vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting duplicate accounts for my student loans, which is causing my debt to income ratio to shoe {$47000.00} more than what I actually owe. I was unable to close on my home due to this, which litterally cost me over {$5600.00} in losses due to Equifax negligence. Myself and the merchant ( XXXX/XXXX XXXX XXXX ) have sent several request demanding credit profile correction and yet to date they have failed to update. 
Acct ( s ) ending in : XXXX Amt ( s ) : {$1600.00}, {$2500.00} XXXX {$3400.00}, {$610.00} XXXX {$5600.00} XXXX {$4100.00}, {$6700.00} XXXX {$4500.00} XXXX {$4300.00}, {$5000.00} History of communication : XX/XX/XXXX - XXXX/ XXXX XXXX XXXX submitted to Equifax that a total of 12 student loans were consolidated into 2 new loans. This request updated with all other major credit reporting agencies ( XXXX  and XXXX ) accurately. 

XX/XX/XXXX - I reached out to Equifaxto inquire why updated information had not reported on my credit report. Advised that XXXX/XXXX XXXX XXXX had not sent any updated information to them. 

XX/XX/XXXX - I made contact with XXXX was explained my delima ; advised by merchant that reporting was submitted to Equifax XX/XX/XXXX. However, they would submit another request to have 12 account updated to paid and closed. 

XX/XX/XXXX - Received an update from Equifax stating that merchant verified that current ( inaccurate ) information was correct. 

XX/XX/XXXX - Made another contact with merchanct, XXXX/XXXX XXXX   XXXX and advised to send information that was received from equifax regarding update. Fax send on Monday, XX/XX/XXXX. 

XX/XX/XXXX, received a letter from Merchant, XXXX/XXXX XXXX XXXX, stating " we have sent a request to ALL Three credit reporting agencies, requesting that all account not serviced within the past 7 years be removed from your credit profile/report ''. 

XX/XX/XXXX - received notification from equifax that merchant reported ( inaccurate ) information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Immediate Credit Recovery
State: NJ

Complaint narrative:
Hi, I have been unable to get a valid response from their collection team. I am at the end of a very long rope. I have logged complaints on their site, with the department of ed and with FASFA. I understand that their business model requires that they maintain exuberant fees. However, I would hope that would not be at the cost of integrity. Several things keep occurring and I can not get the correct resolution. 

1 ) All my requests for accountability have been ignored. This should include any computer calculation programming ( to validate for errors ) and the itemization of how numbers were applied.

2 ) Several documents uploaded to their portal were removed by their company 3 ) The initial contact person was okay, but massively misquoted the payments. If the ONLY way you communicate is phone, then why is that person 's system so radically different from the office staff?

4 ) Why do they refuse to make contact via e-mail? I have extremely limited phone use.

5 ) I have now made 4 payments of {$370.00} to the dept of ed and my loan has not been released. Furthermore, they have stolen these payment to apply to their fees instead of the loans.

I am trying to work with what now appears like a corrupt company. Is this the image they are striving for? They will not provide me with an officer 's name at the company to discuss how to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
cra violation sent po report and ftc inaccurate information coming back under another name violation of my rights

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
cra violation sent po report and ftc inaccurate information coming back under another name violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Kohl 's charges an exorbitant {$25.00} fee on late payments for any balance, regardless of how small. This is excessive for small balances. For example, a typical balance for my family would be {$100.00} - {$200.00}. I forgot to pay the bill before the payment was due, and was charged {$25.00}. This is a 25 % charge on a {$100.00} balance, over just a month 's time! I don't know how to figure out what the % would be over 1 year, but even {$25.00} is ridiculously exorbitant. Further, they try to promote use of their credit cards, for precisely this reason is my guess. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have contacted XXXX XXXX about a late payment they are reporting to all 3 credit bureaus that is inaccurate and they have rejected to remove the inaccurate credit mark. My XX/XX/2018 payment was made 31 days after it was due and my XX/XX/XXXX payment was made 7 days after it was due. They are reporting that my XX/XX/XXXX payment was made on time and that my XX/XX/XXXX payment was more than 30 days late which is false and against the law for the credit bureaus to report such false information.

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have contacted XXXX XXXX about a late payment they are reporting to all 3 credit bureaus that is inaccurate and they have rejected to remove the inaccurate credit mark. My XX/XX/2018 payment was made 31 days after it was due and my XX/XX/XXXX payment was made 7 days after it was due. They are reporting that my XX/XX/XXXX payment was made on time and that my XX/XX/XXXX payment was more than 30 days late which is false and against the law for the credit bureaus to report such false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XXXX XXXX will report current statement balances to XXXX but does not ( two ) updates on XX/XX/XXXX & XX/XX/XXXX doesnt report same updates to XXXX this report they hold at last update of XX/XX/XXXX which shows a much high % use of credit which is not true. It appears as if they are intentionally trying to make my credit look BAD even though it is in good standing ( just my opinion but that seem to be a illegal act unless this is a truely a an honest mistake, Then think they would correct in less then one Hour. But filed complaint with XXXX a week ago they were requesting a copy of credit report but still shows same as XX/XX/XXXX report unlike XXXX  who they have updated correctly twice sence XX/XX/XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
I tried to fix a issue with BBVA Compass Bank ( XXXX XXXX XXXX ) loan starting in XX/XX/XXXX through XXXX and they said it was already fixed and they couldn't do anything else I entered into bankruptcy protection XX/XX/XXXX and BBVA COMPASS entered a " Failure to pay '' for the month of XX/XX/XXXX Im only asking them to abide by the laws and remove the failure to pay from my credit reports but they refused to remove it.

thank you XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
Contract Callers Inc has called my home phone every single day looking for a XXXX XXXX. I have told them twice now I have no known knowledge of this person and asked them to remove my number and they have not. They call my home phone every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In early XXXX, Bank of America sent out two promotional balance offers. One was a 0 % interest rate balance transfer good through XX/XX/XXXX and the other was a 1.5 % balance transfer good through a certain date. I used the 0 % offer check for {$30000.00} to cover repair costs for a XX/XX/XXXX flood that is currently on my home equity line of credit. 

I accessed my online Bank of America account on XX/XX/XXXX to discover a {$1200.00} check transaction charge. After calling Bank of America 's customer service number, the agent explained that a 4 %, or {$1200.00}, transaction fee was assessed for this balance transfer. In order for Bank of America to reverse the 4 % transaction fee, I had to pay the {$30000.00} transfer back today, which I have done. I will have to call back tomorrow after the payment posts to ensure that the transaction fee is reversed. 

This offer is predatory and misleading to consumers. Most people who take advantage of these offers will not be able to pay back the loan immediately and are assessed a fee higher than the typical credit card transaction fee, which typically average 3 %. Please make sure that consumers are protected from false advertising on balance transfers.

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 monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I got this credit card about a year ago, and was not educated on credit. I called Bank of America to see if we could work something out but they have just increased how much I owe & shut the card down. Im a student and I cant afford this honestly, and its just tanking my credit. I didnt even know that it was happening until I downloaded XXXX XXXX and it showed on there that my credit was so bad. I owe {$680.00} on it and I dont even think I spent {$500.00}. Its just been interest racking up. I hope you can help!

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 2018-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CT

Complaint narrative:
I have a HELOC with PNC Bank with a variable rate adjustable monthly. The line of credit is closed. I had filed for personal bankrupcy about 7 years ago and did not reaffirm this loan, but, PNC Bank has been issuing monthly statements and I have been making monthly payments on this loan for the past 10 years. The monthly payment amount changes due to the variable interest rate. 

PNC Bank has not issued a loan statement to me for the past 2 months. They have advised me that they have decided to discontinue issuing statements on HELOCs. They have informed me that they have no obligation, legal or otherwise, to issue statements to me on this loan. They will not allow me online access to the loan information since I do not have any other accounts with PNC. 

