vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
Elan Credit Card was issued through a bank I have other accounts with. This bank merged with another bank and the automatic bill payment that I had setup did not process on time. I received a late fee and called Elan to explain to have resolved. The representative told me no problem you have never been late and we will refund. I explained, I can get the amount credited by Bill Pay as I have proof that it was Bill Pays error, not mine. She said not to worry and I left it at that. the next month, the new bank that has the Bill Pay who told me it would be setup did not make the payment again and I have another, higher late fee. Also, received a letter in the mail that my credit line is cut in half. I called Elan to explain that the first time was not my fault and if I had been told that not fighting to have Bill Pay held accountable that it would effect me in this way then I would have done so. I asked what I could do to get this corrected now. They told me I would have to ask for a credit line increase. Really! You just lowered my credit score because you cut my credit line in half and want me to let you run my credit report. No way! They told me there was no other way. I will pay the remainder of the existing balance and cancel this card. No way I should be inconvenienced for what was not my error and they should restore things to where they were before. I also had received a letter in the mail asking me to upgrade my card by XX/XX/2017 or they would inactivate it. Possibly the reason they lowered my credit line is because I did not respond to their offer.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent THREE different dispute letters to Experian, and Experian is refusing to properly validate the debts that I have put in letters I have been sending them since XX/XX/XXXX. They keep stating that they have " verified '' these alleged debts and unverified accounts. Experian still has not identified who at Experian verified the accuracy of those accounts and they were verified. As I previously pointed out in my first THREE LETTERS XXXX Law Dictionary, XXXX Edition, XX/XX/XXXX, defines " Verification '' as " Conformation of correctness. truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of a party. So that means that Experian must be able to prove this in a court of law. The following accounts I would like removed immediately. 
XXXX XXXX I have retained all of copies of certified letters I have sent to Experian which will used as evidence in pending litigation provided XXXX fail to comply with my request. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received the copy of credit report which has a lot of mistakes on it and some of the things you allow me to click on and dispute but then when you go to finalize the dispute it tells me you ca n't process it I do n't know what the point of even offering it if you ca n't process those particular things online so that 's why I 'm contacting you on here. 

I have never been known by XXXX XXXX XXXX trying to dispute it but it will not let me. 

I have never lived at XXXX XXXX XXXX XXXX Michigan I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas There are multiple accounts that are showing up on my credit report you are the only one still reporting these I do n't understand XXXX and XXXX have all removed the fraudulent accounts what information is it tthat you need to get these accounts remove? 

XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX 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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I mailed Experian a request to remove approximately XXXX Hard Credit inquires of my credit report, which where not made by me, the 30 days have long past and i have not heard anything from Experian, nor where any of the Hard Inquires removed. 
I also found XXXX different XXXX XXXX accounts on my credit report, i have never had XXXX different XXXX XXXX accounts, they did not investigate any of this and all XXXX accounts are still showing on my Credit report and they impact my credit in a negative way.

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 2017-04-11 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I leased a XXXX through Ally Financial with XXXX miles per year ( XXXX total miles ) that was left in immaculate condition on return with about XXXX miles on the vehicle when returned in XXXX. I had previously taken the vehicle to XXXX to review the tires wherein I was informed that there was plenty of tire tread to meet typical safety standards and was advised by XXXX that I should not need to replace the tires, etc. as the tread was in excess of XXXX '' tread remained above the tire safety line. In addition on return I paid a {$0.00} per mile overage charge on the vehicle to Ally. Ally claims their lease contract requires XXXX '' tread and are wanting to charge {$830.00}, or {$200.00} per tire. On returning to XXXX I learned of XXXX things, 1 ) the tire cost at XXXX is {$110.00} per tire, or {$450.00} total and 2 ) the XXXX '' tread requirement is impossible to achieve on a XXXX mile lease and in fact, in XXXX 's professional opinion, that tread depth could not even in all likelihood be achieved on XXXX miles per year ( XXXX ). I feel that Ally is misleading consumers with the tire XXXX '' tread lease requirement, as well are overcharging for tire replacement costs versus the market and finally are double dipping by adding both the {$0.00} mileage overcharge and replacement tire 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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX entered into an agreement and payment plan with me in XX/XX/2012. I have paid every payment on time according to that agreement. The agreement was that I would make monthly payments of {$600.00} per month until the debt was paid. I have done so. About a year in they started reported me late because of the two past due payments that caused us to reach out to them originally. They told us when we made the agreement that these payments would be put on the end of the contract and to pay {$600.00}. Now, their response is that we were verbally told we had to make all payments on time. We have. We were told the past due payments would not be due until the end. AND WE HAVE A LETTER FROM THEM STATING THE TERMS OF THE AGREEMENT AND THE THE AMOUNT DUE WAS {$600.00} on a go forward basis. They are ignoring what they told us and stating facts that are not true - that we were " never guaranteed '' we would be given the extension for those payments. Additionally, we have been in touch with them for 5 years about this and only when we complained here did they reply. Experian and XXXX have both been notified but have not taken corrective action. This has resulted in my credit to plummet, insurance rates to rise. Please correct this information immediately.

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 2017-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
IN XX/XX/XXXX MY EX BOYFRIEND " FORCED '' ( I WILL SUPPLY YOU WITH XXXX REPORTS IF NEEDED ) ME TO ALLOW HIM TO PLACE A MORTGAGE ON MY HOME THAT I ALONE PURCHASED, WITH THE PROMISE OF MAKING THE MORTGAGE PAYMENTS. HE DID NO SUCH A THING. IN XX/XX/XXXX I TOOK HIM TO COURT AND HAD COME TO A BASIC AGREEMENT ( XX/XX/XXXX ), THE LAWYERS MET AND WE WERE TO HAVE A COURT DATE SCHEDULED. XXXX LEAVING ME WITH A MORTGAGE THAT WAS MORE THAN MY MONTHLY SOCIAL SECURITY XXXX INCOME. MY HUSBAND AND I HAVE WORKED WITH MANY ENTITIES INCLUDING TOWN SUPERVISORS, NY SENATE AND CONGRESS TO TRY AND GET POINTED IN THE RIGHT DIRECTION TO RIGHT THIS WRONG. I WILL INCLUDE THE DOCUMENTATION SUPPORTING MY CLAIMS OF THE LOAN BEING FRAUDULENT IN NATURE. I HAVE HAD TO CLAIM BANKRUPTCY WHICH I GAVE THE HOUSE BACK TO THE BANK. I CAN SHOW WHERE THE BANK ALLOWED ME TO RETURN TO MY HOME ( *SEE EX ; XXXX ) KNOWING THAT I FILED BANKRUPTCY. I HAVE HAD MY CREDIT RUINED, THE XXXX HAS LANDED ME IN THE HOSPITAL ON MANY OCCASIONS. WE FEEL WE HAVE MORE THAN ENOUGH PROOF INCLUDING A DECISION FROM OUR COUNTY XXXX COURTS WHO ON XX/XX/XXXX ( ORDERED THAT THE PLAINTIFF 'S ( BANK ) MOTION IS DENIED IN IT 'S ENTIRETY ; AND IT IS FURTHER ORDERED THAT THE COMPLAINT DISMISSED AS ABANDONED ) * SEE EX ; XXXX THAT IS INCLUDED. I JUST FEEL THAT I NO LONGER HAVE A MORTGAGE *SEE EX ; XXXX. AS I FEEL AT WORST THIS SHOULD BE ATTACHED TO MY EX 'S ESTATE. NOW THE BANK HAS DECIDED TO TAKE US BACK TO COURT TO TRY AND REOPEN THE CASE *SEE EX XXXX. WE FEEL THIS COURT DATE SHOULD BE STOPPED WITH OUR UNDERSTANDING THAT WITH NO MORTGAGE THEY JUST WANT THE HOUSE, WHICH WILL LEAVE MYSELF WHO IS XXXX AND MY HUSBAND A XXXX VET HOMELESS POSSIBLY AS SOON AS 90 DAYS AFTER THE COURTS DECISION. WITH THIS WE HOPE YOU CAN SEE OUR INFORMATION IS TRUE AND VALID AND HOPEFULLY WILL SEE THE FRUSTRATION ON OUR PART. WE ALSO FEEL WE HAVE SUPPLIED DOCUMENTATION TO TO HELP IN OUR CAUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This XXXX account is not mines and has been deleted by Experian. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX XXXX Credit card not mines. 

1. XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} 2.XXXX XXXX XX/XX/XXXX XXXX {$0.00} 3.XXXX XXXX XX/XX/XXXX XXXX {$1000.00} XXXX 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$45000.00}

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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I was the victim of identify thief. Upon pulling my credit report and discovering all list of unauthorized inquires and accounts, I immediately contacted the credit reporting agent to place a freeze on my credit file. On XX/XX/XXXX I sent the reporting agency a certified copy of the identify thief police report, a copy of ID, social security card and a list of the fraudulent items in question. Despite my efforts, the credit reporting agency continues to send letters stating that I must contact each company individually. As a consumer faced with restoring my life after identify thief this is a very disheartening situation. Equifax continues to violate my rights under the Fair Credit Reporting Act, by reporting information on my credit report that are fraudulent, inaccurate and not authorized. Due to their reporting negligence, this is ruining my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CT

Complaint narrative:
I do not know what this is. This is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.

Complaint narrative:
Each time I dispute with Equifax I receive a generic response only after a few days of my dispute. Equifax stated that I did not list the account names, numbers, etc for my disputes. Well I have uploaded proof of my letters I mailed with the account numbers etc that match the information I pulled from my Equifax file. The only information I have is what 's provided on my report. So I do n't understand what other data would I have to include. Nobody has validated any of these negative items. Also Equifax is removing some of my inaccurate inquiries. But when I first disputed it they advised me that these inquiries were a factual record of file access. Each letter I send explains why I am disputing these transactions. I keep records of everything. It 's not nice for Equifax to practice dishonesty especially if they do n't know what documentation someone possesses. All I want is what is fair. After 2 letters Equifax has failed to validate not verify these items on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is Reporting a Bankruptcy which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. Equifax pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has deleted and re added an remove XXXX XXXX XXXX back on my credit report after i submitted the information for myself proven that the XXXX XXXX XXXX account has been PAID IN FULL, i sent Equifax 2 letters that states above, XXXX and XXXX has remove the above agency but Equifax removed it only to add this collection agency back on my credit report. I written Equifax about this matter and submitted the CASH CHECK and LETTER to XXXX XXXX XXXX to prove the check was cash with the information stating i wanted XXXX XXXX remove from my credit report, only for Equifax to unfair add it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Closed my account suddenly i dunno why and when i called the closure team no body gives information or the reason why closed the account they are very very rude in answering and i dont have information why they closed the account even they closed my creditcard and took my cash reward which was about 1300 $ and when i asked them to give me that redemption they said its bank policy they take my cash reward, I want to reopen bank account with them as i have many of my buissiness partners on bank of america so its easier in the transaction what can i make to reopen the bank account again.Thanks

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 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of American violated Federal rules when they placed a 10 day hold on a ATM deposit of Cashiers check {$4600.00} that I had drawn from my XXXX locally down the street. After calling them multiple times and visiting the branch 3 times on my trip out of state. They decided they can just do what they please even after I pointed out to employees and supervisors that they were violating FDIC rules on clearing bank deposits. Their actions caused me to be late with my mortgage payment which I transfer every month through the branch. The hold did not qualify under the exception rules at all and they were told that and still kept the hold in place long after the cashiers check cleared. I want some sort of sanctions or formal reprimand placed against B of A for not following the rules and I should be given both an apology and some sort of monetary compensation for damaging my payment record with my lender and causing me to drive 3 hours 3 times out of state to the nearest B of A while I was on vacation to try to handle the problem. I had to pull out over {$4000.00} more from another bank causing me extra fees and charges just to make my mortgage payment which was late because of their hold.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I disputed inquiries that were not made by me however I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is in regards to a credit card account from 17 years ago that is now ( in the last couple of months ) being used by a XXXX/XXXX, as assignee of XXXX, assignee of Bank of America, in an attempt to garnish my wages for {$18000.00}. This debt has not been reported for the last 16 years and I have been unaware of it, thus unable to address it. My credit card was stolen and I thought my account was closed - This should be in the Bank of America Records. I also have had 2 accounts with Bank of America since XXXX and have never been notified of any issues. However what I know now after researching, that the account was actually charged and sold though I was making payments on the remain balance in XXXX, then a couple months later Bank of America filed a court case against me ( in XXXX ) in XXXX. However when I contacted Bank of America ( even today XXXX ), recovery department is saying they never filed against me and the account has a XXXX balance. Furthermore there are several other issues regarding this situation including Bank of America 's association with XXXX who filed hundreds of thousands of fraudulent lawsuits on behalf of Bank of America - " Operating Automated Debt-Collection Lawsuit Factory ''. XXXX who have been investigated for embezzling more than {$1.00} XXXX from XXXX. And now a XXXX ( aka XXXX or XXXX ) who have been sitting on the debt and/or going against the Fair Credit Reporting Act which provides the right for me as a consumer to have my credit information to be correct, and also trying to collect debt greater than owed. I would appreciate Bank of America 's help in notify, intervene, and rectify the issue with XXXX/XXXX who is using Bank of America 's mistakes against me.

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After multiple letters sent to Equifax credit bureu hard inquiries and accounts are still showing please help remove from my credit report. 
The following inquiries were not approved by me and I do n't have accounts with them : XXXX The following accounts should be deleted : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Account name : XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX. Account number:XXXX Account name : XXXX . Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX XXXX XXXX . Account number : XXXX Account name : XXXX XXXX XXXX . Account number : XXXX Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX. Account number : XXXXAccount Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX . Account name : XXXX Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX

Company response to consumer: Closed with explanation