vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for an apartment and through background check ( XXXX/XXXX/XXXX ) I was notify their was an eviction on my record XXXX Bank of Amercia, foreclosure property, XXXX XXXX XXXX Ga XXXX. I did live at this residence as a guest, briefly ( I never had any ; lease, mortgage, or any type of financial obligation to this property ). 
I moved in XXXX ( purchase home XXXX XXXX XXXX XXXX ga XXXX ). I reside in my home from XXXX until I sold it in XXXX. I was not living at this property ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) when this eviction notice was serve and should not been listed as resident, I had long moved. And I do n't /did n't have any type of mortgage with them. I tried to this with BOA, no help. Also with XXXX XXXX they informed they just serve papers, they do n't verify we 're the names are correct. So I need help getting this wrong eviction off my 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 2017-10-22 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: CA

Complaint narrative:
[Letter # 4]  Experian plc XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

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 2017-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
-Purchased a washing & dryer from Sears in XXXX, XXXX -Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on time & paid off in full in XXXX XXXX -I was NEVER late and paid on time every month prior to the payoff -The washer has had 17 repair appointments -The washer is currently not working -The washer is still under warranty -Sears is reporting me paying late ONE time in XXXX XXXX -I have contacted Sears executive office three different times -I have was treated with disrespect and Sears has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the Sears rep with a negative racial stereotype

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 2017-10-22 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: CA

Complaint narrative:
At the age of XXXX, I met with a counselor at XXXX University, in XXXX, CA.
I applied and was accepted into there XXXX program which I completed XXXX 2014.
To pay for the tuition I secured a Fafsa loan.
I accrued a {$180000.00} debt. Now I ; m homeless and suffer from XXXX XXXX.
The XXXX University counselor failed to inform me that being a resident of California and over age XXXX, I could have earned an XXXX at a California XXXX University, for only {$11.00} per semester not per course but per semester.under California Education Code Section 68017, ( XXXX year old tuition waiver ) But being that XXXX is a for profit school, they convinced me to attend XXXX they took advantage of me, and did not inform me that I could earn an XXXX at a California XXXX  University school for under {$1000.00}, total.
Instead I attended a XXXX and incurred a {$180000.00} debt.
Which now at age XXXX will Never be able to REPAY.
Please help me. Please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-22 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: CA

Complaint narrative:
[Letter # 4] Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

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 2017-10-22 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: GREAT LAKES
State: CA

Complaint narrative:
[Letter # 4] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
-Purchased a washing & dryer from XXXX XXXX XXXX, XXXX -Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on XXXX & paid off in full in XXXX XXXX -I was NEVER late and paid on time every month prior to the payoff -The washer has had XXXX repair appointments -The washer is currently not working -The washer is still under warranty -XXXX is reporting me paying late XXXX time in XXXX XXXX XXXX have contacted XXXX XXXX XXXX XXXX different times -I have was treated XXXX disrespect and XXXX has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the XXXX XXXX with a negative XXXX stereotype

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 2017-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
-Purchased a washing & dryer from XXXX in XX/XX/XXXX-Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on time & paid off in full inXX/XX/XXXX-I was NEVER late and paid on time every month prior to the payoff -The washer has had 17 repair appointments -The washer is currently not working -The washer is still under warranty XXXX is reporting me paying late ONE time in XX/XX/XXXX-I have contacted XXXX executive office three different times -I have was treated with disrespect and XXXX has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the XXXX rep with a negative racial stereotype

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK, NEVER ALLOWED ME TO MODIFY MY MORTGAGE. 

I TRIED OVER 6 TIMES, THEY LOSSED PAPER WORK ETC. 

NO MATTER WHAT THEY SAY, THEY WILL JUSTIFY, THAT THEY FOLLOWED ALL THE RULES, AND COMPLIED WITH ALL THE LAWS, BUT THEY LIE. 

OVER 12 CHASE BANK EXECUTIVES HAVE COMMITTED XXXX BECAUSE OF CHASE BANK ACTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: OH

Complaint narrative:
The problem is with discover card. I actually already have an account with them this complaint is about obtaining a credit limit increase. I started with a secured card with a XXXX $ limit in XXXX. Since opening the account my XXXX has increased to XXXX according to their own site, I have not missed a payment with them or anyone else and have been considered credit worthy enough for other banks too give me XXXX limits. I have called them several times to try to get a credit limit increase and the just say the system automatically reviews it. I consider calling them an application for credit, they take adverse action against me by denying me additional credit, but give me no reason as to why, in fact they do n't even consider my request. Is this not a regulation B violation?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have three loans with navient. I am currently in a XXXX school program and my loans should be eligible for in-school deferment. I spoke to over 10 people on the phone at navient to try to handle this and was continuously given faulty information. First they told me they needed a letter from my school, which i provided, and was told this was not enough. I was then directed to a website to have my school fill out the form, which they did, and again I was told this was not the proper form. I had to repeatedly explain my situation to try to locate the proper form. This took a lot of time and energy. Finally after being redirected numerous times, someone emailed me the appropriate form. Which I then had my school fill out, and again I was told the information was not enough. At this point, I just gave in and paid well over the balances on each loan, only to find out that during this time they had reported me to the credit bureaus. This was something that was in process, and I was explicitly told that I had until a certain time before my credit would be affected. The reported me a month before the date they had given me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Dealing with Shellpoint Mortgage Servicing 1. Received first letter dated XX/XX/XXXX requesting proof of hazard protection coverage. This is covered by our Homeowners Assoc policy. 
I replied to them on XX/XX/XXXX attaching a copy of our insurance policy.

On XX/XX/XXXX they confirmed that they had received the document. 
2. Received second and final notice from them dated XX/XX/XXXX again requesting proof of hazard protection coverage and threatening to take out insurance cover on our behalf. 
I replied on XX/XX/XXXX stating that I had already sent a copy of the insurance and please do not charge us for any insurance. 
On XX/XX/XXXX they replied and apologized for the confusion caused and said to ignore the letter of XX/XX/XXXX. They stated your insurance is updated and no further information is required. 
3. Received third letter from them dated XX/XX/XXXX again requesting proof of hazard protection coverage and stating that they have placed lender insurance coverage on our property at a cost of {$2200.00} and that our monthly payments will be adjusted to cover this cost. 
I replied on XX/XX/XXXX to say that they must have made an error as we have already given them proof of the insurance and they have confirmed receipt of this, and that they MUST NOT charge us for insurance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: LA

Complaint narrative:
My complaint is due to the neglect of the FCRA of 1970XX/XX/XXXXby the company XXXX in reference to my credit report. The company neglected the following two stipulations by this act.

1. Furnishers must also notify a CRA if the information is being disputed, if an account is being closed and if an account is delinquent. There are special considerations for financial institutions who must also notify the consumer within 30 days if they are sending negative information with regards to delinquent accounts to a credit reporting agency. 
2. Every collector must send you a written validation notice telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The FICO score division of TransUnion is reporting a serious delinquency on my XXXX XXXX. No delinquency of any type exists. No company has reported and type of late pay or any delinquency because one does not exist. Their computer generated this delinquency because a credit card account showed a balance but no reporting from the credit card company and their computer interpreted this as not making payments. The balance does n't exist and there has been no activity on the account. The delinquency does not even exist on TransUnion 's credit report. It is the FICO divisions computer that is assuming this delinquency. I disputed it and got a letter from TransUnion saying it had been updated. Yet it is still being reported that there is a serious delinquency. It has so far cost me in higher insurance premiums and is showing up on my report while I am trying to buy a new house.

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 2017-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I DISPUTED THIS DEBT WITH XXXX XXXX XXXX AND REQUESTED VALIDATION, THEY SENT A LETTER SHOWING THE CREDITOR ONLY AND THEN VERIFIED THE DISPUTE AS INFORMATION IS CORRECT. THE INFORMATION IS NOT CORRECT ACCORDING TO THE FCRA THIS LETTER THEY SENT IS NOT A DEBT VALIDATION FOR BOTH XXXX XXXX XXXX AND XXXX XXXX I HAVE NEVER SIGNED ANY TYPE OF CONTACT WITH MXXXX XXXX XXXX AND NEVER RECEIVED PROPER DEBT VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have reported incorrect my personal 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 non-monetary relief
Consumer complaint received 2017-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported incorrect my personal 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 2017-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have reported incorrect my personal information,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: LA

Complaint narrative:
I have recently obtained a copy of my credit file and there are many mistakes in my 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 2017-10-22 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: AZ

Complaint narrative:
I have recently obtained a copy of my credit file and there are many mistakes in my 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 2017-10-22 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: MS

Complaint narrative:
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX Acct # : XXXX : I have never paid late XXXX XXXX Acct # : XXXX : I have never paid late XXXX XXXX XXXX Acct # : XXXX : Inaccuracy payment 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 2017-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC
State: DE

Complaint narrative:
On XXXX/XXXX/XXXX I visited XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Delaware XXXX the purpose for visit was to purchase a lawn tractor. I became interested in a XXXX XXXX ' riding lawnmower, retail price for the lawnmower {XXXX} dollars. 
XXXX offered XXXX no credit check XXXX line of credit, information provided by sales associate. Whom explained the program allowed to make minium payments, with initial payment in store following a payment plan to which I would own. 
XXXX XXXX XXXX, explained the terms of this line of credit through a third party lender. 
XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NH XXXX company is also known as XXXX. XXXX XXXX XXXX, obtained my personal information in order to initiate the line of credit with XXXX XXXX XXXX XXXX XXXX. A credit line was approved, it was explained that I would make payments in the amount XXXX after the minimum payment frequency the line of credit would be satisfied and I would own. 

On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, Notified me claiming my minimum rent payment was satisfied and I am presented with XXXX options to purchase in amount XXXX or return the item or continue leasing the item. After informing the company I was never aware that this credit line did n't permit owning after minium payments were satisfied XXXX XXXX  XXXX XXXX XXXX, attempted to offer a reduction of the buy out to XXXX} or a recovery team would be in contact with me to collect the lawnmower from ownership. 

I paid XXXX frequency payments for the retail price of the lawnmower purchased, through XXXX XXXX XXXX XXXX XXXX terms and misrepresentations to no fees in credit line but more so unlnownly buy out I would be required to pay XXXX over retail price for the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Please be advised last month I mailed Capital One requesting information on my credit card account. Specifically I requested Capital One provide me a full payment history on my account to substantiate the late payments they are falsely reporting to the credit bureaus. On XXXX XXXX, XXXX I received 2 letters from Capital One. One stated that they are REPORTING the account CORRECTLY which is false. The second letter stated that they have included the information I requested ( full payment history of the account to substantiate the false late payment ). THERE WAS NOTHING IN THE ENVELOPE. Capital One is violating federal law by reporting false information and is harming my creditworthiness with their negligence.

Company response to consumer: Closed with explanation