vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is reporting that i made payments to them when i did n't. They are also saying that i was late on a payment that was recently made. Which i never made a payment. They restarted the clock on my account, so now the SOL has restarted. I am also in school and all of my school loans are in deferment. This loan should still be in deferment until XXXX 2017. They keep raising the interest on the loan which is making it 10 times harder to pay it off. They did not notify me that they were putting that i made any payments and they are harassing me every day calling me about loans that i owe, that should be in deferment. If you were to look at my other school loans, they are on deferment. i want them off my credit report because they are reporting false information and i am trying to rebuild my credit and this is not right to report that I 've made any payments just so they can restart the clock on my account and i now have to wait another 7 years. i never made a payment because my loans are supposed to be in deferment just like my other school loans. The loan is three times the amount of the loan that it as originally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: NY

Complaint narrative:
On XXXX XXXX, XXXX I checked my Equifax credit report and noticed that my credit score decreased by several points due to a recent change. Upon checking the alerts, I noticed that several accounts that had been deleted from my report were added back on to my Equifax credit report. I then went on to check XXXX and XXXX and saw that they did not do this. This was clearly a problem specifically with Equifax. I called Equifax and spoke to a representative who informed me that there is nothing she can do and that Equifax is not the source of the problem. I would also like to mention that I never received a 5 day notice of any items being added back to my credit report. This mistake caused by Equifax has caused my score to decrease and has also re-aged the accounts that were at one point removed. I demand that Equifax remove these items from my credit report AGAIN and keep them removed as they have caused enough damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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:
Equifax deleted 3 collection accounts, then reinserted the accounts without my knowledge. Per FCRA, they must notify the Consumer 5 days prior before reinserting the collections. I was never notified therefore they are in violation. These 3 collections were closed and reinserted on the same day, XXXX/XXXX/2017. I disputed the accuracy of these accounts and they were removed, they should not have been reinserted back to my report. In the attachment below these are the exact same 3 accounts being removed and added back WITHOUT prior notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: TX

Complaint narrative:
On XXXX XXXX, XXXX, I called Experian to file a dispute on my XXXX XXXX XXXX tradeline. The dispute was for the incorrect reporting of a 30 day late in XXXX XXXX and a 30 day late in XXXX XXXX. Experian stated that those dates were both reported as 30 day late payments from XXXX XXXX XXXX credit reporting department. On Monday XXXX XXXX, XXXX, I spoke to a representative in the President 's Office at XXXX XXXX XXXX and she confirmed with the credit reporting department that I was NOT 30 days late in the month of XXXX or XXXX XXXX, and that I was not late at all in the year XXXX. On XXXX XXXX, I submitted a written request to Experian Customer Support and someone named XXXX XXXX responded, I requested that a Manager from the Dispute Department to contact me and I have yet to receive a phone call or email from anyone at Experian. I received a letter from Experian dated XXXX XXXX, XXXX stating that " our reinvestigation of the dispute you recently submitted is now complete ''. How is the investigation complete and I just submitted to you on XXXX XXXX, XXXX?! I have called several times and XXXX XXXX XXXX is saying that it is Experian 's fault for ignoring the information that they are submitting to them with the monthly reporting information, and Experian is saying that it is XXXX XXXX XXXX 's fault because they are continuing to report my account as 30 days late for both XXXX and XXXX of XXXX. Experian is not contacting XXXX XXXX XXXX to obtain correct information from the actual Credit Reporting Department themselves, and XXXX is saying that the incorrect reporting is not their fault it 's Experian 's fault. This needs to be corrected and XXXX XXXX Credit Reporting department needs to send the correct payment history for XXXX to Experian, and Experian needs to report my information correctly. I have not been late on my account in over two and half years, and this situation is unfair and frustrating.

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 2017-10-16 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: SC

Complaint narrative:
As of this morning XXXX accounts were deleted from my Equifax report that I had disputed. Then later in the day they were added back on. Since then my credit has dropped and started the aging on those older accounts all over again! As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a customer of the Capital One Union Plus card since XX/XX/XXXX. Since I opened this card, I have submitted all payments through autopayment directly from my bank account and have not had any late payments. 

In XX/XX/XXXX, I was notified by XXXX that my credit score had dropped significantly by 69 points from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I called Capital One customer service and they mentioned that they had done a system upgrade on their website and that the autopayment did not carry over which caused a late payment and a reporting to the credit bureau. I was asked to re-enroll on the new website and reset up the autopayment. 

I do not recall receiving notification of the system upgrade and the need to enroll to reset my information. I just checked the website on https : //unionplus.capitalone.com/ and it states that customers should reenroll to access their accounts, but specifically states that " Payment settings will transfer.Your existing AutoPay information will carry over to the new website. '' This clearly did not happen. I told the customer service agent that I did not receive this information and requested to remove the late payment from my credit report since it was due to a system upgrade that didnt transfer my autopayment details, but they told me that that would not be possible. 

I have been working very hard to build my credit score back up and the 69 point drop seriously impacts my ability to access credit and improve my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MS

Complaint narrative:
I submitted for a loan on XXXX/XXXX/XXXX and was approved for XXXX. My first payment was due on XXXX/XXXX/XXXX. My income is based on what I receive through XXXX. I had a medical emergency with a up front cost that I had only days to pay soI got the loan. Closer to due date, I sent an email and called to reschedule payoff through a debt consolidation loan through my bank and I would payoff the loan and be loan on my first and only payment. The day I tried to talk to them I was either on hold or hung up on twice. I didnt want them to send it through but got the run around and sent three times. I were charged with massive bank fees through them and the effects it had on other transactions. The bank closed my 5 year checking account now they have called me at least 30 times. If they would have tried to work with me I wouldnt be in this bad of shape. I am lookin for one payoff amount and be done. I will never get this again because with XXXX, you never know what you are going to get and it helps if the business is not CRAZY like these people,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has the responsibility to keep my private information safe and secure. I am appalled that Equifax would allow this to happen. Not only did they allow this to happen but they also acted as criminals when they started to sell off stock before it hit the news.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
In XXXX into XXXX preapprpved through local mortgage company for cha for XXXX w 3.5 %  down asked by amerisave to upload deppaoys XXXX numerous contract all reuploaded within 24 hours.  On day of close XX/XX/XXXX amerisave decided to tell title company that loan was n't going through after cousins accou t through XXXX XXXX was dinged for wire live transfers. Had to move because buyer need weekend to redo kitchen living bathroom and need money for down payment of new house and to pay off his loan. Letter of homeless caused by amerisave and then they co rates me in XXXX and wonder about why I did n't close yet. Resigned papers 5 times have emails and proof. Rate locked at 3.5 to close showed 3 %

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 2017-10-16 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: LA

Complaint narrative:
I sent a dispute letter to Equifax and XXXX concerning unauthorized credit inquiries on my account. Equifax sent me a letter regarding the inquiries are accurate with no validation sent to my address. XXXX claims to have never received my letter which contains personal information someone can use against me. Validation of credit inquiries upon request is my right according to the FCRA. I have yet to receive any documentation sent to my address. My XXXX XXXX account was also hacked causing me to change my password and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX XXXX, XXXX Equifax has removed 9 incorrect & fraudulent accounts then later added them all back onto my credit report on XXXX XXXX, XXXX without giving the legally required written notice 5 days prior to them re-adding them. I have contacted Equifax in good faith to ask them to delete the incorrect information that they had illegally re-added. The information & incorrect accounts has caused a hardship and that my rights were violated by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: LA

Complaint narrative:
I sent a dispute letter to XXXX and Experian concerning unauthorized credit inquiries on my account. XXXX sent me a letter regarding the inquiries are accurate with no validation sent to my address. Experian claims to have never received my letter which contains personal information someone can use against me. Validation of credit inquiries upon request is my right according to the FCRA. I have yet to receive any documentation sent to my address. My XXXX XXXX account was also hacked causing me to change my password and email.

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 2017-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX I had lost income and was 5months behind in mortgage. I worked very hard in catching these payments up with 2 left to pay XXXX took it apom themselves to pay my taxes and got insurance for my home and without my knowledge. I had insurance on my home and have til XXXX XXXX to pay my taxes which I have done for XXXX now. I called to straighten out this disaster in finding out my mortgage jumped from XXXX to XXXX monthly. 
I am so upset and now XXXX behind and late fees keep accumulating. I ca n't get any help for a loan because they have posted this to my credit report. I 've asked to add balance to end of loan so I can get things back on track. What can I do???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
On XX/XX/XXXX I discovered a collection on my credit file, I never received a letter, email or anything about this company ... MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX MO XXXX on XX/XX/XXXX, I called their # XXXX. 

I was told that the " debt " is to XXXX XXXX, an online loan going back to XX/XX/XXXX! 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX acct ... XXXXXXXX for XXXX XXXX. I HAVE NOT DONE ANY ONLINE BUSINESS WITH THIS COMPANY! ... .EVER. 

So, I asked for debt verification, the loan amount, where and when did you send the " money ''? 
was it a bank account? what bank account? who 's banl account? what terms? what payments? 

NO INTELLIGENT ANSWERS, from MIDWEST RECOVERY SYSTEMS! 
BUT the collection is on my credit file, it only dinged my credit 10 points ... but IT IS BOGUS, FRAUDULENT AND A SCAM!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: AZ

Complaint narrative:
I have disputed the mistake in my report : XXXX XXXX XXXX # XXXX : This account has been paid off since the end of XXXX, why you report the status Late in 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 non-monetary relief
Consumer complaint received 2017-10-16 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: CA

Complaint narrative:
I opened my credit card in XXXX, and I finished all the spending requirement on XXXX XXXX, after few weeks, I had n't got any bonus from XXXX, So I online chatted with them 2 times, the answers were just waiting. after 12 weeks, still no bonus posted, then they opened a case for me. but now already 1 month later. still, nothing coming to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am so angry at them I just want to cry and they could care less about their customers. Obviously because their customer service never responds and who has time to wait on the phone for over 45 minutes. Ive gone in to deposit checks and they cant even find me in the system. Ive been a customer for almost 2 years. 
Their unexpected fees are deceitful. 
They charged my savings account on XXXX XXXX {$15.00} for a service fee and on the same day {$29.00} in excess transfers ... all without me ever knowing they do this. Why dont they alert us if we are going over our monthly limit which I never did. 
I inquired about them on XXXX XXXX and received this response Upon reviewing your information, we were able to verify that your account ending inXXXX is a XXXX XXXX XXXX account. For this type of account, there are only four free withdrawals allowed per quarter ( 3 months ) at no charge. A {$3.00} excess transaction fee will be applied for each withdrawal transaction in excess of the four per quarter cycle. 
The Federal limit is 6 per month. XXXX I had 3. XXXX I had 5. It shouldnt matter what account I have. 

Then, I recently changes jobs so had to mobile deposit a check, a corporate check since my direct deposit hadnt taken place yet. It took them over a week to release the check. In the meantime, I could see they were including it in my account and letting my use my card. Called and emailed numerous times about the hold and release times. Emailed and tweeted on XXXX XXXX & XXXX and talked with someone on the XXXX. 
Check was deposited on XXXX XXXX and released on XXXX XXXX. Then they charged me {$340.00} in insufficient fees. 5 on XXXX XXXX, 2 on XXXX XXXX and 1 on XXXX XXXX. 
On XXXX XXXX I emailed regarding the charges, got a response about setting alerts and I responded on the XXXX. No response. 

None of the responses were helpful at all. 
Now Im negative and still being charged fees. And have no money. Like them charging my savings when there was no money there. Or asking over three times to turn off my over draft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-16 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: CO

Complaint narrative:
Requested Transunion original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.

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 2017-10-16 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: LTD Financial Services, L.P.
State: CO

Complaint narrative:
Requested XXXX original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: CO

Complaint narrative:
Requested XXXX original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called to make a payment and was informed that I would be charged a late fee as it was already past XXXX XXXX time. It was XXXX XXXX, I am on the west coast and I did not know this from my previous issue. 

Back in XXXX, I made a payment via the mobile app and it was deducted from my bank account but never credited on the account. Thus I was charged a late fee at the time. After seeing that and calling to provide proof of payment the charge was reversed as Chase rep stated they were having issues with their mobile app. The rep told me I could call up to XXXX on the due date and have the payment made over the phone without a late fee. He never stated this only applied to XXXX time. I was under this understanding so I believe Chase holding me accountable for their mobile application issues to be unfair and the rep to be misleading me about payments.

Company response to consumer: Closed with explanation