vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 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: TN

Complaint narrative:
I mailed a Multip le Inquiry Removal Letter o n  XXXX   XXXX ,    2017 b y certified mail in order to dispute information in regards to  XXXX  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 inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates 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 in 7 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for 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 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I purchased  XXXX  gift cards issued by USBank from a  XXXX  on  X/XX/2017    at  XXXX   XXXX  CST. I loaded each with a value of {$500.00}. I have receipts and activation status receipts. I attempted to use the cards on the same evening at approximately  XXXX   XXXX  CST. None of the cards worked. I called USBank on  X/XX/2017    and was informed these cards were registered to a company I had never heard of. The cards were frozen with the original {$500.00} each. I was asked to fax my receipts, SSN, driver 's license, and card numbers to USBank and was promised a response i n four ho urs. After no response, I called and was told to call the next day. I called on  X/XX/2017   , and was told not to call again. They will call me later that day. I never received a call. On  X/XX/2017    I called and was disconnected. On   XXXX     2017 I ca lled and was told the matter would be resolved in  10 bu siness days. I called afte r 10 busi ness days and was told the matter would be resolved in 90 days, and that I should not call again. I called on  X/XX/2017    and was told the matter is under review, and they can not help me. So I 'm filing this complaint.

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 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: RI

Complaint narrative:
I have been here for over 10 years I 'm not really good at this or any kind of paperwork my ex always did the paperwork so to my knowledged I just paid the mortgage some how we had  XXXX  mortgages started out with  XXXX   XXXX  what the primary mortgage  XXXX   XXXX   XXXX  for the the low er one a s each year went by both increased each year well   XX/XX/XXXX   it got way out of hand and they wanted me to do a home modification to lower my payments needs to say the same thing happened in this other lender   XXXX     XX/XX/XXXX  to  XX/XX/XXXX   I left a job the following year because I wa s working full time     XXXX  and Thursday Friday and Saturday from  XXXX    XXXX   to  XXXX    XXXX  . I worked at a   XXXX   XXXX   for 17 years my body needed to take a break im almost  XXXX  soon well in   XX/XX/XXXX   a friend of mine needed a place to stay she fell ill at  XXXX  and had to let    XXXX   of he r jobs go because of lifting she and her  XXXX  kids and  XXXX  dogs  XXXX  cat as time went on I was having a had time with work had slowed down   XXXX   XXXX   and she became   XXXX   XXXX   could not work very sad to see a strong person sick but because of all this  XXXX  has made it harder for her to get better but my point that I was writing about is all these mortgage companies or scamming me and I had lost over {$100000.00} in this house and I filled out the application for the hardest hit fund and because she did not go with me I did not understand and they said will let you know in a few weeks well she called to find out what was going on and they said that we were tonight and come to find out that it was n't for the hardest hit fund it was for a mortgage something but I ca n't understand why my other lender transferred by deed without me knowing only because I wa s one mon th behind and we were already making arrangements to get this all taken care of so I am out once again and now I 'm about to be out of my home and these people that need help also not going to have a question though and I do n't think it 's fair at least companies just take but they wo n't and they make a start all back over again. 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 2017-05-23 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:
In  XXXX   XXXX , I submitted a dispute with Experian regarding information reported by  XXXX   XXXX   XXXX  for {$420.00}. I electronically challenged the accuracy, compliance, and reportability of this information and stated : " Please validate this information with  XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A ) , and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification. '' Experian replied with " verified '' but did not provide me any documentation nor show anything bearing my signature.     On  XXXX   XXXX ,  XXXX , I sent a certified letter to Experian, Tracking # :  XXXX   XXXX  attached ) requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifte en ( 15 ) da ys of the completion of your reinvestigation. I asked the to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.     This letter was signed for on  XXXX   XXXX ,  XXXX  by Experia n ( attached ).      On  XXXX   XXXX ,  XXXX , I received a response from Experian which was dated  XXXX   XXXX ,  XXXX , 2 days past the deadline. Their response was exactly the same as the first request for validation. They merely stated " verified ''. Again there is no signature from me showing a legal binding obligation to  XXXX   XXXX   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 2017-05-23 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I tried settling this particular debt with  Portfolio Recovery an d they said that they were n't willing to settle.     In later years, once the debt was past the statue of limitations, I disputed the debt with the  XXXX  major reporting bureaus an d Portfolio refus ed to remove it from my credit report.     This debt is tarnishing my history and preventing me from obtaining affordable housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: AZ

Complaint narrative:
A state ta x lien ( GA ) has bee n paid and the lien cancelled. Confirmation has been both sent to Equifax by certified mail and scanned directly to them.     Copies of confirmation of tax lien payoff is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
We owe Chase {$14000.00}. If we only owed  XXXX  at 20 % interest we would need 40 years to repay the loan. My wife is  XXXX  and her name is not  XXXX . We can not pay this loan in our lifetime. We called Chase on the  XXXX  of  XXXX  and talked with  XXXX   (   XXXX   )  and he said he could lower our interest to 6 %, payment of $  XXXX  /month but said  they decided not to help us. It was irresponsible of Chase to create an uncontrollable debt and refuse negotiation. It constitutes fraud on their part. I have both fraud and antitrust issues with them. I defaulted on loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: TX

