vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 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: MD

Complaint narrative:
After signing in to   XXXX   XXXX   for an extended period of time I noticed that they was a public record for a bankruptcy. I have never filed for a bankruptcy ever! I am not sure where they credit bureaus are getting this information but it is incorrect. I sent all  XXXX  bureaus a letter requesting they provide me with documenation used to validate this bacnkrutpcy but they did not they just sent an updated copy of my credit report stating tha the account was verified and updated. At the time indicated on the public record I was not even risiding in the state Maryland so it would virtually impossible to file a bankruptcy.

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 2017-05-17 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: CO

Complaint narrative:
When I started paying my student loan payments 8 years ago after   XXXX   school, I asked them repeatedly about the   XXXX   loan forgiveness program. I knew that I worked at a   XXXX   XXXX   XXXX   XXXX   and that after 10 years, my loans could be forgiven. Ive spoken to someone a t Navient every year since then, multiple times. It was n't until this year that someone notified me that I had to be on an Income Ba sed repayment plan for this to occur. So, despite the fact that I had asked them about the best way to set myself up for this loan forgiveness program, no one ever told me it had to be income based repayment plans. So now, I have to start all over in repaying 10 years of payments. It seems crooked and shady and my loans are not even going down. It feels like they just ripped me off to get more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: MD

Complaint narrative:
I previously contacted the credit bureau in reference to this account by mail. I did not get an answer back from  XXXX , and the other  XXXX  updated the account as meets FCRA requirements. However, after speaking with  XXXX   XXXX  it was determined that they would delete the account and have the  XXXX  credit bureaus do the same. I faxed in the letter stating they would remove it however to no avail the account is still being reported.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
on  XXXX / XXXX /  XXXX   I called  Citibank Home Equity Loan Dept  to inquire about a home equity loan that was paid in full however continues to show that we are late with payments. I faxed over a dispute letter as instructed along with a satisfaction of mortgage to Citibank and was told I would get a letter in the mail and also an email stating that the dispute was being processed. I called them on  XXXX / XXXX /  XXXX   to inquire about both since I did not receive it and the person I spoke to said the letter was mailed out on  XXXX  and that I should receive it on  XXXX / XXXX /  XXXX  . I still had no email. on  XXXX / XXXX /  XXXX  , I called to say that I had n't received any letter/email and was promised that a faxed copy of the letter would be sent to me by the end of that business day which I did not receive. On  XXXX / XXXX /  XXXX   I called and was transferred to several people for almost  two  hrs to finally speak to a supervisor that said that my dispute was not opened up properly and that no letter was available to send me. I have been asking for a letter to provide to my mortgage broker stating that we are paid in full and are not late with any payments. After that supervisor  XXXX  hung up on me I called back and got a person named  XXXX  who said that he was send me a paid in full letter that I could send to the credit bureaus and it would be faxed and emailed to me within  24  to  48  hrs. This is delaying my mortgage process.  XXXX  even said that we are paid in full and have no current business with Citibank but the service has been horrible, I often get transferred from  one  person to another. Im told various things and nothing seems to be happening to get my credit report corrected. my credit reports states that I have been late from  XXXX  to current.

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 2017-05-17 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: WI

Complaint narrative:
On my Equifax report, it states an item is in dispute. I have been asking Equifax to remove the dispute for over a month. I am purchasing a home with a mortgage through my bank. The offer is contingent that in order to close on the house, that item has to be marked closed, paid in full.   The item has been paid in full for quite a while now  ( from   XXXX   XXXX   ),   with showing a   XXXX    balance, but still shows that it is in dispute. There is nothing to dispute, being that I paid the collection in full back in   XXXX   of this year.   Everytime I call Equifax, they tell me that they will take care of it. I received an email today with my Equifax report, shows that the item is still in dispute, after they ensured me it will be marked paid in full.   If this is not corrected, I will lose the deal on the home. I have paid for my appraisal and home inspection as well as {$5000.00} is earnest money. I fear that I will lose out on all of that if this is not taken care of before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MS

Complaint narrative:
I really just had a question to whether I was being mislead or was it legal. I filed bankruptcy in   XXXX   XXXX  . I soon received a letter from sallie mae saying that I was in default of my loan. I told them that my loan was in deferment. They told me that when you file bankrupt the promissory note was no good. I asked for a copy of the promissory note because I could n't print it. They locked me out of my account because they said I did n't have access since I filed bankruptcy. I asked them can I get someone else to buy the loan they said no because I defaulted. I called my bankruptcy lawyer, he asked for a copy of the promissory note, I told him I could n't get it. He told me that the best thing to do was she what type of payment plan they have because I am responsible, in which I knew this. Sallie mae told me I had to pay  XXXX  dollar down by   XXXX   XXXX   XXXX   and thereafter  XXXX  and it had to be automatic withdrawal. The contract ends every  two year s and you have to renew it. So in   XXXX   XXXX  , I noticed the money was still on the card so I called to see why they have n't took the payment, I was told that I did n't renew the contract. I told them no one informed me that it had to be renewed every  two years . They told me a guy supposed to had called. I have n't received no calls but anyway, I just wanted to know can they do that. I was also told that default would be on my credit for at least  10years. That i s n't fair, just because you file bankrupt does n't mean that should go on your credit especially if I 'm paying in a timely manner as agreed. Also why is my account still lock?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: MD

Complaint narrative:
After signing in to   XXXX   XXXX   for an extended period of time I noticed that they was a public record for a bankruptcy. I have never filed for a bankruptcy ever! I am not sure where they credit bureaus are getting this information but it is incorrect. I sent all  XXXX  bureaus a letter requesting they provide me with documenation used to validate this bacnkrutpcy but they did not they just sent an updated copy of my credit report stating tha the account was verified and updated. At the time indicated on the public record I was not even risiding in the state Maryland so it would virtually impossible to file a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: MD

Complaint narrative:
After signing in to   XXXX   XXXX   for an extended period of time I noticed that they was a public record for a bankruptcy. I have never filed for a bankruptcy ever! I am not sure where they credit bureaus are getting this information but it is incorrect. I sent all  XXXX  bureaus a letter requesting they provide me with documenation used to validate this bacnkrutpcy but they did not they just sent an updated copy of my credit report stating tha the account was verified and updated. At the time indicated on the public record I was not even risiding in the state Maryland so it would virtually impossible to file a bankruptcy.

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 2017-05-17 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: IN

Complaint narrative:
In XX/XX/XXXX I got a credit report pulled and it was showing that I had been 17 times late on my car payments with XXXX XXXX I call them that day and they told me that I was behind on my car payments two difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months  before they gave me credit for thos payments there was two payments that they told me that I did not pay I fax a letter to XXXX and told them they must report to all three credit agents that I had not been late. But they never did. I have been on them since XX/XX/XXXX. I got a call today from XXXX saying they wanted to let me know that they was going to have 14 late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in XX/XX/XXXX. The lady said so there is nothing that I am going to do about that. I call the head office of XXXX in XXXX IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called XXXX XXXX XXXX that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all three credit  Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from XXXX XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
In   XXXX   XXXX  , I was in the process of applying for a home improvement loan and found that there was an unknown cre dit card through BarclayCard o n my credit report. I had called and disputed the card and charges, which at the time was approximately {$2700.00}, and after that did n't think anything of it since I was told I would get a phone call if there were any other questions. In about   XXXX   XXXX   XXXX   I called to check and make sure that there was no longer an active account in my name, at that time I was told that someone had called and claimed responsibility for the debt the day after my initial dispute. I continued to dispute the charges and they told me that since someone took responsibility the dispute will come back denied each time I put it in. I have received a collections notice from the agency representing them now and am still disputing the charges which are now {$2900.00}.

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 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I recently had my credit report pulled and can see that there is a medical debt collection on my report. I was not aware that this was on my report, as I did not receive a letter or a bill for this amount. I called the creditor and spoke to  XXXX  and advised her that I had not ever received a bill for this but was willing to take care of it if it would be removed from my credit report.   She advised me that she would settle for 50 % less of the balanced owed, but if I settled, my credit report would show " settled in full '' with a balance of what was owed, but if I paid the full amount owed, my credit report would show " paid in full '' with  XXXX  balance.     She took my credit card information and when I asked for a " Letter of Deletion '' she then advised that she could only report that it had been paid, and that it would not be deleted.     I do know that it is a violation of the FTC guidelines to tell a customer that they can settle their account but that it will still say " settled in full '' and will still include a remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have previously filed a complaint against my mortgage lender, SPS, and after reading their response, I still am unsatisfied with what they are stating. My number one issue is the fact that they breached their contract with me. When I received a loan modification through XXXX XXXX XXXX, XX/XX/XXXX, the agreement was that my property tax and homeowners insurance were to be impounded. When SPS took over my loan in XX/XX/XXXX, they agreed to all terms of my loan modification. I received a letter in XX/XX/XXXX from SPS stating they are not responsible for my homeowners insurance and that I would need to pay it myself, due to the fact my home was considered a condo. I had no problem paying my own insurance for my home, however, when I was given a loan modification my mortgage payment included my property tax and my homeowners insurance, when they were no longer paying my insurance, my mortgage payment should of decrease by the amount going to my insurance company THIS NEVER HAPPENED. When I questioned the situation SPS stated my homeowners insurance was the responsibility of my Homeowners Association. This was absolutely false!!!! I pay 2 homeowners associations totaling {$200.00}. I wish my insurance was being included. SPS also stated that my mortgage company NEVER paid my insurance, which once again is false. Attached is a document from XXXX XXXX showing XXXX XXXX XXXX previously was paying my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: CA

Complaint narrative:
On Monday  XXXX , I went to  XXXX  in  XXXX , California to purchase a replacement  XXXX . Because we were unable to access the system with my  4-digit p asscode, I telephoned "  XXXX  '' for assistance. The  XXXX  service person attempted to sell me the  XXXX   XXXX   service and of fered {$300.00} credit. I said no thank you ( as I already have   XXXX   XXXX   ) .. Upon hearing the 'no thank you ' response, I was informed by the service person that she could not assist with the passcode.     On Tuesday, I received a  XXXX  notification of a credit inquiry by  XXXX   XXXX . This credit inquiry, to verify my credit worthiness for  XXXX   XXXX , was not requested and it was not authorized. Because credit inquiries have an adverse impact on credit scores, each and every inquiry should be authorized by the individual consumer. NO company should have the privilege of impacting someone 's credit score without clear authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: WI

Complaint narrative:
Received a phone call about a collection for  XXXX , contacted  XXXX  over the phone,  XXXX  stated no account was active and or open, requested from  XXXX  written information on account, was not able to receive information, because nothing was on file. Disputed account with  XXXX  back in  XXXX  over phone service which was provide and did not meet customer approval. This collections appeared on my credit report,  Diversified Consultants INC. Disputed collections, requested a settlement agreement with paperwork over the phone in a  conversation with Diversifi ed Consultants Inc . Th is conversation took place at my home in  XXXX    XXXX  , requested paperwork to prove nature of collections either by  XXXX  and o r Diversified Consultants Inc . I was not granted the paperwork for proof of debt and or billing statement being disputed from  XXXX  and or  Diversified Consultants INC. Re questing this company removed from my credit report any debt collections, we reached at a settlement and paid on  XXXX  the amount of  XXXX  $ I was told this would be removed from my credit report, however  XXXX  could request the addional  XXXX   . And could turn this over to a debt collector. Requesting an investigation,  XXXX  who hired this  comp any Diversified Consultants Inc. To  collect a deb, I need to know this is a true collections agency seeing nothing is listed in the State of Wisconsin  . I also  want this removed from our Credit report from  XXXX    XXXX  , all debt collections seeing we were not able to receive information on billing debt from both parties. Note we have been in contact with  XXXX , and requested to settle with  XXXX  directly, however no information was on file at  XXXX , Since  XXXX  we have been disputing and requesting data from  XXXX , which  XXXX  was not able to provide, In closing I would like a response to this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This is the second claim I have submitted on the bank, HSBC. I sent   XXXX  wi res to customers of the bank, totaling  XXXX  from my   XXXX   XXXX   XXXX   account. We suspected fraud so they   XXXX   wires were recalled but the funds have not been returned. The first complaint that I submitted were met by a response from HSBC that called for a letter for indemnity from    XXXX   XXXX   XXXX  . The lady in charge of the Fraud Dept at   XXXX   XXXX   XXXX   informed me that they are not able to provide such a document. If they  wish, I will sign such a letter for them, if it will help get my funds returned. My prior complaint # is  XXXX . Please recontact them for me and urge them to cooperate. I urgently need my money. I took out home equity loans to take part in this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: PlusFour, Inc
State: FL

Complaint narrative:
PlusFour, Inc.   XXXX   XXXX   XXXX   XXXX  , #  XXXX ,  XXXX , NV   XXXX   sent me a notice on   XXXX   XXXX   XXXX   stating that I can dispute their charge of {$72.00} within 30 days of receiving their notice. I disputed this charge in my letter of   XXXX   XXXX   XXXX  . See my attached letter of   XXXX   XXXX   XXXX  . I had not heard from them but found that they reported non payment of this account to the   XXXX   credit agencies ( e.g.  XXXX  ), thereby affecting my credit rating. So I sent them a letter on   XXXX   XXXX   XXXX   ( attached ) asking that they reverse the nonpayment to the credit agencies and that I would remedy this charge. I never heard from them and it is now   XXXX   XXXX   XXXX   and their notice to the credit agencies still persist. Account #  XXXX

Company response to consumer: Closed with explanation