vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-15 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XXXX XXXX. XXXX XXXX came and I still did not have a credit score. I then called the three Credit bureaus, TransUnion, XXXX, and XXXX to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XXXX XXXX, XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX XXXX XXXX. XXXX XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.

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 2018-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally auto is a fraud company that was charging XXXX XXXX the highest interest rate without even checking there credit score. Also reporting inaccurate information to the credit report company. My car is currently totaled out and on my credit report its showing that the car is repossessed. I have contacted them to change it yet they have n't. Also I got the car reappraised and their refusing to accept the new estimate. My car is still showing the high interest rate on my car.

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 2018-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a bill for XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, XXXX XXXX Ending in XXXX for the amount of {$190.00}. I have no such card, I did not apply for this card. I have never activated this card. I have never received a card. I have never made a charge related to this card. Capital One has closed this card and is investigating the charge made on XXXX XXXX, 2017 for XXXX ( {$190.00} ). Awesome Capital One. I do not have cable in my home in any form. The problem is that they state that this charge will remain as part of my credit bureau for 60-90 days. I 'm in the process of moving, this will report as a delinquency as I pursue that process. Capital One is falsely reporting this card and charge on my credit bureau. And will report it as delinquent as of no payment XX/XX/XXXX the pay date on the letter. The supervisor XXXX and rep. XXXX eliviated themselves of any responsibility as to what they could do. I advised them to remove the charge completely until investigation was completed. They stated they could not do that. Even stated that someone was keeping up the account. Which was incorrect as this bill states XXXX for prior payments and balances and the only balance is the charge of {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX from US Autosales. Because of my credit score I had to go to this dealership that clearly does predatory lending to poor people. I was approved for a vehicle totaling {$19000.00} for what I thought was a XXXX XXXX XXXX but its probably a XXXX. After putting a deposit of {$2100.00} my total to finance is {$17000.00} with a 23.30 %. Instead of my interest rate being a little over {$4000.00} which is what my calculator say Im being charged {$14000.00} in interest on a $ XXXX car. In total my car is {$34000.00} because of this illegally charged finance charge. I was also forced to purchase a service plan adding another {$1900.00} on my contract for a plan that does cover the car for my entire loan. I have called and spoke to multiple people about fixing my paperwork so that my payments can reflect correctly. This company also tell you that they have a tracking device on your car what they dont tell you is that this device shut your engine off so that you cant start your car it doesnt matter when you are which wasnt explained to me when I purchased or signed for this vehicle. I would like to start a class action lawsuit against this company. I should have read the reviews before purchasing because theyre bad. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX 2017 at XXXX I went to a chase ATM in XXXX California. I tried to make a deposit for {$2100.00}. It got stuck in the machine and didnt post to my account. The machine spit out a reciept that had the terminal id, time, date and it promised it will give me my cash back. They gave me a credit for the missing funds then a few weeks later they reversed the charges. They have been hanging up on me when I call, ignoring messages and doing absolutely nothing to help solve the problem. They have promised that my case would be handed to an executive office but nothing has happened. I was planning on moving to Georgia and this pretty much prevented my move. I have been doing research and it looks like they are doing this to multiple customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-15 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: MS

Complaint narrative:
Account # XXXX I started disputing in XXXX with XXXX and TransUnion concerning a reported late payment with XXXX XXXX from XXXX XXXX. The results of their investigation came back Verified and Updated. 

XXXX, I sent a letter to XXXX XXXX about the late payment and received a quick response from them stating that they have no record of the late payment since they do not maintain records going back that far. I am in shock that these companies claimed to have verified this account since this a clear untruth. I will include the letter sent as proof of my claims. 

This violation is, I believe, covered under FCRA Section 623 by refusing to correct inaccurate information. All I ask concerning this account is for these two companies to correct this account and report it as Paid As Agreed / Never Late.

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 2018-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recover, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I received a letter stating that I owed an amount of {$1100.00}. I disputed the debt by mail XX/XX/XXXX. I never received any information confirming the debt and by XX/XX/XXXX, this collection company reported this debt on my credit report. This debt was actually a part of a civil case that had not yet been discharged. The civil case has since taken place and it was determined that it is Consumer Fraud. This Credit collection agency violated my rights by not sending me any information confirming the validity of the debt that I disputed.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: WA

Complaint narrative:
My credit report is saying I have {$410.00} Im collections from a XXXX from XXXX XXXX 2017 I have nothing in my name not I have I opened any accounts in my name in years. This is NOT my debt

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 2018-01-15 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: GA

Complaint narrative:
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE CREDITORS, AND CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT TO REMOVE THE FRAUDULENT INFORMATION, AND I DID XXXX WAS THE ONLY COMPANY TO REMOVE ALL FRAUDULENT INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX, checks my credit, appr. 4 to 5 times every year.Hard Inq, bringing down my rating.

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 2018-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
-XXXX XXXX hired an attorney to handle family chapter XXXX bankruptcy -At that time we hired and instructed our attorney XXXX XXXX to reaffirm our loan with our mortgage. 
-XX/XX/XXXXBankruptcy Court in Colorado finalizes bankruptcy -We continued to receive monthly mortgage statements from PennyMac which we have been making. The statements indicated that the payments were going more to interest than principal. 
-In late XXXX purchased family truck and credit report pulled that our mortgage was a closed account. 
-XX/XX/XXXX Inquired to PennyMac to be connected with the right people to find out why it stated closed account and did not get an answer. 
-Attempted to make contact again a week later with no results. 
-Spoke with attorney, attorney sent additional paperwork to PennyMac regarding BK. PennyMac then said that they never received it. 
-PennyMac never sent me, as the customer, any paperwork stating that the loan was reaffirmed or that more money would go to the interest than principal. 
-As of the last date, issue was still unresolved and have not been able to speak with anybody regarding this. 
-As of current still making monthly mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: FL

Complaint narrative:
Dear CFPB In XXXX of XXXX I registered to take classes at XXXX University here in XXXX, FL. 
I applied for a student loan to help with expenses, roughly about {$2000.00}. 
Due to personal reasons that happened unexpectedly I was n't able to attend classes. 
I completed a course Withdrawal form within 2 days of school starting. 
I NEVER EVER ENTERED A CLASS ROOM. 

My application for student loan was processed and executed even-though the school had ample notice of my class withdrawal. To date Navient has been overbearing and hard to deal with in correcting this problem. Navient is garnishing my Social Security check of a {$130.00}. every month. I am on a fixed income due to major health issues and its difficult for me to purchase XXXX XXXX medication, because I barely can afford it. This amount may not seem to be a lot to Navient, but it is a matter of XXXX and XXXX for me. 

I have argued time and time with Navient trying to prove to them that I DID NOT ATTEND CLASSES AT ALL. They refuse to listen and just like that took liberty and garnished my fixed income of Social Security. After many months XXXX University system was able to find my letter of withdrawal and I forwarded that proof to Navient. 

Navient continue to ignore my request to replace all my funds and cease garnishing my Social Security even-though they have the proof that I did n't attend XXXX University. 

Please help me in resolving this matter for its making my medical position even worse. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: FL

Complaint narrative:
Very briefly, Transunion failed to reasonably investigate two disputes XXXX credit report errors I submitted on XXXX XXXX, 2017. 

Dispute 1 : Billing error by XXXX XXXX XXXX, due to failure to send bank statements, which is legally defined as a billing error in 15 U.S. Code 1666 ( b ) ( 6 ). 

Dispute 2 : XXXX XXXX prevented me from making a timely payment to *them* ( by temporarily blocking my checking account, which I needed to use to pay their credit card bill ). Then they reported the delinquency that they themselves caused. 

The detailed events are all articulated in the attached letter to CFPB ( " XXXX '' ). I have also attached my original statement delivery instructions ( " XXXX '' ), and the original dispute to Transunion ( `` 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 2018-01-15 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: NY

Complaint narrative:
Navient overcharged the interest rate for the year. The interest paid was well above prior years despite a lower balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been purchasing Experian Credit Check and ID Monitoring through XXXX since XX/XX/XXXX. 

My last credit event was in XX/XX/XXXX. My Credit score changed on XX/XX/XXXX with Experian to XXXX. With no increases or purchases ( and payments made timely ), my score changed on XX/XX/XXXX to XXXX. I was waiting for an increase of score because ( 1 ) I have paid timely over six months, ( 2 ) the holidays were over with no new purchases ( except XXXX which is in it 's XX/XX/XXXX cycle ), and ( 3 ) I am paying off a credit on XX/XX/XXXX, which has a balance under {$900.00}. 

I have had no new inquiries or bad reporting events since XXXX XXXX when interest pushed me over the limit on a XXXX XXXX account. I discussed it with XXXX XXXX. 

I am currently attempting to relocate to my home state of Texas, and I will need to purchase a house. I am building from having to pay off a co-signed obligation in XX/XX/XXXX. I have watched score go up and down and was able to identify the reason until today with Experian. 

I received notification this morning dated XX/XX/XXXX that my score has been updated. It dropped 30+ points to XXXX with no reason. The last alert was a change of address. The dashboard also advertised to buy a 3 agency report. 

I immediately called Credit Check and ID Monitoring. The representative tried to give the XXXX formula speech. I explained over and over that my score had changed and absorbed issues she was seeing. She giggled about the situation. I told her, I would see what FTC has to say about the situation. 

I pay monthly to monitor my report through this service. I should not be given a requirement to purchase a 3 agency report. 

This action can block my ability to purchase a home with NO rationale or evidence. This means Experian is playing with my life. This should not be a power of a company that can not show ethical and accurate information. 

The representation of this company is untrained and limited in empathy and education of the formula. 

I suspect this is a beginning of XX/XX/XXXX move to increase revenue for the company by making current participants pay extra by changing scores for no reason.

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 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NM

Complaint narrative:
Legal action was taken against me by Wakefield & Associates, INC on XX/XX/XXXX and papers were served on XX/XX/XXXX. They 're suing me for a debt dating back to XX/XX/XXXX in the amount of {$720.00} on behalf of XXXX. I disputed this account with all 3 major credit reporting bureaus on or around XX/XX/XXXX. All three bureaus deleted the item from my credit reports after their respective investigations. I filed the disputes after noticing that the amount was incorrect and that they seemed to be charging interest on an old debt. I am now looking into legal aid for what steps to take against them as they seem to buy old debts that are at, near, or past the Statue of Limitations for collections and then file lawsuits to try and collect.

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 2018-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
At XXXX XXXX on XXXX/XXXX/18, I received a call from cotton wood financial in regards to a debt of XXXX I owe. The debt collect ask if it was me after I confirmed it was me and my information she immediate escalated her attitude and became very rude and questioning my integrity. I have escalated on the call and she returned the profanity. 

I have been working with he company to resolve my debt and have already paid half of what I owe. I had called back and talk to a supervisor in regards to their debt collections procedures and policies in regards to her blatant disrespect and escalations. 

During the first part of the call my demeanor was calm and professional until the rep XXXX had became offensive, duragatory and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My name is XXXX XXXX and I 'm reaching out because of my credit that is flagged with the credit bureaus from XXXX. I have switched to XXXX XXXX XXXX XXXX for a prepaid no-contract phone service only with XXXX and paid my first bill on XXXX XXXX XXXX and then I have switched to XXXX on XXXX XXXX XXXX after I have paid the month of service which is XXXX. Therefore, XXXX tried to bill me for a month that I did not have phone service for, instead I 've had phone service with XXXX. I have uploaded two pdf documents one is the bill summary from XXXX and the second one is the receipt from XXXX when I 've switched. 
Please feel free to reach out for any questions or concerns. 
Thanks. 

Best, 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 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
Public record inaccurate. My personal information on the XXXX XXXX report is inaccurate. I disputed the information however it is still inaccurate. I have a copy of my driving record from the state department of Illinois State motor vehicle. I need the information on the XXXX XXXX report to coincide with what is on my legal report from the motor vehicle department of the state of Illinois my driving record.I want to dispute information on XXXX XXXX reference number XXXX. XXXX XXXX Phone : XXXX Opt 1,2 Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation