vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-28 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: MS

Complaint narrative:
A tax lien was filed XXXX and released XXXX ( XXXX ). Equifax is still showing it and I have been denied loans twice this year because of it ( XXXX & XXXX/XXXX/XXXX ). On XXXX XXXX, XXXX I received a letter with the results of my dispute to them ( XXXX ) showing the release, but on XXXX XXXX I was denied because it was still showing on the credit report. They do not update information. I have also worked at another company since XXXX and the last work they show for me ended in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report and these inquiries remain on my report after explaining several times that these are not valid. The credit report showed credit inquiries that I didnt authorize. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
Recent review of my credit is showing debt that I have signed for and unaware. This debt is hindering. I have tried to speak with the companies in regards to this matter and to no avail. I want all items removed from the 3 credit bureau asap These companies are leaving with no other options to seek legal counsel with the purpose of suing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: FL

Complaint narrative:
My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on XXXX is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.

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 2017-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on XXXX is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: FL

Complaint narrative:
So I have been in the process of obtaining a mortgage to purchase the home I currently live in at XXXX XXXX XXXX. For 3 weeks now now my mortgage broker has been unable to pull a credit score for me from Equifax ( despite having credit established for several years ). Calling Equifax and as told by my mortgage broker I likely had some incorrect personal information in my Equifax report, in order to clear that up I was told by Equifax to submit by facsimile a copy of my current drivers license and social security card. On XXXX XXXX I submitted the requested documents ( copy of ID and social security ) by fax, on XX/XX/XXXX I followed up on my submissions and called to confirm that has been received. I was told they were under heavy load and that documents could take up to a week to process, but could not be told if they were indeed received so I resubmitted the documents by fax on this date as well. I followed up again a week later on XX/XX/XXXX ( now almost 2 weeks from the first submission of these documents ). I was told the same thing and suggested that I mail in the documents ( not sure why that should be necessary or the corrective process be constrained to something so slow, especially when faxing was an option stated by Equifax representative for resolution ). On Sunday XX/XX/XXXXI faxed the documents again, hoping they would be less buried in submissions if sent on an off day. Following up today on XX/XX/XXXX I was told something worrying, that they could not pull a file on me and that perhaps my lending institutions had not submitted their reports to Equifax ( the other bureaus have my score, and no problems with access to my file ). Calling one of my lending institutions ( XXXX XXXX ) I was assured that these reports are submitted monthly. This information also worries me because I may not be able to request a credit report that does not exist this is costing me a great deal of time, and I would also like some advice, should I submit to Equifax the requested documents by mail? And should I initiate a request for me free credit report by mail from them? May that accelerate resolution of this issue? Equifax Customer support line is basically a brick wall, and there is no way to escalate the issue resolution to a level where a solution can take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Back in XX/XX/XXXX, my husband and I got in touch with Chase Bank via telephone to inquire and see if we would be eligible to cancel our private mortgage insurance. When we initially signed our loan documents with our mortgage lender back on XX/XX/XXXX, the terms of the loan were that we had the right to request the PMI be canceled once the principal balance reaches 80 % of the original value of the property ( please see attached document labeled PMI ). With the updates we have done on our home and the market in our area, we believed we would be in a good position to reach that 80 %. <P/>Thus we contacted Chase to start this process. We are in good standing with our loan in that there has never been a late payment and each month we pay an additional {$180.00} to our principal balance. On XX/XX/XXXX, Chase sent us a document outlining how we start the process of requesting to cancel our PMI ( please see attached document labeled Chase page 1 ). The first step in the process was to request a broker price opinion, which is what we did. On XX/XX/XXXX, Chase sent us a document stating they received the signed BPO request form and ordered the BPO. A few days later we heard from the third party BPO agent, and the BPO was conducted on Monday, XX/XX/XXXX. <P/>On XX/XX/XXXX, we received a letter from Chase stating they can not cancel our PMI because our loan-to-value ( LTV ) ratio for this loan must be 75 % or below to cancel our PMI based on the current or newly appraised value of the property ( please see attached Chase document page 3 ).  They stated that currently our LTV ratio is 78.57 %. They advised that to meet this new 75 % LTV requirement, we would need to pay down the principal to {$290000.00}. The amount we would owe is approximately {$14000.00}, and this is not something my husband and I are financially able to commit to right now. <P/>After receiving this letter, I contacted Chase to see if there was any documentation I signed agreeing to these new loan terms regarding the 75 % LTV ratio. Chase did not have anything on file. The only documents they had on file regarding our PMI agreement, is the original document we signed back on XX/XX/XXXX ( attached PMI document ) stating that we were held to the 80 % LTV ratio. <P/>I am filing this complaint because I feel like we have been faithful in our payments, and we have met the terms on our loan making us eligible to cancel our PMI by meeting the 80 % LTV requirement. We are currently at 78.57 %. I am happy to answer any questions or elaborate on any of these points. Thank you very much for your time and I appreciate your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: GA

Complaint narrative:
This is 1 of MANY attempts with this company. Their last response was a general response, and I want this problem fixed asap. I am writing to dispute ONCE AGAIN about the errors on my credit report pertaining to the inquiries on my file. These inquiries remain on my report after explaining several times that these are not valid. The credit report showed credit inquiries that I didnt authorize. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.

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 2017-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was informed that my account with Lowe 's was closed on XXXX XXXX, 2017 due to a drop in my credit score from  XXXX and outstanding debt along with recent delinquency that does not exist. I informed them that I had increased balances in paying off my daughters college tuition and sold my home to payoff the debt. I have been a good customer with them for 6 years with no problems and this was an arbitrary action. I read several consumer reviews on Lowes and the same  complaint as mine is a common characteristic complaint of Synchrony Bank. They waited until I paid off the account to close it with no warning.

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 2017-06-28 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: IL

Complaint narrative:
On  XXXX / XXXX / 2017  i sent a certified letter to Exper ian ( atta ched below ) to dispute how a bankruptcy was being reported on my credit report. The certified letter was signed for on  XXXX / XXXX / 2017  by them and they responded with a letter on  XXXX / XXXX / 17  stating that the  US BKPT  CT in  XXXX  IL was reporting the Bankruptcy. The address listed on the credit report is incorrect and I have since found the correct address and written a letter to th e US FEDERAL BKPT CT  in  XXXX  IL requesting the clerk send to me their procedures on reporting to the bureaus '. On  XXXX   XXXX  I received a letter from the clerk which I have attached claiming the court does not report to the bureaus ' directly. Therefor the information on my credit report Experian is reporting 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 2017-06-28 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: GA

Complaint narrative:
I 'm complaining about Credit bureau Experian. I recently did many disputes against this credit bureau about inaccurate information that was listed on my credit report. I received my credit report and some of the information was not accurate. On my credit report I have an identity theft/fraud identity listed and every time someone use my social security number for credit, the creditor suppose to call me. I never received a call from the creditors and I have disputed many time with Experian about credit inquiries on my report. Here is the following credit inquiries that is listed on my credit report XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, and XXXX XXXX XXXX/XXXX/XXXX XXXX. Second dispute with Experian was one public records ( bankruptcies ) on my credit report. I spoke with a  customer service rep at the Federal Court of Bankruptcy and the rep stated that the court do not verify any public records with the credit bureau. I disputed the one public record again with Experian and they never removed the public records off my credit report. I called Federal Court of Bankruptcy and talk to another customer  service rep and he stated that Experian never contacted them to verify bankruptcies on my credit report. So now I 'm sending a complaint to Consumer Financial Protection Bureau and this week I 'm going to hire an attorney to file an claim against Experian, because they are putting the wrong information on my credit report without checking with the creditors to make sure that I have applied for credit and checking to make sure that the information that they are added is accurate. I 'm so frustrated with the credit bureau, because they are adding information to my credit report and the reps are very rude when you call to dispute items. XXXX has removed the two public records off my credit report, because the information was inaccurate. Now Experian need to have those two public records and credit inquiries removed from my credit report. I have been an victim of identity theft and it is listed on my credit report, so there should be no excuse for this. I will be hiring an attorney to file a claim.

