30 days. So we did exactly that. Yet, we still got hit on the reporting to bureaus. I called MULTIPLE times to have this corrected, asked for conversation recording, even the girl who made the arrangement vowed for us that her and her supervisor told us what dates to make payment on. Yet, no changes were reported on our behalf-this was when I also found out that they showed our 1st payment being XXXX NOT XXXX ... it was at that point I faxed over letter showing what we were told. This year, in XXXX I called again about the XXXX thing to try and get it fixed again. The rep told me an extension agreement for XXXX and XXXX would bring everything back to correction. So I had already made a pymt in XXXX so that applied for XXXX, extension agreement made up for XXXX, I made 2 pymts in XXXX that covered for XXXX. This was all by direction of XXXX and letters from them directly. However, we get another alert saying they reported us 30 days AGAIN for XXXX. 
I have argued, called, faxed, emailed, disputed and mailed everything ... and they STILL won't fix it by reporting it correctly to the bureaus. I was not 30 days late in either month and I simply want it reported correctly. It is effecting me personally, my family and our future!! It is simply wrong on so many levels. I need someone to step in and help me, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: AES/PHEAA
State: IL

Complaint narrative:
I am on the Loan Forgiveness Program, three years ago I got a letter that I qualified for 40 payments, then I made 9 more payments, and one day I looked at the computer that said I had 35 qualifying payments. When I called 11 months ago they told me it was a computer problem and they would fix it, I called them ten times more times I emailed them 10 times and there is never any updates. 
They keep ignoring my questions, they continue to verbally promise me I have made 70 qualifying payments but they never answer my questions. The computers keeps saying I only have 35 qualifying payments, and when they do answer my email they give me an answer with a pre made form that clearly shows they have not read any of my emails. It has been 11 months and I need a clear answer as to how many payments they qualify. When I call they say I will be qualifying for 70 payments, but I only see 35 qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I recently received an automated email stating there has been a change to my available credit on my credit card. When I accessed my USAA online account, I found out my available credit had been reduced my just over 80 %. 

I have actively been working to improve my credit and I paid off the entirety of my balance just a few months ago. I have not missed a payment in years. I've had this card over 20 years, possibly 30 years. I've had worse credit. The only time I've had my credit reduced was when I requested to have it reduced years ago. 

I spoke to XXXX, a XXXX XXXX at the company and she read the scripting over and over stating that periodically USAA runs the credit of it's customers and this is their justification. 

During our discussion, she stated they would not increase my credit limit and I could resubmit to have it increased in XXXX months. I shared that was not acceptable. I stated this was a manipulation from USAA to continue to keep my credit artificially low. I shared with XXXX I would file this complaint to you and our state 's attorney general office. 

I paid off over {$14000.00} and carry a zero balance. My credit score has already dropped by over 10 points following this action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I'm concerned. I just got this letter from Navient. Before proceeding I want to ensure it is legitimate & that good faith & honesty will be integral to our communications. I did a web search & found that there are outstanding lawsuits against them. Also, I don't have the means to do more than chip away at this debt. I'm XXXX, XXXX XXXX XXXX, & on XXXX. If my XXXX were taken away or significantly reduced, I wouldn't be able to survive. Presently I receive {$1200.00} per month. I'm willing to pay as much as {$50.00} per month, knowing that will only chip away at the principal. Unless I come into some money or live surprisingly well beyond my normal life span as a XXXX, XXXX XXXX XXXX man, I will pass on before making any serious dent on this debt. Please advise me. Can I possibly negotiate with them in a productive, constructive resolution of this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: CITIBANK, N.A.
State: GA

Complaint narrative:
In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my XXXX  and XXXX  reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, XXXX and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor XXXX report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX XXXX see attached letter XXXX, with the XXXX XXXX XXXX, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.

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 2018-08-20 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: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX XXXX  XXXX sent me a letter stating that on XX/XX/XXXX XXXX XXXX XXXX on XXXX in XXXX, Colorado sent them an application for auto financing on my behalf, which I was denied, then again on XX/XX/XXXX i received another letter of credit denial from XXXX stating the same thing, the day before on XX/XX/XXXX I received a letter from XXXX XXXX  stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Co. requested an Auto Loan for a XXXX XXXX XXXX, then on XX/XX/XXXX XXXX also denied me for the same company for an auto loan, which is the same company as XXXX XXXX XXXX, and again that I was denied. Also, on XX/XX/XXXX XXXX, and XXXX XXXX XXXX  denied me credit, which I did not apply for, it was for another auto loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I fell behind in XX/XX/2017 and caught up in XX/XX/XXXX/XX/XX/XXXX with my tax return. I began making {$600.00} payments ( half my scheduled payment ) every 2 weeks. My mortgage company is not applying these payments to my monthly payment. They allocate it differently every time. Sometimes they hold it until the receive the second payment and apply them correctly. Other times, they have refunded 2 checks to me and are now applying them to my escrow account. This is causing them to report my account as 3 months past due when in truth, I am only one month behind because of the two checks they refunded. This is negatively impacting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: MO

Complaint narrative:
Made a deposit into my Huntington checking account of XXXX on XX/XX/2018. Received an email from the bank stating the deposit was on hold until XX/XX/2018. I also setup an auto transfer of XXXX dollars per week from another one of my accounts a month earlier for which Huntington bank continues to pull faithfully. 

Though I had other funds in the account bills submitted XXXX XXXX ( my Car note ) for payment were told my account was closed. I am charged insufficient funds fees for the non payment on my car-note even though there are funds in the Huntington Bank account to cover car-note outside of the XXXX deposit. 

It is XX/XX/2018 now and I have no access to my account and no explanation as to why the account is on hold. Huntington Bank is stating I will have to wait until there process is completed but they continue to withdraw from my other XXXX XXXX XXXX account. 

Funny thing is the the XXXX dollars cleared the originating bank and Huntington continues to process the auto transfer from my XXXX XXXX  XXXX account. They are getting funds in but I cant get anything out. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have asked NUMEROURS times for this company to send me VERIFICATION with MY signature authorizing THEM to have a contract me me, to owe this debt, and each time was sent a statement with my name, birth date, and debt owed ( This does not verify my debt ) The original company has written off this debt, and I have been in communication with them over this, I DO NOT OWE this debt. They can not verfity it because of the simple fact of XXXX law in which my signature and medical issues were not disclosed. ANYONE can get my info and say I owe a debt. I want this collection OFF my credit reports ( all three bureaus ).  VALIDATION and VERIFICATION are two totally different things and this company has YET to show me PROOF that I woe this debt to them ( I do not owe this debt to them ) If this is not off my credit reports as deletion, I will take legal action against this company for the continued letters/phone calls/ and not being able to verify this debt belongs to me OR me and this company has written contract stating i owe the debt to them ( meaning a SIGNATURE on the debt or between me and them ) I will take full legal action against them. I want this off my report ASAP, and no future letters/calls/etc. I am not the only consumer who has been repeatedly contacted by this company. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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:
In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my XXXX and XXXX   reports without either consent and had not been updated on TransUnion since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, XXXX and TransUnion to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor XXXX report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX XXXX see attached letter XXXX, with the XXXX XXXX XXXX, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.

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 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my Equifax and XXXX   reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, Equifax and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor Equifax report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX ( see attached letter ), with the Executive Response Unit, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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:
In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my XXXX and Experian reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, Experian, XXXX and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my Experian nor XXXX report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX XXXX see attached letter XXXX, with the XXXX XXXX XXXX, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.

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