vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-07 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 been actively monitoring my credit through XXXX XXXX. In the middle of XXXX, 2017, Equifax  reported information through XXXX XXXX, vwhich resulted in a XXXX XXXX score. Many negative items were disputed by me directly with Equifax via letters. Equifax, removed many of the items due to the failure to verify the accuracy of those negative accounts. However, they also deleted my open and active credit card account, which is in good standing. These actions resulted in a NO SCORE credit file with Equifax. Consequently, I have been denied credit based on information provided by them ( No credit experience ). I contacted Equifax a few weeks ago when I first noticed that my credit card account was deleted. I was not able to resolve the issue with them. Since then, I have not been able to speak with anyone. Furthermore, Equifax has continued to update only negative information through XXXX XXXX, even inquries as recent as XXXX XXXX, 2017 ... .but, not my open, in good standing credit card account with XXXX XXXX . If I have an account in good standing, which was previously showing on XXXX XXXX, I should have a credit scorXXXX for reporting. I have eliminated the theory that XXXX XXXX is the issue, as the rep from Equifax suggessted since I had purchased a subscription from XXXX ( I think thats the name ) and it showed my Equifax score a ( 4 ). Additionally, I tried to purchase an Equifax subscription, using the card that they deleted from my file and my subscription purchase did not go through although my card was charged. I feel as if they are only reporting negative information about me and not positive accounts ... and I have no way to regularly monitor my Equifax report to for errors and accuracy. Ive attached files that show that my card was previously showing, but was deleted, along with proof of my previous score and proof that the XXXX XXXX account exist, is in good standing and reported by other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
After chapter  XXXX  completion my credit report should show this debt as closed with a  XXXX  balance. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance.  Review  carefully and follow the law. This debt was discharged in  XXXX  and should show closed and   XXXX   balance. This company intentionally sent out an update after discharge that had inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07 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:
Equifax is showing I have  XXXX  accounts in collection status with  XXXX   XXXX   XXXX   XXXX .      XXXX   XXXX   XXXX  has submitte d 1 d eletion request for each of the  XXXX  accounts and I have copy 's of all  XXXX  letters. I have also mailed via  USPS  the deletion letters as well as uploaded them to Equifax.     Equifax refuses to remove the inaccurate accounts from my credit report. This has been over the course if of two months with multiple phone calls, emails, mail requests from myself and the original creditor. as well as online disputes.     This needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX   XXXX   - I requested my free annual credit reports from all three credit agencies  (   XXXX   XXXX ,  XXXX , Experian  ) .  XXXX   XXXX  and  XXXX  sent me their reports - no problem. Experian refused to send my report, claiming that I had received an Experian report within the last 12 months. This is wrong ; I last received an Experian report in   XXXX   XXXX    .     I tried to contact Experian, but all their phone numbers that I could find go to automated answering machines that only expected me to request a credit report. I sent an e-mail to them, but they sent a message saying they could not respond to individual requests.     How can I get them to pay attention and clear up this problem?     Thanks,  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 2017-05-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I was a customer in  XXXX   XXXX  and during that time, I have enjoyed my experience with you greatly ; however, the account is closed and paid in full. It has been over 7 years since the account was open. According to the Fair Credit Reporting Act after 7 years from the first date of delinquencie s (   XXXX  ) this item must be removed and not reported on my credit report. Negative information that is more  than 7 years old  ( 10 years for ban kruptcies ) must be removed from your file. Therefore, I am asking for you to remove this items as a ASAP my cr edit 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 2017-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I took out a private student loan with Citibank for {$12000.00} with a co-signer in   XXXX   and 1 year later, while I was still in school, my co-signer filed for bankruptcy. Unbeknownst to me, my loan was automatically defaulted because of this action. My loan did not default because I ( the primary loan holder ) failed to make payments or I, myself, filed for bankruptcy. I was in good standing before this happened. I should n't be penalized for my co-signer 's action or financial situation. Now my credit is tarnished.     A few months after I finished school, I received a call from a credit collection agency and that is how I found out. I had to hire a lawyer to sort out this mess and ultimately, I had to use what was supposed to be a down payment for a house to pay off this debt so that I would n't have a defaulted loan on 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 2017-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On   XXXX   XXXX   XXXX     my Bank of America checking account balance was {$240.00} my balance on   XXXX   XXXX   XXXX     went up to {$280.00} witheout a deposit transaction made to the account. A similar error was made last month and caused my account to become overdrawn. I filled a complaint on   XXXX   XXXX   XXXX     (  XXXX  ) and, I have not heard from the bank yet.

