vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX and I have been fighting several medical collections listed on my credit file that I don't believe are mine. They are listing dates of service from this year, last year and in XX/XX/2016. I haven't been to any type of medical facility in over 3 years. I have disputed with the bureaus to no avail. I don't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi, my name XXXX XXXX  XXXX. Recently I applied for job and they require to check my background and then they gave me background report from credit company. they found a criminal report on my name which is ( XXXX XXXX  for XXXX XXXX ). I wasn't involved with any criminal background, but as I know I owned a grocery business it was my first experience with business.It was run including food and nutrition service which is call food stamp. that time I wasn't present in the store and my new employe was there and he doesn't speak and doesn't understand XXXX enough, may be he did mis transaction with food stamp because he didn't understand or something else. he wasn't explain me enough. that area most people have food stamp. I'm not lying I didn't do this kind of business, swear my XXXX, afterthat service was gone which I didn't know. now in XX/XX/2018 I'm trying get a job and bad report I'm disqualified. my question is how can I remove bad criminal report from my background, swear again I'm not involved with that. I want to get a job. I want to remove it from my name. I love this place, I want to live here. that's all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
We sold our condo which had a mortgage on it that SPS took over from  XXXX XXXX XXXX a couple years before. The loan closed the morning of XX/XX/XXXX. SPS was paid off with a wire from XXXX Title and Trust the morning of the XXXX. The loan could not have closed had SPS not received the wire for {$720000.00}. The attached Master Closing Statement clearly shows XX/XX/XXXX as the settlement date as well as the disbursement date. I sent {$2000.00} extra to the closing to cover any extra charges that might show up at closing which is customary. I have also attached my XXXX XXXX  XXXX bank statement which shows XXXX XXXX XXXX refunded me {$1900.00}, the overage, via wire XX/XX/XXXX and that I received immediate credit. SPS is saying the loan was closed XX/XX/XXXX when I have proof that they had their payoff of {$720000.00} the morning of XX/XX/XXXX not XX/XX/XXXX. SPS is attempting to cheat me out of {$110.00}, daily interest x 3 days totaling {$330.00}. I have also attached the SPS payoff statement showing this {$110.00} amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: NJ

Complaint narrative:
To XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of  FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX  Equifax XXXX Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: NJ

Complaint narrative:
To XXXX Consumer Relations According to my recent credit report request from Experian.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & EXPERIAN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Experian XXXX XXXX Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE 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 2018-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NC

Complaint narrative:
I was interested in applying for a new card with the extended warranty and price protection benefit since one of my other cards lost it. During my investigation, two cards had this, the XXXX  Double Cash and the US Bank Cash 365. On XX/XX/XXXX, I called US Bank to ask them about these benefits. I expressed how with XXXX XXXX coming up, I wanted the best prices so I was buying now but I didn't want to end up finding it cheaper later on. The lady on the phone, who was actually quite pleasant to speak with, hence why I went with them, assured me " if you find a lower price ONLINE, we will match it, up to {$250.00} ''. I got the card in the mail, found a TV online and went to use it. Kept getting errors on the site. Called US Bank, nobody knew what was wrong. I eventually got it to work by checking out with XXXX. About a week later, as my luck has it, I find it online {$240.00} cheaper. Called US Bank and literally 3 reps couldn't tell me how to file a claim for it. Finally, I dug up the number and called a lady. She informed me for the price protection to work 1 ) it had to be a PAPER ad 2 ) it had to be completely purchased with the credit card. Here was the problem, since the card wouldn't work on the site ( rakuten.com ) I had to use paypal. XXXX always elects to use your balance before a credit card. The other thing is no-one ever told me about the paper requirement. I was led on to sign up for a card with useless benefits.

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
Consumer complaint received 2018-12-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint on Capital One bank : I applied for a 360 money market account with Capital One in XX/XX/2018. They were running a {$500.00} checking bonus promotion, and the requirements were to deposit {$50000.00} between XX/XX/2018 and XX/XX/2018. 

I made two deposits of {$25000.00} on XX/XX/XXXX and {$25000.00} on XX/XX/XXXX, and so the terms and conditions are met. 

