vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This dispute and investigation is for Experian Credit Bureau. I had XXXX accounts with XXXX XXXX Bank as a XXXX. These cards were opened at separate times, XXXX in the XX/XX/XXXX XXXX and the other in XX/XX/XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. Experian has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with Experian that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. Experian also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX Experian reported the same XXXX accounts as being current late payments that went from XXXX days, to XXXX days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can Experian not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they XXXX be removed once and for all! I am also disputing the fact that they have Enhanced Recovery reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed Experian keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!

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 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian sells access to me to see MY OWN credit report. They were charging {$19.00} a month ( a MASSIVE PRICE FOR THIS SERVICE, should be more like a XXXX or XXXX, not XXXX dollars a month ) and when I complained about the price, they lowered it by XXXX %. {$20.00} a month is a LOT of money to pay to access MY information which can and is regularly used against me to scam more money. While on the phone, she said I could get access to all XXXX bureaus for 6 months for {$26.00}. Since I am in process with multiple construction loans, I said yes. Today, I went in to check the XXXX reports and low and behold, they only pulled the report for THAT day and I DO NOT HAVE ACCESS TO ALL XXXX BUREAUS FOR 6 MONTHS. I called and got the same " you have access for 6 months '' razzmatazz lies, but I do n't. I only can read the same report they pulled the first day, available online for 6 months. It is now VERY standard for banking industry to give YEARS of data visibility for free, so their saying that I " have access for 6 months '' is a direct attempt to lie, distort and scam me out of the {$26.00} for XXXX report. I specifically clarified when I called what I would be getting and they clearly have a carefully worded script to scam the public. They are purposefully lying about what they are offering to get people to pay the {$26.00}. They refused a refund because they said I " Have access for 6 months ''. I do NOT have access to the XXXX credit bureaus for 6 months. I only have the report I ran the very first day. They are lying to cheat consumers out of {$26.00} a pop. I can not imagine how much money they are making off of this consumer scam. More XXXX from the banking industry, cheating consumers out of money to get our XXXX 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 monetary relief
Consumer complaint received 2016-10-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After checkichecking my credit report i have several hard inquires that i did not make ... .there was XXXX that i authorized ... ... .all others were not authorized by me ... ... .what can i do to have these inquires removed and what can i do to find out why these hard inquires were pulled on my credit ... ... .who authorized these????

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 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my 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 non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XXXX XXXX, I received an email from Experian. 
Subject : Notification : Your XXXX Score has changed! 
I clicked the button that read : " Check your XXXX Score Now '' I landed on a webpage with XXXX buttons. " See all XXXX scores '' or " See XXXX score '' There was absolutely no indication I was placing an order. 
No information that my credit card would be charged. 
No visible dollar amounts. 
No please review and confirm your order page. 
No email confirmation that I had placed an order. 
I have been scammed by Experian as they charged my credit card {$39.00} without my authorization. I have sent Experian an email requesting a refund just prior to filling out this form. CFPB, Please see what you can do to facilitate a prompt refund of {$39.00}.

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 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX is reporting a credit card account as being a charge off and it was included in my bankruptcy as shown on my experian report.No account can be charged off past the filing date by federal law according to the FTC.To report past the filing date is a violation of my stay and my confirmation that binds creditor and consumer at the time of filing.Also XXXX XXXX is reporting my bankruptcy date as XXXX and as a charge off in XXXX which is totally incorrect.My bankruptcy filing is clearly shown on my Experian report as XX/XX/XXXX.They also filed as a creditor for payment from any proceeds and were electronically notified by the court. I previously disputed and Experian investigated and verified this false reporting and did not remove or correct it.The FCRA says i am entitled to a fair and accurate report and investigation if i dispute.How thorough an investigation could have been done if Experian can not verify information shown clearly on their own report.I accessed my free report from XXXX and viewed it 2 times and printed it. I tried to access it again and Experian said i had accessed it to many times, and asked me again to send them forms of identification with any disputes.I previously on XXXX XXXX sent them the following by certified mail and was signed for by XXXX XXXX XXXX, copy of my D.L., copy of my utility bill and my bankruptcy schedules.So what next do i have to send a blood sample too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all three reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

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 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wrote to Experian informing them that a Tax lien that they are showing on my credit report in the amount of {$18000.00} was an error and that it should not be showing on my credit report. They ignored my request. I wrote them more than XXXX. I went to apply for employment with XXXX and received a letter stating that Experian recently issued, for employment purposes, a consumer credit report about me to XXXX/Employment. It states the credit report contained the following public record information : Court/Plaintiff : XXXX XXXX XXXX XXXX Tax Lien XX/XX/XXXX in the amount of {$18000.00}. Attached you will see the Release of the Federal Tax Lien dated XX/XX/XXXX showing I did n't owe the Tax Lien Received from the Department of the Treasury Internal Revenue Service showing that the amount owed is None. ( See attached documentation ). I wrote to Experian prior to applying for employment and informed them that this was an error and they flat out ignored my request and documentation. I 'm including the documentation via fax to the XXXX XXXX XXXX XXXX which is the number giving by your chat representative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I disputed my navient student loan for a Balance of {$37000.00} with Experian and it was updated incorrectly as all of my navient student loans were just included in a direct consolidation loan from XXXX. This account has been paid in full and closed and by it continuing to report is affecting my debet to income ration by 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 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I did manage to read between the lines today ( XXXX XXXX, 2015 ) on the Experian website, and it would appear that by asking for an " initial 90 day '' alert within 30 days of expiration of the initial fraud alert, then the corporation gives an additional 90 day extension ( and alerts the other XXXX ). So I did that and Experian assigned the number XXXX to my request for " initial 90 day '' alert which is actually my request for an additional 90 days to the original 90 days, but I am only reading way between the lines on if I have followed their hidden rules well enough to accomplish this first extension. What is the financial payoff to these XXXX corporations by nbot making it easy to get a 90 day extension? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Deposited a XXXX check into my account, BOFA is telling me i cant have my money for 2 weeks because XXXX will not verify. I spoke with XXXX and they are telling me they have submitted everything they can and that my bank is lying to me and that the funds have been drawn from my employers account already. I am going to lose my job due to the fact i can not purchase gas and I am XXXX miles from home in a new state

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 2015-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. I am an XXXX military XXXX. In XX/XX/XXXX, while I was stationed at XXXX XXXX XXXX XXXX, XXXX, XXXX, I purchased my first home in my career. It was financed by Country Wide Home Loan, which was later taken over by Bank of America. Everything was going fine and I had no issues with monthly mortgages until I was notified I will be reassigned to Overseas military base in XXXX in XX/XX/XXXX. I was n't expecting to move so quickly after I purchased my first home, but military needed a person who spoke Fluent XXXX Language at XXXX XXXX XXXX, and I was selected to go. I tried for 6 months to sell the house, but could n't find a buyer. I was willing to take $ XXXX loss, but still did n't get any offer. As soon as I arrived in XXXX, I lost my XXXX allowance because I had to live on base housing. Since I no longer was receiving monthly housing allowance, I asked Country wide and Bank of America to refinance my loan. I just could n't pay {$2300.00} monthly mortgages when XXXX allowance was stopped and requested Country Wideif I could pay {$1500.00} dollars monthly instead. My offer was rejected. Within 20 months my house was foreclosed XX/XX/XXXX. My questions to CFPB is : Are there military clauses which should have protected me when reassigned to XXXX military installations. Also is there any way to verify Country Wide and Bank of America Foreclosed my home properly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a letter from XXXX with a debit card of {$50.00} representing a rebate because of prior repairs made to my XXXX Ford Taurus. The letter stated that if I did not want the debit card I could call XXXX to request a check of {$50.00} and cancel the debit card issued by the Bank of America. I paid for the Ford repairs in US legal tender and since I am entitled to a rebate I want my rebate in US legal tender and not in the form of a debit card issued by the Bank of America. I called in XXXX XXXX and cancelled the card and the customer representative from the Bank of America said that I would have the {$50.00} refund check in XXXX days. In the meantime the debit card was cancelled. I have not received the check and it has been 4 months and I have made numerous inquiries with the Bank of America and each time they say the check will be in the mail within 7-11 days. My XXXX communication was on XXXX XXXX, XXXX and the supervisor, whose XXXX name was XXXX promised that a check would be in the mail within 11 days. The check has not been received. I want my {$50.00} check in lieu of the debit card which was cancelled. I am tired of making telephone calls and being ignored. The number of the original debit card which was cancelled is XXXX expiration XXXX ccv XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
Several years ago we refinance our home using Fidelity Title Company in XXXX CA, we paid a courier fee of {$75.00} but we did not use them, we picked up our documents directly from them, they said they would refund the money but never did. 
recently there was a lawsuit against them on this very same issue however we have heard no further communication from the law firm or the court on this matter. 
We did communicate to Fidelity but we are not even sure which department to talk to or our reference number or other ID number and this is what they asked for. 
So we like at least our {$75.00} back or the law suite settlement money which ever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient has refused to work with my repayment, even those they requested an offer to settle, which I did. They immediately sent it to a collection agency. I have requested multiple written requested to work with the company and each time they continue to say that I must contact them via phone. I have request that ALL INFORMATION AND REQUEST BE IN WRITING ONLY. They have continuously refused to cooperate with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Pioneer Credit Recovery is Cursing me out hanging up in my face there not willing to negotiate at All. They are not even giving Tax payers a Chance to pay back on the Loans. I 've attempted to send them payments they will not except what I can afford to send them to pay off the loan. Pioneer Credit Recovery is the worst government collection agency collecting revenue for the United States of America. They continue to attempt to Garnish funds form my Job event after I have attempted to pay them and make Payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We entered into a loan modification with Bank of America. A bilateral agreement. B of A told us if we pass a 3 month trial period as agreed upon, we would get a loan modification. After successfully passing the 3 month trial period and proceeded to asked for the status of the loan modification the following month, B of A said the papers were being processed in New York and to continue making the new agreed upon payments. Nine months later B of A breached our lawful contract and denied the loan modification on some vague excuse that we made too much to qualify. In addition, B of A demanded that all the fees of the original loan including late charges be bought up to date and soon after proceeded with foreclosure. B of A filed felony documents in support of the foreclosure in the county hall of records. We filed a complaint with the Superior Court. The trial Judge dismissed the felony as a mere technicality. The actual words the Bank used was that " this kind of arrangement is commonplace and entirely proper within industry. '' Filing false documents is both a State and Federal felony offense. I successfully submitted an appeal to be assigned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Sveral months ago XXXX sold my mortgage back to Bank of America. I had previously fought with BOA with an attorney for 2 years unitl they gave the loan to XXXX.XXXX and I resolved the mortgage and a contract was drawn up changing my interest and payments to {$780.00} per month for 40 years and they would pay the taxes. This contract was signed by the VP of XXXX and myself as bonding as it was negotiated between attorney 's. Within 2 months of BOA taking the loan back they started adding fees for taxes, their attorney 's payments and insurance running the monthly mortgage payments over {$1100.00} per month and climbing. They refuse to acknowledge I have home owners insurance and requested to pay the taxes myself. I was never contracted to pay for their attorney 's fees as I paid for my own fighting with them and their repeated lies. Their unlawful demands are now hurting my credit. I owe {$190.00} on a home valued at approximately {$130.00}. And am ordered to pay the bank {$54000.00} cash when I turn XXXX years of age. I have been a XXXX for 32 years and am currently working for XXXX in XXXX, Pa.

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