vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-22 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: IL

Complaint narrative:
I have disputed an ac count, held by the U.S. Department of Education, being rep orted on my  XXXX  and Experian credit reports multiple times ( mostly recently on   XX/XX/XXXX  )   without result or proper explanation as to how and why the account continues to be reported. I also disputed the information directly with the  U.S. Department of Education  on    XX/XX/XXXX      and as of this writing,   XX/XX/XXXX   ( more than 30 days later ), I have received no response.     The reports do NOT state the 'Date of First Delinquency ' or 'Date of Default ' on this account, which is required if it is to be listed at all on my credit report. In fact, the 'Date Opened ' is listed a s  XX/XX/XXXX , but  the  'Date First Reported '  is listed as   XX/XX/XXXX , a nd at that time they claim the account was already in collection status. Neither the   U.S. Department of Education   nor  XXXX  or Experian have provided me with the 'Date of Default ; ' therefore, this account has not been proven to be mine, nor should it be listed on my credit reports.

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 2017-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX   XXXX  nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix 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 2017-05-22 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: NC

Complaint narrative:
credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX    XXXX   nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I am a veteran and I work for the   XXXX   XXXX   XXXX   XXXX   . In 20  15 I was  placed on FMLA ( medical leave ) due to the  XXXX  of my   XXXX   XXXX  . Because I was unable to work I became delinquint on my car loans through USAA. When I became delinquint  USAA  blocked all access to mu checking accounts. USAA is an online bank and is refusing to let me access my accounts online and through the USAA app. USAA is holding my checkin g accounts hostage until I fix my car loan theough them, but I need to se e my checking / savings accounts in order to make proper financial decisions. When I contacted USAA to work out a financial remedy to catch up on the auto loan they refuse to give me access to see and monitor my accounts, until I pay them what I owe. I can not get bank statements online or monitor my checking or savings accounts for almost 2 years. I know of no other online financial institution that completely blocks all online banking due to the account holder falling delinquint, which in turn prevents the account holder from making any accurate financial assessments, monitor for inaccurate account activity by USAA, or even regain financial stability after a huge medical setback. USAA claims to be there for veterans, but as I am a veteran I have seen nothing but borderline illegal debt collection practices and a 2 year attempt to completely block me from seeing my checking and savings account. When I attempt to log on via the USAA app or online banking I am denied for security purposes. When I call the security department they do not give me access to my accounts they only direct my calls to the debt collection department. When I ask the debt collection department for access to my accounts so that I can see my checking and savings to manage my finances I am told by debt collection that I will not get hose privelges back until I pay USAA what is owed. When I tell them th at keeping me blind to all my monitary accounts does NOT allow me  to make accurate financial desicions I am deny the right to online banking from  USAA  which is an online bank! The only branch is inTexas and I live in Ohio. I want access to my online bank accounts, bank statements, and the ability to see and use the online banking tools to serve in my financial recovery, pay my bills, get groceries without operating financiall y blind, even if I  owe USAA money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
I have communicated with  XXXX  from bayview loan servicing on  XXXX / XXXX /   2017  and told her that bayview loan servicing is doing fraud by charging me for insurance and not paying  XXXX  insurance.     In  XXXX   2017  I got a call from my insurance agents office stating that they havent received a payment for the insurance in the sum amount of  XXXX   XXXX .     Consequently I made a payment of  XXXX  and this is reflected on my credit card statement.     I have asked bayview loan servicing to please pay my money back plus the interest that they have charged me.     But the attitude of bayview loan servicing is like of a  XXXX . They are stubborn and they dont want to resolve their mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Have Parent Plus loans for my son that went to Navient from XXXX XXXX. Payment is very high, they have put me in forbearance many times as I struggle to pay the loans. I asked for reduced payment in lieu of forbearance but they said we make too much money. Instead we added additional charges/ interest due to the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have accounts with the banks ( Navy fed, XXXX XXXX XXXX ) yet the banks have had my address wrong I have called the banks on three telecom calls and ask them to have the unit number on my accounts so I may get the mail. It was not updated as a result my credit has been messed up. I would like for the banks to update my account if they have not done so and resend the statements out so I can review the bills and pay what is needed, and update my credit report please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
Hi, I am on my   XXXX   loan from Big Picture Loans and I looked at the amount of the payback and I am dumbfounded. I did not realize how much it would be. I know that trying to stop the money from coming from account will not help and I would like the offer paying the loan back without the extremely high interest rate. I only borrowed  XXXX  and they will collect  over 3400 afte r this loan is paid off and that is alarming to me. I can not believe this is happening. This is predatory to hardworking people that are struggling to make ends meet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: TN

Complaint narrative:
It was identified that an unauthorized debit card payment was made using my  Eppicard  in which I receive bi-weekly child support payments. The transaction in the amount of {$140.00} was made on    X/XX/2017  .  This purchase was made at a  XXXX   XXXX  in  XXXX   XXXX , New York. Immediately upon noticing I contacted EppiCard to file a complaint and provided all documentation as requested. This purchase was made at a store in which I 've never shopped as well as in a state I 've never even visited. To this day,   XX/XX/XXXX  , I have yet to receive any updates regarding this open dispute. On   XX/XX/XXXX   I received a letter stating that a provisional credit for the full amount of {$140.00} would be issued to the account in lieu of the pending completion of the investigation but that has yet to happen as well. I 've made numerous calls to EppiCard for a resolution but have been given the run around. I was told that the investigation must be completed b y the 90th day which is today yet nothing has happened and no one has provide d any valid information regarding the dispute 's current status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-22 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: IL

Complaint narrative:
I have disputed an account, held by the  U.S. Department of Education,  being reported on my Equifax and   XXXX   credit reports multiple times ( mostly recently on   XX/XX/XXXX     ) without result or proper explanation as to how and why the account continues to be reported. I also disputed the information directly with th e U.S. Department of Education  on   XX/XX/XXXX     and as of this writing,   XX/XX/XXXX      (  more than 30 days later ), I have received no response.     The reports do NOT state the 'Date of First Delinquency ' or 'Date of Default ' on this account, which is required if it is to be listed at all on my credit report. In fact, the 'Date Opened ' is listed as  XX/XX/XXXX , but the  'Date First Reported '  is listed as  XX/XX/XXXX , and at that time they claim the account was already in collection status. Neither th e U.S. Department of Education n or Equifax or   XXXX   have provided me with the 'Date o f Default ; ' th erefore, this account has not been proven to be mine, nor should it be listed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington contacted me to refinance my loan with them and I agreed, they pulled my payment history with them and approved the refinance, I submitted everything and was told we would close before the end of XX/XX/XXXX. Meanwhile, they had held my XX/XX/XXXX payment which was made on the XX/XX/XXXX for {$1000.00} and put it in an " unapplied category '' and did n't tell me my payment had went up {$52.00} for escrow.. Carrington said they notified me by mail but I never recieved anything.. So they showed I did not make my payment. They have since reported this to the credit bureau that I was over 30 days late with my payment ( dropped my excellent standing to below average ) and have since disqualified the refinance because of a late payment. I have the printouts from my bank that I have paid my loan every month for the 10 years I have had it. Even their website shows the payment but not applied to anything. My original mortgage was with XXXX and they sold a block of notes to Carrington a few years ago. They treat people terribly, like criminals trying to collect money. They results of theire actions have been very detrimental and I think criminal. I have worked hard to have my credit rating and they have abused the power they have. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Have not investigated the accounts nor removed accounts that I listed as a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are multiple fraudulent accounts opened on my credit file due to fraud. I filed a police report and sent it in to the police station. The company would not remove the fraudulent accounts per my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank refused to open a 5 year C/D for me even though I am a long time customer who recently sold their home and moved. I wanted to invest the proceeds of my home sale. They said I have to wait 60 days. I do have a freeze on my credit report. Why should a credit report be required to INVEST money from a long time customer?

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 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have a mortgage with  PNC  BANK. I 've had this mortgage for years. Now my payments are changing without notifying me in advance. They are adding insurance that I already have and taking the money out of my Escrow. I can never reach anyone at PNC. There is a recording. This is wrong. They are literally taking my Escrow money and doing what ever they want with it. I never miss my monthly payments, yet my balance on my home is much higher than what it should be. The balance has gone up and not down. This company is not operating in compliance. I need your help with this matter. I want to put a stop to this and get my statements from PNC. I also want all money taken out of my Escrow for insurance that I already have returned.   I thank you in advance for looking at my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: IL

Complaint narrative:
Have not investigated the accounts nor removed accounts that I listed as a result of identity theft

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 2017-05-22 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:
Have not investigated the accounts nor removed accounts that I listed as a result of identity theft

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 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Received 5 phone calls in the past 3 days from  Southwest Credit (  only reason I knew their name was I called the numbers back and tried to get a hold of somebody but was on hold for too long ).     Calls from  XXXX  Thurs   XX/XX/XXXX    XXXX   XXXX  Thurs   XX/XX/XXXX    XXXX   XXXX  Thurs   XX/XX/XXXX    XXXX   XXXX  Fri  XX/XX/XXXX   XXXX   XXXX  Calls from  XXXX  Mon   XX/XX/XXXX    XXXX   XXXX  Every time I have tried to pick up, they have hung up on me. They are calling my direct work line and are harassing me by repeatedly calling & hanging up. They have also not reached out to me via mail alerting me of a collection attempt so I have absolutely no idea if their calls are valid, or if they are even trying to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Immediate Credit Recovery
State: AL

Complaint narrative:
I am currently in a rehab program on  XXXX  of my student loans. I was told the  XXXX  loan does not qualify for this rehab but that I can not make any payments on it until the rehab program is complete. I just received a wage garnishment on the  XXXX  loan and when I try and call the number on the form I am transferred around and hung up on or I get a recording and no one ever contacts me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
In regards to this account, there have been various issues. A letter was received, from OCC, earlier this year, stating company had obvious errors among credit reports. Attempts were made with credit bureaus, in regards to the reporting, yet no changes were made. Disputes with credit bureaus came back as verified. In turn, company mailed letter, dated   XXXX   XXXX   XXXX   more than 60 days, since last complaint about this company. In the body of the letter, there are instructions to contact each credit bureau individually. his method was previously attempted. Each credit bureau is reporting different dates of delinquency, The company states in the letter dated  XXXX   XXXX ,  XXXX , the account first became delinquent on   XXXX   XXXX   XXXX   although  XXXX  credit file has the first delinquent date as   XXXX   XXXX   Another credit file has the date of first delinquency as   XXXX   XXXX   XXXX  . I have attached copies of the credit bureau files for reference.

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 2017-05-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
In regards to this account, there have been various issues. A letter was received, from OCC, earlier this year, stating company had obvious errors among credit reports. Attempts were made with credit bureaus, in regards to the reporting, yet no changes were made. Disputes with credit bureaus came back as verified. In turn, company mailed letter, dated   XXXX   XXXX   XXXX  , more than 60 days, since last complaint about this company. In the body of the letter, there are instructions to contact each credit bureau individually. his method was previously attempted. Each credit bureau is reporting different dates of delinquency, The company states in the letter dated   XXXX   XXXX   XXXX  , the account first became delinquent on   XXXX   XXXX   XXXX  , although  one  credit file has the first delinquent date as   XXXX   XXXX  . Another credit file has the date of first delinquency as   XXXX   of  XXXX . I have attached copies of the credit bureau files for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Walwick, Inc
State: WA

Complaint narrative:
Merchants Credit continues to report  XXXX  paid medical accounts that were the result of a billing error despite my written letters and being notified in writing by original creditor (  XXXX   XXXX   XXXX  ) that these accounts are paid and resolved.   XXXX   and  XXXX  even come back with accounts " verified '' when disputed. These accounts severely impact my credit and are causing more hardship.

Company response to consumer: Untimely response