vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
trying to remove these accounts  XXXX , from  XXXX , equifax, and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
trying to remove these accounts  XXXX , from  XXXX ,  XXXX , and Experian.

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 2017-05-13 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: Nelnet, Inc.
State: OH

Complaint narrative:
Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back i n  XX/XX/XXXX ,  with the University    XXXX   XXXX  . These student loans were opened up unbeknownst to me which I was   XXXX   ( date of   XXXX : XX/XX/XXXX - XX/XX/XXXX  Date the fraud occured :   XX/XX/XXXX  ;   amo unt ( s ) : {$1700.00} ; {$3000.00} These students loans are old and h ave been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in   XX/XX/XXXX ,  and have since been removed from my report (  XXXX   XXXX   XXXX  University  XXXX   XXXX  and   XXXX   ).     Now, I Have  "  XXXX /  XXXX   XXXX   XXXX   ; D  ept. of   Education/ NEL N ;  US Dept. of  Education / XXXX / XXXX ,  posted on my report from the same time period the prior students loan information post posted previously, dating :   XXXX .      This same issue with the fraudulent student loans has come back and repackaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
I received a collections letter from  Convergent Outsourcing Inc. l ocated in  XXXX , Washington stating that they are attempting to collect a debt on behalf of  XXXX   XXXX   XXXX . The letter was received in  XXXX    XXXX  . I contacted   XXXX   XXXX   and asked them if I owed any money to them and they stated they had no record of me owing them any past due amount of money.   XXXX   XXXX   asked me to send a copy of the letter I received f rom Convergent Outsourcing and  I never received a response indicating they would take care of the problem. The amount of the debt is {$26.00}. I realize this is a small amount of debt and I am tempted to just pay it and get it over with but there 's no indication from   XXXX   XXXX   that this is a legitimate debt and I do not want to start making payments for something I do not owe.

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 2017-05-13 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XXXX   XXXX     refu sed to provide details about an account they are reporting as charged off on my credit reports from  XXXX .   Report states it was a 39 month lease plus  XXXX  " failure to pay '' for  t  wo separa te months well after lease ended. Th e Statute of Limitatiins is long past even based on their reporting and it also is  very close to 7 years ago.        XXXX   XXXX   tol d me I could ONLY get details from a collection agency and stated specifically they refused to provide ANY information ( e.g., copy of lease agreement, type of car, amount allegedly owed, etc. ). The refusal violates th e Fair and Accueate Credit  Transactions Act.     I have had a few  XXXX  through my life and I have ALWAYS made my all of payments. All of them. I have previously tried to get information from them on the account without success. They confirmed that it was their practice to refuse to provide any details regarding items they have reported once the debt is transferred to third party agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   sold my account to LVNV FUNDING LLC who in return sold the account to Resurgent Capital I paid the debt in full ( receipt attached ) I requested with all companies to remove this reporting from my credit report and this has not been done   XXXX   XXXX   is still reporting it as transferred debt not as a debt paid in full i want this removed from all credit reporting agencies as this is paid in full! Balance as paid in  f  ul l  XXXX - XXXX -2016 I ha ve submitted request for removal and still no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: TX

Complaint narrative:
To whom  it may concern, I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries on my Equifax report,  XXXX  hard inquiries on my   XXXX    report and  XXXX  hard inquiries on my   XXXX   report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I signed up for a credit card from Bank of America in large part because of a promotional offer of  XXXX  points after spending {$3000.00} in the first 90 days. My first statement from the card indicated a starting date of  XXXX   XXXX . On  XXXX   XXXX  ( i.e. 87 days late r ), I  called Bank of America regarding a missing transaction that would have put me well over the {$3000.00} limit. I was informed that BoA had started their 90 day calculation weeks before I had even received the card, and the starting date listed on my first statement was essentially meaningless.   Customer service agents were unwilling to offer any kind of compromise and said that I would be unable to receive the  XXXX  bonus points ( worth up to {$1000.00}! ) regardless of my spending. At no point during my relationship with BoA was I informed of a starting date for the 90 day peri od ( o ther than the beginning of my first statement, which led me to believe the starting date was  XXXX   XXXX , as described above ).

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 2017-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: PA

Complaint narrative:
My experience with this bank on weekends is disappointing, questionable and curious. When I deposit funds on a weekend ( weekend as defined by this bank : Friday afternoon, Saturday, Sunday and Monday  XXXX  the credit does not hit my account until the bank settles it Monday night. But if a debit hits the account during those times the bank debits the account immediately. Specifically on   XXXX   they debited my account for a {$150.00} check. I had insufficient funds so they bounced the check and also charged me a {$36.00} overdraft fee. I was notified of this fee, etc. via an email from the bank I received on morning of  XXXX  and only finally saw when I checked my emails afternoon of  XXXX .! Also on  XXXX  about  XXXX  P.M. I made a cash withdrawal of {$70.00} from an ATM out of this account. Question #  1  : Why did they allow this withdrawal? Why was it not denied. Question #  2 :  Why did n't they wait until they settle weekend credits to also settle weekend debits?! Settling credits this way is disadvantageous to me, and allowing debits this way is advantageous to this bank. It does n't seem right to me. It seems wrong and illegal. In the past I received emails from this bank that a debit hit my account larger than my balance, and I was given a  three or four da y grace period to move funds into my account to cover the debit, and the bank did not charge me an overdraft fee. So why did the bank not send me a warning email and allow me to at least move funds into the account to cover the debit on Saturday, Sunday or Monday so that that credit would take care of the debit when the bank settles everything Monday night for the " weekend '' ( it 's even worse and a longer " weekend '' if Monday is a bank holiday ). Help. 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 2017-05-13 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: ACCESS GROUP INC.
State: WA

