vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am attempting to purchase a home. My name changed after my divorce and XXXX XXXX and XXXX  were able to release my report to my mortgage broker, but Equifax is refusing to release my report, even after multiple calls and attempted faxes, multiple emails and submission of five forms of identification to a customer service rep, including my birth cert, drivers license, social security card, divorce decree, and a bill coming to my current address in my current name. 
Two days ago, I got an email stating that my case was closed, but they are still refusing to update my information or release my information to my mortgage broker. I may lose the purchase of this house due to their refusal to acknowledge my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
The following items, I have never had accounts, with these vendors, my credit was perfect and I have continued to get negative items, on my credit report, that are not my account. I have several energy accounts, that aren't my credit account. 


The following accounts are listed on my credit and I have never received any, communications, regarding the accounts. They were just posted to my credit report. 

Online collections original creditor ( XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX Online collections original creditor ( XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX original creditor ( XXXX XXXX XXXX XXXX XXXX Acct # XXXX Phone # XXXX XXXX XXXX XXXX Acct # XXXX Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have owed student loans since XXXX. The total originally was around 50k. Over the years I have been offered forbearance for my loans that resulted in a much higher balance. Originally I was with Sallie Mae and then was transferred to Navient. I feel that Navient failed to help me with options that were available to me and would have helped me throughout the years. In XX/XX/XXXX-XX/XX/XXXX I was having a horrible financial time and Navient could have offered me the IBR plan but did not help me with this option or properly help me seek this option. In XX/XX/XXXX I  applied and I was actually denied the plan even though I qualified. I feel that Navient made it difficult to be set up on the IBR but very easy to be placed in a forbearance. I was so unhappy with Navient and at some point I was contacted by a third party that offered me the IBR plan and explained it to me. This third party said i needed to transfer to XXXX  XXXX XXXX in order to be able to take advantage of the IBR plan because Navient did not allow it. As a result I have been on the IBR plan with XXXX XXXX for a few years now. My payments are affordable and I have not seen an increase in my principle as I did for so so many years. Due to the Navient and Sallie Mae multiple forbearance and high interest I currently owe XXXX and had I been on the IBR plan when it was first implemented back in XX/XX/XXXX I would not owe so much interest and so many more years of payments. 

Also, Navient was evaluating my situation and said I did not have to worry about the late payment and they ended up hitting my credit with a 90 day late. This is still on my credit. 

If I could please join the lawsuit I feel I am a good candidate. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
1. I paid {$270.00} for seat selection on XXXX XXXX. However, I did not receive {$200.00} reimbursement benefit as shown on my card.

2. I have spent {$5000.00} within 2 months after subtracting all refunds and annual fee. But I XXXX took my signup bonus away without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
This CBE Group keeps calling but leaving no message. They call several times a day. I understand they are a debt collection agency. I do not have any debt and there is no one else in my household who owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have disputed this alleged and erroneous account currently being reported by the credit bureaus for XXXX XXXX XXXX. This isnt my first time disputing this alleged account and the time previously it has come back verified with no proof or no notification of what method of verification was used. Also the account shows inaccurate information. The spelling on this account is XXXX XXXX. My name is XXXX XXXX As per the FCRA Section. 609 and/or Section 681 the information on my consumer report must be 100 % accurate. As the misspelling of my name on this alleged account created by XXXX  is incorrect and is being furnished to the credit bureaus ( all three ) is causing a negative impact on my reputation. Also the invasion of my personal and private affairs by XXXX XXXX XXXX seems to be a violation of consumer rights as well.

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 2018-04-11 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: NJ

Complaint narrative:
I made multiple dispute with TransUnion and they still refuse to remove the inaccurate information on my credit report when I send them all the supporting documentation and they put that they verified the account when you clearly can see that the accounts are inaccurate, i ask how you guys verified the accounts and also can you send me the method of verification also they refuse to send me that as well. 
They are in valiation of my right fdcpa and I demand that the accounts be removed

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have disputed this alleged and erroneous account currently being reported by the credit bureaus for XXXX XXXX XXXX. This isnt my first time disputing this alleged account and the time previously it has come back verified with no proof or no notification of what method of verification was used. Also the account shows inaccurate information. The spelling on this account is XXXX XXXX. My name is XXXX XXXX. As per the FCRA Section. 609 and/or Section 681 the information on my consumer report must be 100 % accurate. As the misspelling of my name on this alleged account created by XXXX  is incorrect and is being furnished to the credit bureaus ( all three ) is causing a negative impact on my reputation. Also the invasion of my personal and private affairs by XXXX XXXX XXXX seems to be a violation of consumer rights as well.

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 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: MA

Complaint narrative:
The complaint is in response to a phone call made to Nelnet concerning my request to have inaccurate late payments removed from my credit report. My credit report reflects several late payments XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. During all of those time periods my loans were placed in an Administrative Forbearance meaning that my account should have not only been brought current but also backdated to reflect that. During the phone I was told that such reports could not be removed unless I was in the military. The representative explained that although I am correct the Administrative Forbearance is backdated making those payments current once Nelnet reports to the credit bureaus it could not be corrected. Contrary to these assertions, by failing to update previously reported information, Nelnet is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

I have attached an FTC advisory opinion, which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer-reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

Nelnet representatives told me that because the delinquent payments were accurately reported that any subsequently initiated forbearance would not allow for Nelnet to update reports to CRAs to show that the payments were not late and actually in forbearance. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * These inaccuracies are hurting my life in a major way and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank refuses to submit confirmation of loan payoff to the Credit Reporting Agency. On XX/XX/XXXX my loan was paid off in full. On XX/XX/XXXX, I received a letter from Wells Fargo declining my request for a secured credit card with Wells Fargo. The decision was based on " accounts with Wells Fargo were not paid as agreed ( we look for a history of on-time payments ) ''. After contacting the call center bankers, no one was able to explain what accounts are in reference, what needs to be submitted to correct the information, and who can provide an assistance. The only loan account I had with Wells Fargo was paid in full. Wells Fargo bank refused to submit the confirmation of account payoff to Credit Reporting Agencies which damaged my credit history and my credit score.

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 2018-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Special Financing Company, LLC
State: CA

Complaint narrative:
I obtained a loan for a XXXX XXXX XXXX XXXX from my XXXX so that I can attempt to XXXX. The loan amount was paid directly to the doctor however after having an XXXX XXXX it was discovered that the XXXX were never removed meaning although I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  therefore, I am requesting to no longer be obligated for the loan I obtained and that the loan company retrieve payment from the Doctor Who they paid to complete the procedure. ( XXXX XXXX XXXX ) no one at the medical facility is contacting me back and no one that at XXXX XXXX XXXX is attempting to resolve the issue or contact me back either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: PA

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and inquiries were incurred in my name without my knowledge and/or approval. I have phoned my dispute to this company on 2 instances in XX/XX/XXXXwithout resolution with all the relevant information they needed to verify my claims but these unverified inquiries are still showing on my credit report. Please delete these erroneous inquiries from my report ASAP : XXXX XXXX pulled on XX/XX/18.

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 2018-04-11 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: ERC
State: LA

Complaint narrative:
The following items, I have never had accounts, with these vendors, my credit was perfect and I have continued to get negative items, on my credit report, that are not my account. I have several energy accounts, that aren't my credit account.

The following accounts are listed on my credit and I have never received any, communications, regarding the accounts. They were just posted to my credit report.

XXXX XXXX   original creditor ( XXXX XXXX XXXX ) Acct # XXXX   Phone # XXXX XXXX XXXX  original creditor ( XXXX XXXX  ) Acct # XXXX Phone # XXXX XXXX XXXX   original creditor ( XXXX XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX XXXX  Acct # XXXX Phone # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Week or so prior XX/XX/18 saw ad on web page from Discover, for balance transfer at 0 % /14months. I applied for {$14000.00} + 3 % fee. They answered showing the total amount, and informed " Approved '' - I would be getting card soon. XX/XX/XXXXrecvd card and checked with my bank to see if transferred - Not so, therefore called Discovery who claimed I was only approved for {$950.00}. plus {$50.00} left on card. Very upset and talked to Supervisor in Ohio ( XXXX, Badge XXXX ) - Informed her this was misrepresentation/Scam/Fraud and wanted card cancelled and transfer not made. She claimed amount in process and the only option was to contact my bank asking them to return the {$950.00}. ; but I declined as did not want to get my bank involved in their mess, so just asked the card be cancelled and they should inform the credit agencies as this would affect my credit score. Aside from cancellation, they could not do anything else. I have ripped the card but now I am stuck with another separate loan payment. They need to inform people of amount approved before sending card. Seems to me a good scam to provide addtl cards, possibly with intent people will use them when desperate, and at a LOAN SHARK rate. Pls look into their practice method. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
I have had several account, that don't belong to me or that aren't correct. The accounts are as follows : XXXX XXXX acct # XXXX   Phone # XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, TX XXXX  Original creditor ( XXXX XXXX ) Never had this account, didn't sign for it or authorize this account to be issued.

Receivable Recovery Acct # XXXX Phone # XXXX Address : XXXX XXXX XXXX, XXXX, LA XXXX  original creditor ( XXXX XXXX XXXX ) I went into the ER and I had insurance, my insurance company, didn't notify me I had a small balance due. Nor did the service provider notify me via phone, mail or email, that there was a balance due. Receivable Recovery, didn't notify me of any debt, via phone, mail or email.In order to place a medical bill on a credit report, as a negative account, the debtor must notify and provide a certain period of time, to cure the balance prior to placing it on the credit file. Not notification of any kind was provided, to me as the consumer. Per the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I signed up for a bank account with Well Fargo. There was an introductory offer that if I made 3 consecutive direct deposits of {$500.00} or more for 3 months, then a {$200.00} sign up bonus would be applied. I met those requirements but did not see the bonus by the time if was supposed to show up.

I then contacted Wells Fargo the service rep stated I met the requirements but the service rep said they would not pay it. To quote the service rep precisely : Mr. ________, I reviewed your account and our records show that the requirement of the campaign were met and we are therefore not able to issue the promotional credit.

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 2018-04-11 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: SC

Complaint narrative:
Transunion sent me a letter confirming that the XXXX XXXX inquiry was deemed fraudulent. I recently submitted a complaint to CFPB with details about how I reached out to these companies and Transunion concerning the inquires listed on my report. I asked each company to submit a statement to Transunion and I attempted to dispute with Transunion as well- XXXX XXXX, XXXX XXXX , XXXX, and XXXX XXXX  . XXXX XXXX is the only company to comply. I am asking for the other inquires to be removed per my rights stated in the letter attached sent on behalf of Transunion. I can not make the other companies comply but this is proof that I did follow protocol and disputed with each company as Transunion asked me to.

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 2018-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX I was granted an extension from XXXX XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was sent a letter stating that I didnt pay XX/XX/XXXX payment so I called into them to discuss the matter. Ever since XX/XX/XXXX I have tried to correct numerous issues with them but they lie and give excuses. They caused numerous bounces to my bank account in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They asked me to send in proof which I sent in numerous times by email, fax and a certified letter. They kept saying they didnt receive it which is impossible sent it was sent in at least six to seven times. I complained to the XXXX in XX/XX/XXXX but XXXX stopped answering them. I had to make complaints with the Attorney Generals Office of Arizona and Consumer Affairs. I asked XXXX for a detailed bill telling me exactly what they are charging me including any late fees, bounce fees, etc. They refuse to send that out which I find ridiculous since every other company sends out an itemized bill. They are trying to say that I owe them {$1900.00}, but I only owe them a little over {$900.00}. They tried to say that I owe for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but I dont. I only owe {$300.00} for those months that I am paying off by the XXXX like my husband told them. They reported to the credit reports that i am 70 days past due but Im not even thirty days past due.

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 2018-04-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
We received a REINSTATEMENT CALCULATION letter on XX/XX/XXXX. We sent payment on XX/XX/XXXXovernight via certified mail and return receipt. The return receipt indicates that payment over $ 17K was received on XX/XX/XXXX.

We have called XXXX three times on different days always leaving a voicemail to the account manager at ext. XXXX.

As of today, we have not received any confirmation from Bank of America, N.A., that the payment has been posted to Account Number XXXX.

We made the payment under duress before the foreclosure sale as indicated in the attached letter. We were never previously notified that that there was a " foreclosure sale ''. We do not understand.

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