vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX XXXX asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my Experian credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor XXXX XXXX XXXX XXXX is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, Experian and XXXX, but that they also furnish said reporting agencies with the correct address information to be reported.

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 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX 2017, I wrote to all 3 credit bureaus asking them to update the status of my mortgage account with Wells Fargo. The house has been sold but it still reports as open and past due. It has not been updated since XXXX 2017 but there are " unpaid '' remarks for each month past that. I reached to WellsFargo I got 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 explanation
Consumer complaint received 2017-07-07 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: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Company has placed a collection on my credit report and it has damaged my credit. I do n't know the company nor do I have a signed contract with me. I have asked them to removed this inaccurate information and continue to ignore their wrong. I 've filed a complaint with the BBB and have n't gotten anywhere. I 've never did business with this company and would like for this information to be removed for my credit. Thanks

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

Complaint narrative:
I 've filed multiple requests for incorrect data from XXXX XXXX on my Experian credit report to be corrected or DELETED. This data is for the XXXX XXXX XXXX Account # 's as listed on the attached copies of my credit reports. These two accounts were both PAID IN FULL on XXXX XXXX XXXX and confirmed by the attorney representing XXXX XXXX ( see attached letter from attorney, dated XXXX XXXX, XXXX ). It 's been well over 80 days since I filed my recent complaint on XXXX XXXX, XXXX and the data has still not be corrected on my report. Over the last several months XXXX XXXX has posted multiple incorrect dates the most damaging being on one of the accounts with the date of XXXX XXXX as the last pay date and last date of " in collection status '' and the other account with a XXXX XXXX date. As a result these incorrect entries have damaged my credit score and  ability to secure a refinance on my mortgage. I 'm requesting both accounts be DELETED based on the FCRA rules and time limitations on correcting errors on Credit Reports. Again ... These two accounts were paid in full on XXXX XXXX, XXXX and confirmed by their attorney, via the attached letter!

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 2017-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX/AES both utilize a glitch in their computer system to collect more late fees/interest on student loans. I started paying back my student loan in XXXX, 2006, and I am 2-3 years ahead in paying back student loan. However, AES indicated to credit bureaus that I was late 60-90 days, when in fact I was ahead 2-3 years ahead in paying back my loan. Whenever a person is 2-3 years ahead in paying back loan, and if they are set up on direct debit where the system/loan gets paid automatically by direct bank payments, the computers start thinking that a person is late once the direct bank payments stop. The computers do n't consider that a person was ahead 2-3 years ahead of paying back loans, and immediately start indicating a 30/60/90 day late notice when no late notices should be charged as person can be ahead 2-3 years. The staff/people at XXXXAES are aware of the glitch, however, they still collect on late fees/interest when we are 2-3 years ahead of paying back loan. I have been waiting patiently for AES to refund late fess and remove negative information on credit reports, but they have failed to do so. It Is against the law what these companies are doing. If you note on attached documents, AES indicates that no payment needs to be made for several months, but on the other document, it states that I am past due 13 days. They ca n't have it both ways, and I am over 2-3 years ahead of payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Kindly review the document attached to this email, in support of andregarding my complaint against American Express as follows : I was told by   XXXX   XXXX   Tutoring that they did not receive a charge on my card in the amount of {$700.00} from American Express. As a result, I sent them a check for that amount plus another amount for another service. When I contacted American Express after seeing that I was charged the {$700.00}, American Express was supposed to give me a credit but did not. I am demanding American Express give me my {$700.00} credit on my card as I was told they did not give the money to   XXXX   XXXX  , I paid   XXXX   XXXX    separately, and I h ave all of the documents to prove it.  <P/><P/> Desired Outcome : Permanent {$700.00} credit back on my card, as I already paid   XXXX   XXXX   via check since I was told American Express did not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On the abpp it says I have problem with my bank information, and it 's just showing me a blue! under my account balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: PA

Complaint narrative:
This complaint is to inform you that transunion has failed to respond to my inquiry dispute letter that I have sent certified mail on XXXX XXXX, 2017. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, transunion received my Dispute letter on XXXX XXXX, 2017.

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 2017-07-07 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I 've filed multiple requests for incorrect data from American Express on my XXXX credit report to be corrected or DELETED. This data is for the two American Express Account # 's as listed on the attached copies of my credit reports. These two accounts were both PAID IN FULL on XXXX XXXX XXXX and confirmed by the attorney representing American Express ( see  attached letter from attorney, dated XXXX XXXX, XXXX ). It 's been well over 80 days since I filed my recent complaint on XXXX XXXX, XXXX and the data has still not be corrected on my report. Over the last several months American Express has posted multiple incorrect dates the most damaging being on one of the accounts with the date of XXXX XXXX as the last pay date and last date of " in collection status '' and the other account with a XXXX XXXX date. As a result these incorrect entries have damaged my credit score and ability to secure a refinance on my mortgage. I 'm requesting both accounts be DELETED based on the FCRA rules and time limitations on correcting errors on Credit Reports. Again ... These two accounts were paid in full on XXXX XXXX, XXXX and confirmed by their attorney, via the attached letter!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Using the chase website, I received a notification in early XXXX 2017 about a promotion for opening a checking account with chase ( {$300.00} ). I printed out the promotion paperwork and went to my local branch to open an account ( as directed promotion paperwork ). The chase banker who helped open the account must have inadvertently not entered the promotion code. I 've waited patiently for several months ( after meeting all requirements ) for the {$300.00} to post. I recently called in to confirm the details and chase said that I did not properly enter the coupon code in my application. I recommend chase review their security camera footage from the branch in which i opened the account, and issue the {$300.00} as promised. There was no way for me to confirm the coupon was entered correctly. I made every attempt to provide the proper coupon details to the banker and he assured me that he properly entered the coupon correctly at the time of application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
I am writing to state that this company is in violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit reports with XXXX, XXXX and XXXX. The inaccurate information that is clearly different on all three credit bureaus. They are supposed to report the same information on all three credit bureaus, this is causing me to get denied for credit and if not deleted from my credit will consult with an attorney who specializes in FCRA violations. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX High Credit : XXXX  {$16000.00} XXXX {$20000.00} XXXX {$20000.00} Last Reported : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Also , this is clear evidence that they are not reporting accurate information per XXXX XXXX  guidelines set forth by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I keep getting something that says that my bank information was incorrect while it is. It 's also not regestering my job.

