vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 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: NC

Complaint narrative:
I filed my initial dispute with Experian on XX/XX/2019 for several accounts. Upon completion of their investigation on XX/XX/2019, Experian claims that the furnisher verified the accounts. On XX/XX/2019 I requested method of verification to include a complete and detailed description of Experian 's investigation process ( see attached : XXXX ). I was met a refusal to reinvestigate ( see attached : Refusal to Reinvestigate ).

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 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have called and continually tried to gather a credit report/score from BOTH Equifax and XXXX  with no success. Both of these websites are down and in Equifaxs case, so is the phone number they tell you to call if there is a problem. I have tried for over a Month with BOTH of these credit companies to produce my reports and scores in response to either a free request or a suspected fraud request and they have yet to be able to fix the websites to be able to do so. My credit scores are a huge determinant in my future and I am trying to actively gather and repair improper collections accounts and both of these cant produce reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have called and continually tried to gather a credit report/score from BOTH XXXX  and TransUnion with no success. Both of these websites are down and in XXXX case, so is the phone number they tell you to call if there is a problem. I have tried for over a Month with BOTH of these credit companies to produce my reports and scores in response to either a free request or a suspected fraud request and they have yet to be able to fix the websites to be able to do so. My credit scores are a huge determinant in my future and I am trying to actively gather and repair improper collections accounts and both of these cant produce reports.

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 2019-06-21 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: ID

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere..It must be that someone use my identity..The account XXXX XXXX XXXX was fraudulently opened in my name..I did not make the charges..I am requesting that the item be blocked to correct my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
On XX/XX/XXXX I started getting garnishment on my check for an old loan. XXXX XXXX  has not updated my payment history in my credit report. They haven't updated that I paid it off, I've submitted a document showing that legal deductions in the amount of {$550.00} was taken out. I did a dispute and all they did was updated it as negative payments and changed it from {$560.00} to {$470.00}. But what doesn't make sense if they changed the balance to {$470.00} then why didn't they change my payment history. Everything is incorrect with what this company reported.

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 2019-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
This company refuses to work with me by lowering the monthly payments to something I can afford as I do not have a full time job any more. They continue to harrass me with phone calls and text messages. Also the interest is outrageous and causes the payback cost to increase exponentially daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX in the amount of XXXX on a car loan. My car payments was paid on time every month. My car was total out due to an accident back in XX/XX/XXXX. The insurance company paid out to regional acceptance Corp and gap insurance paid off the remaining balance owe on vehicle. Company stating that I still owe them a balance of XXXX I do not owe the company anything. I request this company to remove this item off my credit report, because they has no proof that I owe them or I will proceed to seek legal actions in the future for trying to over charge me for a vehicle that was paid off and I no longer own

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 2019-06-21 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: Selene Finance LP
State: GA

Complaint narrative:
Selene Finance admitted inadvertently reporting my payment status as delinquent ( letter dated XX/XX/19 as a response to my previous complaint about them to CFPB ) and they still have not corrected that mistake. They stated in the letter they were completing the necessary adjustments to the account on XX/XX/19 and would report the status of the account as Current but that has not been completed as of today. This has caused me much stress since I am trying to apply for a refinance.

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 2019-06-21 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: CO

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere..It must be that someone use my identity..The account XXXX   XXXX was fraudulently opened in my name..I did not make the charges..I am requesting that the item be blocked to correct my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: IL

Complaint narrative:
I have a monthly auto draft of {$360.00}. On XX/XX/2019 this amount was taken out of my account twice causing my account to overdraft. I called Avant and was informed that they were only showing one payment pulled. They stated there was nothing they could do. I called my bank and was told that there were two charges pending. I filed a claim with my bank. However Avant is able to claim that they only received one payment and require me to pay the second amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21 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: CO

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere..It must be that someone use my identity..The account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  # XXXX XXXX ) XXXX was fraudulently opened in my name..I did not make the charges..I am requesting that the item be blocked to correct 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 2019-06-21 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: TX

Complaint narrative:
I have 2 accounts on my report I have consistently tried to fix on several different occasions. There is one with XXXX and also one with XXXX XXXX credit card. I have gone in to both locations, showed my ID, I have spoken to managers, I have disputed online, and NOTHING has been fixed or done. Both of these accounts are large amounts, and I don't know where they came from. The XXXX XXXX account the person was actually paying on! Then all of a sudden they went AWOL and stopped. The XXXX account hasn't been paid at all from the time they opened the account. I have been fighting these for years. At this point I don't know what to do anymore. I just want my account fixed. XXXX XXXX also tried on 2 different occasions to submit their wrong doing, but it has yet to be fixed as well by creditors. I had a deferred payment XX/XX/2019 where I submitted all my paperwork on time, and their finance dept didn't submit it on their end. It's in the notes with XXXX they submitted on their behalf to fix the problem, but the creditors keep denying it.

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 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclay Bank Credit Card US - In XXXX I had a conversation with an agent of Barclay Bank regarding entering into a long term payment plan of 5 years to get my account current and get payments made to pay off the amount due. The confirmation # of the agreement we made is XXXX. In that conversation the agent assured me that within 4 or 5 payments of this new amount ( {$82.00} a month ) my account would show " current '' on ALL credit reporting agency reports and that as long as I made the payments, the account would be in good standing. This program was called the Long Term Assistance Program. In XXXX of XXXX, while trying to refinance our home with a VA mortgage, it was discovered this account is still showing as ALWAYS LATE. This is a lie. I have not missed a payment in 2 years. I called Barclays and filed a complaint ( # XXXX ) and spoke with 2 managers - XXXX XXXX and XXXX XXXX, who listened to the call from XXXX and agreed that this was indeed what I was told by their agent. However, the agent lied to me and what she assured me was the case, was in fact, a lie. I have asked the two managers to make this right and abide by the promises and assurance I was given and to make the account show " Current '' as I was told it would, and they both refused. Their answer is to apologize for the lie, and to tell me the account " doesnt qualify '' to be shown as current even though I have never missed a payment under the plan we agreed upon. They have refused to assist me and have even promised return calls that never came ( XXXX - I promise I will call you at XXXX Monday the XXXX of XXXX That call never happened and it took me 3 more calls to even get her to answer the phone ). What they have done is unethical and a true " bait and switch '' scheme whereby the consumer ( me ) believes what the agent promised me and I live up to the agreement - just to find out it was a lie and they are going to continue to fraudulently report the account is late, which it isnt,