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 2017-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
There are several collection accounts showing on one of my credit reports that were not validated and/or have no contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I want to file a complaint about XXXX XXXX XXXX XXXX and the XXXX regarding misleading information about the school/program/financial expectations and placement. I feel I was mislead about the whole program and now as a result I am financially in hardship with the expectation to repay a loan that has grown to almost $ 190K due to defaults/forbearance. I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. I was eagerly pushed into starting right away as I was assured that if I did n't the odds of me getting in were slim to none, then I was told the financial costs were far less than what they actually turned out to be ( which is unaffordable ), then on top of it all the school turned out to be unaccredited ( which they knew was going to be the case at the time of my enrollment, yet they continued to lead me to believe it was credited. NOW I am almost $ 200K in debt for a loan and a worthless degree. I have had to resort to taking a job outside of my training and have been left in financial hardship. Constantly struggling, robbing peter to pay paul. This burden has been so hard on me and my family. I have been on a rate reduction program with Navient for almost 7-8 years and can barely make those payments. My family struggles from month to month! I need help to get this loan forgiven. I pray you investigate the XXXX along with XXXX XXXX XXXX XXXX ( which is now closed as of XX/XX/XXXX ). I need someone to help me along with many of my fellow ex students from XXXX. There are hundreds and hundreds of us in the same boat! I do hope there is something that can be done, and very much look forward to hearing back from someone regarding this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC.
State: MS

Complaint narrative:
My vehicle was involved in a MVA on XX/XX/XXXX. My insurer determined the vehicle as a total loss and paid the lender, SunTrust, with my gap insurer to pick up the remaining amount. I made the XX/XX/XXXX payment within the ten day grace period ( although the title was already signed over to the insurer, payment had not yet been made to the lender ). On XX/XX/XXXX, SunTrust received the payoff from my insurance carrier for {$27000.00}. That same day SunTrust also received a reimbursement from the dealership for a pro-rated protection plan reimbursement in the amount of {$600.00}. On XX/XX/XXXX they charged me a {$29.00} late charge for not making the {$580.00} monthly payment in XX/XX/XXXX even though they already received {$28000.00} in XX/XX/XXXX. My payment on my original loan has a due date of the XX/XX/XXXX of every month ( 10 day grace period ), and as of XX/XX/XXXX I had already received two collection calls for the {$580.00} even though the remaining amount on the loan was {$5800.00} ... .. My gap insurance has sent payment to cover said amount however, it was delayed because SunTrust would not provide the requested information. Finally, they sent the requested information to me instead of the gap insurer and I in turn had to forward it to the gap insurer - all of which bought time ... Their delay tactics, illegal late charge ( they have since credited ), and illegal collection calls on an account that was current is unacceptable.The loan is now paid off however, SunTrust still is not admitting that I should not have been sent to collections ...

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 2017-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My FICO score provided by  XXXX   XXXX   XXXX  does not reflect my good payment history. My score during  XX/XX/XXXX -  XX/XX/XXXX  w as  XXXX  and was lowered to  XXXX  during   XX/XX/XXXX  -  XX/XX/XXXX . The most recent score for  XX/XX/XXXX w as downgraded to  XXXX  despite the fact that I 've never had  one single late  payment on my credit card since   XX/XX/XXXX .    XXXX  I 've called   XXXX   XXXX    XXXX  and they confirmed my impeccable payment history but could not explain why my FICO score got lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have made several attempts to dispute hard inquiries on my credit report. Each letter ( 3 ) stated that I did not authorize the inquires on the report and asked them to Remove them. After 3 failed attempts, I sent out letters to all companies that I did not authorize a transaction with and they stated they did not have an account for me and sent a letter to the reporting agency confirming that it did not belong to me and a removal from my report would be a sufficient action. After waiting over a month for the inquiries to be removed, I called each company with said inquiries to confirm the process was complete. After being denied lines of credit due to excessive inquiries that were not authorized, I decided to file a complaint. The inquiries are : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation