vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX with XXXX stating an account had been opened in my name. He called to verify that I opened the account. I explained that I had not opened an account nor applied for any accounts with American Express. I asked for the information on the application so I could file a police report. XXXX stated he could not provide any information. I asked to speak with a manager and XXXX stated none were available. I explained that I would file with the proper regulatory agencies if this information was not provided. XXXX stated a manager would call back with 24 hours. No manager ever called back. 

On XX/XX/XXXX I called ( XXXX ) XXXX and spoke was XXXX. He acknowledged there was a request to speak with a manager or the person who could give me the information needed to complete a police report. He acknowledged no one had ever called me back. XXXX specifically stated, " Nobody can give you the information over the phone. A manager can not help you. '' I asked to speak with a manager and was transferred to XXXX who identified himself as a manager. I explained the situation and requested the information to complete a police report. I explained that every other bank with whom this situation has happened, provided the data required to complete police report.. XXXX stated , " A letter has been dispatched. '' When I asked for the date of the letter, he refused to give it to me. He stated, " I 'm sorry I can not disclose any information. '' Having dealt with identity theft for the past three years, every institution has supplied the information over the phone, except for one. They were investigated by federal agencies for failing to do so. I explained to XXXX that I would open investigations if I did not receive the information needed to complete a police report. He refused to provide the information. 
. It is being noted that American Express failed to provide any information so a police report can be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: ACS Education Services
State: CA

Complaint narrative:
I XXXX my husband and then. my daughter got incredibly ill- during that time my student loans got sold to what I believe is a XXXX  subsidiary. I asked my lender to adjust my payment amounts - I was not working full time nor much at all as I was at hospital with my family - I offered documentation and was told that if I did not pay the amount ( over $ 1000/month ) I would default. I explained that my income had dropped substantially and that I worked in public health - so already was not really making much money - and offered to pay several hundred dollars a month as a good faith payment. They refused. I finally took a forebearance - they told me there was not other option. I understood that this would interrupt making 120 payments in a row but had no other option. I was told the forebearance - and interest accrued -would cover the missed payments in XX/XX/XXXX- yet they still appear on my credit report as red marks. Similarly- I tried again to get a smaller payment per month in XX/XX/XXXX -  was told it was not possible - got another forebearance and this time there was an error in the report- but the loan company never told me that nor responded to my many inquiries about the status of that forebearance ( again a late mark on my credit report for a month I am now being charged interest on ). I just found out that as someone working in public health and also as someone who wanted to pay her loan a lesser amount- my lender and its servicer where required to work with me - I believe they had me take the most expensive and the option that profited them the most- rather than helping me pay my loan at a lesser monthly amount while I was undergoing incredible duress ( again - all documented medical, lowered income, paper trail on the communication with the loan people )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX I paid down half my balance on my XXXX card ( I made on time monthly payments ). They reduced my credit card limit down to the amount I still owed. I contacted them about it and they blamed my credit score. 
I paid off the remaining balance on XXXX XXXX, 2017 and they closed my account! XXXX credit card is owned by XXXX XXXX. When I read complaints online, they are known for reducing/ cancelling people 's accounts when balances are paid off, even people with excellent credit. This reduction/closing hurts people 's credit scores. While my score is n't good, making on time payments and paying off the balance was supposed to be the right actions to help build 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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
credit inquires over 90 days still on the on, some go back toXX/XX/XXXX,XX/XX/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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
credit inquires over 90 days still on the on, some go back to XX/XX/XXXX,XX/XX/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 2017-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have an issue with this account with Portfolio, I requested validation, payment history, signed contract etc. I received a letter with a couple statements which I reviewed but does n't validate this account at all. From what I have taken from the information sent in XXXX something was purchased for XXXX nothing received for Decor XXXX 2013, then a statement in XXXX given that tells me no payment was made and min due is {$410.00} then a statement in XXXX same data no information, nothing paid, XXXX the same nothing paid, XXXX same, nothing in XXXX then XXXX min due XXXX and same in XXXX. I would like to review the signed contract with XXXX, was any payments made on this account? I do not feel this is validation. I took it upon myself as this account which is an error to try to just settle this so it is not hurting my credit and was denied. I do not agree with the data given and where is the proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Henley, Lotterhos & Henley, PLLC
State: MS

Complaint narrative:
XXXX account collection by attorney was NOT mine. I provided my XXXX credit card not the same as the attorney had shown on the record but I was still given DEFAULT JUDGEMENT by court. I was NEVER summoned to date of court. Happen under a year ago in XXXX XXXX XXXX MISSISSIPPI. Approximately + {$1500.00} was XXXX out of my DAD 's account to make matters worst. Where were you earlier. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXX, 2017 I attempted to get my free annual credit reports online. Transunion kept trying to sell me my credit score, which I did not want. They kept asking me for information to " confirm '' my identity. Eventually I did receive my free credit report, however upon accessing my XXXX XXXX  account I discovered Transunion had, without my approval, charged my account {$19.00}. Upon checking I could not discover what service I was being charged for except it was monthly. I was unable to contact Transunion either by phone or email. I immediately contacted my bank and this charge is currently under dispute, but that is no help for me as I live on a small pension and need the money for things such as groceries. 