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 2017-05-07 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: AL

Complaint narrative:
I was a customer in  XXXX   XXXX  and during that time, I have enjoyed my experience with you greatly ; however, the account is closed and paid in full. It has been over 7 years since the account was open. According to the Fair Credit Reporting Act after 7 years from the first date of delinquencies  (   XXXX  ) this item must be removed and not reported on my credit report. Negative information that is more than  7 years old  ( 10 years for bankruptci es ) must be removed from your file. Therefore, I am asking for you to remove this items as a ASAP 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 2017-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
I disputed a collection on my credit and I said non contract with the company I do n't have a contract with collections agents I need this off my credit boo do n't have a contract with collections agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen is  my loan servicer for my mortgage. In    XX/XX/XXXX   , they denied my application for loan modification. Instead, as I was not working at the time put me in an unemployment program which took my payment from {$2400.00} to {$2200.00}. As it was explained to me the difference in interest could be paid later and added to the principle. I was told after a year they would relook at the modification opportunity and if I was working I would probably be approved.   O n  XX/XX/XXXX  I calle d  XXXX  to look at refinancing my home. Finally, after 12 years of making my payments on time automatically out of my credit union account, I truly felt I was finally out of the water.   What the rep from  XXXX  told me was  Ocwen had  been reporting my mortgage being paid late since I opted into this program. She could not help me.   I never agreed to enter into a program that would report my mortgage being late, This would have ruined any chance of ever refinancing my horrible loan.I never signed anything agreeing to this as well, which  Ocwen  confirmed as they stated that could n't find any document signed by me.   This is n't the only tim e Ocwen hav e messed up on my payments. Fo r one year they impounded my taxes and home insurance from my checking account without m y authorization. I have always paid for my own property taxes and insurance. They eventually refunded the money they took and blamed it on a new system they had started using. Again I never signed anything for them to withdraw this money from my account.   I have sent a fax of notification telling them to remove these negative marks on my credit bureau. As my wife and my brother who 's a   XXXX   are also listed on the mortgage are also being negatively affected.   I need to refinance my  XXXX  loans that I originated back in  XXXX  and until these reports are removed I will be unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a credit card from  Wells Fargo  on   XXXX   XXXX   with a credit limit of {$13000.00} in mine and my mothers name. Neither of us have requested this card. I understand  Wells Fargo  is in the middle of fraudulent hearings about these issues and they seem to still be practicing these horrific habits.     I will be reaching out to  Wells Fargo  but wanted to report this.

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 2017-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Our mortgage on our second peoperty ( condo ) was sold to green tree and we became behind in payments. We went through modification but were denied. We submitted  XXXX  short sale offers which were never acted on by green tree. Foreclosure happened. We never received anything in mail explaining the short sale offer denials nor the foreclosure. For info i had to ca ll the county prop erty tax office. Our credit of course was dramatically impacted affecting many aspects of our life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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: LA

Complaint narrative:
I was checking credit reports on  XXXX / XXXX /  XXXX   and noticed that my scores had decreased by  XXXX  points. There has not been any negative changes with my credit reports. My scores should not have changed.

