vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-10 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In these years, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 credit card accounts were documented by the XXXX XXXX XXXX, as having been opened by me. Before I knew about Identify theft, I tried to fix these debited cards and amounts by making payments. I was never able to pay them off as the interest and fees were accruing faster than I could pay. Some months I paid {$500.00} or {$700.00} towards the balance. The balances got up into the thousands of dollars, not because I used them, authorized the card or owed the money, but because of fees and interest.
When I found out about identify theft, I sought to work something out with the bank. They denied my effort and made no remarks about the IT. I tried several times to report, to the bank and the credit reporting companies, when I had the name and information of the person who opened and used my information. One of the indictors was an address in XXXX XXXX, as being listed as mine. I never lived in XXXX XXXX, and with this new information, I was able to provide proof that I did not open, and I never lived in XXXX XXXX. Recently, I was able to get Experian to agree to Identity theft, and XXXX XXXX  and XXXX. However, they would not take the debt off. The XXXX XXXX XXXX  wrote off, discharged, the debts, totaling over {$20.00} and gave no reason. They sent me and the IRS a Tax Statement document so stating dated tax year XXXX. <P/>Here is the problem I need help with : The debts were discharged, and total amounts provided to the IRS. However the XXXX XXXX XXXX, continues to send to the 3 credit reporting companies, all 3 debts as still open, ongoing and continuing to accrue at thousands of dollars. They wrote it off, but continue to leave it on my report as an open and accumulating debt. This reporting by XXXX XXXX XXXX continues to ruin my credit, and appears that the debts and cards are still active. <P/>I had a credit card with XXXX, and it was for {$900.00}. When XXXX saw the above issues on my credit report, they lowered my credit to {$250.00}. I am in XXXX XXXX and use the XXXX card for my books and supplies. XXXX said they will restore my credit card to {$900.00} if I can prove that what is showing on those 3 reports is an error. I have tried to get the 3 companies to look at the charge off documents and told of the IT and gave them all of the particulars, as stated here. They did acknowledge Identity theft, but would not correct the XXXX XXXX XXXX charge off. The XXXX XXXX XXXX does not recognize its own charge off and has left it on their books as 3 open card accounts. Can you help me clear this up? 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 2017-06-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America NJ, continue reporting that I am a risk more than 10 years after I paid off all debts to them. And so could not get a bank account,  Apt   .  or buy a vehicle ; even though any fraud was discharged. At the time, a few of my paychecks bounced therefore a domino effect occurred. B of A blamed me solely, not the company I worked for. That being said, they subjected me to much ridicule. All while not communicating to me of the maximum damage they were causing a former good customer. Bank of America was a bank I opened an Account with while stationed on an   XXXX   XXXX   XXXX   in California USA, at less than  XXXX   XXXX   old    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 2017-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I began disputing with the credit bureaus as of  XXXX   2017 . Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus,  XXXX , Experian, and  XXXX . They have never provided me an update regarding me report thus making it difficult for me to review the activity on m y account. I have done research and am aware I should be receiving correspondences between 35 - 45 days which has not happen. In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why  I felt it necessary to express my concern.

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 2017-06-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I began disputing with the credit bureaus as of  XXXX   2017 . Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus,  XXXX ,  XXXX , and Transunion. They have never provided me an update regarding me report thus making it difficult for me to review the activity on my account. I have done research and am aware I should be receiving correspondences betwee n 35 - 45 days which has not happen. In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why I felt  it necessary to express my concern.

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 2017-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am a victim of identity theft.

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 2017-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
My husband and I each applied for an individual XXXX XXXX credit card in early XXXX 2017. Our application information was virtually identical as to address, time at residence ( 47 years ), home ownership, annual income, etc. The only differences were that I had a better FICO score ( over XXXX ) and I am a woman. My husband received his card immediately. I was initially asked to provide voluminous additional information, which I promptly submitted on XX/XX/XXXX. I received a phone call from Barclaycard acknowledging receipt of my information, but asking that I resubmit my Drivers License. I did so on XX/XX/XXXX. I have subsequently received three form letters from Barclaycard asking for the same information they acknowledged on the phone that they had already received satisfactorily. I have also phoned Barclaycard twice, and been left on the phone by the Customer Service department for many minutes before they just disconnected. I have never received an answer from Barclaycard as to why they are not issuing me the credit card. ( I am already a Barclaycard customer for two other brand cards, and have a perfect payment record on those cards. ) I believe I am being effectively denied the card, and not even given a reason for the failure to process my application, for the sole reason that I am a XXXX year old woman. This is a clear case of sex and age discrimination.

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 2017-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
The balance in  my TD B ank account ending in  XXXX  is overdrawn  XXXX , this includes a reversal credit in the amount of  XXXX . This credit is for a disputed transaction,  XXXX  from  XXXX  of  XXXX . This is a fraudulent transaction, received no service from this merchant and have not done business with them . TD Bank refuses to further investigate, I was told prior by a TD Bank rep that the credit was supposed to be permanent as the investigation was closed.. However, they rev ersed credit on  XXXX , overdrawing my account. The credit card authorization form provided as proof was not signed by myself, fraudulent. I 've attempted to resolve matter directly with merchant, however, they will not refund charge. I 've stopped direct deposit to this account, please advise  TD B ank I refuse to pay this charge and account will go into collection unless they credit back this charge. Please do not mark this as duplicate, there is additional information contained.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX are advising me that the bank is being slow and I got told that there doing wrong and for me to help out. If this is true on their be half please fix this problem there stating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My bank does n't update my acct information in a timely manner so I end up with nsf fees even when my acct is positive

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
American Education Services h as already reported me 30 days late, and I just received another threatening e-mail from them that they are going to report me 2 months late! I am in an approved forbearance. I just had to send them a payment of {$760.00} so that they hopefully not report me late when I am in an approved forbearance. I have already filed a complaint to have th e 30-day late removed. If they report me 60 days late, then I will have to fight to get the 60-day late removed when I am in a FORBEARANCE.   <P/> They approve forbearances, then they send me bills while I am in forbearance and they charge me late fees. I have attached many bills from them where I am clearly in a forbearance but they are still sending me bills and charging me late fees. I had 12 months of forbearance available to me in    XXXX   XXXX   XXXX   and they   continuously make me apply over and over and over again, every 2 months, even though the application clearly states that they can grant you up to 12 months with  one a pplication. Then in the processing time periods between applications, they harass me for a payment until they " approve '' my next forbearance for all o f 2 or  3 months. Then I make payments, like I did in    XXXX   XXXX   XXXX  , and  then they will backdate the start date of the forbearance to begin on a month that I MADE A PAYMENT, and then suddenly I have less a nd less forbearance available. The proof is there in the paperwork. My poor dad was my co-signer on one of my loans and because of this company, his credit score  dropped when he has credit scores in the  XXXX  and has never missed a payment.  <P/> CFPB, please help me with removing this late payment from my credit report. I need to refinance these loans and get away from this company and I can not do that with the late payment on my credit report. Because of the late payment reporting, my  credit score h as dropped  XXXX  points for a loan that I do n't even owe payments on because I AM IN FORBEARANCE. Please help me, CFPB. Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: AUTOMOTIVE CREDIT CORPORATION
State: DC

Complaint narrative:
Automotive Credit Corp.is maliciously reporting to all XXXX credit bureaus : XXXX, XXXX, and XXXX.Incorrectly wth regards to my status on account XXXX.I have 2 accounts with Automotive Credit Corp.One of which was closed due to refinancing.That is account XXXX.I 'm disputing there error of not acknowledging my last three payments in XX/XX/XXXX, and XX/XX/XXXX.Made on account XXXX PRIOR to Automotive Credit Corp.closing my account due to refinancing.Automotive Credit Corp in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XX/XX/XXXX.I went on XXXX credit reporting site as well.Submitted as proof that Automotive Credit Corp.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XX/XX/XXXX.That was my contractual obligation.To Automotive Credit Corp.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to Automotive Cedit in XX/XX/XXXX, and a {$100.00} payment made to Automotive Credit Corp inXX/XX/XXXX.Both payments were made on account XXXX 'm asking that Automotive Credit be held liable for accepting payment in the months of XXXX, and XX/XX/XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my XXXX credit report.Automotive Credit Corp.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.

