vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-04 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: CA

Complaint narrative:
My child support payments come directly out of my check every month and has been for several years but the credit bureaus had been reporting late payments to my credit file dated back as far as 2012 and this has hurt my credit.

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 2019-02-04 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: CA

Complaint narrative:
My child support payments come directly out of my check every month and has been for several years but the credit bureaus had been reporting late payments to my credit file dated back as far as XX/XX/XXXXand this has hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was defrauded by a company called XXXX XXXX in XXXX XXXX, Nevada. XXXX XXXX sold me items that were worthless junk that they described as new, then refused to take the items back. I filed a dispute with Bank of America for {$1200.00} on XX/XX/2018. But Bank of America refuses to reverse the charge.

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 2019-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 at approximately XXXX XXXX I went into XXXX, XXXX XXXX Store in Florida to make a purchase using 2 {$5.00} Bucks I had. When I arrived at the cashier to cash my purchase she told me I could get a further 20 percent off the items which I gladly appreciated. 

She went on to applaud me on the savings I had gained and then it was time to pay. I inserted my card and realize the machine was asking for my Social Security number number, I asked why and she replied it was the reward of 20 percent she had given me, I proceeded to pay my bill. 

When she handed me my receipt she says your card will be coming in the mail and I asked what card? She replied you can use your receipt to make purchase until the card arrived, I immediately realized what had happened she had tricked me into a credit card which I never asked for or needed. 
I immediately exited the Store and called Customer Service to report the event. My only recourse from their Credit Department was they gave me credit bureau number to call and report the issue. Since then I have called the credit bureau but was informed the store had to remove the hard inquiry on my credit report. I subsequently closed the credit card 2 minutes after existing the store. My credit will be affected as a result and I now realized how difficult this will be to get the store to do right by me. 

I went back to the store spoke to XXXX, she says she was the manager. She gave me this XXXX to call to try and get a result. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
This company violated not only my trust but the law multiple times but the most recent event occurred on or around XX/XX/2019. On this date I received one of the many calls from Navient in regards to my private student loan. I spoke to a female representative in total around 30-40 min. I asked very specific questions in regards to bringing my loan current, and because of the the representatives response to those questions I decided to enter a payment plan. I paid a total of {$230.00} though the phone that day. 
A few days later ( After payment ) I realized responses to those questions were incorrect, misleading, and flat out lies. To name a few, 1. One I paid my account would automatically be brought current, and would be reported to credit bureaus. 
( turned out to just be misleading information given in order to collect payment ) In reality it would only be brought current after 3 payments 2. The payment I was making would cover all my loans ( minus Federal ones ) including the ones connected to a co signer. 
( Again Lies ) I was initially outraged by the blatant misrepresentation. I contacted Navients ' consumer advocate department as well as sent a letter outlying misleading acts to XXXX XXXX ( XXXX ). No response from XXXX ( as expected ) but the consumer advocate department reviewed the call and agreed that I had been given false information in order to collect the debt. But told me there was nothing they would do. 

I am very familiar with the FDCPA. I know that Navient is clearly in violation. I have gone through them to correct their mistake and they refuse. My problem is that I am concerned that they could be doing this to thousands of other loan holders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 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: FL

Complaint narrative:
experian has refuse to invesitgate, verify, and delete negative accounts and hard credit inquiries on my credit file negative items and inquiries are not factual data unless verified

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 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
on XX/XX/19 this company charged me twice for my due bill and then told me to take it up with my bank if I didnt like it. 

They do nothing but give constant issues. They also refuse to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: PA

Complaint narrative:
I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX  was the easiest and most helpful. XXXX has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is Equifax. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from Equifax. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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:
Hello I went to get a personal loan so I can help with my mom 's meds and I was denied by the bank I've been with for 11 years. I got a copy of my credit report and there so items on there that are not mine. Please have these taken off my credit. I have already contact the FTC and the police Department. I am doing this on my own behalf. XXXX XXXX, AXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX AND 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 non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I purchased a new car on XX/XX/2018 from XXXX XXXX XXXX XXXX, who sent the payoff and a subsequent extra lease turn in fee to Honda Financial Services. Honda Financial Services refuses to post the payment and close my account. They are calling me daily to threaten me with late payments fees and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My business checkings account with Wells Fargo was charged 7 overdraft fees totaling {$240.00}. I was going through financial struggles at the time. 
My account first became negative by {$8.00} on XX/XX/2018. The first overdraft fee was charged then. Normally with Wells Fargo, when your account becomes negative, other charges are not allowed to go through to prevent further overdraft. Instead, more charges were allowed to go through, automatic debit charges. 
Between XX/XX/XXXX - XX/XX/XXXX, I was charged 7 overdraft fees. Without the fees, my account would have been negative by {$100.00} which I would have been able to take care of in a few weeks time. Unfortunately, my account ended up being negative {$350.00} due to the overdraft fees being charged in excess. 
I contacted Wells Fargo in XX/XX/XXXX and XX/XX/XXXX in the hopes to have the fees overturned so that I could bring my account back positive. They refused to even refund one fee. With that, I was unable to bring my account positive and Wells Fargo decided to just close my account. 
This is not the first time I had to contact an outside source in regards to being charged overdraft fees in such an aggressive manner. The last time I had to contact the Better Business Bureau.

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 2019-02-04 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: Innovis
State: NY

Complaint narrative:
Numerous phone calls, emails as well as certified mail sent to innovis, they refuse to remove fraudulent info off my report. Innovis also removed a XXXX XXXX XXXX account that was open and remained positive which I never disputed.ACCOUNT ENDING XXXXOPEN 2007!!!!! Why is innovis purposely trying to sabotage my credit report? 


all XXXX XXXX accounts are considered closed via innovis with charge off - all XXXX XXXX accounts open and positive and no positive reporting is reported XXXX XXXX  is open and positive, yet innovis reporting closed and negative with no positive months XXXX XXXX XXXX is being reported on legitimate credit report agencies as paid in good standing WITH ALL MONTHS REPORTED POSITIVE AND INNOVIS IS NOT I NEVER OPENED XXXX XXXX IT IS FRAUD XXXX IS NOT LATE FULLY PAID XXXX XXXX XXXX IS FRAUD NEVER MAINTAINED ACCOUNT I DO NOT USE XXXX XXXX IT IS FRAUD REMOVE XXXX XXXX XXXX is being reported I don't care if it says requests I can only see I HAVE A XXXX XXXX AND U R LETTING XXXX XXXX ALONG WITH XXXX XXXX   REMOVE IT XXXX XXXX Report # XXXX And XXXX Social sec XXXX - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: GA

Complaint narrative:
Hello I went to get a personal loan so I can help with my mom 's meds and I was denied by the bank I've been with for 11 years. I got a copy of my credit report and there so items on there that are not mine. Please have these taken off my credit. I have already contact the FTC and the police Department. I am doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX AND 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 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello I went to get a personal loan so I can help with my mom 's meds and I was denied by the bank I've been with for 11 years. I got a copy of my credit report and there so items on there that are not mine. Please have these taken off my credit. I have already contact the FTC and the police Department. I am doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have been unfairly directed into forbearance and deferment for years while I could have qualified for income driven repayment. Navient knowingly and intentionally steered me toward forbearance and deferment instead of making me aware of more suited methods of repayment. I have over 7 years of foreberance and deferments during which time I would have qualified for IDR and during which I have been negatively effected by negative credit reporting and delinquencies. My loans were predatorily directed in the most profitable manner while neglecting my best interests. Please inform me of the best course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: AL

Complaint narrative:
I received a notice dated for XX/XX/2019 from XXXX XXXX XXXX that stated that they could not extend me credit due to the credit score obtained from Transunion credit bureau. The score provided was exceedingly lower than my scores from the other bureaus, when I called Transunion to obtain a copy of my report along with the credit score I was instructed to pay {$19.00} for both but ALSO had to join their credit monitoring program for {$24.00} a month to obtain the information! I was able to pay XXXX  and XXXX  to receive copies of my reports and credit scores with no problems. I want to know how is this practice acceptable because by law I am due a free credit report once a year.

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 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail from My Mortgage Company Wells Fargo that as of XX/XX/XXXX the servicing of your Mortgage Loan was being transferred to XXXX XXXX XXXX XXXX. 

Beginning on XX/XX/XXXX XXXX XXXX XXXX would begin receiving payments on your mortgage loan and Wells Fargo Home Mortgage would no longer be accepting payments on this loan. 

I called Wells Fargo and was told that they no longer had my loan and it was sold. However as of this date XX/XX/XXXX noone will tell me who they sold it to. 

When I called XXXX XXXX XXXX to get the name of my new mortgage holder they told me they could not give me that information and it was their policy to protect the loan holder, When I called Wells Fargo they could not tell me who the loan was sold to. There no longer is anything in the wells fargo system and XXXX XXXX XXXX doesn't even have an active account but they told me that I could make them a payment. 

My question to them was where would this money go and why would I pay a company that won't tell me who the lender is?

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 2019-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
In XX/XX/XXXX, I graduated from the school identified in the earlier prompt. I received an Interest Notice with an option to pay it off to avoid interest capitalization. I did. 

I made a payment in the amount of {$4700.00} on XX/XX/XXXX specifically directing XXXX XXXX to apply it toward the Interest Notice. XXXX XXXX misapplied the payment and capitalized the interest. The issue was not resolved through customer service until I filed several complaints with XXXX XXXX and, finally, with Consumer Financial Protection Bureau. 

Then I received the 1098-E for XX/XX/XXXX reporting the wrong amount of interest I paid in XX/XX/XXXX : {$1300.00}. The actual interest I paid was : {$4700.00}. I tried to resolve this discrepancy with XXXX XXXX before the IRS deadline to file my tax returns. I received an email/secure message that my tax information was reviewed and that the XX/XX/XXXX 1098-E will reflect the correct information. 

Recently, I received the XX/XX/XXXX 1098-E and it only reflected interest paid in XX/XX/XXXX : {$2300.00}. The information in the form is wrong for two reasons : 1 ) it does not include the remaining interest I paid in XX/XX/XXXX which XXXX XXXX promised to correct and, 2 ) it does not reflect the correct amount of interest I paid in XX/XX/XXXX alone. 

I am attaching all documents pertaining to this issue, including XX/XX/XXXX Payment & History spreadsheets downloaded directly from XXXX XXXX   Account with totals of interest paid in each respective year and interest reported in 1098-E. 

Reference IDs for the internal, XXXX XXXX Complaints : XXXX  ; XXXX  ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I recently got my credit card limit decreased by XXXX from XXXX to XXXX. I received a letter XX/XX/2019 with an explanation that is due to the length of time revolving accounts have been established. I have called customer service XX/XX/XXXX, XXXX & XXXX in hope that I will be treated fairly and have my limit restored, however after answering personal questions as to why I used the card and why my debt is high, I was denied of my request. I have been a customer for 5 years and it seems like XXXX does not care about that. At all the times I called, there was no negotiating and the scrips reps were reading from were very good in reversing the blame onto the customer. I was told that my limit can be restored but when I pay off most of my debt, so, for now, they have lowered the limit to where I am maxed out on XXXX and therefore my monthly payments will be much higher. I am disappointed in how I was treated and how XXXX does not fulfill their promise - " ensure that all customers are treated fairly, effectively and promptly. ''

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