vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-28 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: UT

Complaint narrative:
I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX.. They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.

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 2017-12-28 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: MD

Complaint narrative:
On XXXX ( Transunion ), XXXX ( XXXX ) and XXXX ( XXXX ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX XXXX credit card as they are reporting it on my credit report. They each deemed the account verified. On XXXX I sent a validation letter to XXXX XXXX XXXX credit card with my name, date of birth, social security number and the account number that is on my credit report. On XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called XXXX and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.

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 2017-12-28 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: MD

Complaint narrative:
On XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Experian ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX/ XXXX credit card as they are reporting it on my credit report. They each deemed the account verified. On XX/XX/XXXX I sent a validation letter to XXXX XXXX/ XXXX credit card with my name, date of birth, social security number and the account number that is on my credit report. On XX/XX/XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XX/XX/XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called XXXX and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.

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 2017-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The company in question stated that at the moment of final payment a certain amount was owed that I was not aware of. I received a late payment mark on my credit report. When I tried to resolve the issue by paying in full I requested for them to remove the late payment mark on my credit as well. The response I received from the company was that it was out of their department. I could still pay the payment and the company was willing to accept payment however they would not remove the late payment. At this point in time, the account has been paid in full but I still have late payment marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: GA

Complaint narrative:
I have been enrolled in the Public service loan forgiveness program through fedloan services since XXXX of XXXX. Since then I have made on time payments that should qualify towards the 120 payments that I need to make. I also have made several previous income based repayments on my loan that should qualify towardsthe 120 but they are also being denied. I recently received a bill this month amd it stated that I have only made 2 qualifying payments. On another statement it said that I had 9. By now I have at least 15 payments since being on the PSLF program plus the additional paymemts that I have made that also qualify. I have reached out to the company with no response other than to continue to give me the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have reached out to XXXX XXXX for my Walmart Master Card account on  numerous occasions in the last few months. I have been a customer of theirs since 2013, and this XX/XX/XXXX experienced a severe amount of bank and identity fraud while my husband was hospitalized. A nurse on the unit had stolen his wallet and used his information and identity to open accounts, as well as access our checking account.

On XX/XX/XXXX my husband XXXX XXXX. It was not until after his XXXX that I was made aware of the fraud that had taken place, and was not in a position to handle it at that moment. However, I maintained contact with XXXX XXXX/Walmart attempting to make payments. Due to the fraud, our bank ended up returning 2 payments that I attempted to make. I reached out to customer service to explain the issue and was told to make payment in the store. I attempted to and was told payments were not being accepted ( holiday weekend ). At this point my only other option was to open a new checking account, transfer funds to it, wait for the funds to become available, and then make the payment again. Again, during this time I stayed in full contact with customer service to explain what steps I was taking and was assured no adverse action would be taken. I made a payment to my account at that time, for much more than the minimum required, and came to find that they had already closed the account.

At this time I reached out to customer service again, and was told by a supervisor to fax proof of the fraud and they would reopen the account. I was told today that this was not even possibility and I was essentially lied to. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America has been charging my savings accounts a monthly maintenance fee even after meeting requirement as stipulated to me ( i.e. maintaining a direct deposits from my checking to savings account each month ). Spoke with the agent, she say the rules have changes now - but Bank of America never informed me about changes and agent also confirmed that I was not sent a notification. I would request these fees to be reimbursed to me and close my savings accounts. The agent was unable to process refunds due to her access limitations.

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 2017-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I applied in 2012, after recently paying my original car loan off. I received less than {$2000.00}. I paid every month. Until onr day I woke up and my car was n't in my driveway. After calling the police. I was told that it was repoed. I tried many many many times to contact this company. Only one time was able to speak to someone. I was n't given any info other than being screamed at. I was told to pay the total amount due. Almost 8 thousand dollars. I has no idea what to do. I was devastated. I let my car go. Here I am almost 6 years later. I have rebuilt my credit and I diligently been working on building credit. Obviously I noticed the company was in my report. I tried to dispute these charges. They are saying it is still open. Showing month after month late payments. I have not from day one of them taking my car have received a letter. I 've had the same phone number for 15 years. I also have the same mailing address. The amount the are claiming is wrong. I paid every month. Unfourtantlytly for myself I paid via cashiers check. I do n't have access to them. I do n't understand how they are making claims of any amount they want and it 's on my credit. I got this loan for a very minimal amount. I got this loan so that my credit was n't checked. I knew then that I had prior debt from years prior. I was never taught the importance of credit. I have taught myself along with my children over the last 6 years. In almost finally debt free. I have worked so hard to recover from bad lessons. Now that I am trying to build credit. I cant because this company is reporting so many things that are fraudulent. Can someone explain how the do n't check credit, take your car, and then make up any amount they want and them report it to your credit. I need help. I want to be a home owner. I actually would like to rent a home for that matter. This is crazy. I 'm almost homeless and ca n't do anything because they obviously can do whatever they want. I never signed anything with any type of disclosure of their ability to make claims of amounts of any dollar amount. Nor did I receive a final notice or interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XXXX XXXX, XXXX it was brought to my attention that Citibank had made a negative reporting and closed my secured account. I made a call to customer service and shared confidential information about a serious illness that I was hospitalized for in XXXX XXXX to respectfully disclose the reason for my late payments. I requested that I be allowed to make up the payments and that late fees be waived due to the reason for my late payments. I was informed by the rep that even though I was a customer and that all payments had been made on time up to the point of being ill, that my illness would not be taken into consideration and that even if I paid my account balance in full, that my account would not be re-opened. I spoke with an account manager who attempted to remove late fees due to the reason I was late with my payments but was informed that the bank would not allow any waivers. The account manager did inform me that the balance to clear the account was {$140.00}. 

