vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-16 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: MS

Complaint narrative:
I have disputed all inquiries on my credit report, I have notified every credit bureau & the companies of each credit inquiry. I have put a fraud alert on my accounts and yet inquiries still keep popping up on my credit reports with Equifax. I have disputed by mail and over the phone on several occasions & Equifax doesn't seem to want to stand by the FCRA rules. Upon further research & investigation both XXXX & XXXX removed all disputed inquiries. I don't believe that Equifax has done any investigating into this situation at all. I am asking Equifax to abide by the laws & delete the unauthorized inquiries. I do not want to have to take Equifax to a small claims court but it's looking like that's the direction they are wanting to go in. I want these unauthorized inquiries deleted off my credit report & I'm going to do whatever needs to be done to get my results. I did not authorize any of these & it's damaging my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Eagle Recovery Associates, Inc.
State: IA

Complaint narrative:
On Friday, XX/XX/XXXX at XXXX I received a phone call from Kateena with Eagle Recovery Associates on my work cell phone ( XXXX ) XXXX. I explained to XXXX she had reached me on my work cell phone and asked that she not contact me at that number again. She then asked for another phone number. I advised her that I do not have a land line and did not wish to be contacted on my personal cell phone number either. I verified my address and asked her to send me information regarding this debt in the mail. XXXX then threatened to contact my employer and told me she would mark me file as refusal to pay. I have not received anything in writing regarding this debt. I called Eagle Recovery back on Friday, XX/XX/XXXX at XXXX and asked for the name of the representative I spoke to this morning because I wanted to file a complaint. The representative put me on hold to get a manager, " XXXX ''. I explained to XXXX what had transpired earlier that day and he told me a letter was sent on XX/XX/XXXX. I advised him I have yet to receive the letter and told him the representative had threatened me. He told me my account was not to the point of being referred and then proceeded to try to get me to give him another number they could call. When I told him I didn't have a number, he said I was asking for a Cease and Desist. I told XXXX I was not asking for a Cease and Desist, I just want some information in writing. When XXXX started to advise me on how best to open my mail, I ended the call.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gross Polowy LLC
State: NY

Complaint narrative:
XX/XX/XXXX Notice of Chapter XXXX Bankruptcy Case, Meeting of Creditor, & Deadlines filed. ( Notice attached ) XX/XX/XXXX Notice of Appearance with request for copies of all orders, notices and pleadings under bankruptcy rules 2002 ( g ) and 9010 ( b )  filed by XXXX XXXX XXXX, XXXX as servicer for the XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. ( Notice attached ) XX/XX/XXXX Final bankruptcy Decree received that included referenced mortgage property. ( Letter attached. ) XX/XX/XXXX Received letter from XXXX XXXX XXXX, XXXX stating the following : " This letter was sent to acknowledge that we are in receipt of your request regarding the REO inquiry through correspondence received from XXXX XXXX. '' -I did not make this request and sent a certified letter, with return receipt, stating the property had been surrendered in a chapter XXXX bankruptcy with all of the applicable filing information. ( Letter attached. ) XX/XX/XXXX Received NOTICE OF OWNERSHIP CHANGE from XXXX XXXX XXXX, XXXX stating that the mortgage account had been transferred. ( Notice attached ) XX/XX/XXXX-XX/XX/XXXX Several invitations to pay and miscellaneous notices from " XXXX XXXX '' received . 

