vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America loan #  XXXX  was reported as closed which has negatively impac ted credit score. Th is needs to include an explanation of why it was closed such as the loan as been Paid in Full. By an explaination not being given it looks as though the account was just closed due to being sold which it was not. Please include a statement on my report that explains the account was Paid in Full by me.

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 2017-04-27 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: AES/PHEAA
State: NY

Complaint narrative:
I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time.  All 8 accounts and history of all 8 statements/bills and proof that all 8 are indeed mine. I am disputing I ever had 8 delinquent accounts.This is not fair reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I returned from  XXXX  in   XX/XX/XXXX , a nd in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a   XXXX   XXXX   fro m XX/XX/XXXX  unti l   XX/XX/XXXX , a nd then returned  in  XX/XX/XXXX  through  XX/XX/XXXX  t o  XXXX   XXXX  and   XXXX   at   XXXX   XXXX   XXXX  .     - According the credit reports I have managed to obtain, all accounts were opened and used while I was in  XXXX . I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts -  two have  been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from  XXXX  that they had no record of the account and then refused to continue any investigation ; additional letters only resulted in their sending me a package with all statements from the fraudulent account.     - The disputes came back from each CRA, including  XXXX  and Experian, with no changes. I have sent all CRA 's, including   XXXX   and Experian, substantial proof that I was living in  XXXX  at the time the accounts were opened and used in the United States. Regardless,   XXXX   and Experian have not fully investigated the issue or accounts nor removed the fraud from my credit report permanently.   XXXX   only finalized this issue because of the complaint with CFPB because they realized they did not follow the law in completing the investigation.  XXXX  and Experian are also not following the laws in credit reporting by not accurately and completely investigating the issue despite all of the documentation provided.     - Becoming  XXXX  as an adult and not able to use   XXXX   XXXX    ( or  XXXX  ), it  is very difficult to communicate with the credit card companies myself. I send everything through letters or fax but those documents are not accepted as they will only " speak '' with me over the phone in order to validate my information.     - There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts.     - I have again attached documentation of proof of   XXXX   XXXX    timeframe from   XX/XX/XXXX  until  XX/XX/XXXX  i n  XXXX , police report, and FT C Affidavit.

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 2017-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank refuses to provide me with proof of the XXXX XXXX property taxes they are trying to assess against me. The tax office says this VIN was not included in US Bank 's fleet bill. I 've disputed the amount with USBank and have requested proof of the amount owed. They refuse to provide yet continue to send demand notices. The contract states " You agree to pay all title, registration, license, inspection, testing, and other fees taxes and charges imposed by government authorities in connnection with the Vehicle, this Lease or any amounts due or payable arising from this Lease. '' If the City says my VIN was not included in the fleet bill to USBank and USBank has n't shown me where " charges were imposed '' then the amount of {$420.00} needs to be deducted.

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 2017-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I was a student of  XXXX   XXXX  from  XXXX . During that time the administration and financial aid departments encouraged me to fully finance my education through various loans and grants. The total 4 years of tuition, fees, etc. was close to {$100000.00}. Since graduating I 've paid this much towards the loans and grants, however the total balance is still over  XXXX  ... I believe the school acted in coercion with  XXXX   XXXX  and various other agencies, engaging in willful deceptive practices, and ensnaring underprivileged students in further poverty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Continuation for complaint :  XXXX  To recap : Bank of America, 7 days before closing, made mistakes that caused the underwriter to cancel our mortgage application. The underwriter claimed we did not show adequate funds to close, yet Bank of America had in their possession multiple documents showing that not to be the case. Bank of America later admitted that they have made some processing mistakes that caused the cancellation.     We were forced to rely on alternate, temporary financing, to close on the house on time as the seller was not interested in waiting the 21 business days that Bank of America claimed were needed to correct their mistake.     My first complaint yielded positive movement from Bank of America and they agreed to re-finance at the original rate, which after the  XXXX  election had climbed almost 1 %.     With that said, however, Bank of America would not work with us in regards to thei r Origination fe e, plus the other fees that were duplicate to the fees we had to pay in our original closing. So while Bank of America honored the original rate, and we 're thankful for that, they still left us on the hook for close to {$5000.00} in losses due to their original mistake.     As the consumer, I was left with no choice due to their original error. I could accept their offer at the original rate, but lose in the neighborhood of {$5000.00}, or I could book a re-finance at another lender with terms that would cost us  $ 75,000+ over th e life of the loan. We accepted Bank of America 's offer reluctantly.     The purpose of this complaint is to make record what happened. As the consumer, I have no recourse against Bank of America other than to clearly state that their mistake cost my family significant losses. In the end, they still got their loan.

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 2017-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
I have sent several certified letters to  XXXX ,  XXXX  and  XXXX  demanding that this item be deleted.  XXXX  deleted the item and should have reported the results to  XXXX  as well as  XXXX . All credit bureaus except for  XXXX  are still reporting this item on my consumer credit report.     Dates :  XX/XX/2014    Amount : {$520.00} Actions taken by me : Sent letters demanding that item is deleted from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time. All  XXXX  accounts and history of all  XXXX  statements/bills and proof that all  XXXX  are indeed mine. I am disputing I ever had  XXXX  delinquent accounts.This is not fair 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 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time. All  XXXX  accounts and history of all  XXXX  statements/bills and proof that all  XXXX  are indeed mine. I am disputing I ever had  XXXX  delinquent accounts.This is not fair reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
In  XXXX   XXXX  I received a report of a hard inquiry on my credit for a  Chase Amazon Visa  card for which I had never applied. I put a fraud alert on my credit and stopped the fraudulent application.  XXXX   XXXX , another hard inquiry against my credit for a  Chase Amazon Visa ca rd. I called and spoke with Chase and was able to stop the application. However, the representative would not give me any information about the application, saying it was protected and I would have to fill out an affidavit, file a police report, write my own summary, copy my drivers license, ( he sai d 3 or 4  more steps, but I was driving and unable to write them down ) and mail all of this information in " certified first class mail '' to Chase for review. It would take  30-90 d ays and they might be able to comply with my request. He said he was unable to email these requirements and said they were not published on the website. He could only tell me other the phone.     Why is chase continuing to allow fraudulent applications through and why the ridiculous hoops to get any information about an application that was submitted in my name. I verified all the information at the start of the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: MA

Complaint narrative:
I have paid this  XXXX  account on  XXXX   XXXX ,    2017,  of  XXXX .     I have confirmation numbers and account numbers to prove it. Credit bureaus are still saying they are owed, affecting my credi t FICO s core

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i was trying to dispute something online and was sent to a link that my computer said that it was unsecured. there are fraudulent company 's saying they are the major credit unions and asking for sensitive information. and when i called the number on the websit e 3 separ ate time it put me on a line with someone who does n't even sp eak English. H ow can the major credit unoions have customer reps that dont speak very good english and the fisrt thing they ask for is your social security number to start. thanks

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 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX  shows some inquires on my report that does not belong to me. I have disputed several times and called and they inform me that there is nothing they can do.

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 2017-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I had an account with  XXXX   XXXX   XXXX . I did n't realize that I did n't return my equipment to the company until I began receiving phone calls fro m Southwest Credit Systems. W hen I first received the call I told them that I still had the equipment. They instructed me to contact  XXXX   XXXX   XXXX  to have the issue resolved. I had to cancel my account because I was moving and the company did n't offer the services in that area. I returned my cable and internet equipment to  XXXX   XXXX   XXXX . They claim they have not received the equipment and they are unsure of where it  XXXX  be. I have been calling them at least twice a week for the past month and half. No one at  XXXX   XXXX   XXXX  seems to want to offer me any help. They stated that there is nothing they can do as the equipment should 've been returned 60 days after closing the account. I said no where does it state that they ca n't accept any equipment from me because it has been over the 30 day period. I have asked to speak with supervisors who have told me they would contact  me within 72 hour  s of creating an investigation as to where my equipment may be. As of now it  has been  XXXX  days later and still have n't received a response. As a result of that,  Southwest Credit Systems calls me every day at least 10 times a day from various different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: CA

Complaint narrative:
I  have sent a Mutilpe Inquiry l etter on  XXXX    XXXX  ,2017 and less then a week later I get a letter stating that the inquiries on my credit report are factual and will remain on my report. If they sent me a letter  XXXX  days l ater that meant they did not investigate whether or not th e inquiries are mines and just sent their generic letter. Experian did not investigate fully and I have asked multiple times through mail, online Disputing and calling and they will not remove the 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 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My complaint is against  Exquifax  and  XXXX    XXXX   XXXX  .     I settled all debt that i had with  XXXX   XXXX   XXXX  back in the beginning of  XXXX . My debit account was charged the amount of  XXXX  on  XXXX  to settle  XXXX  account with the collection agency.  XXXX  of those accounts that i settled was for  XXXX  dollars. It was removed from my  XXXX  report but not my equifax report. I filed a dispute once i saw that it had not fell off of my equifax report. Today when i checked my credit report again, it is still there. So i called  XXXX   XXXX   XXXX  today and asked them why the had n't reported that i had paid it off to the credit agency. They informed me that they in fact had reported it to all  XXXX  credit agencies on  XX/XX/2017   , and that i need to call equifax to have them remove it. So i called equifax and they told me that  XXXX   XXXX  had never report that the account was settled on  XX/XX/2017   , the also said that the last time   XXXX   XXXX   reported was on  XX/XX/2017   . I let them now that i have my bank statement proving that i paid off my debt   XXXX   XXXX    and they said it did n't matter. They also said that i had to call   XXXX   XXXX   back because they are the only one who can take it off my credit report. I called  XXXX    XXXX   back after my frustrating conversation with equifax and told them what equifax said and they told me again that they had reported it on  XX/XX/2017   . They also told me to call equifax back. They just keep pushing me back and forth to each other. And as far as i am concerned, if i submit proof ( Receipt/bank statement to equifax they should remove it from my account. I requested that  XXXX   XXXX  send me a settlement letter stating that the accounts were settled and reported to equifax. I settled this account going on 2 months ago and it is still on my account, negatively affecting my credit score. it is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: GA

Complaint narrative:
Experian, Equifax and Transunion have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all  XXXX  credit reporting agencies and they have failed to provide requested information. According to FCR A 623 ( a ) ( 5 ) i f the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file.The United States Bankru ptcy Co  urts of   XXXX  DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported.     However,  XXXX , Equifax and  XXXX  actively searches public records for any judgments and tax liens through third party research.     A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research.     Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy  XXXX  and received a letter in return stating The Clerks office does not provide information to credit reporting agencies.     Equifax has mailed me an electronic signature of documents.  XXXX  has not provided any feedback on my request to validate public records.      XXXX  has not provided any feedback on my request to validate public records.     Please see my attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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 this  may con cern, I recently reviewed my credit report on  XXXX   XXXX ,  2017 and  noticed there was improper usage on my credit report. There were several unauthorized credit inquiries from unknown sources that were listed. I have no knowledge of these unauthorized inquiries and I am therefore seeking for the inquiries to be removed immediately.     Thanking you in advance for your prompt action of this matter.     Kind Regards , Concerned Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I have never had an account with SCA Collections. and this is a HIPPA violation of my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
Within the last 2 to 3 weeks ( XXXX XXXX or so ) I have been receiving calls on my home phone and cell phone from a person who says he is with " OneMain '' and it is " an attempt to collect a debt '', and that I should call back according to times in the Pacific Time Zone. XXXX of the numbers he called from are : XXXX and XXXX. I have no idea what debt this outfit is talking about ... ..I have no outstanding debts with this company or any other. I am reguarding these calls as deceiving promotional calls and am blocking them. I have received no correspondence from this company nor any other about any outstanding debt. These calls are completely falascious and must be stoped!

Company response to consumer: Closed with explanation