vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on XXXX and Showing 30 days late on same month reported good to other bureau, Bank of america balance due is also different then credit report balance, shows XXXX but Bank Of America Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on XXXX and for same month reporting to XXXX im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, bank of america is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.

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 2018-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I filed Bankruptcy Chapter XXXX in XX/XX/XXXX it was discharged on XX/XX/XXXX and My Student Loan was included. Havent been in school since XXXX. But it reappear in XXXX, just found copies of my discharge papers. Ask Department of Education to validation of charges and wet ink signatures did not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: FL

Complaint narrative:
XXXX XXXX XXXX Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on XXXX and Showing 30 days late on same month reported good to other bureau, XXXX XXXX XXXX balance due is also different then credit report balance, shows XXXX but XXXX XXXXXXXX XXXX Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on Transunion and for same month reporting to XXXX im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, XXXX XXXXXXXX XXXX is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.

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 2018-07-23 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: FL

Complaint narrative:
XXXX XXXX XXXX Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on Equifax and Showing 30 days late on same month reported good to other bureau, XXXX XXXX XXXX balance due is also different then credit report balance, shows XXXX but Bank XXXX XXXX Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on XXXX and for same month reporting to Equifax im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, XXXX  XXXX XXXX is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on XXXX and Showing 30 days late on same month reported good to other bureau, XXXX XXXX XXXX balance due is also different then credit report balance, shows XXXX but XXXX XXXXXXXX XXXX Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on XXXX and for same month reporting to XXXX im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, XXXX  XXXX XXXX is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.

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 2018-07-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I generally let people walk over me you could say I've had some issues with some XXXX sounding Apartments the only apartment that I've ever lived in with a XXXX name because I stay with my sister and my father before that and never rented a place except for a XXXX XXXX which was unsafe and they gave me my lease deposit back without any damages to my rental history long story short there's an XXXX XXXX XXXX I stayed there on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the rest of my life I've lived in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  back in XXXX my XXXX dropped 40 points it has now dropped another 40 something points in my experience has dropped 40 points so now I have a XXXX XXXX from a XXXX I was going to transfer my debt into a interest-free account due to the improve credit which I had responsibly built up over the last several years to just be destroyed I'd appreciate your understanding and aggressively approaching this manner to fix my life I'm a young man I'm XXXX years old and pressing for time when it comes to being responsible as an adult I need not irresponsible thieves ruining my life thank you so much for all your help I would like my fair credit back in order, at this point I couldn't purchase a candy cane

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I have had ongoing problems attempting to modify my loan. I have mailed in the documents several times- but somehow some documents were received- but other documents were missing, although they were sent in together. I filed a complaint and in XXXX was assigned to a rep to help me with the process. The sam thing has happened, I send documents in, but Rushmore tells me to resubmit a document bc they sent me an old version etc. They never seem to have all my documents, I have to remind them and reference when they were received. It is so unclear and I am having a difficult time hearing back from anyone. I was denied for missing documents, which I sent over & over and for a XXXX from that they made an error in the one I was sent. The rep would ask me to send in on teh spot, but some documents I could not bc I mailed them in, such as statements, that I could not print. I do not have access to a printer that is mine to use. They have requested the same explanation over and over about my business taxes in writing, I send it in and they confirm it received and then as for it again. My rep emailed me and said that I need to contact him urgently, FOUR days asking for the same document again. I emailed and called back, it has been over a month, no reply. While I am working with the rep on my modification & turned in all REQUESTED docs, I am served w a notice of default and put in foreclosure. I ask the rep about a National Disaster forbearance, because my place of employment/residence were in a declared national disaster area inXX/XX/2018 & he has no idea what that was, how to go about it, if I could apply or not. I know this is confusing, but that is why I am so worried. I feel like I am getting the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I received by mail a " Pre Screened '' offer from Barclays Bank of Delaware to apply for a personal loan between {$5000.00} to {$35000.00} ( if approved ).

The following paragraph is what prompted me to inquire about credit rates : " Checking the rate and terms you may qualify for will not impact your credit information. However, if you submit a completed application to obtain a loan, your credit score and information may be affected. '' The letter very clearly states that the applicant is allowed to check his/hers credit rate and terms, before applying for credit without having an impact to their credit information. Once I filled out the required data to check for the best credit rate for me, I waited for the information requested. Instead I received an instant message on my screen and an email stating that my application for credit was denied.

The information I submitted was only to be used the check the credit rate and terms, not to apply for credit. Because of this action my credit score has been negatively impacted and I feel this company was deceitful in the way their website handles consumer 's 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 2018-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Sent dispute letter to Trans Union LLC on XX/XX/2017, challenging the accuracy of its reporting of inquiries ; employment ; promotional suppression ; name and address. As of date, I have receive no response.

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 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
On XX/XX/2018 I send a letter via Certified Mail to XXXX XXXX XXXX to validate the debt they are claiming that I owe of {$310.00}. The original creditor is XXXX XXXX. I have no knowledge of being acquainted with XXXX XXXX or XXXX XXXX. I specifically asked for any signed agreements made by myself and XXXX XXXX or XXXX XXXX stating that I have an obligation to pay them for the alleged debt. They were unable to provide validation of the debt but they have not closed/deleted this from my credit report.

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 2018-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
After graduation I was making very little income and was wanted to pay {$490.00} a month between private and federal loans. When I called in XXXX to Navient they suggested I go into forbearance so I didn't have to pay that much. Went through forbearance for a while and to my surprise there were better options. I ended up getting income driven plan which still exceeded 30 % of my take home pay. They could not lower my private loan because they said they could not. In XXXX I ended up refinance with XXXX and am happy so far with them. 
Reading the navient student loan lawsuits I wanted to get my story out there that it indeed happened to me too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX a voice mail was left on my jobs VM. The caller says her name was Mrs. XXXX with the XXXX XXXX represent XXXX XXXX saying that she was looking to obtain a statement against me and my SSN. I called her back twice to she what this was about ..there was no answer she then called me on the XX/XX/XXXX and told me that she was hired to collect on a PayDay loan with XXXX XXXX XXXX back in 2015, I told her that I hired a company to settle that debt .. She then start telling me that she been doing this a long and that I'm lying like everyone else she's talked to and that if I don't produce a receipt showing a XXXX balance then they would take me to court and garnish my check ..I told her I would look through my E-mails and see if I could find anything she told me I had by the XX/XX/XXXX at XXXX XXXX because she have reached out several times and sent letter that I didn't respond to and I told her this is the first I heard of this and asked her not to raise her voice at me because I wasn't raising my voice at her and If they wanted to take me to court I'll explain to the the Judge the same thing I told her ..she told the Judge would care and that I end up paying more money in court cost and I should ask a family member to borrow the money because if I wanted to take care of this I would have been done already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: NC

Complaint narrative:
My vehicle was paid off XX/XX/2013 and was reported incorrectly as a Charge-Off. I filed a dispute with Equifax twice with proof of title and payoff, and then contacted them by phone. They told me to contact XXXX XXXX and have them send proof to Equifax. I did as they told me, however it was not corrected. I contacted XXXX XXXX and they confirmed that the correct information had been sent out on two different occasions to Equifax. When I contacted Equifax again, they said all I could do was submit a consumer statement. Over the years this " Charge-Off '' has impacted my credit score and I have suffered a lower score than what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Federal Bureau of Investigation ( FBI ) vs. TransUnion, XXXX, XXXX On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of TransUnion-XXXX and XXXX. I have also submit an investigation by XXXX XXXX to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to TransUnion, XXXX and XXXX to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through XXXXXXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. 

Remove negative information from my credit profile 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 2018-07-23 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: MA

Complaint narrative:
Federal Bureau of Investigation ( FBI ) vs. XXXX, Equifax, XXXX On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of XXXXEquifax and XXXX. I have also submit an investigation by XXXXXXXX XXXX to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to XXXX, Equifax and XXXX to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through  XXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. 

Remove negative information from my credit profile now!

Company response to consumer: Closed with explanation