vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 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: OH

Complaint narrative:
I have incorrect information on all the credit reporting agency, XXXX, Equifax, and XXXX. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. XXXX incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX XXXX XXXX  {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX {$15000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX {$87.00} OPNED ON XX/XX/XXXX XXXX incorrect details XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX {$1800.00} OPENED XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XX/XX/XXXX Equifax Incorrect details below XXXX XXXX XXXX {$7000.00} opened XX/XX/XXXX Blank info listed as collections as {$100.00} opened XX/XX/XXXXand {$50.00} opened XX/XX/XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Late payments was posted on my credit report, I just came out a rehab program to bring my loans out of default with the company FAMS, that stated all my updated information would be sent over and updated to my new lender. I had no clue who my new lender was until the late payments start hitting my credit report. This is causing me to be turned down for being a homeowner, I called the company and updated all my personal information and I have been making all payments via auto draft from my personal account. Navient is not willing to work with me and stating that my late payments are correct.. I spoke to XXXX XXXX XX/XX/XXXX an she advise me that the late payments are accurate, I went through the program to get back on track and they do n't see how those payment can be accurate when I never knew who my new servicer of my loans would be until they start negatively reporting on my credit report. The late payments dropped my credit score XXXX points. Please advise what can I do.. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fraudulent reporting of information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: NY

Complaint narrative:
I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for XXXX and XXXX, which they have actually removed. However, a residual issue exists with that complaint. 1. XXXX has not readjusted my credit score from when the account was reported on my XXXX credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped 33 points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 2. XXXX has not readjusted my credit score from when the account was reported on my XXXX  credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped 27 points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 3. Transunion never reported the fraudulent account on my Transunion credit report, HOWEVER, Transunion adjusted my credit score with them based on XXXX and XXXX reporting a 'new collection/major derogatory account '. Consequently, my credit score with Transunion dropped from XXXX to XXXX. ***Seems something inherently wrong with Transunion dropping my credit score with them based not on what was being reported on my Transunion credit report but rather what was being reported by the other two reporting agencies****. Regardless, neither XXXX, XXXX or Transunion have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.

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 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
First National Bank sent me a letter in the mail describing they mismanaged my Escrow account and needed to raise my monthly amount double per month over {$2000.00} per month to get the escrow balance to where it needs to be. That monthly payment was unacceptable and completely unaffordable. After many calls and many days they finally told me they would separate this in a monthly fee resulting in an extra {$600.00} a month to make the escrow amount. I understand the escrow was mismanaged, but I do not see why I am being penalized for the bank 's mistake on managing the escrow account. Now my monthly fee for escrow is more than the principal and interest and the amount required I can not afford. Please see attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc.
State: CA

Complaint narrative:
Rauch-Milliken International , Inc. sent me a first and final notice dated XX/XX/XXXX regarding a debt connected to a company that I have not been associated or involved with since XXXX. The company was a limited partnership, so any debt acquired by this partnership would not be a personal liability of partners. The partnership was dissolved upon my certificate of withdrawal on XX/XX/XXXX. The remaining partners filed a a certificate of cancellation with the state of California on XX/XX/XXXX when they sold their interest in the company to an outside entity. All Vendors including the client of Rauch-Milliken were notified by mail. I have made several attempts to reach someone at this firm with no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: CA

Complaint narrative:
This debt was supposed to be paid by my ex husband. He had all my information and added lots of different bills under my name because he is illegal and now they have affected my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Fraudulent reporting of information on my credit file.

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 2017-08-07 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: IL

Complaint narrative:
Fraudulent reporting of information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Fraudulent reporting of information on my credit file.

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 2017-08-07 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: NCC Business Services, Inc.
State: TX

Complaint narrative:
I filed a complaint with the BBB on X/XX/17 as the company, NCC Business Service, has yet to validate the debt that they are reporting to the credit bureaus.I have spoken with XXXX XXXX XXXX on X/XX/17 and they stated that they have no record of the file. On X/X/17, the BBB sent an email stating that they were closing the complaint as the company failed to respond.

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 2017-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I contacted Mariner Finance via phone in their XXXX, OH office at XXXX. I spoke with Branch Manager XXXX XXXX who took the initial application and ran my credit report. After pulling my credit report she then interrogates me like a detective to ask why this debt was in collections or why this debt was charged off, etc. When you offer a valid explanation, they do n't think its a good explanation and they keep criticizing you like they are much better then you. The problem is to that when they pull your credit report not all the information they obtain is accurate and you should n't have to explain yourself to them, its as if almost they do n't believe you and think your lying. I have proof to back my stuff up. Well, anyhow I called Mariner on XX/XX/XXXX to get the status of my application and I was advised it was denied. Why was I denied I asked, I was told it was denied because of the past delinquent credit obligations and I WAS ALSO DENIED DUE TO PREVIOUS JUDGEMENTS THAT WERE FOUND ON PREVIOUS APPLICATIONS AND CREDIT REPORT. HOWEVER, ALL MY JUDGEMENTS HAVE BEEN SATISFIED AND HAVE BEEN REMOVED FROM MY CREDIT REPORT. When my credit was ran on XX/XX/XXXX, there were no judgements reporting. However, XXXX XXXX advised that a previous credit report was used to determine my credit worthiness and found several judgements on a previous application. How is it legal for a company to use an outdated and erroneous credit report? I spoke with XXXX from the XXXX, OH Mariner Finance office on XX/XX/XXXX and questioned him with, how can you use false information from a previous credit report that is not current, and not up to date, XXXX never answered the question. He avoided the question by all costs. I have applied with 2 other financial institutions outside of Mariner Finance and have had a positive experience and was even approved for a non-collateral loan. Mariner is a subprime lender only looking to loan to Excellent Credit candidates. What I mean by that is, they want to rip off candidates with high credit scores. Mariner Finance needs to accept they are a subprime lender and not a prime lender.

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 2017-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Gotmortgage.com
State: CA

Complaint narrative:
We gave an approval letter to our borrower who made an offer to XXXX XXXX XXXX who is with XXXXor XXXX XXXX XXXX. The Listing Agent wanted us to talk to XXXX XXXX ( Preferred Lender of XXXX ). We gave all the documentation that they required to pre-qualify our client. XXXX XXXX, 2017 they questioned the buyer 's agent whether or not we can fulfill the pre-approval and can cover closing cost to the borrower. We later found out that the only way the listing agent will accept the buyer 's offer is if we use the listing agent 's preferred lender. We later found out XXXX is not a licensed loan officer and when asked by the agent he later said that he was the branch manager of XXXX. We also could not find an XXXX number for him. XXXX also has a their XXXX license revoked this year in XX/XX/XXXX. Subject property address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: GA

Complaint narrative:
I have contacted Equifax four times since XXXX about incorrectly reported a delinquent account. They refuse to remove it off my credit report. They have no even replied to me once. Here is the issue and the last letter I sent to them : " I am writing to dispute an inaccurate item that continues to be illegally reported as an open collection on my Equifax report. I have reported this before and yet it remains as an open collection with a note added that its included in a bankruptcy and is at a {$0.00} balance so why is it still reporting as an open collection and a derogatory mark?? It is illegal for you to report this as an open collection/derogatory account when it was illegally reported in the first place. Equifax is the only credit bureau reporting this as an open collection and refusing to fix this. The debt is from XXXX XXXX XXXX XXXX  which is a collection agency. It originates from XXXX XXXX  This debt was discharged in a Chapter XXXX Bankruptcy in XXXX of 2015. After being informed it was included in a Bankruptcy and discharged, XXXX XXXX illegally sent it to a collection agencyXXXX XXXX XXXX. It has reported several times since then and continues to appear as a negative mark on my Equifax report. I got in touch with the collection agency XXXX XXXX XXXX XXXX as did my attorney to inform them this was violating federal law. They have updated their records and informed all XXXX credit bureaus that is now CLOSED with a XXXX balance and is no longer an open collection. Because it was put into collection AFTER it was discharged it is illegal to report as a collection or negative mark. All credit bureaus except Equifax have updated my credit report and removed this completely. You are still reporting this inaccurately and illegally as an open collection. This is my final attempt to get you to correct this. If it is not corrected within the required 30 days, I will contact the Consumer Financial Protection Bureau and seek legal representation and a judgment against Equifax for false and illegal credit reporting according to the Fair Credit Reporting Act which is in turn lower my credit score and costing me money. I know that XXXX XXXX and Equifax have had multimillion dollar judgments against them in recent years for such illegal activities with credit reporting. I look forward to you resolving this appropriately in a timely manner and updating my report and my score. Thank you for your time and attention. I have included two forms of identification off of your acceptable ID list to prove my identity. I have also included the Bankruptcy judgment paperwork as well as the list of creditors whose debts were discharged in the Bankruptcy. '' They never responded to this or the three letters before it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I 've made payments to my home equity line of credit ; however the lender does not reduce the interest first - they only apply the amount paid to the principal. This enables the bank to accrue more interest and increase the amount of the loan on the back of the customer. When I sought a response from the bank, the response was that no payment was due. However, interest continues to accrue ; so by me making a payment and the bank not applying the accrued interest, I am being charged additional interest despite my paying a monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX XXXX, 2017 I got a free 7 day trial from Experian. it is currently the last day of the free trial and I have literally tried to cancel my account for the past 4 days. It is definitely a scam without a doubt. I tried online with no luck, I called the company over 50 times and they purposely hang up on you when you click the cancel membership option. I cant even believe they are allowed to fish people like this.

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 2017-08-07 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: GA

Complaint narrative:
I have informed all reporting agencies that I did not file 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 non-monetary relief
Consumer complaint received 2017-08-07 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: NY

Complaint narrative:
I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for XXXX and Equifax, which they have actually removed. However, a residual issue exists with that complaint. 1. Equifax has not readjusted my credit score from when the account was reported on my Equifax credit report, which the day before the fraudulent account was placed on my credit report, my Equifax score was XXXX. After the fraudulent account was placed on my Equifax credit report, my score dropped XXXX points. Equifax has removed the fraudulent account, but my score still remains at XXXX.
2. XXXX has not readjusted my credit score from when the account was reported on my XXXX credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped XXXX points. XXXX has removed the fraudulent account, but my score still remains at XXXX.
3. XXXX never reported the fraudulent account on my XXXX credit report, HOWEVER,  XXXX adjusted my credit score with them based on XXXX and Equifax reporting a 'new collection/major derogatory account '. Consequently, my credit score with XXXX dropped from XXXX to XXXX. ***Seems something inherently wrong with XXXX dropping my credit score with them based not on what was being reported on my XXXX credit report but rather what was being reported by the other XXXX reporting agencies****. Regardless, neither Equifax, XXXX or XXXX have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: NY

Complaint narrative:
I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for Experian and XXXX, which they have actually removed. However, a residual issue exists with that complaint. 1. XXXX has not readjusted my credit score from when the account was reported on my XXXX  credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my Equifax credit report, my score dropped XXXX points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 2. Experian has not readjusted my credit score from when the account was reported on my Experian credit report, which the day before the fraudulent account was placed on my credit report, my Experian score was XXXX. After the fraudulent account was placed on my Experian credit report, my score dropped XXXX points. Experian has removed the fraudulent account, but my score still remains at XXXX. 3. XXXX never reported the fraudulent account on my XXXX credit report, HOWEVER, XXXX adjusted my credit score with them based on Experian and XXXX reporting a 'new  collection/major derogatory account '. Consequently, my credit score with XXXX dropped from XXXX to XXXX. ***Seems something inherently wrong with XXXX dropping my credit score with them based not on what was being reported on my XXXX credit report but rather what was being reported by the other XXXX reporting agencies****. Regardless, neither XXXX, Experian or XXXX have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.

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