vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled my credit reports. On all the reports it shows I have negative and a late account with XXXX XXXX. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, XXXX and Experian. All came back verified. I called XXXX XXXX, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, 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 2018-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC
State: LA

Complaint narrative:
On Friday, XX/XX/XXXX, I emailed my mortgagor ( GMFS ) because, without written notification, escrow analysis or warning, I was told verbally over the phone that my mortgage was increasing by $ XXXX  month. 

Five days later, I still hadn't received a response. I resubmitted my question, and received an email from GMFS telling me to call the servicer, who I had already had spoken with over the phone, and who couldn't provide me with any additional information as to the increased mortgage amount. My mortgage is now due in one week, and I still haven't received updated information or an escrow analysis. 

I've included the contents of the email in its entirety below. 


On Fri, XX/XX/2018 at XXXXXXXX XXXX, XXXX XXXX XXXX wrote to XXXX : Yesterday I received a call from a representative who said he was from GMFS. 
It turned out that he was actually employed with XXXX XXXX XXXX. 

During our call, which was to notify me of a change in servicers, the representative mentioned that my next payment should be made to their company, and listed an amount that is {$500.00} above what I am currently paying ( and which is due in less than two weeks ).

1 ) Please send me an escrow analysis immediately.

2 ) Please provide for me in writing information as to whether GMFS is affiliated with XXXX XXXX XXXX, beyond the contractual agreement of servicer and mortgagor. 
3 ) Finally, if the updated loan statement amount shared by the representative during our call is accurate, I want to apprise you that I plan to file a complaint with the CFPB. This payment is less than two weeks out from due, and I have yet to receive a loan statement, escrow analysis, or any other information providing me with adequate notification of a pending significant increase, or the nature of the increase.

I realize that Federal law bars late fees during the 60 day period following the effective date of transfer, but the complete lack of notification of such an increase is inexcusable and creates significant hardship on the homeowners that GMFS serves. 

Best, XXXX XXXX Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: AES/PHEAA
State: AL

Complaint narrative:
I visited the XXXX XXXX XXXX website over a month ago to get an interest statement. I also learned that my payment amount was increasing. While on the website I went to the manage repayment section to see about getting assistance or learn why the amount had increased. I contacted the office and they explained that due to a program I was on it has now expired that my payment increased. Not sure what program that was, they would never say. I asked how to lower the payment back down and they stated they would research. I received an email that my case was still under research a month later. I still have not heard back from the servicer regarding my request. Because I had not heard back regarding the amount, I checked my account to see what was charged and I noticed that XXXX payment had not cleared my account ( this payment is on auto debit and has been for years ). Today I check my account and learned that the servicer has debited my account {$480.00} without any notice to me of doing so causing my account to be overdrawn. I still have yet to hear from them regarding the payment amount increase. I tried calling their office today but learned that they are temporally closed through the automated system. I consider this transaction to be unfair. Im trying to get assistance to lower and not only am I double charged for their error, I have a much higher amount. If they were going to debit my account in that amount I should have been made aware of the charges. I dont have that amount of money to pay at one time for a loan that doesnt even pay down the principal!!! I want one of the payments refunded. I agreed for the monthly amount to debit on a certain date. It was their error for it not to debit. I also would like to know where that status of my request for lowering the payment stands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has been notified by me that I had several accounts that on my file fraud. This dispute has been going on for over months.I supplied affadavits and police report that support the claim. The same accounts was on XXXX and XXXX.Same companies.These disputes been resolvd before 30 days ... .. When I call Equifax and request a supervisor.Everyone in Consumer Affairs a Supervisor.There no access to higher management.I don't have a direct number to Office of Consumer affairs, Not sure why the have my file instead of the fraud department.This bureau removed my XXXX XXXXXXXX account on there own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRADULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN 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 non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: OR

Complaint narrative:
I took out a loan with Big Picture Loan on XX/XX/17 for {$470.00}. The interest rate is 544 % which is way over Oregon 's legal limit. I have already paid {$650.00} on this loan. When I checked my account details it says I still owe {$450.00}. I was not aware that almost all the money I have paid so far has only gone to interest on the loan. I have already paid what I borrowed, plus more in interest. I will never be able to pay off this loan at this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill.

I NEVER SIGNED UP FOR ELECTRONIC STATEMENTS, I NEVER KNEW I HAD ELECTRONIC STATEMENT, I NEVER AGREED TO ELECTRONIC STATEMENTS. I DID NOT RECEIVE ANY EMAIL REGARDING ELECTRONIC STATEMENTS.

The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX XXXX XXXX ). After a while, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

I DISAGREE WITH WELLS FARGO 's RESULTS. I REQUEST A REINVESTIGATION OF THIS DISPUTE. WELLS FARGO NEEDS TO ADDRESS EACH CONCERN IN DETAIL AND PROVIDE PROOF THAT THEIR RESULTS ARE ACCURATE. WELLS FARGO HAS NOT PROVIDED WITH PROOF THAT I SIGNED UP FOR ELECTRONIC BILLING STATEMENTS. ( I NEVER SIGNED UP ) WELLS FARGO NEEDS TO PROVIDE PROOF OF DELIVERY OF THE PAPER BILLING STATEMENTS.

If you find the disputed information referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

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 2018-03-21 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: TX

Complaint narrative:
I been reviewing my credit since transunion server error and i noticed alot of inquiries was placed back on my report in some cases 3 times more on my report i also had cases of the wrong address like i had California addresses on my report and i never been. I went online to resolve the matter with transunion i was able to correct the address issue but it doesn't give you the option to address the inquires. 1. XXXX XXXX   XXXX, 2. XXXXXXXX XXXX XX/XX/XXXX, 3. XXXX XXXX  XX/XX/XXXX, 4. XXXX XXXX XX/XX/XXXX, 5. XXXX XXXX XX/XX/XXXX, 6. XXXX XXXX XX/XX/XXXX, 7. XXXXXXXX XXXX   XX/XX/XXXX and XX/XX/XXXX XXXX, 8. XXXX XXXX XX/XX/XXXX, 9. XXXX XXXX, 10XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 11. XXXX XXXX XX/XX/XXXX, 12. XXXX XXXX XX/XX/XXXX, 13. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 14.XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, 15.  XXXX XX/XX/XXXX, 16. XXXX XXXX XX/XX/XXXX XXXX, XXXX, 17.

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 2018-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received on XX/XX/XXXX a notice that was included with my monthly statement. This statement notified me of changes to my account. The changes were to be in effect on XX/XX/XXXX. I  believe that any changes to my account should be sent to me, in writing, 30 days before the change takes place. Huntington Bank. XXXX XXXX, Ohio. I have talked to a bank rep on the phone today and she was to file a complaint and send me info on all of our accounts. ( My husbands ' and mine ) I am not sure that I can trust this bank to do the right thing, that is, make the changes 30 days from the date of notice. I can not find a date on the notice paper that was sent, but it was included with my monthly statement. I also wonder about how short the actual inactivity fee can go. They changed it from 2 years on a savings account to 12 months. These changes have not affected us at all but I think that down the road things will progress to the point that they will be benefiting from customers naivety. 
Thanks for your timely response, Huntington bank customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have received several forbearances on my loan while being unemployed, and the interest has compounded unfairly on my principal balance. My payments have been so low, I have unknowingly increased my loan balance significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have had a Chase credit card for many years ( Chase Sapphire card ). Several years ago, I joined the XXXX XXXX XXXX for our XXXXXXXX, and when registering as an XXXX XXXX XXXX XXXX with Chase Bank ( with whom the XXXX dealt ), I used my credit card as identity. Following that, they linked my credit card reward program to the XXXX accounts without asking or notifying me, so that if I was not very careful, I might accidentally redeem my cash back as a deposit to those accounts instead of my own. That seems a highly inappropriate process, especially for a financial institution as large and established as Chase. I have tried having those accounts unlinked by lengthy phone and online communications without success. The online responses have been evasive at best, ducking the question or pretending to misunderstand. The service personnel on the phone first tried saying it was something I did, and when that didnt succeed, simply told me nothing could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays closed my Arrival credit card account on XX/XX/2018. I maintain a credit score in excess of 760 and have paid all of my bills for over 20 years. Barclays claim they closed the account because of " Your history of account usage. '' What does this mean? I used the card to buy things and then I paid off the balance. 

