vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-10 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: GA

Complaint narrative:
I contacted XXXX, spoke with XXXX XXXX ( Special Handling Supervisor ) to dispute the three US Bankruptcy items on my credit report. I asked XXXX to verify and validate where he received his information about the US Bankruptcy files. XXXX stated, " we verified this information straight from the US Bankruptcy courts. I then asked if he could send me a letter validating the information in regards to the US Bankruptcy items on my credit report. XXXX  stated, : I would need a subpoena to validate that information. I then advised XXXX, that I contacted the courts whom stated they do not give out any information pertaining to any bankruptcy cases. I then asked to speak with his supervisor. I spoke with XXXX XXXX  whom stated, " they verified this information with a third party vendor and then turned around an stated that they verified this information straight from the courts. I submitted XXXX letter asking for this information to be validated and a letter sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: GA

Complaint narrative:
I contacted XXXX, spoke with XXXX XXXX ( Special Handling Supervisor ) to dispute the three US Bankruptcy items on my credit report. I asked XXXX to verify and validate where he received his information about the US Bankruptcy files. XXXX stated, " we verified this information straight from the US Bankruptcy courts. I then asked if he could send me a letter validating the information in regards to the US Bankruptcy items on my credit report. XXXX  stated, : I would need a subpoena to validate that information. I then advised XXXX, that I contacted the courts whom stated they do not give out any information pertaining to any bankruptcy cases. I then asked to speak with his supervisor. I spoke with XXXX XXXX  whom stated, " they verified this information with a third party vendor and then turned around an stated that they verified this information straight from the courts. I submitted XXXX letter asking for this information to be validated and a letter sent out.

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 2017-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have a private loan that I am own without a cosigner. There have be two separate instances where Wells Fargo has called others in my family ( Wife and Mother ) besides myself looking for me. I have never given permission for others to be contacted and both do not understand how they were even contacted since they are not on my loan.

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 2017-08-10 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I filed for XXXX XXXX bankruptcy and included my American Express account and my XXXX XXXX  Financial account. I disputed the information through all the credit bureaus but XXXX and XXXX reports have not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have PayPal Credit. A feature they advertise is that if you buy something, you get 6 months no payment/no interest. I made two purchases through PayPal with PayPal Credit. PayPal Credit refused to apply the no payment/interest promotion to these purchases. This is because apparently if you choose to pay for goods and services through the " send money '' feature on PayPal they do n't qualify. PayPal never made this explicitly clear when they changed their terms, not do they warn you when you pay for the transaction. It is deceptive advertising for them to say it 's 6 months no payment/interest over a certain amount when PayPal purchases ( which is what you use PayPal credit for ) do n't qualify. It 's a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX XXXX remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I have a currently have to collection accounts listed on my credit report by a debt collection agency First Federal credit control on behalf of XXXX XXXX XXXX XXXX, in the amount of XXXX and another amount of XXXX. First Federal Credit control is not license in the state of Florida and therefore I am disputing this collection account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: MA

Complaint narrative:
My credit report shows a closed account which is closed and paid in full. There is a comment that says late two or three times. I was never late on this account. The account is XXXX XXXX # XXXX. XXXX has not reported this account late at all which is the way it actually was. You have 30 Days to remove this derogatory statement from my report as per the FCRA.

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 2017-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have XXXX accounts with Midland Funding. I have  requested debt verification more than one time and this company has not provided me that information. It has been more than 80 days and no information has been provided to me from this company. I 'm requesting that since this company has failed to provide me with information, that this account be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I paid loan in full on XXXX XXXX, XXXX. Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX, Ok.sent me on XXXX XXXX, XXXX what was suppose to be the necessary releases to get lien released and get a clear title. I submitted request to Tennessee DMV with necessary documentation provided by Caliber Home Loans. DMV returned paperwork to me showing that a lien from XXXX XXXX XXXX XXXX XXXX XXXX , Ga. XXXX was shown as lienholder. I called Caliber and was instructed to contact the release dept. via e-mail. They would not give me a phone number. A copy of e-mail correspondence is attached. My primary complaint is that I was promised on XXXX XXXX, XXXX that Power of Attorney to get lien released would be mailed that day. I can not sell or trade motorhome with the release of lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
ECMC has been taking my tax returns to pay off private student loans for 4 + years. When asked for a statement showing all my tax returns being applied to open loans they can not provide me with any prof!!!! It has been at least 4 years at at least {$2000.00} per year, they have also been taking my state returns at about {$100.00} per year. That 's well over : {$8500.00} estimate. Yet they still claim I owe them the whole balance of {$13000.00}. MY loans should be at {$4500.00} NOT {$13000.00} I have read online that I am not the only person that this is happening to. It is scary and I honestly feel like these loans should be forgiven. The schools I attended have both lost their accreditation. Both have also been involved in class action lawsuits.. I am at a loss about what 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 2017-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On Tuesday XX/XX/XXXX 2017, I contacted Trans union regarding a copy of my Credit File received by me. The entire conversation was meaningless. The person I spoke with was not fluent in English and was very hard to understand. The entire conversation became very difficult and I eventually hung up the telephone. First and foremost, I do not like the ideal of Trans Union changing dates from the original date in which a Collection Agency reports to Trans Union.  Just because the original creditor keeps selling the debt to different Collection Agencies gives Trans Union no reason the change the original reported date. By handling the situation in this manner will only continue to have the reported amount linger on the report much longer than the original stature of seven ( 7 ) years from the dated it is reported. In disputing the creditor XXXX XXXX XXXX # XXXX Amount {$750.00} From XXXX XXXX XXXX XXXX Hospital, I ask for this agency to provide me with a copy of a statement of items to link me to the bill of & XXXX. All Account Resolution Service Accounts # XXXX were asked by me for Trans Union to ask for a copy of statements of listed items linking me to the bills listed. XXXX, the person I spoke with said he could not ask the Collection Agency for what I was requesting. I asked why? I have asked for theses documents upon several occasions and was brushed off as if this was not important. I personal contacted XXXX XXXX XXXX regarding account # XXXX amount {$680.00} for documents with my signature to be mailed to me. I was told that I was not getting any such paperwork and I needed to pay the bill. Maybe I will if indeed their is paperwork with my siguture attache to it. I also noticed the XXXX XXXX account is in good standing, but separated from the Satisfactory accounts listed. I would like that to be corrected immediately. XXXX seems to to have too much extermination to correct the items on a credit report without letting the Agencies take care of the request themselves. I have reason to believe he feels he has to help the Creditors in some way, and they need to be protected. I remind him he was in Customer Service to provide a service to the Public,  not to make decisions that is not in his Scope of Responsibilities. If I am accused of having accounts reported to the three Credit Bureaus and feel that information is not true, then I would ask for proof.

