vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The accounts listed below are showing inaccurate information. The late and missed payments were removed by the companies when i submitted my goodwill letter and enrolled in auto pay. I disputed with Experian and the innacuracy was updated, which lets me know that the companies XXXX, and XXXX Bank were not contacted by Experian at all..Tis information is reported falsely and innacurately by the Experian, which is hurting my credit score. 
XXXX Credit Card XX/XX/2014 Open - Current 1 Missed Payment {$33.00} 8 % of Credit Limit* XXXX Credit Card XX/XX/2014 Closed 3 Missed Payments {$0.00} XXXX Credit Card XX/XX/2014 Open - Current 4 Missed Payments {$10.00} 2 % of Credit Limit* XXXX Credit Card XX/XX/2014 Open - Current 5 Missed Payments {$4.00} 2 % of Credit Limit*

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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has willfully violated the Fair Credit Reporting Act ( FCRA ) by not conducting a proper re-investigation nor providing me with the proper documentation to validate that the state tax lien in the amount of {$2500.00} that is listed on my credit report is being reported accurately. 

My original correspondence dated XX/XX/2016 requested that Equifax validate this information with the XXXX County Recorder of Deeds and obtain any documentation that would prove this information was valid. Equifax response dated XX/XX/2016 indicated they verified the state tax lien and listed the address and phone number of the XXXX County Recorder of Deeds only. I followed up with a second correspondence dated XX/XX/2016 requesting from Equifax a full description of the steps they took to validate that the state tax lien was indeed being reported accurately. I specifically requested they provide the names, addresses, and telephone numbers of each person contacted at the XXXX County Recorder of Deeds office whom they alleged validated this lien. Once again, Equifax response dated XX/XX/2016 listed the same information from their previous correspondence listing the item was verified as before. 

On XX/XX/2016, I contacted the XXXX County Recorder of Deeds and spoke with XXXX to verify if the state tax lien Equifax was reporting was being accurately reported by their office. Not only did she inform that I do not have a state tax lien, but also that the XXXX County Recorder does not report liens to the credit bureaus nor verify the information reported by third-party research firms are accurate. I promptly sent a third correspondence dated XX/XX/2016 informing Equifax of their inaccurate reporting, negligent validation methods, and requested they remove this blatant inaccuracy from my credit report. Equifax responded on XX/XX/2016 stating the information was verified through a third-party vendor named XXXX. 

Please note that, as in XXXX ( XXXX XXXX ) XXXX Fed. XXXX ; and XXXX, the courts stated that verification can only be attained from a party with first-hand knowledge. A third-party vendor such as XXXX does not have first-hand knowledge and as such is considered hearsay and hearsay inadmissible and incompetent and does not constitute verification. 

As you have witnessed, Equifax has willfully and blatantly violated the Fair Credit Reporting Act ( FCRA ) on multiple occasions with regards to my request for them to validate the state tax lien they are inaccurately reporting on my credit report. They have been irresponsible in the way they have conducted the re-investigation and engaged in deceitful practices that the court have deemed inadmissible and incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I almost lost my home. Thanks to help from several agencies I got help. The last mortgage modification I got was supposed to square everything. They put a lien on my home for mire than XXXX. Put me back to owing 30 years on the mortgage. The rate went down to 4.25 I believe. This is all fine I guess, but for the last 6 to 8 months, it is hard to decipher, they keep adding charges on that no one can explain to me what they are or where they came from.Once a Rep for Bank of America told me they were charges from before the modification. I told her I thought that was odd that those would not have been taken care of through the modification. She found it odd as well but could not do anything about it. At that time I owed {$90.00} in ghost charges and was told they were not due until my home was sold or refinanced, and no interest was being charged.The agreement for the mod is a certain amount, the " regular payment '' on the statement is a different amount, and it now always shows late fees and penalties of {$15.00} that I guess rolls over every month like it is not a new charge? I have not missed or been late on a payment since the mod. I got my home loan statement from them yesterday and now shows a payment due of {$160.00} more than the agreed upon payment. It just keeps going up and up. I am tired of spending hours on the phone to end up having someone give me some silly answer that even they do not understand. Hope you can 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 monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed multiple inquiries on my report as not being mine as I hadnt applied for credit for a few years now. Some inquiries were removed but showed back up on my report. I 'm requesting that all inquiries without an open account be removed as I have yet to hear back from anyone concerning these fraudulent inquiries

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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed the Chapter XXXX Bankruptcy that is on my credit report with Equifax and they did an investigation and after 1 days time I received a response from Equifax stating the investigation was complete and the report was accurate. I called the Federal Bankruptcy Court in XXXX and I was advised that once they report it to the XXXX credit reporting agencies they do not report it again or ever update it. I was told by Equifax that the info was obtained from XXXX. I called them and they removed all information from their database. I again filed another dispute and received the exact information from Equifax that the information was verified through XXXX but I never told Equifax that XXXX had removed all the info on the bankruptcy a moth prior to me filing the second dispute. I asked them to remove it from my file since it could not be verified through their contact XXXX and they refused to remove it so they are reporting this under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following accounts that Experian continues to report on my credit file : Bankruptcy Case ID # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. 

I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documents. 
Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Experian so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. Along with my other accounts. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. Experian informed me that they where not going to reinvestigate this information again unlessI send additional relevant information. I have also updated my name numerous times. It is now reporting wrong which is not being factual. 
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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. 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 non-monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I have disputed my concern that Experian reporting in my credit report that i have Consumer finance account XXXX of them but it is inaccurate please investigate and remove that inaccurate and false information from my credit repot. I have attache the proof of the fact that is reporting.

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 2017-04-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My XXXX credit report shows an unauthorized credit inquiry from Ally Financial on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted the lender requesting removal, but my request was ignored.

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 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Your options do not list the proper option for this issue. XXXX is trying to collect a debt that I do not owe. They sued me and I won the law suit. The court determined this is NOT MY DEBT. I have attached both the judgement resolution AND the copy of the Equifax file stating that they contacted XXXX and are leaving it on the file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
In XX/XX/XXXX Barclay XXXX offered XXXX service members the luxury card for 0 % interest. I called the company prior to applying and they told me the annual fee of {$990.00} would also be waived. Soon after my card arrived, Barclay sent a letter in the mail stating I would receive the 0 % APR in my billing statement ending XXXX. The letter stated they may end the introductory APR and the penalty APR if I make a late payment ( which I 've never done ). XX/XX/XXXX I received a letter stating they were going to charge my card {$990.00} for the year and my 0 % APR ends when I 'm no longer on XXXX. Barclay customer service has been great and their concierge service is second-to-none. It 's upsetting I have a letter in writing stating I would receive these benefits until XXXX and now are changing the terms. The offer they provided caused me to stop using my other cards and only using the Barclay Gold Card. I did n't expect them to execute a " bait-and-switch '' due to their professionalism which I 've experienced over the last year.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed the referenced accounts above on XX/XX/2017 and XX/XX/2017. The credit report and alert received on XX/XX/2017 showed the item was removed between the date of XX/XX/XXXX - XX/XX/2017. The credit report and alert received on XX/XX/2017 showed the item was removed between the dates of XX/XX/XXXX-XX/XX/2017. As of XX/XX/2017, Equifax now shows the items have been reinserted on my credit report on credit file confirmation # XXXX Therefore, I need your assistance in having Equifax remove the negative item due to violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed XXXX Items on my report with experian for re-aging of accounts as accounts were bought by debt collector. Have been paid but do not show the original date of delinquency from original creditor just date debt collector bought and closed. I received response to MY MOV ( method of verification ) LETTER in which they supplied no proof of an investigation and left XXXX accounts on file saying information updated. Now XXXX and XXXX both removed items immediately. Experian chooses to keep listing and as a matter of fact these accounts have been disputed 4 times already along with others and not once has any method of verification been done. You, consumer protection have filed one before for me and it seems all they do is ignore you and ignore myself. Im really getting tired. They have also locked me out of their online site. The object is to one keep people from filing complaints and two to not do their job properly. In mean time consumers get screwed. Im not asking for this to be investigated or reinvestigated or re re investigated as they have had more than ample time to do since first dispute filed in XX/XX/2017. Last being in XX/XX/2017. I want these items totally removed immediately just as XXXX and XXXX did. From now on these companies need to start supplying proof they actually did a proper investigation and supply the names and numbers of people they talked to directly along with documentation. This XXXX has to stop. The XXXX accounts I have included the last request for method of verification with this. I request this also be sent to FTC as this is rediculous you cant get anyone to do their job. Experian response came to me dated XX/XX/2017 Report XXXX I think experian needs to learn law when a request for method of verification is sent to them it isnt to send a form letter or start a new investigation of already supposedly investigated information its to provide proof as sited in the courts that a legitimate and proper investigation was done and if they have no proof they shouldnt report item. Time is out going on XX/XX/XXXX days by law they have 15 days no proof then remove items. I just dont get this company experian. Im learning quick that violating law is how you run a business.