At the time my account was closed, I had XXXX miles worth {$440.00}. Those miles were taken from the account. They easily cover the very small balance on the card.

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 2018-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have had a Capital One XXXX XXXX credit card since XX/XX/XXXX. I have never been late or missed a payment. XXXX XXXX  score is in the XXXX range. I own my home outright and have no debt. I am retired and am XXXX years old. In XX/XX/XXXX, I charged a total of {$7600.00} to this XXXX card and paid the full balance due each month. On XX/XX/XXXX, Capital One wrote me a letter ( which I received on XX/XX/XXXX ) stating that my credit limit had been changed from {$25000.00} to {$10000.00} because " my account was not used enough for the assigned credit limit ''. As stated previously, I charged a total of {$7600.00} to this card in XX/XX/XXXX. I have a subscription to XXXX  and was informed yesterday that my XXXX score had been decreased from XXXX to XXXX due specifically to the credit limit downgrade by Capital One. I asked the XXXX   rep what credit limit I should have in order to support a yearly purchase usage of {$7600.00}. She told me that my usage should not exceed 20 to 30 % of my credit limit. Their preferred value is 20 %. Using this info, my previous limit of {$25000.00} was the minimum I should have ( {$38000.00} is preferred ) I have given Capital One no legitimate reason for the credit limit downgrade and I can only assume that I am being punished because of AGE DISCRIMINATION by Capital One. They have NO LEGAL BASIS for this credit limit downgrade! PLEASE help me get this INJUSTICE reversed and send them a clear message that AGE DISCRIMINATION is against the law and will not be tolerated!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I made my yearly purchase from XXXX XXXX with my XXXX card as I have for the past few years. I use my XXXX card only to get the points then I pay it off with the bank account that is connected to my XXXX card online. 
In XX/XX/XXXX I went to the XXXX XXXX website to make full payment. I proceeded to make the payment, received the thank you for the payment page and noted my personal budge/bill sheet as paid. 
On or about XX/XX/XXXX I received an email that my account was 30 days past due. I immediately made a phone call to ask why. I was told that it had been reported to the credit bureau as a 30 day late pay 2 days prior to the email I had just received. 
I explained that I had made that payment back in XX/XX/XXXX and had not gotten any email or late pay notice until that email that prompted the call. At this time full payment was made to XXXX and all late fees were refunded by XXXX. 
I disputed with XXXX XXXXCapitol One on XX/XX/XXXX and then again around XX/XX/XXXX. 
I also disputed 2 times with XXXX  and XXXX. 
This is clearly a system error of some sort which is obviously not a item that can be " proven ''. 
The only response I'm getting from XXXX is that if there is not proof of it being " their fault '' there is nothing they can do. I debated that a " fault '' of a system error is impossible for the consumer. 
My credit has been in perfect condition for many years now and this is the one and only blemish, reducing my score by more than 50 points. I am asking XXXX to simply make a courtesy credit removal due to some sort of system error. 
I have also consulted a credit repair company that advised I try once again to remedy it with XXXX XXXXCapitol one and then proceed to file with the CFPB, OCC, Fair Credit Billing Audit and social media negative blitzes. I shared with XXXX the steps I was going to take and they did not care. 
I am in awe of how an error of this sort can have such an impact with zero path for the consumer to be protected or heard and a human being instead of a number or piece of paper.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient is reporting late payments on my credit report during a time that I was currently enrolled in school. It is impossible for payments to be late on a loan that was not currently due. I have disputed this issue with them several times and they will not remove the late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
During a time of XXXX BBva compass allowed someone to use my identifying information to open several loans and account and bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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