vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 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: UT

Complaint narrative:
I have never been late on my  XXXX  accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit 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 2017-05-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX i visited XXXX XXXX in XXXX Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total of 11 times. Which drastically lowered my credit score! Reading FCRA it states automobile inqiries within a 14 day period shall count as 1. XXXX, XXXX  and eqifax are all reporting each individual inquiry, which in turn harmed my credit score. I have already filed complaint against the dealership for going against my wishes. The time between XX/XX/XXXX to XX/XX/XXXX my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America,  N.A., Fraudulent collection and foreclosure practices on secured property. BANK OF AMERICA HA S NO LEGAL STANDING AS THE LOAN WAS WENT COUNTRY WIDE HOME LOANS and PAID OFF.     In a hasten attempt to remove liability, with letter dated  XXXX   XXXX ,    2017, B ank of America has purportedly transferred an allege account via Media, Wire or Federal Mail System to   XXXX   XXXX   XXXX   XXXX   to prevent liability.     In addition, hired a Third-Party Attorney ESQ, Without Standing / Interest and without first-hand knowledge named  XXXX   XXXX , "  XXXX   XXXX  now enjoined with Bank of America,  N.A.  at  XXXX  Email :  XXXX  XXXX  XXXX  on  XXXX   XXXX ,  2017    committed Trespass on Secured property under perfected interest and filing #  XXXX  and  XXXX , and  XXXX  associated with  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  WA  XXXX . In conjunction with no real presentment of the Original Note but in fact alleged copies of a Note.     A  Request is  now being made to meet to review said Original Documents f rom Country-Wide Home l oans that was not sold.     In pursuant to now possible Securities fraud etc. per information obtained from  XXXX   XXXX   ESQ.      DUE NOTICE IS HEREBY GIVEN, There is now a claim for COPYRIGHTS Infringement validations from  XXXX   XXXX  enjoined with  XXXX   XXXX  enjoined with Bank of America N.A. who has sent multiple letters based on this CFPB report. Each violation brings at a minimum  500.000.00  per incident/violation. All methods to protect Secured interest is now in effect due to "   Trespass '' pursuant to Uniform Commercial Code.
Request in person meeting here in Washington State   with Bank of America and its held liable agents with affidavit all documents that were allegedly not filed such as " any ''  1009 e tc. and first hand knowledge.     This is an attempt to resolve through clarity of appropriate documentation.

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 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian refuses to remove disputed addresses, including addresses in other states that I have never lived in and addresses that do n't exist, are spelled incorrectly and belong only to relatives.

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 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX  refuses to remove disputed addresses, including addresses in other states that I have never lived in and addresses that do n't exist, are spelled incorrectly and belong only to relatives.

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 2017-05-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, Equifax is allowing an inaccurate reporting on the  XXXX  account in my credit file. The balance on this account is {$3400.00}. This account was charged off. This account also was cancelled/forgiven by sending the IRS and myself a  XXXX  in  XXXX  with an identifiable event code G, the decision or policy to discontinue collection. Equifax allowing  XXXX  to verify this balance on my report is a form of "  Collection  ''. After cancelling/forgiving this debt the balance should be then updated to {$0.00}. This is a failure to timely update the credit report required under FCR A 623 ( a ) ( 2 ).  Included a have a formal copy of my    XXXX   XXXX   from   XXXX  with all supporting info that this debt was cancelled/ forgiven/ extinguished. Also included is a copy of my drivers license and social security card for identity verification. This was last disputed with Equifax on  XXXX / XXXX / XXXX  via case number  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since  XXXX . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a  XXXX    XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief 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 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since   XXXX  . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a   XXXX   XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: PA

Complaint narrative:
Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since   XXXX    . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a   XXXX   XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief 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 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
UPDATE -- THIS IS REVISED COMPLAINT -  XXXX  Subsequent to my filing the first complaint, there are  2 n ew facts.     Previous complaint -- I have  XXXX   Capital One  credit cards. We transferred {$11000.00} to the older card, called  Capital One t o state it was in error. We then transferred same amount to  Venture Card . Capit al One ca lled use about a fraud alert and somehow both cards kept this transfer. We paid off  Venture but Older Capital One has charged us {$210.00} interest on this amount and inte rest is still accruing. We have paid off the other charges on time in full.     Today,  XXXX  provided a letter that states that  Capital One ref used a {$11000.00} wire on   XXXX   XXXX  , and has not cashed a certified check sent on   XXXX   XXXX  .  Capital One provided the wrong address evidently but the venue that received the check has not forwarded the check internally.      We have spent hours trying to get this resolved.     Today a supervisor told me that they could not waive the interest even though they have refused  2  payments prior to the first payment deadline after which they charged us this interest.     We have asked  XXXX  to cancel the check and deposit such funds in our   XXXX    checking account and then pay the e Capital One  Card. This was not rocket science to fix. I dont get it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: NC

Complaint narrative:
I am writing this complaint due to Experian not responding properly with my request to have credit inquiries removed and certain accounts on my report that I do not have a contract with nor can they provide proper documentation that they accounts belong to me. I did not authorize these inquiries and they are still showing up  on my report as well as the accounts and I have tried to dispute this over 3 times. I get the same response a few days later. Which further tells me that they have not verified these inquiries or account and keep sending me a generic response. I have recently submitted another dispute and if this complaint does not work I will be submitting a complaint to the BBB as  well as contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someones credit or adding accounts to their report is for a firm offer of credit, insurance, employment or court order, or if the account has been proven with contract to be mine.