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 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have repeatedly requested for documentation from XXXX to verify the debt of {$1300.00} that is reported on my file. They after repeated attempts have not sent me the documention to verify said debt and I disputed the debt with Equifax. Equifax informed me that their investigation consists on them taking the word of XXXX that they have the documentation for the debt, when I requested what documentation they had received to verify the debt they informed me they have n't they are taking the XXXX company at their word. XXXX is subject to a True Consent order imposed to them via a legal action and at this stage have not provided any evidence to me or to the reporting ageny for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a problem with ; CHASE My mortgage account with them is XXXX XXXX My XXXX 2017 mortgage payment was due XXXX 2017. The terms of the note allow 15 days from the due date to make a payment without penalty. 
On XXXX, 2017 at XXXX local time from Hawaii, I went online to my account with Chase and made the required mortgage payment. The payment was made within the allotted grace period time. 

They charged a late charge anyhow. 

I asked them to remove the late charge. 

1 ) They sent a letter to me refusing to remove the late charge 2 ) They sent a letter to me that assigned a dedicated relationship manager to the account with a " direct contact '' phone number. The letter is a lie. No direct contact number is provided. Only a general phone number in which I am forced to listen to a voice menu of five minutes in length. Despite repeated attempts to reach the " dedicated '' relationship manager I have remained unsuccessful. 

I want ; 1 ) A written apology 2 ) A reversal of the late charge 3 ) Reimbursement for the loss of my time 4 ) An investigation into the practice of assigning nonexistent relationship managers and the deliberate lying practice of assigning a " direct phone number '' when no such number is provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have late payments reporting on MY Credit file which has been removed by the following companies XXXX it 's showing XXXX late payment & lt ; should be showing zero & gt ; I made an agreement with the company and they removed all late payments, and its still showing up on my credit report. 
Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type XXXX Status XXXX - Paid Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$2500.00} Term -- XXXX {$0.00} Responsibility XXXX Balance {$0.00} This is the XXXX XXXX XXXX XXXX showing XXXX missed payments which are inaccurate as well. 
XXXX XXXX is showing XXXX missed payments i sent in Goodwill Letter to creditor and they removed all missed payments because i signed up for auto pay. Still reporting on my credit file. 
XXXX XXXX XXXX XXXX, XXXX Open - Current XXXX Missed Payments They also removed all missed and late payments when i signed up for Auto pay along with Goodwill Letter. 
I disputed these accounts and late payments with the credit beareau and they say its a valid debt and when i contacted creditor, they say the info is innaccurate and they dont have any missed or late payments showing which further lets me know that the creditor is validating my debt illegally and falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been attempting to get my credit report reviewed but I 've been unsuccessful. I was a victim of identity theft and I 've sent all XXXX credit bureaus my police report. I 've had multiple items removed and reinserted and when I try to dispute ... .in return I get a letter stating that they have previously disputed this matter and the previous status remains the same. I have yet to receive any verification in regards to these debts and I have sent multiple 609 letters with no success. The accounts are to verify that these XXXX companies are reporting correctly XXXX, XXXX, and late pays with XXXX and XXXX. With XXXX and XXXX I had insurance and advised that the insurance paid the balance but then was later informed that they only paid a portion. I was in the military and was XXXX so I was XXXX of the military which caused me to be unemployed and unable to pay my bills. This is why I utilized the insurance with these XXXX companies which I was later informed that I still had a balance.

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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I noticed that Experian had, unbeknownst ( and unauthorized ) by me, had signed me up for monthly credit monitoring. I did n't notice it until the second month, at which time I contacted the company. I was able to get the account cancelled and to get the second month 's charges reversed. However, the customer service rep was " unable '' to reverse the first month 's charges. She transferred me to a supervisor, but that person never picked up, so I abandoned the call and submitted a dispute through my credit card company. I 'm still waiting for the results.

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