Complaint narrative:
This complaint concerns  XXXX  student loan servicing and  ACS-Education  XXXX   XXXX  loan servicing. My federal loan servicing provider,  XXXX , has given me a deferrment and understands my situation and is helping me.  XXXX  and  XXXX   XXXX   XXXX  are being completely unreasonable and I am sincerely afraid they are violating my consumer rights and threatening my credit, which affects my ability to improve my situation and pay more towards my student loans. I have tried everything and I really need your help. Thank you.      1 )  Since  XXXX    XXXX  , I have consistently, repeatedly and regularly advised these companies of a drastic change in my financial and economic circumstances. I have basically had to start all over in the  XXXX  after having worked overseas for several years. This is harder than expected and the economic climate in the  XXXX  is still not the best. I sent these companies my income/expense calculations for over a year to try and come to a reasonable payment plan and additional forbearance so I can improve my situation.      2 )  The payments they requested are those I simply can not afford because I do not make enough to pay that and pay normal monthly living expenses including rent, food, utilities, transportation for work etc. given that the cost of living increases but my pay checks do not! I have tried over and over again to ask them to accept a monthly payment that I can afford and they refuse to cooperate and understand.      3 )  This month, I promised to pay {$100.00} per month each month to each of the  XXXX  student loan providers. I made the payments on  XXXX .      4 )  I have tried to get student loan consolidation/refinance but the companies I talked to are either not able to help or will not help because of the total amount and the debt-to-income ratio, something I can not control right now. I can not simply quit my job when I have bills to pay!      4 )  What I need from you and CFPB : a ) to reach out to these companies and make sure they do not impact my credit rating, which would or could basically ruin the chance for me to improve my financial situation and be able to get a house, a car, a better position, or anything else where I could make more payments : b ) to reach  out to these companies and ask them to grant me additional forbearance because I desperately need it ; and c ) any other help you can provide to help me with this situat ion. It is causing major  XXXX ,  XXXX , and suffering because of worrying about the balance. PLEASE HELP IN SOME CONSTRUCTIVE WAY!     Thank you and sincerely, -- -  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 2017-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
We are co-owners who refinanced the mortgage on our  XXXX  home in  XXXX  with Nationstar Mortgage. We were very specific in explaining that we wanted to pay closing costs in cash rather than have it financed. Over the course of discussions only the first draft of the closing documents indicated we would use cash to close. Despite our insistence, in the end we went to closing without being given the opportunity to pay cash for closing. Also, we paid our property taxes for the first quarter and the next installment was not due until  XXXX   XXXX  but it too was added to closing costs ( {$1100.00}  ).      Since closin g, Nationstar has sent us a check in the amount of {$110.00} ( payoff overages ) and more recently a letter stating that we were overcharged for certain closing costs in  connection with the closing of your loan and we are refunding this amount to you through a principal reduction. The amount is {$610.00}. The difference as per the letter is reflected in  C   ash to Close and Lender Credit via the new Disclosure.
We are concerned about how our refinance was handled, the process by which the differences occurred and whether our property tax had to be made part of this closing.
We request a full review of the closing documents/disclosure and would like to know if Nationstar was within their rights to refuse to allow us to pay closing costs up front. These charges were rolled into the loan creating the need for a gap note and mortage. We only had a certain period until the closing and if we didnt close by that date then a higher interest rate would be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: FL

Complaint narrative:
XXXX   XXXX  refused to provide details about an account they are reporting as charged off on my credit reports from  XXXX .   Report states it was a 39 month lease plus  XXXX  " failure to pay '' for  two  separate months well after lease ended. The  Statute of Limitatiins is long past even based on their reporting and it also is very close to 7 years ago.       XXXX   XXXX  told me I could ONLY get details from a collection agency and stated specifically they refused to provide ANY information ( e.g., copy of lease agreement, type of car, amount allegedly owed, etc. ). The refusal violate s the Fair and Accueate Credit Transactio ns Act.     I have had a few Fords through my life and I have ALWAYS made my all of payments. All of them. I have previously tried to get information from them on the account without success. They confirmed that it was their practice to refuse to provide any details regarding items they have reported once the debt is transferred to third party agency.

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 2017-05-13 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: DISCOVER BANK
State: AZ

Complaint narrative:
About a year ago, I paid off a loan f rom Discover. However, it is still showing on my credit report that the account is open with an outstanding balance. I 've called Discover  over the course of the past few months on numerous instances about this issue. They told me that they would correct this issue but they still have n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
When I rented a car with my    XXXX   American Express ( AMEX ) card, I wa s charged {$19.00} on  XXXX / XXXX /   2017  by  Amex   XXXX   XXXX   for   XXXX   XXXX  rental insurance. I had previously opted in to this premium car rental insurance on my  XXXX   XXXX  AMEX card, but had not added it to my new  XXXX  AMEX card. When I called AMEX to complain about this, they said that once this insurance is added to  XXXX  card, it is automatically added to any other AMEX cards I get. They refused to refund the {$19.00} fee. They also refused my request to opt-out of premium insurance being added to any ne w AMEX card I may ap ply for. I spoke to  XXXX   (  ID  XXXX   ) a nd supervisor  XXXX   (  ID  XXXX   ) at Amex   XXXX   XXXX  in Oklahoma.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it  may co ncern, I mailed a Multiple  Inquiry Removal Letter  on   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included  XXXX  Hard Inquiries on my   XXXX   report,  XXXX  hard inquiries on my Experian report and  XXXX  hard inquiries on my  XXXX  report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the cr editor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2017-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom i t may con cern, I mailed a M ultiple Inquiry Removal Letter o n   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included  XXXX  Hard Inquiries on my  XXXX  report,  XXXX  hard inquiries on my  XXXX  report and  XXXX  hard inquiries on my Transunion report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules , FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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