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 2017-06-11 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: SC

Complaint narrative:
I have mailed a copy of the letter I received from the bankruptcy courts stating that they do not report a bankruptcy for me to any credit reporting agency.   I have sent a copy of this to Equifax, but they refuse to take it off the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: SC

Complaint narrative:
I have mailed a copy of the letter I received from the bankruptcy courts stating that they do not report a bankruptcy for me to any credit reporting agency.   I have sent a copy of this to Experian, but they refuse to take it off the 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 2017-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX.is maliciously reporting to all XXXX credit bureaus : XXXX, XXXX, and Transunion.Incorrectly wth regards to my status on account XXXX have 2 accounts with XXXX XXXX XXXX.One of which was closed due to refinancing.That is account XXXX.I 'm  disputing there error of not acknowledging my last three payments in XXXX XXXX, and XXXX XXXX.Made on account XXXX PRIOR to XXXX XXXX XXXX.closing my account due to refinancing.XXXX XXXX XXXX in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XXXX XXXX.I went on XXXX credit reporting site as well.Submitted as proof that XXXX XXXX XXXX.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XXXX XXXX.That was my contractual obligation.To XXXX XXXX XXXX.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to XXXX XXXX in XXXX XXXX, and a {$100.00} payment made to XXXX XXXX XXXX in XXXX XXXX.Both payments were made on account XXXX.I 'm asking that XXXX XXXX be held liable for accepting payment in the months of XXXX, and XXXX XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my XXXX credit report.XXXX XXXX XXXX.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.

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 2017-06-11 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: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX.is maliciously reporting to all three credit bureaus : Equifax, XXXX, and XXXX.Incorrectly wth regards to my status on account XXXX.I have 2 accounts with XXXX XXXX XXXX.One of which was closed due to refinancing.That is account XXXX.I 'm disputing there error of not acknowledging my last three payments in XX/XX/XXXX, and XX/XX/XXXX.Made on account XXXX PRIOR to XXXX XXXX XXXX.closing my account due to refinancing.XXXX XXXX XXXX in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XX/XX/XXXX.I went on XXXX credit reporting site as well.Submitted as proof that XXXX XXXX XXXX.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XX/XX/XXXX.That was my contractual obligation.To XXXX XXXX XXXX.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to XXXX XXXX in XX/XX/XXXX, and a {$100.00} payment made to XXXX XXXX XXXX in XX/XX/XXXX.Both payments were made on account XXXX.I 'm asking that XXXX XXXX be held liable for accepting payment in the months of XX/XX/XXXX, and XX/XX/XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my Equifax credit report.XXXX XXXX XXXX.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
My complaint is against the  USAA  mortgage procedures and the people who work in the USAA mortgage refinance section. I have been a member since late  XXXX . I am presently retired and purchased my home through the   XXXX   XXXX   XXXX  . I never had a problem with the   XXXX   XXXX   XXXX  . My trouble started when I refinance the house with USAA a bank located in Texas. The latest to the series of unprofessional practices happen recently when I tried to refinance the house once again. To keep things short ; the  USAA  Mortgage section without informing me or calling me just simply change, on their own, the loan amount. It was raised by {$1700.00} and my closing fee increase by 400 %. I am sure they hope I would not notice it. The loan should have been lower since  five  days before I made another payment to the bank under the present loan reducing my principal, but they increase the loan amount. All of this without previous notice and on the same day the title company notified me that closing is next. No heads up and they did this a couple of days when we where suppose to close who do they think they are? Am I supposed to sign a contract that they keep changing to hours before we close? I should have known since I was unable to speak with the loan manager. She conveniently made herself unavailable routing me continuously to other several individuals who where clueless about my refinance. They were automats who did things according to their method-operandi without any regard, respect, understanding, listening to me. It was difficult the hold way. No one person , USAA contractor , had the authority to listen just the original loan  manager  had the power but was unavailable all of the time.   Anyone who feels they have to re-finance and you are pushing  XXXX , I STRONGLY suggest go somewhere else. This people feel that if you are old you can be taken advantage. Beware - USAA have change a lot and they rather have a pound of your flesh than to respect your needs.   They should not be allowed to operate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation