vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-14 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: AES/PHEAA
State: TX

Complaint narrative:
Account was granted retroactive forbearance that covered these time periods. I notified FEDLOAN to adhere to FCRA Secti on 623 ( a ) ( 2 )  in  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: TX

Complaint narrative:
Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA  Section 623 ( a ) ( 2 )  in  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.

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 2017-06-14 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: TX

Complaint narrative:
Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA Se ction 623 ( a ) ( 2 ) i n  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA Se ction 623 ( a ) ( 2 ) i n  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.

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 2017-06-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has fraudulently capitalized on their error of misapplied funds, unaccounted funds, funds received but not applied, including inordinate delay of funds to fraudulently and deceptively  : ( 1 )   misapplied funds and took an inordinate time to restore ( 1 month 8 day  ) ( 2 ) l ost payments, payments not reflected on ledger  ( 3 ) m anipulated account ending in  XXXX   ( 4 )  cancelled a repayment agreement (  5 ) c reate and conduct a fraudulent escrow a udit ( 6 ) in tervened and paid the  XXXX  property taxes without prior notific ation ( 7 )  has fraudulently cited a  XXXX  Bank of America document as notification to pay property taxes  ( 8 ) ignored my concerns and violated my rights as a consumer ( 9 ) transferred my loan to another servicing prov ider without addressing my concerns

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 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
Failure to properly validate and or comply with the terms that I requested presenting proper validation. I requested for validation not verification. But instead I was presented in the mail with an itemized bill. Please note that as per FTC opinion letter from  XXXX   XXXX   XXXX , you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlas Services, Inc.
State: IN

Complaint narrative:
I dispute d Atlas Co llections through   XXXX   XXXX   XXXX   XXXX   back in  XXXX   2017 . I 'm no longer obligated to pay the debt of {$910.00} since the original creditor (  XXXX   XXXX   XXXX   )  sold the debt, making the contract between me and  XXXX   XXXX   XXXX  invalid.     As the other  XXXX  credit bureaus removed the account,  XXXX  failed to, stating in their investigation results that " this item remained unchanged from our processing of your dispute in  XXXX   2017 . '' On  XXXX   XXXX  I pulled an updated  XXXX  report and it sho ws Atlas Collections  reports the account " closed '' as of  XXXX   XXXX ,  2017 .     I sent a letter to the collection agency on  XXXX   XXXX   2017  to remove the account from  XXXX , but they have n't contacted me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
disputed false information reported on my  XXXX  credit file, agency verified item as placed by   XXXX   XXXX   XXXX  .   this company placed false info on my file, made up a {$50.00} debt in an attempt to damage my credit. they never sent me a notice just put false info on credit file. i have no medical debt.   as a veteran i use va,  XXXX  and have supplemental insurance to cover all.   this must be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Fair Collections and Outsourcing  was sent a certified letter on  XXXX   XXXX  requesting validation of said debt. Letter was picked up at USPS on  XXXX   XXXX  at  XXXX , A final goodwill letter was sent on  XXXX   XXXX .     Fa  ir Collections and Outsourcing has failed to provide me any evidence. I have maintained a careful record of communication with them in which they have failed to respond within 30 days.
Fair Collections and Outsourcing are in violation of federal laws under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), the Fair Credit Reporting Act ( including but not limited to Section 623-b ) and the corresponding state laws.

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 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened the  XXXX   XXXX   XXXX  card in  XXXX   2017 . It came with a  XXXX    XXXX   points bonus for spending {$4000.00} in the first 3 months. I fulfilled this requirement in the first 30 days. The bonus points posted to a different   XXXX   account which was no t mine. American Express ign ored the   XXXX   account specified on my application and substituted it with a different number. I have contacte d American Express by  phone and spent cumulatively hours dealing with this, each time they assure me the problem will be corrected over the next business day  or two a nd it never gets fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-14 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: MO

Complaint narrative:
This company has continued to report inquiries in which some were removed and placed back on my credit report also there are old addresses on my credit report that were removed and placed back on. This is a violation of the Fair Credit Re porting Act Section 1681 b ( c ) and a serious breach of my privacy rights.

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 2017-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I was  denied a Synchrony BP Gas ca rd in  XXXX   XXXX . I applied a second time and they pulled multiple credit reports against my credit, The fraud department removed  XXXX  inquiry but would n't remove the other inquiries from  XXXX  and  XXXX  credi t Reports. Synchrony Bank had all   XXXX   credit bureaus notified that I committed fraud by applying for BP credit account. How can I commit fraud when it was me the consumer applying for credit? I still have fraud alerts on my credit reports with   XXXX   XXXX   XXXX   XXXX   to this day all because I asked them to remove those excessive credit pulls! It gets even better now that I provided some history with applying for BP Card with Synchrony Bank. Received an preapproval for BP Gas card via em ail around  XXXX   XXXX . Like a fool I applied again since I was preapproved. I ended up again getting declined. It gets even better. I received an letter from Synchrony Bank dated  XXXX   XXXX ,  XXXX . This letter stated that I was declined in error for BP Gas card I applied for back in  XXXX   XXXX . There was an attached letter stating all I had to do was sign the letter and send it in and I would received the card as long as it was sent in 30 days. I mailed letter twice because there was  XXXX  different post office box address for  XXXX  Florida where I was suppose to return the signed letter in order to receive my BP Gas Card, I have been a customer with this bank for many years. I currently  have a Walmart, Amazon and American Outfitters accounts with this bank, I find this banks behavior totally unprofessional and will be filing additional complaints.

