vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to XXXX XXXX XXXX XXXX for a account that is {$0.00} and was open XX/XX/XXXX to come off my credit report. The letter was returned mail. So I sent Equifax on XX/XX/XXXX a returned mail letter stating that the address they use to report on my credit report is false information and should be delete off my credit report. They send me a update of the address but the old address is still the same on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a letter dated XX/XX/XXXX from Bank of America stating that i owed {$31.00} from an account closed XX/XX/XXXX. My case number for this issue from Bank Of America is ( XXXX ). I contacted their Recovery Services unit and paid this amount ( {$31.00} ) was paid in full that month ( XX/XX/XXXX ). It has been four months since i settled this debt and I can not open a bank account. This issue in impeding my progress. I need a bank account and thought this was settled months ago. I even gave it time for them to report to credit agencies for it to be removed. I tried to open a bank account on XX/XX/XXXX and was unsuccessful due to this issue i thought was resolved. I am requesting that that this negative report be removed so I will be able to open accounts in other financial institutions. I am know wondering if there is another issue that is delaying my ability to open an account

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 2018-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
Ditech has held my escrow ( personal property taxes and added interest for XX/XX/XXXX and XX/XX/XXXX, now I receive a letter XX/XX/XXXX stating that I need to pay {$3700.00} or our mortgage will go up {$480.00} and if we pay the {$3700.00} payment will still go up {$190.00}. I think that when Ditech pay our personal property taxes and insurance, they need to add it to escrow at that time and not hold it and let it add up and make our escrow short. Now we will have a big payment that we can not afford. When I called XXXX, the lady I spoke with could careless. I do n't have {$3700.00} and I ca n't afford to pay {$1800.00} either. They need to give us more options.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for the BBVA Compass XXXX XXXX Credit Card. In the offer advertising mail sent to me it said 13 MONTHS SAME AS CASH. I entered the offer code online and I was approved. I received the card card. I did a purchase of {$550.00} on XX/XX/17. I just received the three page credit card statement today. NO WHERE on these three pages is notated the 13 month same as cash offer. On this day, over the past 5 hours I have called the company 's toll free phone number. Twice it asked me to leave a call back number, which I did but there was never a call back even 5 hours later. Many times I have called and a machine simply says, " Please try back latter. '' I have no way of getting this company to correct this if they will not contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted Chase, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX, XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: MI

Complaint narrative:
Date X/X/18 Bank : Comerica Location : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Hello, The complaint is regarding a small deposit to a checking account made with Comerica Bank on X/X/18. The issue was n't the deposit itself, but cash back received. Made a small deposit with larger bills to a checking account and request a small fraction of it back in smaller bills ( {$50.00} total - 2 {$20.00} 's, 1 {$10.00} ). The teller handling this transaction hands me 3 bills, with the {$10.00} bill being 1/3rd missing ( ripped with right-hand serial number missing ). I 'm just tired of this sort of behavior and although it 's a petty complaint, would like to file it. She knowingly counted the bills and saw the integrity of the torn bill. My mistake was checking the amount but not the actual bills for this type of thing ( ripped ). Anyhow, just requesting {$10.00} deposited back into my account to rectify the situation and will happily return the torn one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Premier Student Loan Center
State: NY

Complaint narrative:
Since XX/XX/2017, this company has called my cell phone several times a day seeking to refinance my student loan. I use this phone for business. it interrupts me during meetings and while driving. 

On every call, I ask to be placed on the do not call list. The call frequency had INCREASED. 

Premier Student Loan of XXXX CA is a predatory scam. They misrepresent themselves. They have been reported to the BBB and the CA Atty General.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX  XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC LA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name

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 2018-01-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC 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 This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
XXXX was my direct service loan lender and I was told by several XXXX Representatives in XXXX to apply for the Public service loan forgiveness program. I was also told that I qualified for the Public service loan forgiveness program and once the program started forgiving loans ( XXXX XXXX ) That my loans would be forgiven. I left navient, and and all of my loans were transferred over to the public service Loan program. This has been an ongoing process sinceXX/XX/XXXX with no resolution in hand, I have been told that none of my loans qualify for Public service loan forgiveness.

I asked the Public service loan forgiveness program for audit of my loans and I have yet to receive any feedback. Please help this is been ongoing for over a year and it 's extended my payoff time from 3 years to 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
I have never opened this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX, XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Never opened this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: FC HoldCo LLC
State: VA

Complaint narrative:
I have some various inquiries in my credit accounts. All 3 XXXX XXXX XXXX and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

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 2018-01-03 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: TCF NATIONAL BANK
State: VA

Complaint narrative:
I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I  never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In 2005, I was forced into taking a private, co-signed loan for around {$8000.00} with XXXX XXXX ( now navient ). I was told to defer my loan or use forbearance. 13 YEARS LATER ... ..even with making income based payments for the last few years, I still owe over {$7000.00}!! 

I am currently a XXXX XXXX in a XXXX XXXX and I contacted them about loan forgiveness. I was told I didnt qualify because my loan was under {$10000.00}.

Company response to consumer: Closed with explanation