vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 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: GA

Complaint narrative:
There were fraudulent accounts listed on my credit report and they were removed earlier this year. I just received notice that they Added them back on my account and wouldn't remove the accounts that were already deemed fraudulent.

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 2019-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
The student loan company Navient refuses to work with me concerning my private student loans. After going back to school to get a credited degree, and having these loans deferred the loan has grown to a very large amount due to outrageously high-interest rates. Their only program available allows interest-only payments of {$2500.00} a month which I am unable to afford. When calling to discuss my repayment options, I was told several times they were unable to discuss any options with me because the loan was current. I was also told they would call me at the beginning of the month to assist in finding the lowest options because repayment plans change every month. Instead, no one called and when I did call at the beginning of the month I was told any repayment options applied today wouldn't apply until next month. Their practice and tackets are predatory, they are dishonest, unhelpful, and take advantage of the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
There is an apt quotation from XXXX : he that filches from me my good name robs me of that which not enriches him, and makes me poor indeed. I shutter to even imagine what damage the mess described below has already done to our good name, ' to say nothing about the many days spent trying to resolve the problem and countless hours of worry about it. 

The JPMorgan Chase mortgage in question ( # XXXX ) is on our second home in XXXX XXXX, New Mexico - purchased in XXXX. The mortgage payments have been made each month from XXXX XXXX XXXX ( XXXX ) Acc # XXXX xxxxxxx, frequently with significant additional payments to principal - probably paying the debt several years ahead. 
The problem began on XXXX XX/XX/XXXX and continues to this date ( XXXX XX/XX/XXXX ). During this period, I have often been out of town when the mortgage payment needed to be made. ( Remark- we are at an age when the terminal illness and death of friends and family are all too common ). Attempting to sign-in on the Chase website from my XXXX XXXX, I would receive a message that the 'Chase computer ' did not recognize my computer although that very same computer has been used exclusively to make the payments for several years. Since I was not at home to receive the code sent to my home phone, I resorted to phoning the banks customer service, eventually reaching someone who could process a mortgage payment by phone. 
In the following months, the payment was NOT credited to the account : XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX. In most cases I was able to provide Chase the confirmation number for the payment. In the following months, XXXX, XX/XX/XXXX the payment was made directly by XXXX, but the payment was REFUSED by Chase and the funds returned to our account. 
I made multiple efforts to resolve the problem from the time I discovered it - specifically making a double payment in XXXX and XX/XX/XXXX ; and sending a hand written check ( directly to XXXX XXXX, Chase CEO ) with a double payment in XX/XX/XXXX. 
On XXXX XX/XX/XXXX, we received hand delivered documents at our primary home in XXXX, OH that a foreclosure had been filed on XXXX XX/XX/XXXX at a court in XXXX XXXX. 
As the attached documents will show, the apparent problem with the phone payments was that the 'leading zero ' of our XXXX  account was omitted in the electronic transmission from Chase to XXXX. I can not suggest the reason for the recent two payments being " rejected. '' Both I and my husband are in our XXXX 's and this is a situation beyond humiliation to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
To whom it may concern : - I have faithfully paid my suntrust credit over the last year and several months. During a regular check of my credit report, I noticed that they had reported my account 30 + 60 days late. I had attempted multiple payments over the period that they reported me late, and each one of the payments was reversed. ( I have documentation of this ). XXXX  Payment for {$3000.00} reversed by Suntrust XXXX Payment made by me for {$2400.00} XXXX Payment for {$2400.00} reversed by Suntrust XX/XX/22 Payment for {$5000.00} made by me XX/XX/22 Payment for {$5000.00} made by me XX/XX/22 Payment for {$5000.00} reversed by Suntrust XX/XX/22 Payment for {$5000.00} reversed by Suntrust - I visited multiple branches to speak with branch managers to rectify the issue, and was assured that once I brought my account current the reporting would be rectified. Since they were reversing my online payments, I went to my bank immediately and obtained a cashiers check to bring my account current. Once I did this, I was informed that there was nothing they could do to bring my account current. 
- I had multiple, very lengthy calls with the credit department and each time was told they would not be changing the status on my credit reports despite all the evidence of payments made and then reversed by suntrust. 
- I submitted a letter & documentation to all 3 credit bureaus documenting the above facts, and no changes have been made.

I am happy to submit additional documentation and would just like the inaccurate reporting to be corrected with the credit bureaus.

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 2019-11-04 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 were fraudulent accounts listed on my credit report and they were removed earlier this year. I just received notice that they Added them back on my account and wouldn't remove the accounts that were already deemed fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: PR

Complaint narrative:
I'm submitting a complaint seeking protection of my personal Credit Scores, my Credit Report, my Privacy, my private financial situation enforced by the applicability of the federal laws to restrict UNFAIR, DECEPTIVE and ABUSIVE acts. 

Copy of a motion was forwarded to me by my Ex-Wife who has a foreclosure Dispute and is the only owner of the house in dispute. 

My Ex-wife notified me that : her Credit Report was compromised thru the foreclosure dispute, and that Her Credit Scores Decreased almost to the minimum. 

I dont want, the same situation to happen to me. 

Bank of America authorized Law Firm to publish in a Local Newspaper an EDICT including my name in a FORECLOUSURE DISPUTE, that : I am NOT A PARTICIPANT, I WAS MARRIED UNDER A MARRIAGE CONTRACT, ACTUALLY I'M DIVORCED, the address submitted to the court doesnt exist, and I didnt authorized the use of my personal information. 

That documents are clear and were revised by the Bank Agents and The Law Firm, prior to publishing my name in relation to a Foreclosure Dispute AND connecting it, TO An incorrect FINANCIAL PRIVATE INFORMATION DISCLOUSURE. 

The Financial Institution BOA thru LAW FIRM acted in detriment of my Human Right, my Intimacy, Private Financial disclosure, while exposed my personal Financial situation INCONSISTENT AND NOT REAL with the information thru the publication of an Edict in a local newspaper with my name included. 
with evidence : that when my name was published thru a local Puerto Rico newspaper, I was exposed to Public " mockery '', defamation etc., in which Privacy Rights were violated and are also, related and included in to the Federal Consumer Financial Laws. 

I'm submitting a complaint seeking the applicability and enforcement of the Federal Laws to Restrict Unfair, Deceptive and Abusive acts. " I'm not related to the Property and the Bank knows '' BECAUSE THAT ACTION AFECTS DIRECTLY MY CREDIT REPOR AND MY CREDIT SCORES.

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 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
On XX/XX/19 I made a payment of {$200.00} conf # XXXX. Also, on XX/XX/19 I made an additional payment of {$39.00} conf # XXXX. 

The {$39.00} payment I made on XX/XX/19 was not applied to my account until XX/XX/19. I spoke with XXXX on today, XX/XX/19 in regards to the issue and she said there was not anything that could be done to adjust the payment to the correct payment date of XX/XX/19. XXXX stated there has to be a 7 day delay in processing of check payments. The 7 day delay in payment is not Terms and Conditions, nor is it written on the disclosure on back of the statements. Company is unable and unwilling to adjust my payment date neither are they willing to adjust interest that has accrued over the 7 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive contact the Credit Bureaus several times asking them to remove address that arent mine and some accounts that arent mine ... they stated that they did an investigation and the results were either accurate or verified but they arent providing me with the information that they used to verify I want to see signed documents with my name on it from these companies and they arent doing that so I am unsure how to proceed to get this situation corrected. 
My car was stolen and several names and address variation on my credit report does not belong to me. 
They said it will be removed but some of it hasnt and I dont know how to go about this it is costing me money to constantly mail out letters to have this stuff removed.

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 2019-11-04 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: TX

Complaint narrative:
Ive contact the Credit Bureaus several times asking them to remove address that arent mine and some accounts that arent mine ... they stated that they did an investigation and the results were either accurate or verified but they arent providing me with the information that they used to verify I want to see signed documents with my name on it from these companies and they arent doing that so I am unsure how to proceed to get this situation corrected. 
My car was stolen and several names and address variation on my credit report does not belong to me. 
They said it will be removed but some of it hasnt and I dont know how to go about this it is costing me money to constantly mail out letters to have this stuff removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: GA

