vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 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: FL

Complaint narrative:
This is regarding an account reporting on my personal credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 
2 ) Also the number of months for terms changed from 77 to 0! Also not accurate! The other two bureaus are reporting 77.

3 ) The date of last payment is reporting XX/XX/XXXX also not accurate! The other two bureaus report different dates. 

On the previous months report dated XX/XX/XXXX : 1 ) The balance changed again from the months prior to this from {$7300.00} to {$7400.00} which is inaccurate! 
2 ) The terms also went from 0 months to 77 months. 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7400.00} to {$7300.00} which is not accurate! The other two bureaus show different balances!

2 ) The terms also changed back to 0 which is inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$240.00} which is not accurate! 
2 ) Same issue with balance reporting {$7400.00} when the month before was {$7300.00}! Not accurate!

3 ) The terms also went to 0 instead of 77! 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7300.00} when it was {$7400.00} They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: MS

Complaint narrative:
The XXXX XXXX account is showing a balance but the account is paid in full. XXXX  XXXX Account No. : XXXX. Attached is a letter from XXXX XXXX staying that the account is paid as of XX/XX/2018. I sent Experian this letter and they still report XXXX XXXX as having a balance. This just proves that Experian is very negligent in the credit dispute process.

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 2018-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have reached out to chase to apply for mortgage assistance numerous times since XXXX of XXXX XXXX. I have had multiple offers given to me for my house and every time we get close to closing on the home, something pops up on Chase 's part. One of the offers I received for my home was to go-ahead and do a short sale. I waited weeks for chase to respond and give us the go-ahead to move on with the short sale. As the closing date approached, I then find out my request was denied because HUD stated that chase failed to do their due dilligence. I could have sold my home months ago and avoided the hit the credit but because they seem to want to keep me looped into this foreclosure process, they are not approving any of my requests. 

Recently, I re-applied for mortgage assistance to see if I could apply for another short sale now that my foreclosure date had been removed. I sent in the documents on XX/XX/XXXX - I am working with an investor who has been calling chase on my behalf to see if they had assigned a manager to open up my case yet. The told me I needed to send in an offer for them to review anything. I sent in an offer with a contractors bid and an explanation of all the fixes the home would need. This was sent over and stated it was received in XX/XX/XXXX. We called today ( XX/XX/XXXX ) to see what the status was of getting a manager assigned and they said they are not going to assign a manager because there was a foreclosure date set for XX/XX/XXXX again after it had been removed on XX/XX/XXXX and told to me during a conversation on XX/XX/XXXX that there was no foreclosure date set. Chase seems to be playing a game in that they don't have their information straight and every time I call in, I get a different answer. I wouldnt be in this predicament if chase had completed what they needed to do and approved the offers I had received the first time around. I have received 4 offers on my home since XXXX of XXXX that meet what the principal balance is for my mortgage but they dont seem to care and are not taking my account seriously. My life is going to be severely impacted because of their lack of attention and their lack of caring for the customers they service. My son is a XXXX veteran and wants nothing more than to see his mother get out of this situation but I cant seem to get help from the company that says they are going to help me - they simple dangle a carrot in front of me offering to help and once there looks to be light at the end of the tunnel, they come up with some sort of excuse as to why I cant be helped. Their practices are very inconsistent and very unethical in the way they are managing their clients accounts. My loan number is XXXX. Please help me with the issue I am having with my servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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:
Experian alleges a verification of an account was conducted on XX/XX/XXXX and identified the source of information to be U.S. BANKRUPTCY - CENTRAL DISTRICT ( attachment # 1 ). My Experian consumer report generated on XX/XX/XXXX, identifies the source of information to be " Us bkpt ct ca XXXX XXXX '' ( attachment # 2 ). How can a different court be reporting ten days later if a complete and  thorough investigation was conducted? Also, the status date of the account reflects XX/XX/XXXX. If the account was verified in XX/XX/XXXX, the status date should reflect the XXXX date. 

On XX/XX/XXXX, I received a letter from Experian advising they would not reinvestigate this account without additional relevant information. This letter also identifies U.S. BANKRUPTCY - CENTRAL DISTRICT as the source of information ( attachment # 3 ). However, my Experian consumer generated report dated XX/XX/XXXX again reflects " Us bkpt ct ca XXXX XXXX '' as the source of information ( attachment # 4 ).

Today, my Experian consumer report also identifies " Us bkpt ct ca XXXX XXXX '' as the source of information ( attachment # 5 ). Experian has a obligation to conduct thorough, complete investigations. Additionally, the FCRA stipulates credit reporting agencies only report accounts that are complete, accurate and verifiable.

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 2018-12-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received a call on XX/XX/XXXX stating I needed to contact the legal department at ( XXXX ) XXXX asap. After speaking with an associate he stated that a debt from XX/XX/XXXX with the company XXXX XXXX XXXXXXXX needed to be settled or court action would be taken. I paid an amount in XXXX $ in accordance to the payment plan which would settle my debt with XXXX XXXX XXXXXXXX according to the associate. XXXX XXXX was the name of the individual I conversed with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: FL

Complaint narrative:
This is regarding an account reporting on my personal Experian credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 
2 ) The date of last payment is reporting XX/XX/XXXX also not accurate! The other two bureaus report different dates. 


On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7300.00} to {$7400.00} which is not accurate! The other two bureaus show different balances!

2 ) The date of last payment switches from the month before from XX/XX/XXXX to XX/XX/XXXX! Very inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$0.00} which is not accurate! 
2 ) Same issue with balance reporting {$7300.00} when the month before was {$7400.00}! Not accurate! 
3 ) The date of last payment is reporting XX/XX/XXXX when the month before it was XX/XX/XXXX On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7400.00} when it was {$7300.00} 2 ) The date of last payment changed again! All Inaccurate They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!

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 2018-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I refer to case number XXXX. I want to make sure that it is clear that the final check i paid wells Fargo had nothing g to do with the principal of my loan. 
The check they cashews for XXXX XXXX of that was to pay them insurance money for insurance i no longer needed since I paid the loan. 
The bank demanded that I pay them this in order to close my account. Other parts of the payment was free etc. So other than refusing to apply a check they cashed, the check was not even for the principal of my loan. 

So this is also a complaint about wells Fargo forced insurance. They still forced insurance on a principal paid loan I can not allow wells Fargo keep possession of a home that I paid. I am not able to resolve to what they intend to do with lien release reimbursement. etc I need these questions answered.

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 2018-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am very upset due to inquiries that are being shown on my credit report. This was my last resort. I was told to contact the credit bureau and the credit bureau told me to contact the creditor but they told me to contact the credit bureau in which I did after sending them over 5 letters in which the last letter I send them was certified at the post office tracking number- XXXX XXXX XXXX XXXX XXXX in which it went ignored and transunion refused to remove these inquiries after I informed them that I didn't authorize anyone to run my credit and do any hard pulls placing damage to my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.

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 2018-12-06 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: FL

Complaint narrative:
This is regarding an account reporting on my personal credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7400.00} to {$7300.00} which is not accurate! The other two bureaus show different balances!

2 ) The monthly payment changes from {$240.00} to {$0.00} also inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$240.00} which is not accurate!

2 ) Same issue with balance reporting {$7400.00} when the month before was {$7300.00}! Not accurate! 
3 ) The date of last payment is reporting XX/XX/XXXX which is different that the other bureaus. 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7300.00} when it was {$7400.00} They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!

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 2018-12-06 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: CA

Complaint narrative:
1. EXPERIAN BUSINESS CREDIT - XX/XX/2017 -  UNAUTHORIZED INQUIRY 2. XXXX XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 3. EXPERIAN BUSINESS CREDIT - XX/XX/2017 - UNAUTHORIZED INQUIRY

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 2018-12-06 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: OH

Complaint narrative:
I had taken a private loan in XX/XX/2007 from Navient who was Sallie Mae in the past. I was paying them about {$87.00} a month. This was what I was able to pay. They raised the payment a few months later to {$110.00}. Which was fine, then they asked me to pay more. I honestly gave up because this was all I can pay. Every month I saw my statement the amount was still the same. They called me to work something out with me after I stopped paying, I talked to them and they still had no options for me. It was I either pay the full amount or I continue to make payments. Not sure why they were calling me to work out something, if they had nothing. I had filed for bankruptcy this year and my private loans could not be forgiven, they still call me from different debt collectors, ask me to pay, they lowered it my loan to a lump sum which I don't have it, they called my relatives to ask about me. I don't know how to get rid of them anymore. I wish If someone can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: CA

Complaint narrative:
1. EXPERIAN BUSINESS CREDIT - XX/XX/2017 - UNAUTHORIZED INQUIRY 2. XXXX XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 3. EXPERIAN BUSINESS CREDIT - XX/XX/2017 - UNAUTHORIZED INQUIRY

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 2018-12-06 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: CA

Complaint narrative:
1. XXXX  XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 2. XXXX XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 3. XXXX   XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY

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 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have mailed copies of my passport and a recent utility bill with my correct name spelling and my address that I have lived at since 2008 because I recently discovered that several accounts and addresses are on my credit that are fraudulent ... .. I mailed this stuff off in XXXX but I have not had any success hearing back from you and thats with mailing two letters back to back I need this information corrected asap .... I was advised to put this information on an FTC affidavit I filled out online which I am attaching to this complaint please correct this matter for me and email me with a response at XXXX. my correct address is XXXX XXXX XXXX XXXX nc XXXX I have had that address since XXXX of 2008 ... .. the addresses that have had fraudulent accounts/ activity is XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX, NC XXXX names that are incorrect XXXX  XXXX  XXXX / XXXX XXXX / 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 2018-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MO

Complaint narrative:
I don't even remember accepting a loan with this company XXXX XXXX XXXX and I received a call saying they were coming after me for fraud. I asked them to send me a contract or some type of information and the lady told me no. She is a mediator and the call was to see how we can get the debt resolved. I told her the debt was not mine, she insisted that is was and would not send proof. I eventually hung up on her. She did state that the debt was from XX/XX/XXXX and I have not received any information regarding this prior to now. I have been at the same address since XX/XX/XXXX. The called me and threatened me through an automated system and told me that that served as notice and that if I did not contact them today, they were going to sue me and the call hung up. So, I returned the call, they verified my information and told me what I mention above. I don't know these people but they sure know me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc.
State: TX

Complaint narrative:
I settled out an auto loan with XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 and I have a letter from the credit union dated XX/XX/2018 indicating I settled out the account for {$3500.00}. I received a collection notice from R.A Rogers dated XX/XX/2018 indicating I owed {$6800.00}. I called the credit union on XX/XX/2018 and I spoke to a representative at approximately XXXX indicating the loan had been settled, I asked how the agency got my information and thought I owed the bill. I was told the credit union never notified the collection agency I had settled out the account.

Company response to consumer: Closed with explanation