vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Remove all the claims for Bank of American because I worry my life in danger. After filing complaints my headache gets worse and worse, they control all the government law enforcement, I decide to foreclose my   XXXX   houses due to the forbidden me getting into their banking center paying my mortgages and my credit card, I definitely pay my credit card after going to collection company then I can access my account to pay my credit card. All the government police department and cfpb, justice department and insurance support Bank of America forbidding me work for any business and forbidden me access their bank property to pay my mortgages and credit cards. I tried so hard to make it correct the issue, they use two governments torture me worse and worse. I give up complaints of Bank of America I need to survive, please give me a chance to say I am wrong I should not ask justice by regulations. I should quite to be killed by two governments.
  XXXX   XXXX   Sent from my iPhone

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 2017-07-16 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors  XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3. SYNCB/JCP 4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX     XXXX  1.   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts   XXXX    1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3. SYNCB/JCP 4. SYNCHRONY BANK 5.   XXXX   XXXX   6.   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 explanation
Consumer complaint received 2017-07-16 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: The Bureaus, Inc.
State: FL

Complaint narrative:
Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX ,   XXXX   to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors  XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.   XXXX   4. The Bureaus Inc 5.   XXXX   XXXX   6.   XXXX   XXXX     XXXX   1.   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX     XXXX   accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: FL

Complaint narrative:
Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  , Equifax,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by credit karma that my score has been declining, and the accounts we 're opened without my consent.
<P/>
Equifax 1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX , Transunion,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by credit karma that my score has been declining, and the accounts we 're opened without my consent.
<P/>
 XXXX  1.   XXXX   XXXX     XXXX   accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   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 explanation
Consumer complaint received 2017-07-16 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: FL

Complaint narrative:
Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX , Experian to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all  XXXX  credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent.
<P/>
 XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX    accounts   XXXX   1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.   XXXX   4.   XXXX   XXXX   5.   XXXX   XXXX   6.   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 explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander has failed to report my monthly payments to all   XXXX   credit bureaus.I 've contacted Santander through mail and through phone but I was given the run around. I want my loan lease to be reported every month or else I will change my car loan finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: TX

Complaint narrative:
I was made aware of not  XXXX , but   XXXX   (  XXXX   XXXX  and again in early  XXXX  deleted EVERYONE 'S   XXXX   Inquiries ) and in  XX/XX/XXXX  Experian ) computer glitches that was   XXXX   XXXX    and Experian 's problem - not mine - caused inquiries to be deleted and/or We have recently updated our system to provide our customers with an even more accurate Experian Credit Report and Score, it said. Because of this, some people may notice some information on their Experian Credit Report that they didnt see before..  XXXX   and Experian later added/re added them all ( back ) onto my credit report without giving me the legally required written notice 5 days prior to them being re-added. I have contacted   XXXX   and Experian in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries have added a hardship and my rights were violated by   XXXX   and Experian. Please, help me to make   XXXX    and Experian stop victimizing me. I ask that a resolution of all of my   XXXX   inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2017-07-16 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: IN

Complaint narrative:
I disputed some inquires on my credit file on  XX/XX/XXXX . There were  XXXX  total inquires I disputed, in about a 24 hour period Equifax sent confirmation that the investigation was complete and I could review the results. They responded by saying ; The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor.
<P/>
They, never initiated a true investigation, they just took the lazy way out and wanted me to do their job! To my understanding and research - if I dispute any item on my report they have to initiate an actual investigation - they should be able to provide documentation showing I authorized the inquiries to be made and also be able to provide a Verification from each source that this was investigated and verified. They are not following FCRA sections 609 or 623 - I will wait for a response, then if need I will also follow up with a complaint with CFPB on this matter.
<P/>
Equifax Report Confirmation #  XXXX  Inquires Disputed ; Leasing Desk - XX/XX/XXXX Equifax Mortgage Services - XX/XX/XXXX   XXXX  - XX/XX/XXXX   XXXX  - XX/XX/XXXX  *Actually, if they investigate they will see that  XXXX  do n't even offer service in my Area . * Respectfully,   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I am on total  XXXX  I have tried to get this loan discharged for at least 5 to 8 years. They send paper work. I fill it out at least five times. Nothing! Navient is the provider my credit is  XXXX  it 's killing me. Do not know what to do or how to fix it. I get ssdi and ssi and food stamps I qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
XXXX   XXXX   denied credit for a mtg on  XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am p.o.about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.

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 2017-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I ORIGINALY MADE AN ADVERTISEMENT TO SELL A THINKSTATION ON   XXXX   XXXX   FOR {$2000.00} AFTER 2 OR 3 DAYS I WAS CONTACTED BY MY PHONE MESSAGE THAT THIS PERSON WAS VERY INTERESTED SO HE OFFERED {$50.00} EXTRA TO HOLD THE COMPUTER LATER HE SENT A CASHIERS CHECK FOR THE AMOUNT OF {$4200.00} TO COVER THE SHIPPING OF $   XXXX  .I DEPOSITED THE CASHIERS CHECK AT THE BRANCH AND I WAS TOLD THAT THE FUNDS WILL BE AVAILABLE NEXT DAY, WHICH WAS THE CASE.I ASKED TO MAKE SURE THAT THERE WAS NO PROBLEMS AGAIN. SO WHEN THE PURCHASER ASKED ME TO FORWARD {$2200.00}, TO THIS PERSON NAMED   XXXX   XXXX   IN TEXAS I DIDNT SEE A PROBLEM.I WAS TOLD THAT SINCE THERE WAS CASHIER CHECK INVOLVED AND THE BANK HAD 24 HOURS TO VALIDATE THE CHECK .THERE IS NO EXCUSE TO RETURN THE CHECK WITH {$19.00} TRANSACTION FEE PLUS MY LOSS OF $  XXXX .I TRUSTED THE BANK SINCE I AM NOT FAMILIAR WITH THESE CHECKS AND HOW THEY WORK.I AM NOT THE PERSON THAT MAKES THE DIRECTVE OR THE PROCEDURE ON HOW THE BANK IS A BANK. I TRUSTE THE VALID FUND AFTER THE BANK DECISION AND MADE THE TRANSFER. I THINK THE US BANK SHOULD BE LIABLE FOR BANK DECISION NOT ME SINCE US BANK DECIDED TO THE JOB AS A BANK NOT ME.
I THINK THAT THE US BANK SHULD BE RESPONSIBLE FOR MY LOSS OF {$2200.00} AND THE {$19.00} FINE.
I HAVE ATTACHED ALL THE DOCUMENTS I HAVE. MINUS THE POLICE REPORT THE I AM GOING THE FILE RIGHT AFTER THIS.
I HAVE A VERY SERIOUS COMPLAINT, I DOPOSITED THIS MENTIONED CHECK.I COULD NOT SEE THE IMAGE TILL IT WAS RETURNED. I COULD ONLY SEE THE DEPOSIT SLIP.
THE BANK DID NOT PROCESS THE CHECK PROPERLEY AND AS THE RESULT I HAVE LOST {$2200.00} AND {$19.00} OF FINE.THIS IS DUE TO THE BANK BEING UNDECIDED TO CASH THE CHECK OR NOT.IF THE BANK HAD MADE SURE THAT CHECK WAS OK TO HAVE AVAILABLE FUNDS OR NOT I HAD NOT LOST {$2200.00}.
THIS IS NEGLEGANCE OF THE BANK.AND I THINK THAT THE US BANK SHOULD HAVE A NEW DIRECTIVE AND PROCEDURE TO HOW TO PROCESS THESE CASHIER CHACKS SINCE ITS THE BANKS JOB TO DO THIS.
I AM CERTAIN THAT I AM ENTITLED TO BE COMPENSATED FOR $  XXXX .I WOULD HAVE NOT WIRED THIS MONEY OUT TO TEXAS IF I WAS NOT MISGUIDED BY THE BANK.
THEY SHOULD HAVE HAD AS MANY DAYS OF HOLD ON THE CHECK AS THEY NEEDED.I WAS NOT IN NEED OF IMMEDIATE CASH SINCE I HAD 6 TIMES THAT AMOUNT IN MY ACCOUNT.
THANK YOU.

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 2017-07-16 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: CORELOGIC INC
State: WV

Complaint narrative:
XXXX   XXXX   denied credit for a mtg on  XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am p.o.about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.

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 2017-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
XXXX   XXXX   denied credit for a mtg on  XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am  XXXX .about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.

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 2017-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
From  XXXX  until  XXXX , I was advised by   XXXX   XXXX   that if I was struggling to make py monthly payment, the only option available to me was a deferment. I had even questioned numerous times about making smaller payments and was told that the company can not do that and that it would be pointless to make them on my own because it could cause issues with the deferments. In early  XXXX , i was advised I could no longer defer and had to make full payments. I was unable too. In  XXXX  of  XXXX    XXXX   XXXX   advised me that my loan was going to default and be sent to collections. After speaking with numerous people one representative send me a financial affidavit to send back requesting assistance. I sent in that package a total of three times over two months. Every time I called to verify receipt, I would either be on hold for extended times or transferred to the same person who called himself  XXXX , who would advise me that it was never received. In  XXXX  of  XXXX ,  XXXX  told me again my information was never received and that my loan was officially in default and there was nothing that could be done. A total of {$27000.00} was charged off. I immediately called the collection agency who was handling the loan and made a payment arrangement to bring the loan out of default. They also advised me of the income based repayment program that was available for me to apply. While the loan was in default, a collections charge of {$8400.00} was added to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of  XXXX , Equifax and   XXXX   XXXX  .
As of today,   XXXX   XXXX  , 2017, I have not received a copy of my credit report from any of them this year.
I am applying for a mortgage and must get copies of my credit reports.
Please force each of these credit agencies to send me a copy of my credit report without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of  XXXX ,  XXXX  and Trans Union.
<P/>
As of today,   XXXX    XXXX , 2017, I have not received a copy of my credit report from any of them this year.
<P/>
I am applying for a mortgage and must get copies of my credit reports.
<P/>
Please force each of these credit agencies to send me a copy of my credit report without further delay.

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 2017-07-16 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of Experian,  XXXX  and   XXXX   XXXX  .
<P/>
As of today,  XXXX   XXXX , 2017, I have not received a copy of my credit report from any of them this year.
<P/>
I am applying for a mortgage and must get copies of my credit reports.
<P/>
Please force each of these credit agencies to send me a copy of my credit report without further delay.

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