On the terms, it did mention that it may take up to 60 days for the bonus to be deposited into the account. After the 60 days passed, the bonus was not deposited into the account. 

I contacted the bank today ( XX/XX/2018 ) on two separate occasions and received two drastically different responses on how I didn't meet the bonus requirements. Some of the responses even added new terms that didn't exist and contradicted one another.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: IL

Complaint narrative:
between XXXX and XX/XX/2018 after looking at my EQUIFAX credit file I noticed a list errors and accounts not belonging to me.I disputed the accounts and EQUIFAX stated they were removed. Six months XX/XX/2018 later the accounts are still on my file! Please see attachements! EQUIFAX STATED THE ITEMS HAVE BEEN REMOVED! Why are they still showing on my credit file, All items deleted by EQUIFAX but still remains on my credit file! See attachments for proof! 
Personal finance-deleted XX/XX/2018 Personal finance-deleted XX/XX/2018 Bankruptcy-deleted XX/XX/2018 EQUIFAX GUIDELINES STATES IF A ITEM STATES DELETED THEY HAVE REMOVED IT FROM YOUR CREDIT REPORT AND TAKEN STEPS SO IT DOES NOT REAPPEAR! I have highlighted ALL supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: FL

Complaint narrative:
My name is XXXX and I have been fighting several medical collections listed on my credit file that I don't believe are mine. They are listing dates of service from this year, last year and in 2016. I haven't been to any type of medical facility in over 3 years. I have disputed with the bureaus to no avail. I don't know where else to turn.

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 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX and I have been fighting several medical collections listed on my credit file that I don't believe are mine. They are listing dates of service from this year, last year and in 2016. I haven't been to any type of medical facility in over 3 years. I have disputed with the bureaus to no avail. I don't know where else to turn.

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 2018-12-05 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:
XX/XX/2018 I contacted Equifax via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 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: MI

Complaint narrative:
Submitted disputes numerous times with Transunion to delete inaccurate/false information on my credit report. I am very upset that you have included the below information in my credit report due to its damaging effects on my credit standing. As you are no doubt aware, credit reporting laws require bureaus to report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing, and has negatively impacted my life. 

The following information therefore needs to be deleted from the report as soon as possible : XXXX XXXX, acct. XXXX. I have no knowledge of this fraudulent entry on my credit report. I have no accounts with the account numbers reported. I opened no accounts on the dates referenced. I have had no communication in any way, EVER, from the reporting agencies. The above information needs to be deleted as quickly as possible and confirm these deletions within 30 days. If these fraudulent accounts are not permanently deleted, and/or if you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the FTC for FCRA and FACTA violations, the FDCPA for violations of FACTA and the FCRA, I will also file a complaint with other appropriate State and Federal authorities. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )

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 2018-12-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
On XX/XX/2018 the aforementioned debt collector called my employer 6 to 7 times during the times of XXXX and XXXX. There have been calls prior to this date. Today XX/XX/XXXX at approximately XXXX, the debt collection agency was told to stop calling place of employment. I was informed by my employer of this called, and that employment was verified. Debt collector stated otherwise to my husband over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2018 we had fraud on our debit card. It was compromised for {$590.00}. Chase bank said we are liars and there is no way our account could have been compromised. The charge occurred 35 miles away on the other side of town. We were in bed at the time. We filed 2 police reports. Sent footage of charges being made by someone else. They said we could have let someone else use our card. Our account has been negative ever since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05 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: FL

Complaint narrative:
Filed a dispute - and now cant get back on system. Every time I call, either hold for hours and hours ( and then get cut off ) or they tell me system is not working. It dropped my credit score 50 points and I cant get a resolution. I am shopping for a car and can't move forward

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
On XX/XX/XXXX i was contacted by Hillcrest, Davidson & Associates, LLC they stated there was a civil lawsuit against me with XXXX XXXX XXXX  for XXXX dollars. I explained to Hillcrest, Davidson & Associates, LLC that my account with XXXX  XXXX  was personally closed back in XXXX and at that time had a XXXX  balance. the women I was speaking with from Hillcrest, Davidson & Associates, LLC stated she would give me 24 hours to find documentation stating this if I could not then she would retract my file and pursue the lawsuit. Looking into this matter I was never contacted by XXXX XXXX  stating I owed money via mail or email. the woman called me back the next day asking i fid out documents. I let her know that I was never contacted and I felt like this was false and I asked for further information about Hillcrest, Davidson & Associates, LLC and who they were. she stated she did not have to provide any information and hung up on me. today XX/XX/XXXX I personally called XXXX  XXXX XXXX. The bank told me that I do not Owe XXXX dollars. I do owe XXXX dollars in fines but no action has been taken against me. They told me to go to a branch manager and have the fees waived. I then called Hillcrest, Davidson & Associates, LLC back today XX/XX/XXXX to let them know this and the lady became angry with me and stated " well get thrown in jail i dont know why your calling me back if you know so much '' then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I MISSED A PAYMENT ON ONE OF MY ACCOUNTS. I DIDNT REALIZE IT UNTIL I RECEIVE A NOTICE THAT MY CREDIT SCORE HAD DROPPED. I CALLED THE COMPANY AND IT CHECKED OUT THAT I HAD MISSED A PAYMENT. MY OVER SIGHT I GET IT. MY COMPLAINT IS I HAVE A 99 % PAYMENT HISTORY THAT SHOULD HAVE BEEN A 100 UNTIL NOW AND THEY DROPPED MY CREDIT XXXX POINTS. TRANSUNION AND XXXX BOTH. FROM XXXX TO XXXX FROM TRANSUNION AND XXXX TO XXXX FROM XXXX. THEY BOTH DROP YOUR SCORE THAN RECOMMEND THEIR SERVICES OR COMPLANIES THEY PARTNER WITH TO BRING THEN BACK UP. MY COMPLAINT IS THESE COMPANIES ARE NOT FAIR. THERE IS NO WAY MY SCORE SHOULD HAVE DROP XXXX POINTS FOR ONE MISSED PAYMENT AND THIS IS NOT THE FIRST COMPLAINT IVE FILE AGAINST THESE COMPANYS FOR UNFAIR 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 2018-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have found a systematic fraud at Navient where they indirectly charge borrowers to simply change the bank from which their autopayments are drafted. 

I currently have an outstanding balance of {$61000.00} in federal loans serviced by Navient. I called Navient to simply switch my auto-draft from my XXXX XXXX XXXX checking account to my XXXX XXXX XXXX XXXX savings account. I was advised by customer service that the only way to do so was to cancel my current auto-pay. Doing so increases the interest rate on my loans by 0.375 %, which is the benefit offered by Navient for being on auto-pay, which the customer probably never notices. " XXXX '' ( # XXXX ) and her subordinate advised me to do this, saying I would not be charged a fee. The auto-draft authorization process takes about two weeks ( more or less ), even though my XXXX savings account was already authorized at Navient from months back, and is displayed as an option for my auto-pay. 

In summary, there is no way to change auto-draft banks without paying the extra interest for two weeks ; in my case, the interest is about $ XXXX {$9.00}. The fact that this extra " fee '' is accruing on a ledger is extremely opaque to the customer. They assured me there was no other way to change my auto-pay bank. Multiply the average outstanding student loan by the number of borrowers changing banks times 0.375 % interest, and I'm sure Navient is fleecing 7-8 figures from unsuspecting borrowers. 

Also note that Navient understood this is the case, and provided no relief for the extra money I had to pay. They would not allow me to reverse my decision, either, and continue to use my old bank under the old interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05 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: AL

Complaint narrative:
I am being sent a bill each month by email and physical mail for a loan I donot recall applying for. The loan doesnt have my correct name on it and XXXX has checked out my loans and it doesnt appear on my loan history according to Dept. of Education. I was afraid to not pay so I did it for about two years while attending college. When I called them they said I had to pay anyways and told me that my wages would be garnished or my credit would be impacted negatively. I was terrified of those consequences so I made the payments on time monthly.

Company response to consumer: Closed with explanation