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

Complaint narrative:
I have sent several disputes to Experian, XXXX and XXXX  for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but Experian, XXXX and XXXX states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with XXXX. 2.Experian keep stating XXXX XXXX Credit Card is verified as  Open when my dispute clearly states that it is to be charged off with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along

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 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, I made a payment of {$190.00} from my bank account. Which left me with a balance of {$99.00}. It is now 2 hours to XXXX/XXXX/XXXX and my account has still not been properly updated. It still shows that my balance is {$200.00}. I last spoke to " XXXX '' Acct. Supervisor about 20 minutes ago ( XXXX XXXX ). I am now being told that my payment is in review???? What does that even mean? My previous 17 payments made in the last 4 months were never handled in this manner. Discover had really let me down. They did n't seem to be bothered in how it 's taken so long to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have had a mortgage with XXXX XXXX XXXX  and due to illness & loss of employment income, I have gotten behind in mortgage payments and have applied for a Loan Modification. I submitted the package via fax on XX/XX/XXXX.  After some back & forth with phone calls, Capital One said they needed updated bank statements. These were then sent via fax within a couple days of the request on XX/XX/XXXX. I keep getting " Point of Contact '' calls & I remind them that I have submitted a full Loan Mod package and the documents they have requested. They then check their computer and agree that the docs were received and they would again send a message to the underwriter. The left hand does n't seem to know what the right hand is doing. <P/>I keep reminding them that there is still an active sale date listed by their Trustee and they keep saying, " oh, we know and we 're taking care of it ''. But when I check it still shows as active on XX/XX/XXXX which is definitely Dual Tracking. How can we be negotiating " in good faith '' if they still have an open sale date? <P/>I appreciate your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX XXXX XXXX I opened a business checking account, CD and business credit card at the BofA branch located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I selected Bank of America because they were advertising a bank credit for new checking accounts and credit cards. It was {$150.00} for new checking and {$100.00} for a credit card after 6 months. <P/>I followed up with Bank of America in XXXX of XXXX because I never received a credit for either promotion. I was required to submit request with both the credit card team, and checking account team. The credit card team honored the promotion, but the checking account team sent denial letter for case number XXXX dated XXXX/XXXX/XXXX. <P/>The denial letter stated the promotional code was not entered when the account was opened. I opened the account at the branch the same time the credit card was opened. If their banker did not enter the promotional code correctly when opening the account I do not see how that releases them from honoring their promotion.

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 2017-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent several disputes to XXXX, Transunion and XXXX  for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but XXXX, Transunion and XXXX states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with XXXX. 2.XXXX keep stating XXXX XXXX Credit Card is verified as  Open when my dispute clearly states that it is to be charged off with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXXXXXX XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along

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 2017-07-07 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: TN

Complaint narrative:
I have sent several disputes to XXXX, XXXX and Equifax for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but  XXXX, XXXX and Equifax states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with Equifax. 2.XXXX keep stating XXXX XXXX Credit Card is verified as Open when my dispute clearly states that it is to be charged off  with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along

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

Complaint narrative:
My mother co-signed on 3 loans for my brother and I to attend college back inXX/XX/XXXX-XX/XX/XXXX. Upon graduating XXXX XXXX convinced her to consolidate all 3 loans on an 8.25 % interest rate. I 've tried to see what options I had over the years to get a lower rate but unfortunately have been denied every time. Not sure how complaint all of this is but it is wrong XXXX XXXX badgered my mom into this consolidation. Interest rate it made no sense. It was a money grab.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage LLC, which was the foreclosing bank/collection agency continues to report negative information despite the fact that the date of last payment, which was made to  XXXX   XXXX  Loans, was made on  XXXX / XXXX / XXXX . They are attempting to reage by claiming a payment was made to them in  XXXX .  XXXX  did not investigate rather they merely put wrote this fact as a consumer statement on report rather than correcting the error and removing the negative, outdated and inaccurate information. I have spent 10 years trying to recover from losing my home and rebuilding my credit. Yet they are trying to report it for 14 years. Nationstar has already been punished for this practice yet they continue their fraudulent practices.   XXXX  In addition, Nationstar was not even the owner of record who had the right to foreclose but i doubt anyone cares about that

Company response to consumer: Closed with explanation