vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
My current minimum due was {$25.00} a month for my Jcpenny 's account. I submitted payments on time. Jcpennys changed the terms of my account without informing me in writing in XXXX XXXX. They then accessed late payments, which increased my monthly minimum payments. Despite my continuous payment of my account, I was still considered delinquent. I requested for my account to be removed from electronic statements. My account is still enrolled in that billing process. Electronic billing eliminates hard copies, which eliminated me receiving my updated terms. In addition to those issues the late fees caused my account to be reported delinquent on my credit report. I am expected to pay {$120.00} for a bank error on XXXX. My account was paid on time, but my terms were changed without proper written notice.

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 2017-10-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX XXXX XXXX XXXX was hired by me to dispute a charge off with XXXX XXXX on my experian report. It is not almost 60 days later and no response to the letter requesting that debt be removed. It is not mine it is my ex husbands debt XXXX and XXXX have removed it easily. 
XXXX XXXX stayed both experian and XXXX XXXX were contacted and still not response. I have found XXXX XXXX to have handled the entire situation fraudently as the way it is reported is incorrect as well, they have not validated the debt despite repeated attempts. 
Anyhow the debt is required to be removed by experian according to FCRA due to XXXX  ignoring the investigation and it still has not been done. 
My right to buy a home is altered by this company lack of efficiency with handling the matter as the continued disregard to remove keeps going on. XXXX did not respond so remove it!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi 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 2017-10-18 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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XXXX XXXX XXXX XXXX was hired by me to dispute a charge off with ally financial on my XXXX report. It is not almost 60 days later and no response to the letter requesting that debt be removed. It is not mine it is my ex husbands debt XXXX and XXXX have removed it easily. 
XXXX XXXX stayed both experian and ally financial were contacted and still not response. I have found ally financial to have handled the entire situation fraudently as the way it is reported is incorrect as well, they have not validated the debt despite repeated attempts. 
Anyhow the debt is required to be removed by experian according to FCRA due to ally ignoring the investigation and it still has not been done. 
My right to buy a home is altered by this company lack of efficiency with handling the matter as the continued disregard to remove keeps going on. Ally did not respond so remove it!! 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX mi 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 2017-10-18 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: VT

Complaint narrative:
I checked My Credit report on Equifax and seen a XXXX credit reported filed there..This XXXX has tried several times to report a fake report saying I owed this XXXX and They had been report to Vermont consumer affairs and was told they could n't do that and I had Disputed This XXXX Account several times even with XXXX..Now XXXX had XXXX XXXX XXXX file on Equifax I was never contact by this XXXX XXXX XXXX so i could dispute it with them..So I Filed a Dispute with Equifax and All I got from them is the had contacted them and I am not able to get on Equifax site to follow up with them or contact them or  such..XXXX  tried to add or change My Account so they could charge me more and I paid My last account and they tried to bill me more and I canceled My account with them and they was reported..I am not still able to get on Equifax site to follow up with them and Add anything to the Dispute and they have not done nothing to rectify this situation..I have still tried to get on the Dispute Site to check and file and its been over 30 days..I do not even have the account number to this Account or papers on it no more because this was back in 2014 and thought they was gon na grow up..This is the dispute file number they had giving me..XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: AR

Complaint narrative:
I have an account which was a medical debt with XXXX XXXX XXXX that 's completely paid off but has not been removed from my account.

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 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I was called by PHH mortgage Corporation to refinance an existing loan that is in good standing. I sent them all the documents they asked for plus some showing my income and financial status, etc. Credit score is excellent. They initially approved the underwriting. I am XXXX and XXXX. I have income from two brokerage accounts. One account distributes IRA money and the second is using up some already taxed money before the IRA will be distributing funds to me. All this was disclosed upfront and they had brokerage account statements and bank account statements, etc. They are now declining the loan saying that I " have to use my IRA money ''. Today they declined the loan leaving me on the hook for processing fees when they knew from the start that they were not going to fund me if this is their positon because they had all the information from day one. Here I am trying to responsibly use my retirement money and they are trying to tell me how and when to use my IRA. This is deceptive practices, age discrimination, and they are not operating in good faith. The sole reason they are giving is that I need to use my IRA money for the monthly distributions. I need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
XXXX paid in error 2 years in a row. I have called and emailed twice this year. Last year the same and told it would be taken care of. 

I am due 2 years flood back pay. The flood is part of hoa, XXXX floods not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: AP

Complaint narrative:
My loans are serviced through AES. I schedule my payments every month to be taken on the due date. ( please not that my loan payment has gone up every single month even though I pay on time ... so really ... whats the point anymore? ). I received an email stating that my loan was late. This concerned me because I knew it was scheduled to come out on the due date. I checked my bank account and the payment had been taken out. Confused, I logged into my account. On the account summary you can see where my payment was scheduled to come out on XXXX/XXXX/XXXX, the amount fully came out on XXXX/XXXX/XXXX from my account and yet this day ( XXXX/XXXX/XXXX ) the summary page said it was delinquent and had not been received. I emailed AES and their response was : " The payment in question has been located and a request has been submitted to have the payment applied to your account. Please allow up to 10 business days for this request to be processed. We apologize for any inconvenience this may have caused you.

Although the payment has been located and a request has been submitted to apply it to your account, I must advise you of the delinquency on the account until the payment is applied.

As of the date of this email, your account is four days past due for {$190.00}. Late fees may be assessed if the delinquency continues on your account. You may receive calls and letters regarding the delinquency until the account is current. We report the status of your loans to the nationwide consumer reporting agencies each month. '' HOW DOES THIS MAKE SENSE? They have also been calling my co-signer AFTER my payments are made and show that they are made and telling her ( my XXXX old grandmother ) that my payments are n't being paid. SOMETHING is wrong with this company ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX irs breach have ruined me please have them remove the inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: Conn's, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX breach have ruined me please have them remove the inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: TX

Complaint narrative:
XXXX XXXX experian, XXXX breach have ruined me please have them remove the inaccurate accounts

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 2017-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This agency has a legal responsibility to provide information to verify this debt so as is my right to be furnished, I demand all the original contract, terms and entire payment history as well as the proof of bond agreement and XXXX as well as a letter of assignment on this account from date of opening or it is not in compliance to FCRA XXXX XXXX XXXX XXXX and is to be deleted immediately According to the FDCPA, I have a legal right to cease and desist and I am exercising that right now which also calls for the account to be deleted from the reports as otherwise it is an attempt to collect on the debt and a violation of my legal rights. 
This account is also dated more that XXXX XXXX XXXX and therefore even being on my credit report at this point is a violation that I will be bringing to the attention of the proper authorities as well.

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 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I notice my address listed on my credit report is incorrect because I have never lived there. I called the credit reporting company and was informed that the address was reported by XXXX XXXX XXXX XXXX, which is by XXXX XXXX. 
I contacted XXXX XXXXXXXX XXXX XXXX Live chat and talked to XXXX XXXX on XX/XX/17, and he promised the incorrect address will be removed from my credit report within 30 days. I follow up with my credit report on XX/XX/17 and the incorrect address is still there. I contacted XXXX XXXXXXXX XXXX XXXXXXXX again and was transferred to XXXXXXXX XXXX XXXX Account Manager, XXXX ( ID # XXXX ), and she could n't promise she would solve this issue. XXXX transferred my call to another Account Manager, XXXX ( ID # XXXX ), and she said my complaint was childish and she could n't promise she would solve this issue. XXXX transferred my call to XXXX XXXX 's voicemail so I left a message and asked him to call me back. He never call me back to address this issue. XXXX XXXX XXXX customer service is very poor. Their managers do not listen to the complaint, can not provide solutions, and are not professional. Instead, their managers are rude, argumentative, and just pass the problem to the next person. 
Per the Account Managers, XXXXXXXX XXXX report the incorrect address to my credit report even though the address was not update nor provide by me. XXXXXXXX XXXX can not prove this is not a clerical error and refuses to contact the credit report companies to admit the mistake so the incorrect address can be totally erase from my credit record.

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 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I have a mortgage account with XXXX XXXX. On the most recent statement, they have added a {$25.00} charge under " Other Fees '', with no explanation whatsoever, and no reason I can fathom as to why it would be legitimate. It does not appear on their online statement. 

I have automatic payment enabled, and I 'm assuming that they 're hoping I would not notice, and they can just scam me for extra money. I plan to call their customer service, but given their previous billing issues and resolution process XXXX which, as with most companies, they make as cumbersome as possible, and requires long hold times and complaint elevation ), I do n't know how long that will take.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: AZ

Complaint narrative:
I am a victim of identity theft. The following hard inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX, the hard inquiry do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I attempted to request several disputes and to my surprise was told : The below 8 items were not submitted and need your attention. Unfortunately, they failed to process my disputes and this is my third attempt. Please see the attached documents as proof.

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 2017-10-18 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: OK

Complaint narrative:
Before my near fatal car accident in XX/XX/XXXX I have n't been steadily employed however was very proud of my excellent Credit Score & Credit Report. I feared not being able to juggle my finances properly after the accident because I had diagnosed at XXXX XXXX  XXXX XXXX with XXXX XXXX due to XXXX XXXX XXXX ( XXXX ), combined type ( XXXX ) and by my XXXX with XXXX with XXXX XXXX XXXX XXXX which I am now receiving Social Security. 
After a while I began checking my Credit Reports from all 3 of the major credit reporting agencies ( CRA ) and found suspicious accounts, amounts, addresses, dates, names and inquiries throughout my personal file. I have been challenging and disputing the Creditors as well as the CRAs for nearly 10 years ( XX/XX/XXXX-XX/XX/XXXX ) about the accuracy of my information to no avail. Most recently, I have been told how to dispute my claims more systematically by using certified mail with a return receipt. I have managed to get some of the inaccurate information changed but still have a huge struggle as I continue to dispute & challenge other misinformation documented in my credit report. 
Beginning in XX/XX/XXXX, I decided to keep track of ALL of my letters I send to the CRAs. As of today, I have sent 4 different letter to Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 3 different letters to XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 3 different letters to XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).
I 've requested via Fair Credit Reporting Act ( FCRA ) in every letter mailed to the CRAs to provide physical verification as well as verifiable proof of an original contract with my Signature on it but am ignored and denied on every occasion. I have suffered so much frustration and rage because of this willful negligence and disregard of the law that I now see my XXXX 4 times per month. I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2017-10-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
On several occasions I have received a letter st tight the XXXX XXXX has provided information about me which seems to be false when I try to contact them to dispute or find out what information they provided I can not get to theye are reporting to creditors that I have a credit score of XXXX out of 900 which is false info and caused me to be denied credit.

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 2017-10-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On several occasions I have received a letter st tight the XXXX XXXX has provided information about me which seems to be false when I try to contact them to dispute or find out what information they provided I can not get to theye are reporting to creditors that I have a credit score of XXXX out of 900 which is false info and caused me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
Mypaydayloan.com initiated a loan application without my knowledge, granted and processed a loan without my consent and approval. 

On Saturday, XXXX @ XXXXXXXX XXXX, I received an email stating that my loan application for a {$500.00} payday loan was pre-approved. On the same day at XXXXXXXX XXXX, received another email stating that in order to process my application, I need to verify my email address. Another email at XXXXXXXX XXXX was received with the same message, i.e. asking me to confirm my email so they can process the so-called application. 

On Sunday, XXXX at XXXX4 XXXX, I received another email stating that my loan for {$500.00} was approved. Please take note that I never responded to their emails received the day before. How can they approve an application when ( 1 ) I did n't apply and ( 2 ) I did n't confirm my email address like they wanted me to do! 

On Monday, XXXX at XXXX XXXX I received another email stating that my payment is due on XXXX and that I need to log in and submit a payment request. This email is what prompted to check my bank account and lo and behold, there is a {$500.00} credited to my account from mypd (  that 's how it appears on my bank account ). Again, I did not apply for this loan nor did I sign any paperworks electronically. 

On Monday, XXXX around XXXXXXXX XXXX, I called them at XXXX and spoke to a gentleman named XXXX XXXX ( with a very strong accent ). I asked why I have a loan that I did n't apply for and how they processed it without my consent. At that time, he offered to process a reversal of the credit via a payment request. He advised me that {$500.00} will be debited from my account on XXXX. I asked again how did this happen to begin with and all he told me is that I need to be careful putting my information online. 

That last statement led me to believe that they somehow manage to steal my personal information including my email address, bank account information, SSN etc. and processed a loan on my behalf and without my consent. 

I need these scammers to be prosecuted for stealing my personal information. 

I very much appreciate immediate attention to this matter.

Company response to consumer: Closed with explanation