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 2017-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Spoke several times with Bank of America  employee :   XXXX   XXXX   Resolution Specialist  Regulatory Complaints  XXXX  She did not honor her agreement regarding  XXXX  accounts. No response to phone call.

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 2017-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have had a private loan w ith Navient  since approx.  XXXX  and in the time that I have had this loan, I have attempted at least a dozen times if not more to get them to refinance the loan from the current interest of 11.00 % to something less, and have been told they can not refinance or change my loan since they do n't offer the loan type anymore. I have attempted several times after making the necessa ry 12-24  months of on time full payments to have the co signer removed, to which I was told everything from its a simple phone call in to its paperwork, credit check, and we do n't guarantee we will do it. I have asked them on several occasions if there were other options available to me on the account, and they have told me that I had to pay the amount on the account every month without fail. I was paying over {$250.00} a month, and less than 50 % of that went onto the balance each month, with interest paid on the loan at almost $ 1200 yearly. I was going to end up paying approximately 4 times what I owed on my loan over the life of the loan.     In  XXXX  of  XXXX  I called into navient and had them remove my cell phone number as I was receiving  2-3 calls an hour almost every hour every single day. I had  blocked about  XXXX  numbers at this point and instructed them to remove mine and my co-signers numbers. I received a letter on  XXXX  for " litigation '' and it was dated  XXXX  with a printed signature from their " VP ''. I checked the date on the  XXXX   tracking,  and it was sent to me on  XXXX  and only gave me from the time I received  it 48  hours to try to correct the issue. They have since continued to post things to my account.     As of yesterday  XXXX   Navient had  no official way to contact me. As of this morning  XXXX , my wife received a robo call from  Navient. I have never given Navient  this information, and this is a  private cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: NC

Complaint narrative:
On  XXXX   XXXX  i visited  XXXX   XXXX  in  XXXX  Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total  of   XXXX   times. Which drastically lowered my credit score ! Reading FCRA it states automobile inqiries within a 14 day period shall count as  1.   XXXX , TransUnion and   XXXX   are all reporting each individual inquiry, which in turn harmed m y credit score. I ha ve already filed complaint against the dealership for going against my wishes. The time between  XXXX   XXXX  to  XXXX   XXXX  my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to 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 2017-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
In  XXXX  of    2016  my husbands position at work was cut and he was out of work without pay for almost 3 months.  XXXX  of my positions at work was cut back so my pay decreased as well.   We fell behind on payments trying to pay everything at least every other month. Ended up having a car repossed so we had to pay more to get it back. Got behind on Mortgage and was told an amount we could pay to get it out of default I was about {$700.00} short due to car repairs and they sent back our money. We tried to apply for a loan modification but were told since we did  XXXX  that went into effect in  XXXX  of    2016  after house/well repairs caused us to get behind. Started the plan in  XXXX  but that was a trial period so not truly in effect until  XXXX . Tried working with  XXXX  to get modification and was told the same thing by the company. House in active foreclosure with no sale date and the company told me only way to save is to pay full amount that we are behind. We keep sending in payments but they send them 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 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I received a notification that there was a new collection added to my   XXXX    credit report. When I went into my account there was a collection from CCS Collections in the amount of {$680.00}. The date reported was  XXXX / XXXX /  XXXX   and the date assigned was  XXXX / XXXX /  XXXX  . This is the only information I have regarding this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
we received a bill from  Harvard  collection services inc, I was not aware that i owed these doctors. original amt.  XXXX  settlement amt.  XXXX  then offer was made  XXXX  if paid on the phone. i had bad experience on dealings on the phone so i offered to pay by check, cashiers ck, or money order. at that time i was told that if i had concerns about paying on the i could pay on the phone and then close out my acct. then they said i could pay by ck. but amt would be  XXXX  to me this made no sense at all. this is what brought me to this point in time. the closing the acct. was so far off the wall i really became concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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:
There is  a Tax Lien on my  Equifax report that was previously removed and put back on.  XXXX   XXXX  and   XXXX   have already removed it but for some reason Equifax has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX , TransUnion, and   XXXX   the  XXXX  credit reporting agencies have failed to remove after three letters from myself to remove Unverified information from my consumer file.  XXXX   XXXX   XXXX   XXXX   XXXX . This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Sect ion 616 and Section 617.

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 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX ,   XXXX   and Equifax the  XXXX  credit reporting agencies have failed to remove after  three  letters from myself to remove Unverified information from my consumer fi le. (   XXXX   XXXX   XXXX  ). This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Sectio n 616 and Section 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been in repayment f or 11 years. This company has consistently mis-applied payments which requires me to call and argue with them for 1-2 hours every 1-3 months to get them to fix how the payments were applied. They may  have changed their name from  XXXX  to Navient, but they have not changed their harassing procedures.

Company response to consumer: Closed with explanation