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 2017-05-07 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: Community Cash Management Corp.
State: ME

Complaint narrative:
To : Whom it  May  Concern, I had a bill from  XXXX  of a total of {$610.00}. I have the receipt of payment that shows I have paid the full amount. The amount of {$610.00} is currently open on my  XXXX  Credit Report. The status should be shown as closed. I have reached out to the  Collections Agency , as well as,  XXXX . They insisted they will close it the day I call, and it still remains open. I have no other choice, but to contact you. I am applying for a house loan, and it is imperative this amount on my   XXXX   shows a status of closed. I would like the assistance from your agency to handle this matter. At this point I have tried every possible communication with them with no help. I had made payment of total amount on  XXXX / XXXX /  XXXX  .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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: NY

Complaint narrative:
Sent letters to all  XXXX  agencies -- -got reports from  XXXX  and  XXXX  BUT ONLY GOT RETURNED LETTER TWICE FROM TRANSUNION  XXXX  CAN NOT GET THROUGH TO THEM IN ANY FORM. HAVE MANY CORRECTIONS TO MAKE ON ALL  XXXX  DUE TO VERY OLD DEAD ACCOUNTS AND VERY OLD CLOSED ACCOUNTS.     IT IS BECAUSE OF THIS VERY OLD INFORMATION THAT I BELIEVE MY IDENTITY HAD BEEN STOLEN TO BEGIN WITH!!!!!!     CAN YOU HELP ME???????     Thank You.

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 2017-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On   XXXX     i submitted a complaint with CFPB regardingg my  Kohls  store card. Complaint #  XXXX  with the CFPB. The response fro m Kohls state s that I have voluntarly requested paperless statements, and that my account is available online. I have never been issued a cc statement, only a notice that my statement was available online. However since the date of opening the account, i have never been issued and physical CC. I am able to make purchases in store when i provide a copy of my DL and enter my SS # in the card reader. Since i do not have a physical copy of my card, i have never been able to access the company website to pay my bill. This has never been an issue, since I usually pay my bill in full as described in Kohls   XXXX   XXXX   response to my compaint.  Kohls  also note that My email address is   XXXX  when it is in fact  XXXX  XXXX  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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:
I have sent  XXXX  written request to Equifax requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify.  Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent  three written request to Transunion requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did  not verify.

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 2017-05-07 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:
When I was notified by  XXXX    XXXX   which purchased the account from  XXXX   XXXX  that I had a voluntary auto repossession account with them, I disputed this account. Then I notified the  XXXX  credit bureaus once the company was unable to prove that this account was mine, but they refuse to remove it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: TX

Complaint narrative:
I called The Medical Business Bureau Since its affecting my  credit score with a  collection i do not owe ... i asked them to review the information on file and compare it to my social security number and they said it didnt match ... i asked them to have it removed immediately and so far nothing has been done ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: NJ

Complaint narrative:
I borrowed {$350.00}, I am being charged 795 % interest!

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 2017-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
Previous complaint  XXXX  regardi ng USAA. I had been a customer of USAA for many  years. In  XXXX  I went through a divorce and was financially devastated. I had an auto loan and a credit card with  USAA  that I could no longer afford to pay. They auctioned my car and I was responsible for the remaining balance. After a long period of time, accounts went to an outside collection agency. I dont have the name of the agency but I worked with them to settle both debts. It was VERY CLEAR these were settlements, not payment plans as I knew they were done when all my payments were made. I believe it was  XXXX  when my payments began. My name at the time these debts were incurred was  XXXX   XXXX . The only other information I have is  XXXX   USAA  account number ends in  XXXX  and the other USAA account number ends in  XXXX . I paid both debts faithfully, auto deducting from my checking account bi-weekly. I have evidence from my bank that every payment was made and the last payments made were  XXXX   XXXX . In  XXXX   XXXX , I got a call from a collection agency regarding this SAME DEBT. I advised these had been settled and paid as agreed. They said they had not and they would continue to collect. I do n't have any of the settlement paperwork since I have moved my home and thought it was over. Now, both of these balances are accruing interest every month and reporting >  XXXX  days past due every month. I paid these accounts per our agreement and I need the credit bureaus to be reported as such and STOP TRYING TO COLLECT ON DEBT I ALREADY PAID!!! This is illegal!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief