vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-18 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: LEXISNEXIS
State: GA

Complaint narrative:
I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
It took 4 months for Ally Financial to deny my loan. They scheduled closing dates then said my loan was denied. From XX/XX/XXXX to XX/XX/19. Continue to lead me on that thry only need more info. 4 months later. Still verifying my employment Every week underwriting changed criteria and needed more information for my application. I was pre approved in XX/XX/XXXX. Always excuses no reply rude employees not finishing my application. Then time affected my loan credit score and I was denied. If they would have processed my loan in a timely fashion I would be in a home. Now I cant go any place else XXXX XXXX ruined my chances for my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: ID Analytics, Inc.
State: GA

Complaint narrative:
checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated 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 2019-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have asked for options in repayment several times, because I have been having difficulty paying the full amount monthly. Navient has not given me any forbearance/deferment/payment reduction options. Instead, they tell me I am behind and need to catch up with no other options given. Since, I have been placed on a payment program to catch up. Ive been told that my account will be current as of XXXX if payments are made. The company continues to report NEGATIVE comments on both my credit report and my co-signers, even though we are on such a payment plan, and have asked for other options. I spoke with Navient regarding the derogatory comments on both credit reports, and was told that they will continue to give negative hits to our credit until XXXX, even though we are on such a payment plan to catch up. These negative comments on both credit reports have made both mine, and my co-signers credit drop drastically. Our credit is being hit with derogatory marks EVERY SINGLE DAY! Sometimes, more than once a day! This is totally unacceptable for a company to take advantage of their customers and put them in such a horrific credit state if the party is trying got work with them to resolve the issue and make payments to become current. I WANT THE DEROGATORY CREDIT REPORTS TO STOP IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX I received an email from XXXX that they received my online payment of {$21.00}, confirmation number XXXX. XX/XX/XXXX was the due date and made my payment on the due date. Since then I have received countless emails indicating my monthly payment was past due and this morning I received a computerized phone call from Citibank ( I guess they handle XXXX credit cards ) indicating my payment is past due and that is not accurate, my payment was made on time. I eventually got to speak to a representative during the computerized phone call but the call was quickly disconnected. I called the toll-free number provided, spoke to a representative from Citibank, gave him the confirmation number of my payment and he said the payment takes a few days to process but he would update the records, but I don't want to be continually harrassed every month when making my monthly payment on a timely basis because XXXX XXXX system takes a few days to process the payment. This harassment has to stop, the emails and phone calls are not necessary.

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 2019-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I pay Wells Fargo approximately {$1500.00} annually for PMI insurance. On or about XX/XX/XXXX I contacted Wells Fargo to get PMI insurance canceled. I felt that my Husband and I had 20 % value in our property to remove PMI. We owned approximately {$260000.00}. XXXX appraised the property at about {$320000.00}. Wells Fargo insisted that we had to use their appraisal company. Their appraisal company came below the value of our home at approximately {$290000.00}. This denied my request for PMI removal and I am still paying as of now. On or about XX/XX/XXXX we contacted Wells Fargo again for PMI removal We stated that the use another CT certified appraisal company instead of their 's would be a more fair and accurate appraisal. They said no. We feel that there is conflict of interest in this because the appraisal company has a financial dealings with and possibility ownership by Wells Fargo. I owe approximately {$250000.00} in my mortgage which gets paid biweekly that means extra mortgage payments each year. I have excellent credit and never have been late in payments. To have my PMI removed my property needs to be about {$320000.00}. XXXX valued my property for around {$340000.00}. I found that Wells Fargo had a lawsuit brought against them. The lawsuit stated that Wells Fargo 's had a unfair practice for PMI removal and their appraisals that was done came below the value of the homes and many still pay for there PMI.

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 2019-02-18 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: TX

Complaint narrative:
Greetings, My loan servicer is XXXX XXXX and they have been insufficiently responsive to inquiries I've made. 

First, I asked for them to provide a copy of an official letter updating me on the number of qualifying payments I've made towards PSLF. They told me originally that my most recent ECF I had submitted was approved on XX/XX/XXXX and that it would only take a few weeks to get back to me on the updated number of qualifying payments. I haven't heard anything since even though I've followed up with them. 

Secondly, I've asked for them to re-review payments I had made back in XX/XX/XXXX-XX/XX/XXXX ( made during a transition from IBR REPAYE ) to see if  they could be counted towards PSLF due to the " Consolidated Appropriations Act, XXXX provided limited, additional conditions under which you may become eligible for loan forgiveness if some or all of the payments you made on your XXXX XXXX XXXX XXXX XXXX XXXX ( Direct Loan ) Program loans were under a non-qualifying repayment plan for Public Service Loan Forgiveness ( PSLF ). The U.S. Department of Education ( ED ) is referring to this reconsideration as the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) opportunity. '' However, they've continued to tell me that this is under re-review and has been ongoing since XX/XX/XXXX per my records, which to me is an unreasonable amount of time. I want an answer to this. 

Thank you. 

-- XXXX XXXX XXXX P : XXXX E : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: Innovis
State: GA

Complaint narrative:
checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: LEXISNEXIS
State: GA

Complaint narrative:
checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX for XXXX  and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.

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 2019-02-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes by means of a CRO on XX/XX/2019, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

Equifax XXXX ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX  XXXX {$68.00} not mine XXXX XXXX  XXXX {$85.00} not mine XXXX XXXX  XXXX {$85.00} not mine XXXX XXXX XXXX {$160.00} not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 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: LEXISNEXIS
State: GA

Complaint narrative:
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and  I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.

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 2019-02-18 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: Innovis
State: GA

Complaint narrative:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee items and all none account holding iquiries from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2018, I opened a citibank checking account under the following promotion : " XXXX XX/XX/XXXX XX/XX/2018 Retail Checking XXXX AAdvantage Miles Offer ( Promo Code : XXXX ) '' Under the terms of the promotion, if I completed the following two required activities within 60 days of account opening : 1 ) {$370.00} in debit card purchases, and 2 ) Download the Citi mobile app and log, then I would be rewarded with XXXX miles added to my XXXX XXXX account within 90 days of completion. 


I have proof of activity 1 on page two in the attached bank statement. Activity 2 is proved by the existence of a " mobile check deposit '' which is a check deposit done via the mobile app ; this appears on the same statement. The above two activities posted on XX/XX/2018 which was within the 60-day deadline. 


Citi already has my AAdvantage account number, XXXX, because I have an AA cobranded credit card with them.

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 2019-02-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i feel my personal informantion was taken around 2017 used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts thaf was open in my name without my authorization

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 2019-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX XXXX  has been making harassing collection calls when payment is not due as of yet, due date is XX/XX/XXXX in the amount of XXXX. The account was under a hardship program prior and removed due to a returned payment in the amount of XXXX. This payment was scheduled to be drawn from a closed account which was not known to me, payments are currently scheduled to be drawn from my current account ending in XXXX. I was under the impression the payment would be drawn from this account as well, it was returned because the account drawn from was closed. I request calls stop and account added back on to hardship program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes on XX/XX/2018, Equifax, XXXX , & XXXX have failed, in concert, to respond to my disputes. They have violated the follwing FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I am asking the CFPB to enforce this regulation with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: LEXISNEXIS
State: GA

Complaint narrative:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee items and all none account holding iquiries from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee items and all none account holding iquiries from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I CURRENTLY HAVE A CREDIT CARD WITH XXXX XXXX XXXX ; ON XX/XX/XXXX I PURCHASED A GENERATOR WHICH WAS SUPPOSED TO BE ON A '12MONTH PROMOTION ; ' AS IN NO INTEREST WHILE MAKING PAYMENTS. 
HOWEVER I HAVE NOTICED ON MY CURRENT STATEMENT, AND UPON CALLING THE 'ACCOUNT INQUIRY ' PHONE NUMBER:XXXX-XXXX-XXXX ; I WAS TOLD THAT THE 'ACCOUNT BALANCE ' OF {$1400.00} ( STATEMENT DATE XX/XX/XXXX ) INCLUDES THE {$1100.00} BALANCE OF THE GENERATOR PURCHASE.THE 'CUSTOMER SERVICE REP ' THEN EXPLAINED THAT " WE MUST CARRY THE FULL ACCOUNT BALANCE ON YOUR ACCOUNT.???? ' WHICH I FIND TOTALLY UNACCEPTABLE. IN THAT EVENT, IM PAYING INTEREST ON THE 'TOTAL BALANCE ' AND NOT ON THE 'SUPPOSED TO BE SEPERATE ' GENERATOR PURCHASE. 
I HAVE HAD 'NO INTEREST ' PURCHASES IN THE PAST WITH A NY APPLIANCE CHAIN : XXXX XXXX ; IN WHICH THEY ALWAYS LISTED THE 'DEFERRED PURCHASES ' AND I THEN HAD THE OPTION OF PAYING THAT 'DEFERRAL ' SEPERATELY. IN THIS INSTANCE THAT IS NOT THE CASE. THEREFORE I REQUEST THAT 'TRACTOR SUPPLY ' BE MADE TO CONFORM TO THE PROPER ACCOUNTING PROCEDURES ; IM SURE IM NOT THE ONLY CONSUMER THAT HAS BEEN VICTIMIZED BY THIS FALSITY ; MY ACCOUNT # IS: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 2019-02-18 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: TX

Complaint narrative:
Inaccurate information showing on my credit report which is violation of the FTC and Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2019 Midland Credit Management left a letter ( pre-legal notification ) at my front door concerning a XXXX XXXX credit card account. I do not have an account with this credit management company. I previously requested them to provide me the name and address of original creditor, copy of the original signed contract, delegation of authority, and a complete accounting / statement of payments with interest and fees associated with the alleged debt with them. I have not received any information from my request except their letter of intent to direct this issue to attorney, if I dont contact for a debt that I did not contract with them.

Company response to consumer: Closed with non-monetary relief