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 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
Beyond upset with how call handling from an agent and lead. Agent hung up on me on the first call, when I called back she threatened to hang up on me. I requested for further escalation. Call was transferred to a " lead '' who was not helpful. I was told a supervisor would get back to me.. call back number was verified for sup to contact me. I was never contacted. The agent was beyond disrespectful. i will continue to escalate my compliant to the higher ups if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Used Chase ATM : Wednesday XXXX XXXX XXXX  Using XXXX Debit Card withdrawal {$220.00} ( have used same ATM several times before, it charges me {$3.00} fee to withdraw money from XXXX. I prefer Chase ATM because I can get {$100.00} 's, {$20.00} 's and {$5.00} 's. This withdrawal specifically was {$220.00}. Everything went fine until it went to dispense cash, I heard it run through a couple times and then nothing, no cash was dispensed, only ATM Slip that shows withdrawal from checking $ XXXX+fees ( completed ) but below it says " We're Sorry ATM Can not Dispense Cash At This Time please contact XXXX ( XXXX ) XXXX '' So I am freaking out and call the #, they tell me since I am not a Chase customer they can't help me. I call XXXX and everything on their end shows that I got the money from a completed ATM withdrawal. This is the problem I dont want to file a dispute with XXXX when it was Chase ATM that is the problem. I decided to wait until the following day and call at XXXX. I speak with XXXX who I explain situation, shes very cordial and understanding and says she will call me back. She calls back and explains I have to go through XXXX. I dont accept that answer and ask for her supervisor, she says she will have Branch manager contact me. By XXXX that night I havent heard from the manager, so I go into the bank, the branch manager reluctantly helps me after making me wait for 15-20 minutes. He explains theirs nothing they can do and I ask when they balance the ATM because it will be positive {$220.00} that is my cash, he says once a week but he isnt willing to help. I explain, why would I file an investigation on a complete ATM withdrawal that isnt XXXX issue, its Chase. He says since I am not a Chase customer he can't help me. I asked for his supervisor because I explain I needed that cash Wednesday night, not in 2 weeks from now. He gives me his supervisor 'contact info. No remorse, etc, just more of a sorry man its not my deal, although he agrees it doesnt make sense for me to call XXXX and file a dispute on a complete ATM withdrawal and ask for a credit. That seems like I just withdrew {$220.00} and then am calling and saying oh it didnt work I need you to credit me back that money. Why would I do that when Chase can just count the ATM and see their is a discrepancy, and he also has seen the slip I got when the error occurred. Please help me rectify this situation, I just want the cash they are holding onto at the Chase Bank. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
To Whom it May Concern, I requested an escrow analysis on my loan subserviced by LoanCare,  XXXX owned by XXXX. The amount being collected was based off an property tax bill generated based on the out of state residency in SC. I contacted LoanCare XX/XX/XXXX notifying them the amount being collected was wrong and it needed to be adjusted. I never received correspondence about status, progress, or additional documentation that may be required. I reached out XX/XX/XXXX to inquiry about the status. 
The tax bill is public record, and all LoanCare had to do was contact XXXX County 's  Assessor 's Office to confirm the tax rate. The escrow department did not reach out to the county, and did not reach out to me about the completed analysis with a determination of " no significant change ''. The annual amount decreased by {$3700.00} or XXXX a month. I call that a significant amount extra to be collected on a monthly basis. 
As a XXXX XXXX XXXX veteran the additional monthly cost has caused a major strain on my budget, and the poor customer service and blatant refusal to do basic due diligence on the customers behalf is appalling. now I approach the end of the month, with late fees, additional servicing fees, and now the possibility of a 30-day credit notice, while LoanCare performs another escrow analysis with a 7-business day turn around.

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 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Since XX/XX/XXXX my life was frozen.XX/XX/XXXX I was unfrozen.I have been filing all disputes and made all contact with Experian when my credit was hacked.Since then been unable to move forward.All time spent was on my own time between work and this.experian has not been helpful it has only been a battle.3 years of no resolve, no improvements.I have everything from thier site in which they referred me to when my information was hacked.

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 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX XXXX SS # XXXX D.O.B : XX/XX/XXXX As of XXXX someone has been using my personal information listed above. I have not obtained any type of credit and there is several inquiries, delinquent accounts, and bills that I have not created or had. I am requesting that the information be removed or corrected. I also have bad check writing on my record that needs to corrected due to payment in full and resolved. Employment and background investigation has been successfully dismissed, time served, incarceration or sentenced to prison has been fully discharged and completed. If you have any questions feel free to contact me at the information provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 days late??? how? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a payment to my credit card issuers for {$47.00}, to be debited against my BOA checking account. I didnt realize at the time that I only had funds available in the amount of {$46.00} in my checking account. The payment was not made out and my checking account became overdrawn. I incurred {$100.00} total in overdraft fees from BOA and my credit card account has been restricted, all because of a {$1.00} miscalculation. BOA refunded {$70.00} of the {$100.00} fees incurred but hasnt addressed the outstanding {$35.00} fee nor have they attempted to reach out to my credit card issuer to help rectify my restricted account.

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