vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 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: WA

Complaint narrative:
I have disputed 4 times to the bureaus about these collection accounts that they have categorized as " OTHER LOANS '' These accounts were never loans. I've never taken out a Title IV-D loan so this is a mistake on my report. Also, the accounts were NEVER delinquent so the statute of limitations on these accounts have lapsed and the bureaus will not remove them from my reports. The bureaus are also reporting errors that I proved to be in error and they are still showing and according to FCRA should be removed from my report because the error has not been fixed for over 92 days

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 2018-06-22 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: FL

Complaint narrative:
I do not remember authorized " XXXX XXXX '' to obtain a copy of my credit report. Please deleted this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: FL

Complaint narrative:
I have leased a vehicle in good faith from XXXX using XXXX XXXX XXXX. 

In XX/XX/2017 I acquired financial difficulties. In order to resolve those, I am working on reducing the cost of vehicle leasing. 

When I attempted to make the changes to my XXXX lease, I encountered unfair, deceptive, or abusive acts or practices on behalf of the XXXX XXXX : I can not obtain a transparent PAYOFF amount for my lease, like I have with my XXXX, whereas I log on to the website sign in to my account, and see it openly. 

With XXXX, I cant access that information on my secure XXXX Account, where I make payments etc. There is a statement that claims I have to go to the dealership to obtain the payoff. Instead I called, and got an outrageous number by which the original price of the vehicle would be ten to fifteen thousand dollars above the actual price. So I requested in writing an explanation from XXXX XXXX. They responded to my letter with a phone call, stating that in the State of Florida they can not disclose .... blah blah blah ... That is totally illogical, as I am the one in debt, and need to know my numbers. 

I am fighting XXXX for over two weeks, with calls and letters that get me nowhere.

Also, as I attempted to transfer my lease with one of the online companies, I learned that XXXX does not allow me to transfer in the last 12 months, ( I have 11 remaining ) which makes it brutal. 

So : I can not sell my vehicle to XXXX or XXXX since the " Payoff '' I received is illogical ( shy of {$36000.00} while the XXXX XXXX  value is in the {$29000.00} 's ) and seems arbitrary but no explanation of how XXXX reaches that number, while in an advertisement, XXXX offers me to take off all of the upside down number with discounts and bonuses, if I can get " hooked '' on another VWXXXX product. 

I am being subject of non transparent, abusive and unfair practices and wish to raise my voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Several transfers were made and we ended up with Nationstar Mortgage company. Spouse passed away suddenly XX/XX/XXXX and I continued to pay the mortgage installments until the property was sold in XXXX. The sale price was based on the monthly online statement received. There were also several advertisements offering to refinance the loan. The amount outstanding on those offers matched the online statements. It was not until the sales contract was prepared that another {$4900.00} ( deferred interest ) was tacked on. Because of this add-on, I had practically no " gain '' from the sale of the property. I believe this is unfair because it should have been included on everything I had received or viewed from Nationstar during the 2 year period I was paying the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Home Loans Services has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted BOA and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by Bank of America

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 2018-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
My mother is XXXX XXXX, and I've been trying to work with Select Port Folio my mortgage servicer to modify our mortgage and reduce the mortgage payment.

I'm being given a hard time with the process and they are unwilling to assist me.

I do want to keep our home. We do not want a catch up plan that will increase my monthly payments, please review mortgage and exercise the option to make a PMI claim if possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I had made calls in 2007 regarding the Public Service Loan Forgiveness program. I am a XXXX   with the XXXX XXXX XXXX  XXXX and have been working there for 18 years. I have dealt with Sallie Mae, Navient, XXXX XXXX and XXXX throughout the years. I was assured that I was in the right repayment program and that I did not need to complete or collect any paperwork until I reached my 120th payment mark. When I applied for forgivess after 120 payments, I was told that I had no qualifying payments. I had been given incorrect information by the different services throughout the years. I have been reading that many others have experienced this as well. Do I have any recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Centralized Business Solutions Company
State: OH

Complaint narrative:
On XX/XX/2018 I had received a collection letter about medical bills that I allegedly owed to CBSC which is a collection agency. I had discovered that my personal information was in the collection such as my Social Security Number, medical diagnosis, and diagnostic codes. This clearly violates my privacy per HIPPA regulations. I did authorize the release of my protected information and contacted the XXXX, XXXX, and XXXX  to inform them that I did not give authorization to release my protected medical information. I have explained to the 3 bureaus that in order to aquire medical information about myself I have to sign a consent form allowing collection agencies access to my medical charts and billing information. I contacted the original alleged creditors who told me that they did not have any of the billing in question. CBSC had aquired my information illegally for amounts of {$300.00}, {$300.00}, {$270.00}, {$480.00}. I requested a copy of consent form for medical services as proof I received medical services but I have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: WA

Complaint narrative:
I have disputed 4 times to the bureaus about these collection accounts that they have categorized as " OTHER LOANS '' These accounts were never loans. I've never taken out a Title IV-D loan so this is a mistake on my report. Also, the accounts were NEVER delinquent so the statute of limitations on these accounts have lapsed and the bureaus will not remove them from my reports. The bureaus are also reporting errors that I proved to be in error and they are still showing and according to FCRA should be removed from my report because the error has not been fixed for over 92 days

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 2018-06-22 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: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by 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 explanation
Consumer complaint received 2018-06-22 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: IL

Complaint narrative:
Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX  still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX  first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX  has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA  XXXX XXXX XXXX  is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX  stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!

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 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Over 6 months ago I got the Paypal 2 % cash back card.

At this point I have made payments of {$4300.00} and should have a minimum of {$86.00} in cash back available to redeem. The Banks website states that I have {$4.00}. Thisis not correct.

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 2018-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To whom it may concern : I original applied for a Bank of America XXXX University card sometime around 2012. I had this credit card in great standing and as time went by kept my account always up to date paying more than the required payment due and in advance. Upon having other personal credit cards when I would call in they would always ask would you like to consolidate we are running a promotion to which I always said no. Then one day thy started saying well we see here where you owe XXXX XXXX $ yada yada, and you owe this card and that card and would read off my credit card names without me telling them and apparently even had the account numbers so they could send the payments direct. Troubled by this I would say no I would think about it. This happened quite often almost on a monthly basis until one time I bit. After which although I had kept ALL my accounts in order and paid they CANCELLED every card with NO warning!! I wrote to them and received no reply so I immediately called and they said you have too many cards and debt and cut me off. But all my debts were paid on time! Credit Rating was 730-740! Now after all this time I am struggling to pay them. I have repeatedly called to request help with paying it off and they would not help. I have still contacted to make payments and make payments but {$500.00} is the payment and {$490.00} goes to the interest!!! Please help I know I am NOT the only one who was duped by this consolidation trap!!

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 2018-06-22 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: NJ

Complaint narrative:
I opened an American Express business platinum card with a promotional offer of XXXX bonus points after spending {$20000.00} in the first 3 months. I completed the spend. However, American Express isn't letting me use the points. They claim they need to make sure my purchases qualify. They say it can take 6 months until they " release '' the points. It never said anything like this in the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: FL

Complaint narrative:
Equifax have " XXXX , XXXX '' that done inquiry. I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry. If you not have poof, I want this inquiry deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: CA

Complaint narrative:
I want to first and foremost thank Equifax for processing my disputes recently but I am concerned that the investigation was not completed properly. I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of buy personal information. I will link that letter and the receipts here for your convenience and proof.

Unfortunately I can not tell if they processed my disputes because the two old accounts which have not had activity on more than 7 years are still on my file affecting me. These accounts are labeled XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The payments statuses are wrong because it states on the account begging in XXXX that I am currently 120 days or more late and that is not valid because I have zero lates on this account, please check my attachment. This information should be deleted, as should the whole account. Also, on that same account there appears to be statements supposedly made by me and a comment made by me. These are false and I never authorized any comment nor statements. this is concerning and would like to know how and why this is appearing. In other words the account is not valid or verifiable so please just delete it. 

Secondly, I would like to bring to Equifax 's attention that account # XXXX is also wrong and I would like to have it deleted for premium accuracy please. I have no lates on this account as well and I am concerned here as well why it shows up on my XXXX monitoring as a late account in my summary section. 

These two accounts have incorrect and outdated information and they are not registering accurately on my general profile with creditors and this is tremendously damaging for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: FL

Complaint narrative:
Equifax/ I do not remember authorized this company to obtain a copy of my credit report. This inquiry need to be removed immediately. Please deleted " XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was contacted on XX/XX/XXXX via text message about an XXXX  opportunity to do a commercial with XXXX. I followed up with the opportunity and was told I would receive a check of {$5400.00} from XXXX XXXX  of Arizona for my involvement in the project. I was contacted by another cell number where they told me they would send a check via usps in the amount of XXXX. The mail arrived XX/XX/XXXX in a USPS Express box. I was told to deposit the check on XX/XX/XXXX and later told to withdraw the amount of XXXX out of my Bank of America account on XX/XX/XXXX. After withdrawing the money, I was told to wire the money via bitcoin Atm. On XX/XX/XXXX, I contacted my bank because my card kept getting declined. I was directed to the check fraud customer service and explained my situation but was told there is nothing they can do about it even though they did not detect the check was fraudulent during the deposit resulting in my complaint.

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 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2017 US Bank cut a check out of our escrow account for {$980.00} and can not tell me why or where the check was sent. I have asked multiple times for answers as to why this was done and how and they will not give me a straight answer just that " thye do not know ''? How and why can they no tknow why the money was taken out of our account? This has caused a shortage in our escrow account and as a result they are now increasing our payment.

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 2018-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I began with two loans of XXXX and divorced was persuaded by the company to take forbearance which ballooned interest to XXXX, even though I pay my loan it continues to increase dramatically.I have to reapply every year and they increase my payment while interest increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: Porania, LLC
State: CA

Complaint narrative:
The Chapter XXXX Bankruptcy with the record number XXXX is not my account, I have disputed this and it still remains on all three bureaus of my credit report. I have disputed this bankruptcy multiple times, and have even received letters from the bankruptcy court that I've attached that confirms they can't prove my bankruptcy, but they still remain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: FL

Complaint narrative:
Equifax/ I am requesting proof that " XXXX XXXX '' have permission to look at my credit report.

Company response to consumer: Closed with explanation