They can not tell me how I am supposed to make payments on this loan, or how much is owed monthly. I believe that PNC is violating their legal obligation to provide a monthly statement on this loan in an attempt to force me to refinance this loan because they no longer want to provide the favorable interest rate on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
Central States has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For over a year I have been trying to get XXXX XXXX XXXX XXXX ( XXXX ) to report my car loan to Equifax. I was having problems getting a resolution with the main customer service center and I was then referred to the Office of the President to have my issue resolved. My issue was then resolved back in XX/XX/2018. Equifax has been experiencing security breeches so I constantly stay abreast of my report. I noticed once again that my car loan through XXXX XXXX XXXX XXXX ( XXXX  ) was removed again. I called to get it resolved and was told to get a copy of my report directly from Equifax to confirm. I called Equifax and they confirmed it is not on my report and I also received my report from them which was 83 pages. Indeed it is not on my report. I was told by XXXX to send a copy of the report so they can verify that it is not there. I did not feel comfortable sending my report and asked for another way. I was told there is no other way. This seems unreasonable. If they have a direct contact with Equifax I'd rather them utilize it rather than harassing me for my credit report. This is keeping my score from increasing. I keep getting bounced from person to person at XXXX and even though I ask for a supervisor I dont get one. I was only able to leave a message one time for a supervisor and that person never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
We receive multiple calls each day for a debt that is not ours ; voice mail from XXXX XX/XX/2018 : Voicemail from ( XXXX ) XXXX " Hello this is XXXXXXXX XXXX XXXX we are debt collectors. Please call us at XXXX. Our office is open Monday through Thursday from XXXXXXXX XXXX to XXXX XXXX Central Standard Time. Friday from XXXXXXXX XXXX to XXXX XXXX Central Standard Time and Saturday from XXXXXXXX XXXX to XXXXXXXX XXXX Central Standard Time. Thank you. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I tried to fix a issue with XXXX XXXX XXXX ( XXXX XXXX XXXX ) loan starting in XX/XX/XXXX through experian and they said it was already fixed and they couldn't do anything else I entered into bankruptcy protection XX/XX/XXXX  and XXXX XXXX entered a " Failure to pay '' for the month of XX/XX/XXXX Im only asking them to abide by the laws and remove the failure to pay from my credit reports but they refused to remove it.

thank you XXXX XXXX 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 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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: DE

Complaint narrative:
I had personal students loans in default and had a parent plus loan that was in good standing. My child was not able to receive all of the parent plus loan because of my loans being in default. When I was notified of this problem I tried consolidating my loans and my parent plus loan to get my loan out of default. I used the provider XXXX because my parent plus loan was already with them. I received a notice via email that my loans were denied. I was under the assumption the loans didn't go through. Come to find out at a later date that only my parent plus loan was consolidated. However I didn't want just my parent plus loan consolidated. It was in good standing. I tried speaking to XXXX and they said they couldn't reverse the loan and that I had to contact Navient. When I contacted them they said it was pass my 10 day mark. But I was not given a letter and or notification. I am highly disappointed. I did not get the serve that I wanted and am force to pay for something that I never agreed upon. Please I need help I want to see what a judge has to say about the matter. What is the process. Please email me back at XXXX Thank you for you attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
Midwest Service Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been in the modification process since XX/XX/XXXX. My file has been under review for months, and I am constantly being asked to resend the same information over and over. There has been an issue with the XXXX Tax returns. On several occasions, I was asked to explain information that was clearly delineated on the tax returns. I have sent in the schedules.. the returns, but I am repeatedly ask to resend the same information. After going back and forth with this issue, I am now being asked to resend the XXXX because it had been expired. Again, why wasn't the XXXX used to order the tax transcript to help the underwriter understand my income? I have been asked numerous times about my ownership in the business, and if I have another business. All this information was given when I initially applied for a modification. There are so many different relationship managers calling and requesting the same information. It is extremely frustrating, and I do not believe Chase has used its due diligence on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Sent them a paid in full for delete letter for XXXX XXXX XXXX, they deleted it and then reinstated it dropping my score 40 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent letters via fax as well as certified mail and personally called Equifax to remove incorrect addresses and employers, however, they refuse to.

Company response to consumer: Closed with explanation