vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 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: RI

Complaint narrative:
I checked my report and I noticed inquiries on my Equifax and XXXX report that don't belong to me. I don't know why they are there but I never tried to apply for anything through these companies. Also Accordint to the Fair Credit Reporting Act section 604 - 15 U.S.C. 1681b these inquiries shouldn't be there I didn't authorize any of them to pull my credit. 
Equifax. 
1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX Bank XX/XX/XXXX 3 ) XXXX XXXX bank XXXX XX/XX/XXXX Experian. 
1 ) XXXXl XXXX Bank XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX Co XX/XX/XXXX 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
A payment was sent to Bank of America XX/XX/2019 from a XXXX foundation to cover my mortgage payments for XX/XX/XXXXXX/XX/XXXXand XX/XX/XXXXfor XXXX. I am out of work and they are helping me make my payments as I am not receiving any income while out of work.They applied {$520.00} to XX/XX/XXXXand XX/XX/XXXXpayment and the remainder to principle. Someone from their collections department told me to call once they received the check to make sure they apply the payments as advised. I saw the payment was not applied correctly and sent email to fix and they advised that they can only make one payment in advance after someone in their collections department has already said it would not be a problem. I am a cross country with my sick  daughter staying in XXXX XXXX House I did what they told me to do and now they will not honor my request and I do not have the time to keep going back and forward with them. Im trying to make sure they get paid and they are making it hard for 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 2019-07-25 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I checked my report and I noticed inquiries on my XXXX and Experian report that don't belong to me. I don't know why they are there but I never tried to apply for anything through these companies. Also Accordint to the Fair Credit Reporting Act section 604 - 15 U.S.C. 1681b these inquiries shouldn't be there I didn't authorize any of them to pull my credit. 
XXXX. 
1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX  XXXX XXXX  XXXX XX/XX/XXXX Experian. 
1 ) XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX Co XX/XX/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 2019-07-25 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: NV

Complaint narrative:
I recently requested that a late payment be checked for verification because the original creditor, XXXX  XXXX, would simply not work with me at all. I have multiple credit cards opened for multiple years now with XXXX XXXX and a great outstanding relationship with XXXX  XXXX. In XX/XX/2018 a payment was not received due to an error in the app. Its a bit ridiculous because the minimum payment even was only {$25.00}, and Im making thousands of dollars in credit card payments per month, as seen on my credit file history. Why would I miss a {$25.00} payment? They never even notified me that it was delinquent, which is standard for creditors. Thats why it went over 30 days. Never even noticed, as I just assumed the payment went through. They never told me about an error. 

Now heres the kicker with the credit bureaus. I asked for the verification recently from all bureaus and they came back updating it as late in XX/XX/2018 instead of XX/XX/XXXX, which I know for a FACT is completely erroneous, because the late was in XX/XX/XXXX, not XX/XX/XXXX. How could these bureaus have properly identified with XXXX  XXXX? I dont think capital one would have told them it was late the following month. XXXX even took it off and then put it back on as more incorrect than it previously was.

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 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I was solicited via text about taking a loan out of one my homes, only asked questions and wasnt interested other than to understand how it worked! Agent at quicken loans processed with out my authority a inquiry on my credit report, called and pleaded to take it off! As I had no interest in this.. was told they would not take off the inquiry they put on my credit report! Spoke to gentleman 3 times! He basically told me I have no right to stop them, and I could not dispute their inquiry! As I explained it effected my credit score and he kept on looking into my credit report! Without my knowledge! 

What can I do to erase this? And is what the agent told me, correct that he can do as he pleases. I have no control of a stranger to pull my credit report, and try to make me take a loan on one of my properties? 