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 2017-08-10 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: OH

Complaint narrative:
this issue concerns all three reporting credit bureaus I firm believer that the credit bureaus share information not only about your credit history and behavior but also about your race. beginning back in XXXX I began to rebuild and repair my credit I have worked very hard at this and I have been able to break XXXX on my credit score. as soon as I get as high as XXXX or XXXX one of the three credit bureaus will place something on my credit report that drives my score back to the XXXX to XXXX range and 9 times out of 10 it is in accurate or being reported incorrectly example one of the three will take inserts from my bankruptcy filed in XXXX put on credit report XXXX just happen put XXXX XXXX on as charge off late 90 days + they did correct it after I contacted them. but this hurt my score but this the type of issues that I have to keep dealing with. I feel that this is very unfair treatment and design to keep your credit score from breaking that XXXX score as a small XXXX business this practice greatly inhibits my ability to grow I can not obtain line of credit that I need to move forward. and I have lost out on opportunity 's that come my way I pray to XXXX that can be fixed and this behavior by three reporting agency addressed and fixed.

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 2017-08-10 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: MD

Complaint narrative:
I called Navient last year around approximately XXXX  XXXX XXXX to consider me for income based repayment. They told me to let my cosigner pay my bills. I talked to the collection department at XXXX. Then I called last week on XXXX/XXXX/XXXX to request copies of my promissory note because I was concerned about the recent interest rates hikes coinciding at the same time I am over paying to bring down the debt. I told Navient it is very suspicious that in the past my payments did not increase but when I start paying more, my payments increased. They told me it was due to " libor rate '' I asked why the libor rate was not used in the past but only when I start making extra payments. They said they will send me information on libor rate in the mail and so am still waiting for a copy of my promissory note. In less than 6 months my interest rate increased. In XXXX XXXX, the rate was 9.375 %. Then in XXXX XXXX it was 9.62 %, Then in XXXX XXXX it was increased to 9.75 %, Then in XXXX XXXX it increased to 9.85 %, then in XXXX XXXX increased to 10 %. It is intersting to note that this libor rate coincides with me trying to pay more than my minimum payment to bring down my debt. The rate at which this libor rate according to Navient is going, I personally do not see how I can pay down this debt. The more I pay, the more Interest rates hike by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I filed for Chapter XXXX bankruptcy and included my XXXX XXXX account and my Wells Fargo Financial account. I disputed the information through all the credit bureaus but XXXX and XXXX reports have not updated.

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 2017-08-10 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: TX

Complaint narrative:
I am having a issues with the rep XXXX to help dispute items that are over the statute of limitations and she is telling me to contact the debt holder but these items should be removed because they are over the 7 year limits and some have been transferred to another lender and reporting on my report twice. Equifax refuses to remove or help me dispute the items listed below. XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$2200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs, 6 mos ) Term 120 months XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 8 yrs, 5 mos ) Term months {$410.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$410.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term 6 months XXXX XXXX XXXX - {$210.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$210.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XXXX this year Bank of America sent a letter notifying me that my credit card was included in some kind of security breach or fraud and that they would be changing to a new credit card account. I received this card in the mail a few weeks later. I use XXXX XXXX Bill Pay to pay the credit card by the due dates. Since they changed the account I had not changed it on the Bill Pay and it the payments were rejected for two months. I received no phone calls or letters notifying me of the missed payment until it was right before the second payment would be late. They have since reported the missed payment to XXXX credit reporting agency as more than 60 days late. I have tried multiple times in the past year to use Bank of America 's automatic payment services, but each time it has rejected my checking account from XXXX XXXX. It seems to take 4 weeks for each attempt that I submit. I did not receive any additional information as to why it failed to enroll. I should not be punished for the unreasonable responses to my attempts to pay. They could have applied the payment to the new account, noting the previous account and forwarding the payment to the correct account and notifying me. It is not my fault that there was a breach of security. I did not request my account number to change. They could have called the phone numbers on file. They could send texts to my phone. They could have sent letters when they noticed attempts to pay to the wrong account. There are many ways that this could have gone better. I am about to relocate and purchase a new home and this unfairly damages my credit. I am rather upset about the absolute indifference shown over credit reporting when related to failure of merchants and banks to secure credit cards. Stop making it so difficult to pay my debts! I know you make a huge portion of profits out of late payments and other fees! Of course you would n't be fair and reasonable when it would be detrimental to your primary source of income and profits! This is little more than a gross exploitation of the trust we place in you over our livelihood. Somebody else XXXX up and I have to pay for it?

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 2017-08-10 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:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX Please remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.

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 2017-08-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX Please remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.

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