I had a similar experience with XXXX except they did not charge me anything. In my opinion none of the three credit reporting agencies should be allowed this kind of misleading conduct. Transunion 's site was just plain deceptive as each of the pages of information they required clearly was labeled " free credit report '' and, all three of the agencies kept trying to sell me my credit score, because a lot of the time the word " score '' was substituted instead of " report '', and one just had to be alert for the substitution. XXXX was very persistent in trying to sign me up for additional services, however they finally gave up and informed me I would have to request my free credit report by mail along with two copies of something which I have forgotten. I never gave any of these agencies ownership of my personal information, and they badly need tighter regulation, but probably will not happen in my lifetime.

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 2017-09-25 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: IL

Complaint narrative:
I mailed a dispute to Equifax on XXXX XXXX requesting an investigation and removal of a charged-off XXXX XXXX Account ending in XXXX, I have yet the results. Equifax has failed to comply with the FRCA 30 day requirements and as such I request the account be removed immediately from my tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
There are XXXX issues here. 

XXXX. I am trying to closeout my mortgage ( Bayview ). I have XXXX more payment left to pay. The mortgage company just sent me an escrow statement saying what my new payment will be in XX/XX/XXXX. My last payment should be next month. I have my house on the market to be sold. I need clarification. I tried numerous times to call but I never could get through to address this issue. 

XXXX. About XXXX years ago XXXX XXXX changed my address of the property. The mortgage company still has the old address ( XXXX XXXX XXXX XXXX noted on my mortgage documents. I received the formal documents of the change address XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and sent those formal documents to the mortgage company ( Bayview ). They have yet to change the address to the new address XXXX XXXX XXXX XXXX XXXX in my mortgage documents. I need them to make that change to receive the correct Deed of the property. I sent the formal document electronically to the mortgage ( Bayview ) company weeks ago. Before I submitted the document, I called a told XXXX of their representatives what the issue was. Nothing has been done to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: SC

Complaint narrative:
I have a XXXX XXXX with a name that is similar to mines and XXXX XXXX XXXX that is XXXX number off from mines. After examining my credit report, our identity is being mixed. Her name address and social was popping up under my credit and her name was listed as an " XXXX. '' I 've called and written letters and the issue is still ongoing. Many of the hard inquiries on my credit does n't belong to me. Working in law enforcement requires my credit to be decent and this has tremendously lowered my scores. Not only that, it 's hard for me to do many things including my credit and I ca n't because of the mix up. Thanks for your time and concern. 

Sincerely, 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 2017-09-25 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: TX

Complaint narrative:
On about the XX/XX/XXXX, I complaint another submission to Experian on XXXX XXXX- this company has reported that i had one month of service in XX/XX/XXXX and XX/XX/XXXX which, I had service with XXXX XXXX and no service due to ( XX/XX/XXXX -XX/XX/XXXX ) to I rent a room on ____. This company continues to slam me with services not rendered and Experian is fully aware by previous complaints but, Experian refuses to remove the inaccurate information on my report.This company is aware of false reporting but, Experian is allowing them to proceed with this information to hurt my credit because, I am a XXXX XXXX XXXX XXXX XXXX and depend on grad plus loans to continue my education. Experian and XXXX are know harassing me to the point of filing a legal suit. I am aware Experian is a business that recieves funds on reporting from XXXX XXXX but, I have asked them to raise above and conduct an investigation. It 's not right or fair for a company to be bias with reporting or other look companies that are violating the law or other ethical condition. I will be filing this with the Texas Attorney General and other federal agencies because, Experian has a duty to uphold and it 's not happening. XXXX is getting away with false and fraud reporting -- ONE MONTH OF SERVice in XX/XX/XXXX and XX/XX/XXXX Experians is turning their heads to ethical issues that makes equal to the same submission..

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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I find mistakes in my credit report and would like to dispute inaccurate information in my credit report about XXXX XXXX with Wells Fargo Bank for an Auto Loan of {$10.00}, XXXX + that appeared that I owe double what I really owe and it surely affected my XXXX XXXX from XXXX ( Excellent ) to XXXX ( Good ). 

Thank you and hoping for your kind consideration on 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 non-monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Saturday, XXXX XXXX, XXXX, I attempted to deposit {$40.00} in cash to an ATM at the XXXX XXXX XXXX Wells Fargo in XXXX, NC. The ATM accepted my money, closed the deposit slot, then malfunctioned. The message on the screen stated that the ATM could not process my transaction. The money was not credited to my account, and the machine did not return my money. 

I called the customer service line immediately to file a claim. The person who assisted me was rude and did not seem to want to help. She told me she filed a claim, but did n't actually complete all of the information. On Wednesday, XXXX XXXX, the agent 's supervisor called me and told me they had not started to investigate my problem yet. Finally, the claim was filed, XXXX days AFTER I reported the incident. I believe the bank should incur a penalty for not starting the investigation immediately. 

On XXXX/XXXX/XXXX I called the branch where the incident happened. They said they could not help me. I called the claims department of Wells Fargo again, and they told that they are crediting my account. I will believe it when I see it. They also claim that they have 10 days to investigate. I am not sure why it takes so long to correct a machine malfunction. I am also not sure why the bank is refusing to pay me interest on the money that they kept without my permission for XXXX calendar days. Every single person I dealt with treated me like a nuisance instead of a customer. 

I have spent an incredible amount of time trying to get this problem resolved. I have been lied to, dismissed, disrespected, and treated like trash. I did n't do anything to create this issue, and I do n't understand why the bank could n't even apologize for causing me so many headaches. As of now, I still do not have the money back.

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 2017-09-25 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: Diversified Consultants, Inc.
State: WI

Complaint narrative:
I contacted Diversified Consultants my mail XXXX XXXX, 2017 asking them to validate/verify 2 accounts listed on my credit report, one for XXXX for {$97.00} and the other for XXXX for {$1700.00}. My letter asked them to validate/verify that they have a contract with my signature to show that I owe them. Their response was sending me identity theft paperwork. This is not what I requested. If they ca n't provide me this information by law these accounts must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent written disputes out but also wanted to advise and request for help. There was just a tax lien added on my personal credit file stating I owe the IRS 130k which is 120 % inaccurate. I want this inaccurate information removed off of my credit file ASAP. How does the credit agencies obtain there information? Do they verify such inaccurate information with the IRS? How can the a credit reporting agency add information to a consumers credit file without validating it first? I do not owe anything to the IRS and that is CONFIRMED.

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 2017-09-25 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: HI

Complaint narrative:
My loan servicer, the Pennsylvania Higher Education Authority ( PHEA ),  will not approve my request to change to an Income Driven Repayment Plan, even though I have submitted all the required documentation. They have also rejected my request to receive public service loan forgiveness credit for a 17-month period of qualifying employment, even though I have submitted the required paperwork more than once. 

On XXXX XXXX XXXX, I submitted the required forms for changing my loan repayment plan via certified mail. As required, I included a copy of my most recent federal income tax return. 

I still had n't heard anything by XXXX XXXX XXXX, so on that date, I contacted PHEA via phone. I spoke with PHEA Employee XXXX, employee ID # XXXX at approx. XXXX. ( Hawaii Standard Time ). She stated that my income-driven repayment ( IDR ) request was still pending because we receive hundreds of thousands of forms a day and two weeks was not enough time to process my IDR request. Instead, she said it would take 1-2 months or 1-2 billing cycles in order to process the request. This surprised me. I told her that she had not been helpful, but that it did n't sound like she could be helpful, and then I ended the conversation. 

The very next day, PHEA sent me a letter stating that they could not process my IDR request because they had not received a copy of my federal income tax return. Because I actually had submitted a copy of my income tax return, their stated reason did n't seem credible. Rather, it seemed like a reprisal for complaining about slow processing time. 

I have another, separate problem with PHEA. I was employed as a XXXX XXXX for the XXXX XXXX XXXX for a 17-month period in 2013-2014. This counts as qualifying employment for loan forgiveness purposes. Accordingly, I submitted the required forms, signed by my previous employer, in order to receive credit for this period of public service. PHEA continues to reject my application for service credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent written disputes out but also wanted to advise and request for help. There was just a tax lien added on my personal credit file stating I owe the IRS 130k which is 120 % inaccurate. I want this inaccurate information removed off of my credit file ASAP. How does the credit agencies obtain there information? Do they verify such inaccurate information with the IRS? How can the a credit reporting agency add information to a consumers credit file without validating it first? I do not owe anything to the IRS and that is CONFIRMED.

Company response to consumer: Closed with non-monetary relief