vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a QVC credit card issued by Synchrony Bank. I received a letter in the mail stating that I was denied because the " Credit Bureau Reports a Different Address on File '' I tried to contact Synchrony Bank to confirm that, in fact, the address I applied with is my correct address, but to no avail.

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 2017-05-09 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I asked this Consumer to remove all non reporting accounts since they were consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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:
On  X/X/2017    I sent certified correspondence to Transunion  LLC , ( it was signed for on  X/X/2017    ) regarding information placed on my credit repo rt, ( Illinois Federal Court " Bankruptcy '' and Will Recorder of Deeds " Tax Lien '' ) I requested that t hey VALIDATE the information, because the parties stated above mailed me letters stating that they DO NOT report to credit bureaus ( documentation was included in my initial dispute and uploaded in my complaint also ) .I requested that if the information placed on my report could not be VALIDATED I would like the information permanently removed from my report record, they responded to my request with a letter stating that it was VERIFIED and will remain on my report. I would like this matter re investigated.     enclosed is correspondence I am sending to Transunion to have my cas e re inv estigated along with my complaint to CFPB, a copy of the letter stating " verified '' fr om ( Transunion ) as well  as verification that  XXXX  has Deleted the Will Recorder of Deeds " Tax Lien '' from My credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: WA

Complaint narrative:
XXXX   XXXX  is reporting a collection account on my credit report with Transunion. this account was originally a  XXXX  account, which had then been transferred to  XXXX   XXXX ,  XXXX . I paid the account with  XXXX   XXXX  on  XX/XX/XXXX . This account should have never been sent to  XXXX   XXXX , and I definitely should not have had to pay it again, nor should it be on my credit report. I have disputed it directly with Transunion twice now, and  XXXX   XXXX  keeps coming back saying it is valid. I spoke to a representative from  XXXX   XXXX  who agreed to remove the item from my credit report back on  XX/XX/XXXX . I then spoke to another representative from  XXXX   XXXX  on  XX/XX/XXXX  who told me they could read the previous rep 's notes, but would have to review the records because they could n't understand why I would have been told it would be removed and that they had no proof it was paid, although  XXXX   XXXX  informed me they had sent it previously to the original creditor,  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 2017-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I got a loan from  Security Finance i n  XXXX , Ga  XXXX  on  XXXX   XXXX ,  2014  and the account was paid off on  XXXX   XXXX ,  2014 . The monthly payments were only {$70.00} but i will admit finances were tight during that time. In those few months i was late 3 times but the manager told me that they would not report that it was late as i had a good history with them and have always paid on time. Well she lied and it did report and now it really looks bad on my report and its very frustrating. Also, when i paid it off, before doing so, i asked if they would remove the account completely from my credit report and they said they would. I should have known from the previous deception that i could n't trust this company but i took there word unfortunately and now i 'm unable to get certain credit cards and have a negative account against me on my credit. If someone could please just help point me in the right direction on how to get this account off of my report i would be SO grateful. Thank you.

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 2017-05-09 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 — Problem with personal statement of dispute
Company: AES/PHEAA
State: LA

Complaint narrative:
I asked this Consumer to remove all non reporting accounts since they were consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: CA

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX  Calvary Portfolio Services    XXXX   XXXX     XXXX   XXXX , AZ  XXXX  Acct Dear CFPB  I a m writing this letter to file complaint against  Calvary Porfolio Services,  They have made wrong report to my credit report. My original credit is  XXXX   XXXX  account  XXXX . I was behind on payment since  XXXX   XXXX . As of credit report on  XXXX / XXXX / XXXX . It was charged off and Calvary Portfolio recently contacted me and told me that I owed the amount of {$3500.00}. I have attached my credit report in  XXXX  and currently for your review.   In addition, they have told me that they will lien the debt that I owed to my wife house which I dont have name on it. They keep harassing me by calling me and said that.   There is two reason that I want to dispute which is first, they reported wrong to my credit report without disclosed where the original creditor and debt from with validate amount. They never sent me any letter to validate the debt and I dont receive that. Second, they can not call me by harassing that putting the lien in my wife house which I dont have name on it.   It is my personal debt and issues and I dont want they involve it to my family member. I urge that they need to remove it from my credit report since the debt original have passed statute of limitation and they have been harassed me for itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , AZ  XXXX  Acct Dear CFPB  I a m writing this letter to file complaint against  XXXX   XXXX   XXXX , They have made wrong report to my credit report. My original credit is  Citi Ba nk account  XXXX . I was behind on payment since  XXXX   XXXX . As of credit report on  XXXX / XXXX / XXXX . It was charged off and  XXXX   XXXX  recently contacted me and told me that I owed the amount of {$3500.00}. I have attached my credit report in  XXXX  and currently for your review.   In addition, they have told me that they will lien the debt that I owed to my wife house which I dont have name on it. They keep harassing me by calling me and said that.   Ther e is two rea son that I want to dispute which is first, they reported wrong to my credit report without disclosed where the original creditor and debt from with validate amount. They never sent me any letter to validate the debt and I dont receive that. Second, they can not call me by harassing that putting the lien in my wife house which I dont have name on it.   It is my personal debt and issues and I dont want they involve it to my family member. I urge that they need to remove it from my credit report since the debt original have passed statute of limitation and they have been harassed me for itself.

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 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have been attempting to get a loan modification starting   XXXX   thru  XX/XX/XXXX    I have sent all documents requested on numerous dates. All documents have been confirmed as received. After an unpleasant conversation with an underwriter who questioned my   XXXX   XXXX  ax return schedule C costs of labor and materials the situation seemed destined to be a negative experience. His questions seemed to be from a person that was not very experienced with self employed customers. The review resulted in a denial of a loan modification stating that my income was more than it actually is. I appealed sending updated and more specific documentation and more recent financial information that included bank statements and profit and loss statements for the  XXXX  quarter  XXXX . The underwriter based my income on tax documents from  XXXX . I am self employed and each quarter has an income variation that was not analyzed accordingly. Also  a drive  by appraisal that I received from them had  XXXX  inaccuracies that drastically affected the stated value of the residence due to square footage errors on the appraisal. Incorrect income and incorrect valuation appraisal is unacceptable when it affects a major decision for a loan modification. I attempted to have the accurate information reviewed to no avail. I believe that my hardship reasons affected the decision also. The fact that I have health issues and that I am female are just additional reasons I believe the loan modification was denied.

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 2017-05-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen Servicing Company LLC   XXXX   XXXX   XXXX   ...   XXXX   XXXX   XXXX   Florida ZIP code   XXXX   XXXX   XXXX   ... has been sending numerous bills claiming to be the servicer for our mortgage ... we have never received any notice from Ocwen we never did any business with Ocwen we have no contract with Ocwen ... they send numerous applications for a new loan ... some of the applications already have loan numbers on it ... their representatives have submitted false documents to the court ie.affadavits ... in support of   XXXX   XXXX   XXXX   companies foreclosure claims ... we have never even done business with   XXXX   XXXX   in any shape form or fashion ... on   XXXX   XXXX   XXXX   XXXX   we were told buy the   XXXX   XXXX   XXXX   that the case will be put on hold as requested by   XXXX   XXXX   pending investigation by the CFPB. Feel free to use our case in any way you like.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: CA

Complaint narrative:
I am in the process of trying to attain a home loan. The lender discovered a brand new collection dated   XX/XX/XXXX   from a company called "  SCA Collections , Inc ' ' on my credit reports. This collection is in the amount of {$200.00}. I 'd have gladly paid this if I knew I had any outstanding debts. I am alarmed becau se 1 ) I ta ke my FICO very seriously, having worked in  XXXX  fo r 15years, and   2 )  this debt collection company never reached out. I called them rep eatedly today (  X/X/17  ) an d a woman tried looking me up by my name, and by my social security number, and could n't find ANY debt associated with me. She explained it must have been a mistake, but she did n't offer any solution, and here I am with a poor FICO now. This is unethical. Please help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: PA

Complaint narrative:
I wrote Equifax,   XXXX   XXXX   on numerous times and the item still not coming off or my credit report not being updated .I sent copies of letters that my name was stolen and social security thru identity theft and I m getting repeating inquires on my credit report, I called all   XXXX    c ompanies and wrote them.nothing is better done, I do n't think its fair that mhy credit score keep going down and being damaged every time I try to clear and fix it .someone trying to keep things in my name .I disputed all the inquires and they wont take it off, The  XXXX   bill fo r {$1400.00} not off  XXXX   XXXX   XXXX   XXXX   {$490.00},  XXXX  company for  a car lo an {$30000.00} that wont be taken off .Student loan that 's accurate and they still have the owe  .I be lieve the credit reporting agency is out to get people and not see you progress at all .I need my credit clear up soon as possible and I would like a rapid rescore this is hinder me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: UT

Complaint narrative:
Lexis Nexis has failed to provide me an updated result of my recent dispute investigation a month ago. I have disputed several inaccuracies without any updated reports mailed back to me in the allow time under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On Saturday,  XXXX   XXXX ,    2017  I sent by certified mail a  XXXX  letter to equifax. On Tuesday,  XXXX   XXXX ,  2017  according to th e USPS tracki ng information it was received. Today is Tuesday,  XXXX   XXXX ,    2017  and according to my  XXXX   XXXX  report there was a collection by the name of  XXXX   XXXX   XXXX  that was removed and added back again to my report. I have not received any type of letter, phone call, or email from either the collection agency or equifax stating that this item on my credit report would be removed or added. If the research I have done is correct, it states that once an item is removed they have to send you a letter giving a 5 day notice stating that they are added something back onto your report and if not it has to be deleted because thats illegal and in violation of the FCRA. Ive reached out to equifax and was told there is nothing they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
BANK OF AMERIC A (  FIA CARD SERVICES ) ARE VIOLATING THE DODD-FRANK  WALSTREET REFORM A ND  CONSUMER PROTECTION ACT. T HEY ALONG WITH ALL CREDIT FURNISHERS ALLOWING  XXXX  TO SUPPRESS CONSUMER CREDIT REPORTS WHILE DOING BUSINESS WITH THEM. IS A UNLAWFULL, IN ADDITION PAY  XXXX  MILLIONS IN REPORTING FEE  ; S.      SHOULD YOU NOT CORRECT THIS MATTER WE WILL FILE A CLASS ACTION AGAINST   XXXX   AND ALL CREDIT FURNISHERS TO WHOM FAIL TO ADDRESS THIS MATTER DIRECTLY WITH THIER  XXXX  LEGAL DEPT.      XXXX  DATE NOTICE TO FILE SUIT.

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 2017-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
For the past  XXXX  to   XXXX   months my  Federal loan payments have been wrongfully allocated to my Private loans, Making my Federal loan payment late. I then have to call them and have them figure thing s out and re-allocate the funds to the correct loan. This happened today   XXXX   and   XXXX     and once in  XXXX  but I ca n't remember the day. On the  XXXX  phone call they said that after they moved the money back to the Federal loan it would make the  Private  loan {$80.00} short. however when I called this evening they said that they saw were that payment was made, however it was n't applied to anything. I have probably had over {$800.00} misallocated. Also the company in question is Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: Nelnet, Inc.
State: PR

Complaint narrative:
I have made several attempts recently on  XXXX   XXXX    XXXX  , the student loan was transferred and its being paid with   XXXX   and it appears in my credit  NelNet  with a default loan which hurts my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: WA

Complaint narrative:
XXXX   XXXX  is reporting a collection account on my credit report with  XXXX . this account was originally a  XXXX  account, which had then been transferred to  XXXX   XXXX ,  XXXX . I paid the account with  XXXX   XXXX  on  XX/XX/XXXX  This account should have never been sent to  XXXX   XXXX , and I definitely should not have had to pay it again, nor should it be on my credit report. I have disputed it directly with   XXXX   twice now, and  XXXX   XXXX  keeps coming back saying it is valid. I spoke to a representative from  XXXX   XXXX  who agreed to remove the item from my credit report back on   XXXX   XXXX   then spoke to another representative from  XXXX   XXXX  on   XXXX   who told me they could read the previous rep 's notes, but would have to review the records because they could n't understand why I would have been told it would be removed and that they had no proof it was paid, although  XXXX   XXXX  informed me they had sent it previously to the original creditor,  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 non-monetary relief
Consumer complaint received 2017-05-09 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:
I dispute these Items in the month  XXXX  Experian did not compile with the State Attorney General Settlement Agreement and  609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the   documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under   S
ection 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b   ) Disclosure on request of nature and scope of i  nvestigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by
the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was    received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation

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