XX/XX/XXXX Debt validation notice received from Gross Polowy LLC. 
-XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and ALL of its servicers are well aware that this property was discharged in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX applied for XXXX XXXX by Chase Bank credit card. 
XX/XX/XXXX called in regarding for application status. 
The rep told me I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/2012 I was a Citibank credit card holder. Theyre online system was down, so I had to call in my payment. I asked the representative over the phone for the full amount of the payment. They told me it was only XXXX  dollars. I then asked again are you sure there isnt any extra change. I processed to inform the representative that there was an additional XXXX cents to my current bill. The representative over the phone told me No your month statement is just XXXX dollars The following month Im charged with two late fee. I call and asked why. They told me because I was short that XXXX cents. I told him what had transpired. I was arguing with this over this. I told them I wasnt paying anything at all. I again even explained to a supervisor. The last thing I heard was them hanging up on me. I refused to make payments at the moment. Its now on my credit forever. We fast forward to these day Im sending this. I get a letter from Citibank issuing me XXXX for this account. I was due to them not upholding an agreement for account payment protecting. Thats not good enough for me though as their fraud went to a new level I feel. Theyve also been having their staff set customers up by not fully paying their payments over the phone. I wasnt charged for the over the phone service because their online system was down at the time for me to make my payment. However I was charged two late fees and it escalates from there. Their staff was at fault for their incorrect practices. Again I arguing with them over the phone for months just trying to get my orginal balance back. I was taken to court over this issue. Explained everything to the judge. It was still assigned to my credit. I need help in fighting this please!

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 2018-02-16 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: TX

Complaint narrative:
I am in the process of getting a home loan, and must be in the Equifax system in order to complete the home loan process. Closing date is XX/XX/XXXX. If  the issue is not fixed, I lose the house. 

XX/XX/XXXX - I spoke with Equifax about two separate lenders being unable to pull my Equifax report. I was told I did not exist in their system and needed to fax/mail documents and it would take some time to process. I faxed the requested documents ( Social security card and drivers license ) XX/XX/XXXX - I called Equifax to see where I was in the process of being put into their system so I could obtain a credit report and continue with my mortgage loan. I expressed my urgency. They said they were unable to locate the documents and I needed to fax them again. I faxed the same documents two times this time to be safe ( social security card and drivers license twice that day ). They said to call back in 72 hours. 
XX/XX/XXXX - After a total of 3 hours on the phone, I was told that my documents were finally found, and I was now in their system. The person on the phone said that I would now be able to pull my credit report, but there would be 0 information reported on it. Which was okay - for my loan everything was cleared with the other two bureaus, but I just have to have a file with Equifax to actually receive the loan money. I relayed this to the loan company, and they were unable to pull a report on me still. They then called Equifax, and we were told it would take 24 hours. 
XX/XX/XXXX - We were still unable to pull my credit report. After another 2 hours on the phone, I was told that I still have no file with them, and must get a new credit card, loan etc. and that will create a file under my name in their system. Although I gave them all the information to my current car loan and credit card. He could not answer as to why my current car loan and credit card did not create the file. 

I am quickly running out of time and am desperate to get this issue fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My personal background information to confirm my identity is inaccurate and wrong causing several problems with my bank access on my accounts. The security questions are placed on me about people I do not know nor familiar. My rental history is inaccurate and out dated. My rental on vehicles is asked instead of my personal vehicle owned. All the security questions asked does not show I am the owner of my own checking accounts thus causing massive problems with my identity to be verified. The problems mounted with incorrect update of my credit report too. The debt shows up repeatedly on my report despite the settlements. I have contacted this agency numerous occasions by phone yet it was never remedied. The dates of problems dates from 2013 to present.

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 2018-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted XXXX and spoke with a representative that stated that request to remove was done ; contacted XXXX and spoke with a representative that stated the request to remove was done ; contacted Experian ( no representative available, only automated system ). I tried to use the prompts but when the call ended the Experian system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert 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 2018-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
A few months ago, I contacted Navient about lowering my payment amount or interest, but was denied the possibility. It was difficult for me to repay at the time because I had just become a father and the expenses put me in a bind. Because I have a co-signer, I didn't stop making payments, but it was really a hard time. Now, I just had my XXXX baby, and times are harder than they were a few years ago. I tried contacting Navient again, and was denied any possibility of lowering my payments or my interest. I've been making payments for about 7-9 years and I have only made about a {$2000.00} dent in my principle. I need HELP! These people are thieves! I see that there are complaints about their forbearance program. It happened to me! When I was fresh out of school and XXXX failed to help in placing me with an employer, I wasn't able to pay. XXXX at the time, kept making me pay {$50.00} to put my loan in forbearance, and now I owe thousands in interest. It's all a big SCAM! Getting this " education '' has dug me into a hole financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
The cryptocurrency distribution company, Coinbase.com, double charged me for a single payment. I purchased a virtual currency with them on XX/XX/XXXX for {$300.00}, which worked as expected. However, I just looked to see another charge was made on XX/XX/XXXX for another {$300.00} despite me not initiating or authorizing it. There are no fees listed for using their service other than the relatively small transaction fees included in each payment. I have been trying to get a hold of them but they're support team is inadequately staffed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: MS