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 2017-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
capit al one 360 has close d my checking account ending  XXXX  without giving me any reasons or communications. They also refuse to release the fund of {$3000.00} in that account, claiming that the originating bank of those fund has to pull those back, which is absurd and virtually not possible for me as a consumer to realize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am trying to submit my yearly documentation  to Navient for Public Service Loan Forgiveness. The only information on the Navient page directs customers to go to studentaid.gov to learn about PSLF. Once at the student aid page it explains what PSLF is and that you submit your yearly application to your loan servicer ( which would be navient ). Navient has an entire page for the documents you can upload from forbearance to income based repayment but there is NOTHING on where you can submit your PSLF documents. This makes it extremely difficult for public servants drowning in student debt to do our part in submitting the correct paperwork, and work toward debt relief after  10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have paid down these accounts :   XXXX   XXXX    XXXX   XXXX ,  XXXX  CREDIT CARD  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 2017-06-14 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: WA

Complaint narrative:
I have paid down these accounts : XXXX XXXX XXXX XXXX, XXXX CREDIT CARD XXXX, XXXX XXXX XXXX '',

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MEDICAL DATA SYSTEMS INC is t rying to collect a medical debt amount of {$520.00} and they have placed the debt on my credit report. I had a procedure done a  XXXX   XXXX   XXXX  and I have medical insurance and paid my deductible as well as a bill that arrived at my home. On  XXXX   XXXX ,    2017  I checked my credit report and see that MEDICAL DATA SY STEMS INC is trying to collect a debt I do not owe and they have placed this information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: SC

Complaint narrative:
The name of the credit card comp any is Citi, p hone number  XXXX . In  XXXX   XXXX  and  XXXX   XXXX  I had several phone conversations with them regarding charges for purchases that I did not make. They agreed that I should not be charged and, at my request, closed the account.     Then, on  XXXX   XXXX ,  XXXX , I received an email fro m Citi informin g me that I owed money on a card. Remember, my account had been closed in  XXXX , plus I never and do not have a card ending in the  four digit s shown on the email. I called immediately and was transferred twice and complained to  Citi about th is. Finally, a customer service rep put me on hold for an hour while he " checked into it ''. He said there was no one in the office that could help me at that time but he would call me back the next day. He never did.     Then on  XXXX   XXXX ,  XXXX , I received yet another email telling me that my charges have INCREASED TO {$97.00}. The amount of money is not the issue. The issue is this is fraud. If I pay it, what assurance do I have that they will not continue to charge me for more cards that I do not nor never did have?     I called  Citi a gain on  XXXX   XXXX ,  XXXX . They told me there was not even a record of my complaint regarding the  XXXX   XXXX ,  XXXX  email but that the " system '' indicated I owed money on this card I never had. Again, there was no one in the office that could help 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 2017-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stuart-Lippman and Associates, Inc
State: GA

Complaint narrative:
This account has been placed in my credit report and I have no knowledge of who or what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have no idea what they debt is and why it appears on my credit report from   XXXX   Reference Number  XXXX  Date Filed  XXXX  Classification Legal Item Type Judgment Responsibility Individual Plaintiff ASSET ACCEPTANCE LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  OF  XXXX  COURTHOUSE  XXXX , NY  XXXX  (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I got incorrect interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I applied for a home equity line   of credit ( HELOC ) with Wells Fargo. They currently are the company that holds the mortgage on my home. When asked in person and on-line about the purpose of the HELOC my answer was, home repair, debt consolidation and college tuition. I turned in all required paperwork in a timely fashion and also complied with their request of a copy of a written estimate for the home repair I was considering.
Once all paperwork was submitted, I received a call on   XXXX   XXXX   from the person assigned to my loan application that the application was denied. Her reason was, " you want to use the money for a repair to the foundation of the home '' that was not an acceptable reason for them. She then went into an explanation of how I could max out my credit cards to pay for the foundation work and then apply for a loan from Wells Fargo to " pay myself back '' for the cost of the home repairs. When you read all of the online and published literature from Wells Fargo about their HELOC products, never at anytime do they state that certain home maintenance or repair projects are not   acceptable.

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 2017-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have an account with a payday lender and they are not sending my transaction history slowly to my lending company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: VA

Complaint narrative:
I am trying to use an XXXX stipend to pay towards my loan. Fedloan has repeatedly refused to accept the payment. When they refuse the request, they leave a message stating that I do not have a loan with them. So I have called multiple times to resolve the issue. Once they denied that they had an XXXX administrator and on another occasion they stated that they did have an XXXX  administrator but that they had no way of transffering me to their XXXX administrator. They claim to not be receiving the payment requests however they are writing the " user does not have a loan with this institution '' messages and have accepted a prior payment of lesser value.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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 — Problem with personal statement of dispute
Company: AES/PHEAA
State: VA

Complaint narrative:
Opened a few investigations in negative credit reportin g of ninety da ys late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until  XXXX   XXXX ,  2017  ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until  XXXX  because I had no clue that I was in repayment until  XXXX . The statements were being sent to the  XXXX  University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all  XXXX  credit bureaus.     I could not have put my account on e-statements because I just created an account with fedloanservicing. org in  XXXX . The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My mortgage was sold to  Nationstar  recently from  XXXX . Immediately  Nationstar  began mishandling my loan. I immediately asked for an amortization schedule on my loan so I can compare with previous ones from  XXXX  to validate that my loan transferred correctly and no further mishandling could occur. A supervisor at Nationstar then provided me with a falsified report. I then move up the ladder to the current supervisor who has promised me an amortization schedule for well over a month. My  XXXX   XXXX  17  payment is now due and will soon be late, yet I still do not have anything that can assure me that  Nationstar  has transferred my loan correctly. I have a significant amount of emails to support my position.

Company response to consumer: Closed with explanation