vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My problem is the same as described in complaint # XXXX in your complaint database. ( I can not see how this complaint was resolved, unfortunately ). Equifax refuses flatly to give me or my wife our free credit report on line. Per my phone conversation on XX/XX/XXXX with at least two different representatives, one of which was supposedly a supervisor, they require that additional identification be submitted on-line or faxed to an Equifax office in XXXX, both of which are unnecessarily burdensome, less secure, costly, and time-consuming. Additionally, the Equifax representatives refused to tell me why this was necessary, and refused to make any attempts at verification over the phone. They would not even tell me what would be in my credit report that would require extra verification. 

Additionally, attempts were made with Equifax on-line to freeze my credit and my wife 's credit last month, and again this week, after it became legally possible to do this ( XXXX and XXXX allowed us to freeze our credit on-line ), and it was not possible to complete the freeze ( the error message on screen said " Website unavailable, try again later '' ), probably for the same bogus reason of having to send in additional documentation to verify our identities. 

Neither XXXX or XXXX have similar practices, thankfully. 

I am pretty sure that Equifax would still sell me my credit report for money, without any additional verification process, but I am not able to obtain it for free. 

I would appreciate your efforts to stop this practice once and for all by Equifax and to make them sign a consent decree to give consumers their own credit report on-line for free, as required by law, without additional requirements for verification other than what has been standard industry practice. Please note, this has been going on since at least XX/XX/XXXX ( reference the following URL for a story in XXXX XXXX XXXX   regarding this ) : https : XXXX Sincerely, An irate consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
I have not released any of my medical information to any 3rd parties this is illegal under HIPAA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I went to close a bank account with PNC. I went through the dialog on their online banking to close the account. I asked where the remaining amount of money in my account would be sent, and the representative said they would keep it as a " closing fee. '' The fee was not transparent and there was no warning. They are preying on working class Americans, and it is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: IN

Complaint narrative:
The credit bureau 's continue to report a repossession on my credit after I have disputed it several times.. I continued to let them know the debt does not belong to me. This has been disputed every month since of XX/XX/2018and lastly disputed on XX/XX/2018 ... Also the continue to report wring names and addresses I've never lived at. I've sent in numerous of copies of my drivers license and a copy of my social security card along with copies of my bills to verify my address.

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 2018-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Navient has my checking account information on file. I pay monthly and have never been late. I made a payment and have never changed my account information. All prior payments have been made from this account. I paid my monthly payment on the XXXX due on the XXXX. On the XXXX I received an email stating my payment was late. I went on line and made a second payment with the same acct. information. I called Navient and was advised that they sent me a letter stating that my payment was rejected by my bank and that I should contact my bank. I contacted my bank and was advised that there was nothing rejected or received. They also verified that the routing and transit number and account number was correct from prior payments. And that I should contact Navient a request a trace number to help determine what happen to the payment. I contacted Navient and CS advised me that a letter was sent yesterday and that my payment was rejected do acct number not being found. I explained to CS that the bank advised me that there was nothing rejected, and nothing was submitted I was told there was nothing they could do. After arguing with CS, I was finally transferred to a supervisor XXXX XXXX in Indiana. XXXX informed me that it was not submitted to the bank and could not tell me why. Only that I should delete my information and resubmit my acct information and try and make another payment. I explained that I was in a loan forgiveness program that did not allow me to be late with a payment and that continuing to submit payments that were being rejected without knowledge of why they were rejected would jeopardize my agreement. He had no answer and again advised that I delete my information and try again. I advised him that this was not acceptable and that I was being penalized for an error on their companies part. He had no response. He advised me that it was the companies policies not to give out phone numbers to reach him back with acct information for their protection. I called back to the CS to attempt to change the information requested, still without any explanation of what happen or assurance that it would not happen in the future and was told that Mr. XXXX was not available. I feel this is harassment and Navient 's attempt to break their agreement for loan forgiveness by attempting to make my payment late by not fault of my own. Mr. XXXX told me that they had no way of knowing if my payment would go though and that I would have to wait another week which would put me past my 15-day grace  period. He also again could not offer any explanation for why it was not submitted to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
RE : Previous CFPB Complaint # XXXX I previously submitted the above referenced complaint to Capital One, on or about XX/XX/2018, with a copy to CFPB. The issue centers on a reduction of my credit limit ( from {$30000.00} to {$1000.00} ) FOR NO APPARENT GOOD REASON. It took Capital One approximately three weeks to respond, only to essentially repeat what was stated in their original correspondence, and DID NOT address the specific questions/request for additional information included in my complaint letter. 

As previously stated, I do not necessarily intend to utilize the full credit limit on a regular basis. The issue, however, revolves around the negative impact that this reduction in credit limit, either has already had, or will stand to have on my overall credit rating and score. 

Copies of my original complaint letter and attachments are attached herewith.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have sent validation letters asking them for original signed documentation of this account belonging to me. when I call and talked to them I am told that they no longer have the documents. 

I have asked XXXX XXXX XXXX to validate as well but they fail to do so. They tell me that I have to talk to the Creditor Synchrony. XXXX  XXXX XXXX are suppose to have correct information to report negative items on my report. 

account number : XXXX Unverified 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 2018-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
My loan was being serviced by XXXX-Education for years and I was making automatic monthly payments on three loans. Last year, XXXX became XXXX and my monthly payments continued. At some point in the XXXX or XXXX of 2018, account information about only two of my 3 loans was available on the website. It was unclear to me if I had paid off the third loan, as I did not receive any such notice. I sent in an email requesting information, and I never received a response. Today I attempted to login to the website, and it indicated that my loans were no longer being serviced by XXXX and that I should contact the new servicer. I have not received any information about a new servicer. I tried to call XXXX, and the message says they closed on XX/XX/2018 and to contact the new servicer. Again, I have no idea who the new servicer is or how to find out. I am concerned that I may be missing payments and that my credit will be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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:
XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX I had opened an account through my XXXX office with XXXX XXXX in XX/XX/XXXX, I also co-signed for my wife 's account with for the same purpose at the same time. During the course of payments in XX/XX/XXXX XXXX posted pymts to my wife 's account, as opposed to mine, in the months of XXXX, XXXX & XXXX of XXXX. 

In XXXX of XXXX I spoke to them and they had in fact seen the error. I paid the account ( XXXX ) off in full XX/XX/XXXX to avoid any further issue. I was told by their rep, at that time, that I would receive a credit of XXXX for the late fees placed on the account due to their error ( which they applied on XX/XX/XXXX, and that the late payments showing on my credit report would be corrected. Actually, they said that the account would be bulls-eyed and that I should no longer see the account on my credit report after XX/XX/XXXX. I don't know what XXXX meant, but I was assured it would be corrected. The account had not been reported to the three major credit bureaus after that time as the last reporting was in XX/XX/XXXX. 

Unfortunately, after paying for credit monitering with Experian, I noticed the account was still showing incorrectly on my credit reports and asked for an investigation. Now after 2 investigations, and a whole lot of the blame game and which entity is responsible ( I was told - call the creditor - no - call the credit bureau ). And after showing proof of my claim, I still can not get the information to get corrected and XXXX XXXX, whose rep 's have been extremly rude, and Experian, whose rep 's seem to read off a pre-talking point memo, are refusing to correct the information. 

This is severely affecting, my otherwise, perfect credit, through no fault of my own.

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 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX originally placed a Fraud Alert on my Credit Report sometime in XX/XX/XXXX or XX/XX/XXXX that I " Did Not '' Request or Order ( so I'm unaware of the exact date alert was placed ). Then when I called & had the Fraud Alert Services Be Cancelled from Equifax on XX/XX/XXXX they sent an Extended Fraud Alert Request on my behalf ( per confirmation letter ) to XXXX XXXX & XXXX that I again did " NOT Request or Order now I'm having problems getting the Fraud Alerts taking off my Credit. I didn't ask, Order or Request the Fraud Alerts be placed there by Equifax, XXXX or XXXX   and I can't get the Alerts taking off by XXXX or XXXX. Neither of these Companies are assisting me with the Fraud Alert Removal Process that I didn't even Request or Order. Equifax originally sent the Extended Fraud Alert Request to these Agencies without my permission and or authorization & knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX bought charged off debt that I paid a credit repair company to remove from my report and even after I offer to pay the balance in full they will not remove from my credit report. It's less than {$1000.00} and all they will say is that it's not their obligation and I should have paid the original creditor when I had the chance and that they won't do anything to help me get it removed even though I've already paid to have this account removed. They talk in circles and choose which information they want to give you because each collector is just trying to get away with bad violations to fdcpa. They always say their managers are gone for weeks at a time and some won't even give their manager name. This company is the only collection company I've struggled with. I'm to the point where I would rather just not pay it so that XXXX and XXXX dont get the satisfaction after the way they treated me. I left several messages for a manager XXXX XXXX and he never returned my call. They are awful. I just want them to sell this account so I can work with someone reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I retained a copy of my credit report and saw a derogatory mark for a collection in the sum of {$1700.00} from XXXX XXXX representing XXXX. I sent a formal letter to XXXX XXXX   disputing the collection and requesting " validation '' ; that is competent evidence bearing my signature on a contract. 
XXXX XXXX failed to provided me with a copy of any alleged contract or viable evidence, bearing my signature, showing the account is being reported accurately. 
I stated in my letter the debt is inaccurate and failure to " validate '' should result in deletion of debt on my credit reports.

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 2018-10-26 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: EQUIFAX, INC.
State: MN

Complaint narrative:
In XXXX of 2017 I was switching from my old provider to XXXX who provides a bundled package with XXXX XXXX. Upon an in depth review of my Equifax credit report I noticed that I was hit with TWO hard inquiries from XXXX within six days of one another. One on XX/XX/XXXX and one on XX/XX/XXXX. It's TV service, it gets shut off if you don't pay, I don't see any reason whatsoever why TWO hard inquiries would be necessary in one week. I have attempted to contact both XXXX and XXXX, but they both blame each other and ping pong me back and forth without taking any responsibility. This, obviously, directly impacts my credit score and I would like to see one of these hard inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent validation letters asking them for original signed documentation of this account belonging to me. when I call and talked to them I am told that they no longer have the documents. 

I have asked XXXX TransUnion XXXX to validate as well but they fail to do so. They tell me that I have to talk to the Creditor XXXX. XXXX TransUnion XXXX are suppose to have correct information to report negative items on my report. 

account number : XXXX Unverified 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 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent validation letters asking them for original signed documentation of this account belonging to me. when I call and talked to them I am told that they no longer have the documents. 

I have asked Equifax XXXX XXXX to validate as well but they fail to do so. They tell me that I have to talk to the XXXX XXXX. Equifax XXXX XXXX are suppose to have correct information to report negative items on my report. 

account number : XXXX Unverified Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I applied for a secured credit card with USAA bank with a written agreement that I could not only use it to improve my credit score, but to also increase my savings by adding funds to the Certificate of Deposit which the card is connected to whenever I pleased. Even though it runs off of a Certificate of Deposit which I paid into, they still ran my credit, then they charged me a fee, only to then tell me that I may no longer add funds to the CD as agreed to originally due to a " banking decision '', which is a vague and undescriptive response. 

Now I am stuck with a CD that I can not increase, as to the original agreement, a laughable credit limit, a hit to my credit score, and in order for me to start another secured card with another agency I would have to suffer yet another hit on my credit. 

Is it legal for a bank to back out of a product after they have already established an agreement??

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Card was sent to an old address by Best Buy. Have informed both the creditor and the debt collection agency that the debt was not mine. Sent reports to each informing them of identity theft and asked for the ORIGINAL PAPER APPLICATION. All they keep sending me are copies of the bills. I have shown proof that I was in another state and they still insist that the debt is mine without any proof. I have been denying this account for several years and they refuse to produce/show me the ORIGINAL PAPER APPLICATION. And according to Illinois law they have to validate the debt with an ACTUAL PAPER APPLICATION. This account is now charged off and is in a negative standing on my credit report.

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 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I asked XXXX with IQ Data to remove my company office phone from my file and only contact my personal cell phone or my home number, which he said he would. XXXX keeps calling my office regardless and now I have received a formal warning from my employer about taking personal calls during work hours. If this action continues I will be suspended or terminated from my job. This is harassment and needs to stop. If my employment is terminated I will be seeking legal damages from IQ Data.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
JPMorgan Chase is no longer my mortgage company, but they didnt honor their modification before they sold my loan. Therefore, I was left paying on a mortgage loan that began much higher. 

Chase didnt honor the modification contract for the 8-40 years. I never received the {$1000.00} mortgage payment that was due according to the final modification. The mortgage increased to {$1300.00}, which was outside of the contract, sparking me to request another modification, which was granted. 

I would not have requested another modification if the first one was  honored. Chase sold the loan to XXXX, which has increased my mortgage further.

Company response to consumer: Closed with explanation