XXXX if needed to be contacted about this matter! As I feel the gentleman was evading my personal privacy without my concern!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hi ... i want to get rid of this loan ..first off they are charging me ( Navient ) for something I dont work for I went to school for XXXX XXXX at XXXX College which is no longer open school got close down nowhere to be found and still charging me I just want to get rid of this so my credit can go up I been in this for the past 7 years and my credit just dont go up! I really need to get rid of this student loan ... I need help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This account does not belong to me! Please remove it and review all attached documentation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 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: NV

Complaint narrative:
I recently requested that a late payment be checked for verification because the original creditor, XXXX XXXX, would simply not work with me at all. I have multiple credit cards opened for multiple years now with XXXX XXXX and a great outstanding relationship with XXXX  XXXX. In XXXX of 2018 a payment was not received due to an error in the app. Its a bit ridiculous because the minimum payment even was only {$25.00}, and Im making thousands of dollars in credit card payments per month, as seen on my credit file history. Why would I miss a {$25.00} payment? They never even notified me that it was delinquent, which is standard for creditors. Thats why it went over 30 days. Never even noticed, as I just assumed the payment went through. They never told me about an error. 

Now heres the kicker with the credit bureaus. I asked for the verification recently from all bureaus and they came back updating it as late in XX/XX/2018 instead of XXXX, which I know for a FACT is completely erroneous, because the late was in XXXX, not XXXX. How could these bureaus have properly identified with XXXX  XXXX? I dont think capital one would have told them it was late the following month. Equifax even took it off and then put it back on as more incorrect than it previously was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: NV

Complaint narrative:
I recently requested that a late payment be checked for verification because the original creditor, XXXX   XXXX, would simply not work with me at all. I have multiple credit cards opened for multiple years now with XXXX XXXX and a great outstanding relationship with XXXX XXXX. In XX/XX/2018 a payment was not received due to an error in the app. Its a bit ridiculous because the minimum payment even was only {$25.00}, and Im making thousands of dollars in credit card payments per month, as seen on my credit file history. Why would I miss a {$25.00} payment? They never even notified me that it was delinquent, which is standard for creditors. Thats why it went over 30 days. Never even noticed, as I just assumed the payment went through. They never told me about an error. 

Now heres the kicker with the credit bureaus. I asked for the verification recently from all bureaus and they came back updating it as late in XX/XX/2018 instead of XX/XX/XXXX, which I know for a FACT is completely erroneous, because the late was in XX/XX/XXXX, not XX/XX/XXXX. How could these bureaus have properly identified with XXXX XXXX? I dont think XXXX XXXX   would have told them it was late the following month. XXXX even took it off and then put it back on as more incorrect than it previously was.

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 2019-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have multiple credit card accounts open with capital one in good standing for nearly 5 years. In XXXX of 2018, there was an error in the app and the payment I made toward one credit card, the oldest I have with them, was not received. I was never notified by capital one that the account was delinquent, otherwise I would have rectified the problem immediately. You could clearly see in my credit file that for years I have made thousands of dollars in payments monthly and have never been late. Why would I have been 30+ days late on a {$25.00} payment? I tried asking capital one for goodwill removal of this after it was actually partially their fault for never notifying me and also for their app not allowing my payment to go through. They denied help over the phone multiple times over multiple times and I wrote formal letters to Capital One @ XXXX XXXX XXXX in XXXX XXXX XXXX and never even received a response. I recently asked for verification from the credit bureaus and capital one even furnished completely erroneous information on the late payment, stating to the bureaus it was late in XXXX, when it actually was XXXX, further negatively affecting my credit score as showing the late had been more recent than it was. I just simply would like capital one to appreciate a customer who has never stiffed them on principal or interest and have even referred people to their bank. Now they are treating their good customer like a criminal and affecting a 6-figure earner into barely even being able to get a decent rate or account anywhere because of this negative activity on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 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: NV

Complaint narrative:
I have multiple credit card accounts open with XXXX XXXX in good standing for nearly 5 years. In XXXX of 2018, there was an error in the app and the payment I made toward one credit card, the oldest I have with them, was not received. I was never notified by XXXX XXXX that the account was delinquent, otherwise I would have rectified the problem immediately. You could clearly see in my credit file that for years I have made thousands of dollars in payments monthly and have never been late. Why would I have been 30+ days late on a {$25.00} payment? I tried asking XXXX XXXX for goodwill removal of this after it was actually partially their fault for never notifying me and also for their app not allowing my payment to go through. They denied help over the phone multiple times over multiple times and I wrote formal letters to XXXX XXXX @ XXXX XXXX XXXX in XXXX XXXX XXXX and never even received a response. I recently asked for verification from the credit bureaus and XXXX XXXX even furnished completely erroneous information on the late payment, stating to the bureaus it was late in XXXX, when it actually was XXXX, further negatively affecting my credit score as showing the late had been more recent than it was. I just simply would like XXXX XXXX to appreciate a customer who has never stiffed them on principal or interest and have even referred people to their bank. Now they are treating their good customer like a criminal and affecting a 6-figure earner into barely even being able to get a decent rate or account anywhere because of this negative activity 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 2019-07-25 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: NV

Complaint narrative:
I have multiple credit card accounts open with XXXXl XXXX in good standing for nearly 5 years. In XXXX of 2018, there was an error in the app and the payment I made toward one credit card, the oldest I have with them, was not received. I was never notified by XXXX XXXX that the account was delinquent, otherwise I would have rectified the problem immediately. You could clearly see in my credit file that for years I have made thousands of dollars in payments monthly and have never been late. Why would I have been 30+ days late on a {$25.00} payment? I tried asking XXXX  XXXX for goodwill removal of this after it was actually partially their fault for never notifying me and also for their app not allowing my payment to go through. They denied help over the phone multiple times over multiple times and I wrote formal letters to XXXX XXXX @ XXXX XXXX XXXX in XXXX XXXX XXXX and never even received a response. I recently asked for verification from the credit bureaus and XXXX XXXX even furnished completely erroneous information on the late payment, stating to the bureaus it was late in XXXX, when it actually was XXXX, further negatively affecting my credit score as showing the late had been more recent than it was. I just simply would like XXXX XXXX to appreciate a customer who has never stiffed them on principal or interest and  have even referred people to their bank. Now they are treating their good customer like a criminal and affecting a 6-figure earner into barely even being able to get a decent rate or account anywhere because of this negative activity on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Someone gave me a fake check and I deposited it into my account so I have to owe capital one XXXX,XXXX back. Im a mother and currently XXXX. Its hard to try and pay that for someone who tried to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX to investigate and verify the account. The account still shows charge off and also derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was a lie. The payment history is showing unknown therefore it is an unverified account reporting to my credit.

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 2019-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I received a Payday Loan from Amscot and was referred to Credit Counseling. I was handed a list of agencies by Amscot and decided on XXXX XXXX XXXX XXXX ( XXXX ) who I paid on time and in full. An emergency came up and I requested another loan from Amscot and was denied with a letter of Action Taken and statement of reason ; Other History of - Delinquent ( past ) or present credit obligations with us. I went to another Pay Day Loan agency on the same day and was denied for the same reason. As I am trying to maintain a favorable credit rating " this was upsetting ''. How can Amscot send me to credit counseling when they new that this action would negatvely affect my credit rating? I would have rather just stuck to the original terms set up by Amscot. I accepted credit counseling because the extended payment terms they offered were preferable to paying Amscot the full amount ( {$500.00} ) immediately. I had no idea that by accepting credit counseling it would negatively affect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Filed a dispute with an old payday loan that has been paid in full. Asked XXXX XXXX to investigate and verify the account. The account still shows charge off and also derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was a lie. The payment history is showing unknown therefore it is an unverified account reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX, XXXX, and XXXX   to investigate and verify the account. The account still shows derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was not being truthful. The payment history is showing unknown therefore it is an unverified account reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I rehabilitated my federal student loans with XXXX in XXXX and thereafter Navient became my student loan servicer. The first year of IBR my income was {$21000.00} in XXXX and my student loan payment was {$38.00}. I re-certified my loan this year based on my XXXX income of {$34000.00} and my new IBR is to be {$190.00}, 5 times more than the previous year. 
I contacted Navient and they sent me information on how the IBR is calculated, please see attached. My income only increased by 1.6 percent. The new monthly payment was far from what I expected it to be and I know that it will be difficult at best to pay this amount monthly. 
Is this truly the best Navient can do? I fear that this pattern of excessive increases in the years to come will prevent me from saving anything for retirement let alone pay for basic necessities such as rent, food et cetra. 
I question why there method of calculating my IBR monthly payment in XXXX clearly did not match their method this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX, XXXX, and XXXX to investigate and verify the account. The account still shows charge off and also derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which has not happened. The payment history is showing unknown therefore it is an unverified account reporting to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation