vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Eight years ago I had to file a bankruptcy. I have worked REALLY hard to get my credit score over 700. In fact, I was able to purchase a house. First, I thought a bankruptcy was only supposed to be on your credit report for 7 years. Second, I thought having a great credit score and also paying every bill on time for the last 8 years there would be no problem in getting a credit card. ( and, I might add, increased salary as well ) Recently, I tried with XXXX. Denied - one derogatory mark - bankruptcy was what the reason was. Next, I wanted to get a credit card with the bank I am using. Again, denied. And I told the bank manager who helped be complete the application that I could bet money I'd be denied but thought I'd try one more time. I feel abused and penalized for something that has been dealt with and no longer should exist on my report. Now, if I must wait for 10 years, okay - not real happy about that but what does the little person have to fight the giant with, right? I hated to have to file bankruptcy and tried everything I could think of not to have to do it. I've decided not to let this " bankruptcy '' determine my happiness, but it really is not nice having to be denied when that was a long time ago. Please help me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A XXXX XXXX credit card that was opened in XXXX was sold to a debt collector XXXX and I settled with them in XXXX of XXXX. In XXXX XXXX notified XXXX  and the account was deleted from my report but XXXX  and Experian re aged account with severe derogatory status and I have been denied 3 loans recently.

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 2018-09-24 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I had car insurance with XXXX XXXX insurance company. In XXXX I was notified rates went up so I switched to XXXX. I thought my new policy back dated to XX/XX/XXXX but I later found out it was set to start XX/XX/XXXX. I was sent a balance letter of {$59.00}. XX/XX/XXXX I was in the hospital and after being released and put on bed rest I put aside sending the payment. I then entered rehab for over a month and when I was able to tend to my affairs I came across a letter from XXXX XXXX XXXX. They were attempting to collect the {$59.00} from XXXX XXXX that wasn't even 90 days owed at the time of the 1st letter ... I had two letters in my stack of mail. At the top of that next month which was XXXX, I sent the credit agency a money order for {$9.00} on XX/XX/XXXX. I know it wasn't much but I'm on Social security and I was attempting to pay so I sent what I could so it wouldn't go to my credit report. That very next day I received another letter from the credit agency that stated they were offering me an 80 % settlement and to call or mail payment, BUT It didnt specify to send payment IN FULL. Its important to note that at this time it was not on my credit. 
On XX/XX/XXXX I received a notification from XXXX XXXX stating my score had dramatically dropped. I checked my report a was blown away because XXXX XXXX XXXX had put the dept on my report AFTER I BEGAN MAKING PAYMENTS. They listed I owed {$50.00} not the 80 % settlement they offered me. Not to mention the original dept owed on my report states {$59.00} not the actual {$59.00}, I know it's only pennies but it's inaccurate. They had no right to place this on my report AFTER I began paying. I'm seeking for them to remove this from my credit report and honor the 80 % settlement they offered me. That will leave me owing as of today XXXX {$38.00}. If they weren't going to honor my attempt to pay and place this on my report then they shouldn't have cashed my money order.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is my second complaint against Equifax for doing the exact same thing twice. The first time I complained to the cfpb about them retaliating against me for complaining to them and fileing a dispute against a collection agency. The first time Equifax dropped my credit score by XXXX points because I dared question Equifax about their business practices and I felt they were retaliating against me for questioning them. On XX/XX/2018 I filed a dispute against the same creditor. On XX/XX/2018 my credit score dropped by XXXX points again. I know Equifax will make up some excuse for doing this to me again. But it has become very clear that " Retaliation '' seems to be a common practice at Equifax. There is no reason for my credit score to drop XXXX points again when in all actuality my credit score should be improving and the other two credit reporting agencies both show my credit score improving. I have printed copies of my credit score from the other two agencies and they both show my score going up by XXXX points, only Equifax shows my score going down by XXXX points. Equifax who has alot of control over peoples finances should not be allowed to ruin peoples lives financially, especially when they are doing it in retalliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: NC

Complaint narrative:
I have several months that are not being reported to the credit bureaus that shows my account as current for all months. The missing months include that following : XXXX XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a dispute to Experian and XXXX  about a bankruptcy public record in XX/XX/2018. The company has failed to remove any account and responded back as verified accounts ''. Therefore, since they failed to comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. XXXX  deleted an inaccurately reporting Bankruptcy off of my credit file and reinserted it without a written five day notice which is a violation of the Fair Credit Reporting Act. Experian and XXXX  have not provided any documentation ; they did not confirm who verified the information or what company. The local Bankruptcy court stating they dont report to any Bureaus, so how can Experian and XXXX not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else? They keep saying a Company verified but never say which company. The court has already said in writing they did not communicate with Experian or XXXX. So, how did they verify??? I have repeatedly sent them requests for VALIDATION which they have failed to provide. The public records law states that a public record must contain all of the following in order to remain in a consumers credit file : Name, DOB, SSN, and address which this public record does not. Furthermore, they are reporting inaccurate public information on my file and it is hindering my ability to obtain credit. I would like for this account to be deleted immediately and not reinserted again.

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 2018-09-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington Bank, XXXX, OH I have a long standing loan for mortgage that last month I tried to pay off in full. I went to my local Huntington Bank branch in person asking for a payoff amount good for that day/date. Teller advised me it was my monthly payment amount - once paid - it would satisfy my mortgage and a mortgage satisfaction would be filed by the bank. Last week I received an invoice for the loan in the mail from Huntington Bank stating I owed {$1.00}. I went into the same Huntington Bank branch ( XXXX, PA office ) where the teller said that she would give a copy of the invoice to her manager and that I did not need to pay anything. After that visit today, I call XXXX ( loan manager ) at the XXXX, PA office where I was directed into voicemail. I was told to call XXXX via Huntington Bank 's XXXX customer service number. XXXX XXXX voicemail stated that the system was not operational so message could not be left. As I need to have this real estate shown as free and clear - I need the mortgage satisfaction filed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Collection Consultants of California
State: NV

Complaint narrative:
Dear Sir/Madame : Approximately 1 year ago, it came to my attention that erroneous information was present on my credit report. I immediately contacted the collection agency regarding this matter via phone and then via written mail. My initial contact with the collection agency was met with hostility ultimately terminating in vile words being exchanged. After researching the matter, I determined that the collection agency was required by federal law to " verify the accuracy '' of the information being reported. Federal law is very clear concerning this matter. In my case, the data being reported is are three delinquent medical bills. Because of the nature of the bills, I requested very specific information regarding the debt that must be maintained and provided upon request. As this date, the information has not been provided nor have the accounts been removed from my credit profile. After further research, I determined that the credit reporting agency is required by federal and state law to " verify '' any disputed debt or remove the delinquent account ( s ) from the consumer 's profile. I immediately contacted XXXX, first via telephone and ultimately through multiple letters sent via certified mail to have the " debt verified '' or removed from my credit profile. Again, during the debt verification process, I have requested very specific information which is required under federal law to be disclosed upon request or have the accounts removed from my credit profile without prejudice. On at least two occasions, XXXX has contacted me via U.S. mail stating that the accounts have been verified but have not provided me with any of the information I have requested. In addition, they have refused to remove the delinquent accounts from my credit profile. As a result, I have taken the liberty of contacting an attorney regarding this matter. Through our research, we have determined that the collection company ( Collection Consultants of California ) has a well documented history of implementing deceitful, illegal and immoral practices. As a result, they have been successfully sued multiple times, currently maintain a grade of F with the XXXX XXXX XXXX   and a currently facing multiple lawsuits in both state and federal court. These facts were disclosed to XXXX, yet the steadfast refuse to remove the accounts. In a final attempt to resolve this matter without entering litigation, I have been advised to contact you to have this matter investigated and resolved. Thank you in advance for your cooperation and concern. I am truly appreciative of any efforts you make to resolve this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: ID

Complaint narrative:
When I noticed my credit score fell from XXXX to XXXX I requested a CREDIT REPORT FROM EXPERIAN. THEN I CALED TO CORRECT GROSSLY MISINFORMATION THAT I HAD REQUESTED A CREDIT CARD BE CLOSED, among other stuff i.e. that I had a credit card balance of over {$200000.00}. I also requested that an explanation of my one late payment since the early 2000 's reflect that I was in hospital. I then got the credit card company to call XXXX and all they corrected was that I didn't owe {$200000.00}. Instead of showing that m card was closed in XX/XX/XXXX, the new report from Experian showed it was closed in XXXX! I again called the credit card company that sent me a letter stating my account was open and sent a coy of that letter to Experian. I sent a letter to two different P.O. Boxes that Experian uses. This problem has yet to be corrected despite numerous attempts by XXXX and myself. Currently I have a bad case o XXXX and am not driving, but to the bank and food store. The method of disputing claims on line is too difficult for XXXX seniors using public computers with assistance. These credit reporting agencies should be put out of business because of these user unfriendly practices. XXXX XXXX., XXXX  XXXX  and 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 2018-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Good Afternoon, I am reaching out for assistance as I have been attempting to work with Chase Bank in regards to a checking account that has been opened fraudulently in my maiden name ( XXXX XXXX XXXX ) and SSN. I reported this claim immediately once I had discovered that the account was showing in my online accounts on XX/XX/2018. Unfortunately this has been mishandled from the very beginning and I have been able to get very little information from XXXX in regards to the Identity Theft that had occurred resulting in the fraudulently opened an account. I am hoping that you will be able to offer assistance as I have missed work in attempts to resolve this and there seems to be very little progress. I recently received a letter stating I have 30 days to complete this claim but fear that I will be able to resolve the situation within this time frame as XXXX has not been able to tell me if they received the documents that I have sent as well as provided me incorrect instructions when I initially reported the matter. Any assistance that you can provide is greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have duplicate marks showing closed & open with my school loans several times ( due to them selling my account without me knowing ) reporting on my credit report. I have called and talked to someone but they are telling me it will go away. That was 6 months ago. I call every other month and keep getting the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Having seen ads on line about a XXXX XXXX credit card giving elite status miles ( XXXX ) on XXXX XXXX after spending {$40000.00} with the card, we applied for the card. Barclays Bank issues the card. We called several times and were told on the phone by the Bank representative that we could not apply directly for the Silver Card, that instead we had to apply first for the " XXXX XXXX '' card, and that after using it for 3 months we could upgrade to the Silver card. We explained that we only wanted the Silver card because we wanted the XXXX elite miles toward status on XXXX XXXX. We called several times seeking the Silver card, and each time were told that we first had to apply for the Red Card, and then after 3 months of using the Red Card we could upgrade to the Silver card. We were told that all expenditures on the Red Card would transfer to the Silver card as would the fee we paid for the Red card. So we applied for the Red Card, paid the fee, and used the card exclusively for 3 months ( forgoing use of other cards that offered other benefits ). In mid-XX/XX/2018 after we had used the Red card for more than 3 months, we called to upgrade to the Silver card. However we were told that there would be no more upgrades to the Silver card for the rest of XX/XX/XXXX. We were never told that upgrading to the Silver card was merely an option that Barclays bank could cancel at any time during our use of the Red Card. Had we been told that, we would not have applied for, paid the fee, and used the Red Card. We wanted the extra status miles based on our card usage for XX/XX/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 2018-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America told me that they would send a loan modification package. I contacted Bank of America and was told that Bank Of America made a mistake and sent the loan modification paperwork and payment schedule to the wrong address as well as sending it past the first due date of the trial payment. On XX/XX/XXXX, Bank of America informed me that they would send me another loan modification package. In the meantime, Bank of America has put my home into foreclosure before receiving the loan modification paperwork. Please help

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 2018-09-24 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 originated a private student loan from Sallie Mae, that is now Navient. I have been unable to pay the company, they would not allow for any further deferrance or a forbearance, at the time. The debt has now been sent to collections. On two occasions, I have recieved information that people associated with family members, who are not a spouse of me or the cosigner, have been contacted by the company regarding the debt. I am not sure how the company got the information of these individuals because they are not involved with the debt, and were never listed as contacts or references on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a dispute to XXXX  and Equifax about a bankruptcy public record in XX/XX/2018. The company has failed to remove any account and responded back as verified accounts ''. Therefore, since they failed to comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. Equifax deleted an inaccurately reporting Bankruptcy off of my credit file and reinserted it without a written five day notice which is a violation of the Fair Credit Reporting Act. XXXX and Equifax have not provided any documentation ; they did not confirm who verified the information or what company. The local Bankruptcy court stating they dont report to any Bureaus, so how can XXXX and Equifax not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else? They keep saying a Company verified but never say which company. The court has already said in writing they did not communicate with XXXX or Equifax. So, how did they verify??? I have repeatedly sent them requests for VALIDATION which they have failed to provide. The public records law states that a public record must contain all of the following in order to remain in a consumers credit file : Name, DOB, SSN, and address which this public record does not. Furthermore, they are reporting inaccurate public information on my file and it is hindering my ability to obtain credit. I would like for this account to be deleted immediately and not reinserted again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
PennyMac misappropriated the entirety of multiple payments as " Principal Reduction '' as opposed to " Payment '' and then proceeded to charge a series of late fees. When attention was raised PennyMac agreed to withdraw only the most recent late fee.

Company response to consumer: Closed with monetary relief