I am making the account payment of {$140.00} to full fill my financial responsibility to Citibank. Also I am writing a letter directly to the Citibank to express further concern. 

To resolve this matter I am requesting that Citibank remove the negative rating that they originally sent to the three credit bureaus even if they have to delete the line of credit. The way it reads currently is extremely unfair and punitive because I became ill unexpectedly. 

I look forward to hearing from you in the near future. 

Best Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: NY

Complaint narrative:
For the past year i have been writing in to Experian disputing inaccurate information on my crediting report. Accounts that are inaccurate and need to be removed is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and 2 XXXX accounts, and a XXXX listing.

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 2017-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I got a mortgage loan through Quicken loans. I started this process on XXXX/XXXX/XXXX. My closing date was on XXXX/XXXX/XXXX. The original closing date was supposed to be on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I learned that the loan was changing from a " second home '' loan to an investment property, resulting in a higher interest rate and loan fees. My original loan officer never shared this with me that there could be some concern about this new home purchase. In discussing this issue with my broker, she indicated that the actions of Quicken Loans were deceptive and perhaps fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: LA

Complaint narrative:
I sent letters to all 2 credit bureaus telling them their was fraudulent accounts on my credit report I did n't know how they was there they did n't belong to me ..I also told them accounts was reporting wrong and inaccurate information such as open dates, wrong payment amounts and etc ..The 3 bureaus did nothing about it but sent me back a updated copy of my credit profile without investigation..I have pics to show the inaccurate information my Same accounts on credit reposts have different balances, open dates and etc .According to the FCRA all information should be truthful and correct and these bureaus are breaking the law destroying consumers report and nothing is being done about this ...

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 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX {$210000.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX {$210000.00} balance.

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 2017-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: IN

Complaint narrative:
BB & T has failed to act in good-faith to recognize the rights of, communicate with, or provide loss mitigation to the Successors-Of-Interests of an inherited property subject of a conventional mortgage held by their institution. On XXXX XXXX, XXXX BB & T initiated a foreclosure proceeding against the property naming the Successors-Of-Interest as parties for alleged default. 

This court initiated action by BB & T acknowledges in their complaint personal knowledge of key material facts including : the XXXX of the borrower, execution of a recorded transfer on XXXX  deed and affidavit in accordance with state law, and the name and whereabouts of the Successors-Of-Interest. Despite this declared knowledge, BB & T has provided no good-faith effort to acknowledge the Successors-Of-Interest rights, communicate with the Successors-Of-Interest directly, or provide notices of default, acceleration, or loss mitigation options to the Successors-Of-Interest to preserve their rights prior to filing for foreclosure.

BB & T was first notified by the Successors-Of-Interest of the XXXX of the borrower in XXXX XXXX by first class mail. BB & T or its agent/representative was additionally notified during a face-to-face property inspection performed by or on behalf of XXXX on or about XXXX XXXX. BB & T has been provided relevant documents via mail to include : XXXX XXXX of the borrower, obituary of the borrower, transfer on XXXX deed and affidavit transferring interest to the Successors-Of-Interests, and the last will and testament of the borrower. 

BB & T has not provided confirmation of receipt of said notices and/or to refuse to communicate with the Successors-Of-Interests due to lack of confirmation. This last occurred via telephone on or about XXXX/XXXX/XXXX. BB & T requested the information be resubmitted on XXXX/XXXX/XXXX. This was completed on XXXX/XXXX/XXXX via fax and will be additionally included with this complaint. 

BB & T has accepted payment from the Successors-Of-Interest since the XXXX of the borrower without issue. As of XXXX/XXXX/XXXX Successors-Of-Interests believe no default in payment exists despite such claim in the foreclosure complaint. BB & T refused to provide any information regarding this claim upon telephone request XXXX/XXXX/XXXX. 

It is the position of the Successors-Of-Interests that regardless of any claim of nonreceipt by BB & T of prior notices -- BB & T acknowledges personal knowledge of the XXXX of the borrower and the existence of the Successors-Of-Interests in their foreclosure complaint. Failure to attempt to offer loss mitigation options to the known Successors-Of-Interests prior to the filing of a foreclosure complaint seems contrary to the public interest and established regulations, interpretations, and law. 

It is the intent of the Successors-Of-Interests to act in good faith to resolve any issues related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Dear Sir/Madam I submitted my payment to citi cards on XXXX/XXXX/XXXX through my on line payment. My citi card account number is XXXX for the amount of {$590.00}. When I made my payment my bank ( chase ) had different address for citi cards so it went into a different account. This a/c was my wife 's a/c which was closed due to credit consolidation. That a/c number is XXXX. I contacted the citi card member and they said it will take 30 days to resolve this issue. I called after 30 days and they said they have not heard anything about this issue and they are going to make new inquiry and it will take 2 more weeks. I waited for 2 weeks and called them again and they said again there was nothing noted regarding this matter and they want to start a new inquiry and will return my money after they check it. Kindly help me regarding this matter. They are calling me about not making a payment but I already made a payment on XXXX/XXXX/XXXX. 

Transaction Information : Biller ID : XXXX Payee Name : XXXX XXXX XXXX XXXX # : XXXX Payment Amount : {$590.00} File Transmission Date : XXXX/XXXX/XXXX XXXX PM Payment Effective Date : XXXX/XXXX/XXXX Trace Number : XXXX Transaction ID : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I contacted Cavalry Portfolio Services on or around XXXX/XXXX/XXXX requesting validation of debt. On XXXX/XXXX/XXXX I received the attached documentation which is nothing more than a statement that fails to establish that is valid and mine specifically, that the debt was transferred to Cavalry Portfolio Services, fails to document complete account history, and also fails to provide the original agreement of the account. Therefore, this account should not be considered valid.

Company response to consumer: Closed with explanation