Complaint narrative:
My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to Equifax & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 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: MS

Complaint narrative:
My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to TransUnion & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.

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 2018-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Regarding erroneous item Carecredit/XXXX XXXX_acct XXXX reported by XXXX XXXX  to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX XXXX is reporting this account as " Collection '' when they have not legitimate claim, and has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. Synchrony refers to " Care Credit '', which is a debt that was satisfied two years ago, assumes they are one and the same accounts. Synchrony has most recently communicated that they have terminated collection efforts on the account, but will continue to report activity on it, which they have not right or claim to do. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX XXXX  has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

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 2018-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I attempted to pay my monthly mortgage payment of {$1800.00} to SLS by phone today, XX/XX/2018, and the automated service rejected my account number on 5 different calls from me. I then called every number I could find and I got the same recording stating that " our office is closed for a company meeting. Please call back in 30 minutes '' on each different line! I kept trying throughout the afternoon and NEVER got through! 
I have paid my mortgage on time for 13 years and I'm very concerned about this! Today is Friday so that means I can't get through to SLS until Monday, putting me in the penalty zone for late payment.

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 2018-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
Re : erroneous item FIRST NATIONAL BANK # XXXX reported by First National Bank to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. First Natl Bank has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. First National Bank has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

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 2018-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like to dispute the following. 

Address XXXX XXXX XXXX XXXX OH XXXX. I do not recognize this address. 
XXXX XXXX XXXX  Account XXXX I never paid this account late. 
XXXX XXXX XXXX Account XXXX I never paid this account late. 
XXXX Account XXXX I never paid this account late. 
XXXX/XXXX  Account XXXX I never paid this account late

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 2018-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My account was overdrawn by 2 two week old checks costing me XXXX in overdrafts that I can afford. This was TD Bank. I called and explained the situation to them. I spoke with the bank and at the time they said they could refund one of the fees. An hour later they still did not refund it. I called back and they turned the story around and said that they can not refund the XXXX. They flat out lied. Everyone has tough times and I was actually excited about getting the XXXX back. That means alot. I am very upset about being lied to. And would like at least XXXX back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
delete the debt, they violated debt collection laws

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 2018-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been negotiating a repayment plan with Wells Fargo. However, every time we had an understanding, Wells Fargo " moved the goal posts '' beyond my reach. I asked them, through XXXX XXXX XXXX, who helped me during this stressful moment, for a reinstatement figure. However, Wells Fargo gave me an inflated amount orally. In other words, they never had the decency to give me a written reinstatement letter. Even though we were talking about a repayment, they went forward with a foreclosure process against me. On or about XX/XX/XXXX, they said that they were going to include legal fees on my reinstatement figures. Finally, I got a reinstatement letter after several attempts. One of Wells Fargo 's representatives asked me if " I had the money to pay them back. '' In other words, the reason why I never got a reinstatement letter before was because the people who handled my request for repayment thought I was not going to be able to pay them back. On or XX/XX/XXXX, paid them {$13000.00}. But, days later, Wells Fargo, through their attorneys filed a foreclosure against me. I think they also say I owe them {$300.00} because of late fees. I hope they do the right thing and forgive said money. It is unfair that they spent legal fees on a situation that we were working on.

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