Complaint narrative:
XXXX, TRANSUNION, XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT, THESE ARE THE LIST OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX   XXXX XXXX -- -- ->Date opened -- -- ->XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX -- -- ->Date opened -- -- ->XX/XX/XXXX XXXX XXXX & XXXX -- -- -- >Date opened -- -- -- >XX/XX/XXXX XXXX   XXXX -- -- -- -- >Date opened -- -- -- -- -- ->XX/XX/XXXX XXXX   XXXX XXXX  XXXX -- -- -- -- >Date opened -- >XX/XX/XXXX XXXX XXXX -- -- -- -- >Date opened -- >XX/XX/XXXX XXXX XXXX XXXX XXXX -- ->Collection opened -- ->XX/XX/XXXX XXXX XXXX  XXXX -- -- >Collection opened -- >XX/XX/XXXX XXXX XXXX -- -- ->Collection opened -- -- ->XX/XX/XXXX XXXX XXXX XXXX XXXX -- -- XXXX -- -- -- -Date Opened -- -- ->XX/XX/XXXX XXXX -- -- -- >Date opened -- -- -- XXXX XXXX, XXXX XXXX -- -- >Date opened -- -- ->XX/XX/XXXXXXXX XXXX XXXX  XXXX -- ->Date Open -- -- >XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, PA, XXXX Fraudulent Inquiries : XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT, THESE ARE THE LIST OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -- -- ->Date opened -- -- ->XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX>Date opened -- -- ->XXXX XXXX, XXXX XXXX XXXX & XXXX -- -- -- >Date opened -- -- -- >XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX -- -- -- -- >Date opened -- -- -- -- -- ->XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX -- -- -- -- >Date opened -- >XX/XX/XXXX XXXX, XXXX XXXX XXXX -- -- -- -- >Date opened -- >XX/XX/XXXXXX/XX/XXXX XXXX -- ->Collection opened -- ->XX/XX/XXXXXXXX, XXXX XX/XX/XXXX XXXX -- -- >Collection opened -- >XX/XX/XXXX XXXX, XXXX XXXX XXXX -- -- ->Collection opened -- -- ->XX/XX/XXXXXXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXL -- -- XXXX -- -- -- -Date Opened -- -- ->XX/XX/XXXX XXXX, XXXX XXXX -- -- -- >Date opened -- -- -- XXXX XXXX, XXXX XXXX -- -- >Date opened -- -- ->XX/XX/XXXXt XXXX, XXXX XXXX XXXX XXXX   XXXX -- ->Date Open -- -- >XX/XX/XXXX XXXX, XXXX Fraudulent Address : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, PA, XXXX Fraudulent Inquiries : XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My account was current, now my account says 30 days late. How does an account that has been paid off and closed for over a year now recently become 30 days late when it was reported as current in XX/XX/2018? I truly believe XXXX XXXX XXXX XXXX Ashely 's Furniture is discriminating against me and this is not fair at all. The account has been paid off.

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 2019-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters will not send a financial statement or any verifying documents to support this debt. 
Credit Bureau keeps reporting it is verified but I would like to know how they are verifying this {$840.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These agencies have dinged my credit twice this year, once in XXXX ( XXXX  XXXX XXXX account closed ) by 11 points and again last month 6 ( credit card balance {$160.00} ). I have access to {$15000.00} in credit and pay off balances each month, how the XXXX can they justify lowering my credit 6 points just because of a balance increase, it was paid off entirely as always. Same month my mortgage was paid, but I never get a credit for that. XXXX  XXXX XXXX confirmed that my account had not been closed but the 11 points never came back on my score. They are all crooks, I would not be surprised if the banks were in on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PAYMENT HISTORY ERRORS : This complaint is regarding my auto loan financing account with XXXX XXXX. For the last few years I have disputed this issue multiple times through each of the credit bureaus individually ( both via online/phone and by mail ), as well as once with the CFPB. Every time I have filed a dispute, the response from XXXX XXXX has been inadequate and nothing has been resolved or corrected on any of my credit reports. 

There are still major errors on my credit reports, to which have significantly and negatively impacted my credit status. None of the credit bureaus have been helpful in properly processing my disputes and have not obtained adequate response or solution from XXXX XXXX. My credit score is being penalized for having 6 late payments reflected on my XXXX XXXX account, which is completely inaccurate and false misleading information. 

XXXX XXXX reported to the credit bureaus that I made payments " 30-59 days late '' for the following billing months : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Enclosed is a copy of my Bank Checking Account Transaction History Report, which verifies that I did in fact made those monthly bill payments on time. None of the above listed months were paid late. All 6 of these months need to corrected and updated to reflect that I paid those payments " On Time ''.

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 2019-11-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PAYMENT HISTORY ERRORS : This complaint is regarding my auto loan financing account with XXXX XXXX. For the last few years I have disputed this issue multiple times through each of the credit bureaus individually ( both via online/phone and by mail ), as well as once with the CFPB. Every time I have filed a dispute, the response from XXXX XXXX has been inadequate and nothing has been resolved or corrected on any of my credit reports. 

There are still major errors on my credit reports, to which have significantly and negatively impacted my credit status. None of the credit bureaus have been helpful in properly processing my disputes and have not obtained adequate response or solution from XXXX XXXX. My credit score is being penalized for having 6 late payments reflected on my XXXX XXXX account, which is completely inaccurate and false misleading information. 

XXXX XXXX reported to the credit bureaus that I made payments " 30-59 days late '' for the following billing months : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Enclosed is a copy of my Bank Checking Account Transaction History Report, which verifies that I did in fact made those monthly bill payments on time. None of the above listed months were paid late. All 6 of these months need to corrected and updated to reflect that I paid those payments " On Time ''.

Company response to consumer: Closed with explanation