vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-24 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 have been disputing the consumer credit reporting agency, Experian for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to Experian. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that Experian added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX/XXXX all XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. My last certified letter that I sent Experian was on XXXX XXXX, 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to 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 non-monetary relief
Consumer complaint received 2017-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a few accounts with Synchrony and my Walmart card, amazon card, 76 cars and a few other accounts without notice have had my credit limit decreased for no resin at all. I have made my payments on my accounts and they did this. 
I 'm dealing with my husband since he is severely sick with XXXX XXXX XXXX computer and this has put additional stress on me when I have tried my hardest to keep all my accounts current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Account was paid in full ; however, XXXX XXXX/XXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.

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 2017-09-24 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: MD

Complaint narrative:
Account was paid in full ; however, XXXX XXXXXXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24 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: Ditech Financial LLC
State: NY

Complaint narrative:
InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After the Equifax data breach the company offered protective services via TrusdtedID. I 've contacted both companies to have the Equifax-sponsored services by TrustedID stopped, to no avail. Please have them remove my information from their files and disenroll me from all of TrustedID services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Account was paid ; however, tradeline have n't been removed by Midland Credit Mgmt Inc and XXXX XXXX XXXX according to our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Shame on cfpb you did n't do anything monster SLS will Auctiin my home they never tryed to work out anything without attempts to help they sent my account to collection and they gave us 30 days to either pay {$XXXX} XXXX or they will Auction our home this is a shame embarrassment my husband was laid off ghen government shut down his school the stress put his health in great danger and myself i was diagnost with XXXX XXXX what 's going to happen to my XXXX with everything keeps happening all I need is to become home less we are waiting for his social security to come through government casss takes time XXXX SLS did n't do anything so many program they Justi want to take our home.
So when some one put in a difficult times or put on financial difficulty which caused by employer fact is there is no help government do n't care and all of these bank regulation and programs for mortgage assistance are just a joke I need help now Monster SLS is selling my home i need help

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 2017-09-24 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: MD

Complaint narrative:
Account was paid ; however, tradeline have n't been removed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX according to our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24 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: CIT BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX the property was purchased for $ XXXX and inXX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXXa $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: GREAT LAKES
State: OR

Complaint narrative:
I am on income driven repayment plan, and is set for autopay. During this period I would make excess payment hoping it will be applied to my principal, but instead my provider kept on pushing the due date. Right now I am on paid ahead status according to them. When this came to my attention I tried contacting themseveral times through email requesting them to reallocate my excess payment to my principal with the highest interest instead of pushing my due date. They wo n't do it stating the payment has already been applied even though I do n't see any changes on my principal. I want CFPB help me resolve this issue. I feel I have the right to make the decision where my money is applied. Great lakes is my provider

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: LA

Complaint narrative:
Hello, I have been notified by equifax that my information might 've been compromised by the recent hack on Equifax. I 've contacted Equifax twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with Equifax. 
Equifax apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. 

Kindest regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: LA

Complaint narrative:
Hello, I have been notified by XXXX that my information might 've been compromised by the recent hack on XXXX. I 've contacted XXXX twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with XXXX. 
XXXX apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. 

Kindest regards, 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 2017-09-24 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Hello, I have been notified by XXXX that my information might 've been compromised by the recent hack on XXXX. I 've contacted XXXX twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with XXXX. 
XXXX apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. 

Kindest regards, 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 2017-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Ok first off I was never welcome into the branch managers office the first visit. I was told I could view a copy of what was acceptable but that 's it only a offer. Further more I did not go to another pnc branch that day nor any other day. This clearly shows fault into your investigation that I believe never really took place. I was very much so discriminated against even brought to tears due to your branch manager or vice president of that branchs harsh judgement and humiliation felt in front of my child. I never lost my temper inside branch location only briefly while talking over phone with your customer service rep. This has not resolved our dispute in no way since I had to read your final report here and the letter you mailed me with check for XXXX $ only said sincerely with no kind of remorse or apology. Upon reading this I want PNC to know im taking my newly found inheritance wealth of at least {$190000.00} and will use a large portion to seek council in order to not only make PNC take responsibility but also now because you blatantly right out lied on me in order to make me out to be the one in the wrong. Further more how can a XXXX 's gift card with my name on it Trump a  employee issued ID from XXXX XXXX. It cant PNC is at fault here and unless you resolve this issue very quickly in the amount no less then {$10000.00} for my daughter and I pain and suffering needlessly inflicted by your leadership members located at the XXXX branch. I will have no other choice but to continue forward with all proceedings. I hope for PNC state you take heed to my demands for this is not a threat but a promise. Today marks the day PNC thought they could mistreat abuse and under estimate a once potential customer but we 're showed in the wrong. My case is strong and my words hold truth. PNC on the other hand lies repeatedly only to deceive themselves into the snares they opened. I pray you make the right decisions and believe the words I have spoken to you on this day for my attorneys will not be as forgiven. Oh and I 'm not cashing your insult to injury {$10.00} check the envelope along with one word letter and check have been filed on my behalf to show the incompetent PNC and failed attempt at bringing this issue to a close. See you in court if I do not hear your response in a way that rings Justice has been served to my satisfaction. Oh and the branch manager you blindly place trust in should not be allowed to work in such a position to place judgements on people making their life burden while that person is dealing with the loss of a love one. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Customer service at XXXX XXXX onXX/XX/XXXX is extremely rude and should be fired. They can not even answer a simple question. System is down, I paid for online service and not receiving it. They should offer a discount or credit, for not contractually filling online service contract, and being a fraud.

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 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax - Data Breaching My personal information is at Web for selling - according XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
InXX/XX/XXXX2017, I made a purchase with my credit card at Kohl 's depart store in XXXX DE. Vacation travel had me stuck in Florida during Hurricane XXXX for the first week XX/XX/XXXXso when I returned home I realized my bill. I immediately phoned Koh*s and satisfied my minimum payment. I received a late fee forgiveness for the two day late payment. At least that is what the representative assured me. Whn I receive this months bill forXX/XX/XXXX the balance with credits do not reflect the late fee retracted. the balance of {$130.00} minus my credits of XXXX should leave a remaining balance of {$10.00} added to the onlyXX/XX/XXXX purchase of XXXX, giving me a balance owed of {$45.00}. Instead Kohls has my ending balance as XXXX  again for the month of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
When my account was first taken over by some random man in Washington State using my ID they just let it happen. So when all of my online account info was changed, obviously it was a little hard to manage since I cant go into branch without id or debit. But I cant seem to keep a debit card because they keep sending it to the id their!!! Ive called so many times and now Ive completely lost track of the only account I own to pay my kids rent. Ive requested a new account but they will not budge or even try to accommodate the fact that I have XXXX kids, full time XXXX XXXX and now apparently ANOTHER full time job trying to RE-make money from my own accounts. Thanks for being so safe, Chase.  Hopefully this finds you alright considering its not from the email address you have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a checking acct for 3 years with b of a and had my paychecks direct deposited into this acct. This past year I helped my ex open an acct, and found out that i was co-owner of the acct. I went to the bank and tried to get my name off of this acct, when we broke up. they refused, since then my ex has been depositing bad checks and the bank took my money from my personal acct, and transfered it into this acct. the bank took all of my money.

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 2017-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Can you please ask Citi Bank to close my account for XXXX XXXX XXXX XXXX thank you 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 2017-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Disputes on this card not resolved by the bank for over 12 months and very poor communication. 

XXXX XXXX XXXX staff are useless and please close this card and issue me a full refund on credit balance and disputes

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 2017-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have n't received a credit card statement in the mail in months until today, the statement had a charge of {$1.00} due to interest charge, after inquiring I found that last month there was a {$69.00} charge due to annual membership. I always pay all my accounts on time and in full every month. When I called and asked to close the account and a refund for the annual fee, the person told me that since the charge was 30 days old, it ca n't be refunded. I explained that I did n't receive the corresponding statement last month and he said that in that case it was a bank error and that it could be refunded, but since there was not a returned mail he could not do anything. Again, I have not received a statement in months until yesterday, if I had I would have called earlier to close the account since I do n't use the card. 
I requested to close the account and a refund for the annual fee and any interest charged. They closed the account but refuse to reimburse the annual fee. 
Also, independent of the error of not sending me a statement, this fee is for membership for the coming year. It is an abuse from the credit card company not to issue a refund ( even partial ) when a customer closes the account, especially at the beginning of the period.

Company response to consumer: Closed with monetary relief