Complaint narrative:
I have filed  XXXX  disputes with Equifax requesting that they remove an outdat ed 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report, It is my understanding that a Chapter  XXXX  Bankruptcy is removed from a credit rep ort seven year s after the date of filing a Chapter  XXXX  Bankruptcy. Please note that  XXXX  and  XXXX  have both removed the bankruptcy from my credit history on their credit reports. Equifax is the only credit reporting agency that refuses to remove the t he 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report.   I mailed a dispute request to Equifax on  XXXX   XXXX ,  XXXX  requesting they remove the dismissed Chapter  XXXX  Bankruptcy from my file on the basis that Chapter  XXXX  Bankruptcies are removed after seven years. I included official copies of my United States Bankruptcy Court, District of Colorado, Chapter  XXXX  Standing Trustee 's Final Report and Account document, showing that my Chapter  XXXX  Bankruptcy was filed on  XX/XX/XXXX  and Dismissed on  XX/XX/XXXX , and therefore is ove r eight yea rs old and should be removed. On  XXXX   XXXX ,  XXXX  I received notification from Equifax advising that the information was " verified '' and that they would not remove it. I filed another dispute with Equifax on  XXXX   XXXX ,  XXXX , this time online, and received notification on  XXXX   XXXX ,  XXXX  stating, again, that the information was " verified '' and it would not be removed.   I called Equifax  XXXX   XXXX ,  XXXX  and spoke to a representative that informed me that my Chapter  XXXX  Bankruptcy would not be removed because it is their policy to only remov e Discharged Ch apter  XXXX  Bankruptcies after 7 years and since mine was Dismissed and not  " Discharged '' i t will remain on their credit reporting information for 10 years.   I have searched the Fair Credit Reporting Act laws and can find no law or regulation that distinguishes the difference between a " Discharged '' or a " Dismissed '' Chapter  XXXX  Bankruptcy that would allow Equifax the discretionary authority on whether or not it should be removed from my credit report, especially since the other  XXXX  Credit Reporting Agencies,   XXXX   and  XXXX , have removed it.   Therefore, it appears that either Equifax is refusing to comply with FCRA rules and regulation as it pertains to the removal of my eight year old Chapter  XXXX  Bankruptcy or there is no consistency required among the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: TN

Complaint narrative:
I mailed a Mu ltiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  by certified mail in order to dispute information in regards to  XXXX  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. T he request that I submitted included inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states th at 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 in 7 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for 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 2017-05-23 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: TN

Complaint narrative:
I mailed a Multip le Inquiry Removal Letter  on  XXXX   XXXX ,  2017  by certified mail in order to dispute information in regards to  XXXX  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 r equest that I submitted included inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it st ates 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 in 7 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for 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 2017-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I was in  XXXX  school in  XXXX  at  XXXX  and when I went to the financial aid office I had  one or two da ys to sign my loans before school started. I got a " public loan '' fro m Navient as well  as private loan from  XXXX   XXXX . I got a telephone call fro m Navient on m y cell phone in  XXXX  asking if " I 'd like to consolidate my loans for a lower rate today over the phone ''.     I was in financial distress so I agreed to. However, today I still have about  XXXX  different loans under Navient, and they are all different interest rates and not consolidated into  XXXX  fixed loan or interest rate. It was all very confusing and of course I was going to say 'yes ' over the telephone if I thought I was going to consolidate my loans and lower my monthly payment. I 've been taken advantage of by Navient and  XXXX   XXXX  and it all started at the financial aid office at  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: FL

Complaint narrative:
M y Mother and Father p assed away in early  XXXX . My mother had an IRA with Discover Bank worth  XXXX  ; in which I was a 33.33 % beneficiary. Discover Bank instructed me to send a letter of instruction and both death certificates. All pages were faxed to the IRA dept. on  X/XX/17   . I called for confirmation, and they did receive everything, on  X/XX/17   . Discover Bank informed me that it would take  7- 10  business day to process. On  X/XX/17   , I inquired to the status,  XXXX , from the beneficiary care team, said it would be anot her 3-5 d ays. On  X/XX/17   , I uploaded another letter of instruction to Discover Bank through my secure documents section, concerning this matter. As of this date and time, it has been 27 days and no correspondence or activity has begun. This is unacceptable time for Discover Bank to handle a beneficiary request with the proper paper work sent. I understand that a beneficiary has no right to any account transactions, while the account holder is still alive ; but when you have a POD account set up ; and the account holder dies, then the beneficiary does have a right to their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Account Services, Inc.
State: MA

Complaint narrative:
I recently sold my house, after which I owed my utility {$1100.00}. After my move  on  XX/XX/XXXX , I notice d a letter fro m Allied Acco unt Services at  XXXX   XXXX   XXXX ,  XXXX  NY. I called  on  XX/XX/XXXX  and  paid {$500.00} with the understanding of paying the balance  in 2 week s. During this time, my wife and I are looking for our new home for our children. I 'm in the beginning process for a new mortgage when I 'm told m y credit score  dropped over  XXXX  points due t o Allied rep orting me as delinquent for {$620.00}, after making an initial {$500.00} payment. This now causes a large increase in my financing rate as well as which type of mortgage I qualify for. I called them and they offered no assistance other than stating they follow fair credit policies. This is not fair and not necessary and I 'll be paying for this for years!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
I contacted the company to get information pertaining to the alleged debt. They sent me a debt validation which shows I owe a balance of {$150.00} to the school when I had student loans and financial aid. The debt is not owed. The first time the lady hung up on me. I called back and they do n't tell you there name and the person said they will not remove the debt and will still on my credit she does n't care what I say or do. Then she rudely hung up on me. I then went to the Indian a Secy of State to check them out and found they are not licensed or registered in the State of Indiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: PA

Complaint narrative:
I field a dispute with all  XXXX  major credit bureaus about removing  a Public Record in  which shows inaccurate data. EQUIFAX reported the information has been updated however  XXXX  and  XXXX  has removed the public record.     I 've made a good faith attempt to resolve with no luck hence I am pursuing a formal complaint.      XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation