vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-17 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: CT

Complaint narrative:
On Sunday XXXX XXXX 2017 a credit manager gained access to my credit report and damaged my XXXX and XXXX XXXX. 

XXXX and third parties gained access to my report and changed accounts. 

XXXX has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. 

Reported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX XXXX did not independently validate information contained in furnishers records. 
false delinquencies XXXX, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). 
XXXX failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. 
XXXX withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I XXXX XXXX, a minority woman who has recently gone through a financial hardship due to a medical issue hereby state on the record : 1. I was on workmans compensation right after my initial injury in XXXX of XXXX. 
2. I used the rest of my savings for a time-period to maintain my mortgage payments. I them filed for a Chapter XXXX bankruptcy petition where I simply could not keep up with the payments. 
3. I filed for a mortgage modification on XXXX XXXX, XXXX, after a lengthy conversation with a Wells Fargo representative. A copy of the initial filing is attached. 
4. After that date, Wells Fargo never responded back to me. 
5. Since that filing, I am now back to work full time, and I can pay my mortgage every month after a modification is approved. 
6. This past week I received a notice that my home was scheduled for foreclosure XXXX XXXX, XXXX. 
7. This is unfair as I was never served with a complaint of foreclosure, was protected of any filing as my Chapter XXXX was just dismissed, and I was protected under the US Bankruptcy code while the Chapter was active. This is a violation of my rights under the Fair Debt Collection Practices Act, as well as the US Bankruptcy Code. There was never a foreclosure complaint served to me personally. 
8. Now I must file an action in federal court to purge this action, and I am still in activity with Wells Fargo. 
9. I need this complaint to be filed with the Consumer Financial Protection Bureau, as I am a consumer in the United States, a citizen that is having her rights violated, and a member of the minority community that feels that her race is a factor that law firms can take advantage of, in addition to Wells Fargo.
10. I am now healthy, and ready to start making payments on a modified mortgage. 
I request immediate action so that I can fulfill my obligations, and keep a roof over my head for my children and grandchildren. I am asking for no handout, just my rights under federal laws. 
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 2017-09-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Cards initially advised my XXXX 2017 payment was never paid. I received a letter stating now it was received, but was 30 days late. This is false. Company is refusing to take responsibility and remove these late payments. I have never made a payment outside of 30 days. I would like to know what other federal regulation agencies that I can contact to finally get to the bottom of this issue. 

THIS IS A NEW COMPLAINT, WHICH ADDRESSES THE CLAIM THAT I WAS 30 DAYS LATE.

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 2017-09-17 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: AES/PHEAA
State: KY

Complaint narrative:
AES fraudulently reopened an account that was charged off and closed in XXXX XXXX by applying forbearances and deferments without my consent or knowledge. AES forged my signature on a forbearance request for the dates XX/XX/XXXX to XX/XX/XXXX. A 6 week forbearance is very unusual considering they are normally requested for 6 to 24 months ( see attachment ). AES admitted that after I demanded they remove all negative reporting and delete all tradelines, they applied forbearances and deferments to keep the account from falling off my credit report and keep it in good standing. I did not request nor sign any forbearance or deferment. The signed MPN is for the amount {$14000.00} while AES claims that owe over $ 90k ( see attachment ). AES is reporting inaccurate and incomplete information to XXXX and refuses to correct the issue and remove the tradelines. The tradelines have been on my credit report since XXXX and yet there is no other information than as of XX/XX/XXXX it is current and in deferment. AES continues to withhold information regarding the owner of the account as well as other pertinent information surrounding the dispute. I have requested this information several times and they refuse to provide anything. AES agreed to remove all tradelines from XXXX and XXXX, but they refuse to remove the same tradelines from XXXX. This is an FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent 2 method of verification requests via certified mail to Experian credit bureau and Experian has ignored my requests and have chosen to stall by requesting additional identification information eventhough, but each time they verify this information without this additional ID requirement. 

Experian has failed TWICE to provide the method of verification after receiving my request and is in violation of FCRA 611 ( a ) ( 7 ) which states that a method of verification should be provided by Experian within 15 days after my request is received. 

My dispute is due to an inaccurate, erroneous bankruptcy in my credit file. 

XXXX XXXX XXXX XXXX XXXX ... # XXXX Report number XXXX - XXXX XXXX, XXXX I am requesting that Experian provide me with an EXACT description of the EXACT procedures used to determine the accuracy and completeness of the information disputed. 

If Experian is not able to provide me with the information I have requested I demand that Experian will do their lawful duty and remove this inaccurate, erroneous bankruptcy. 
it is my belief that Experian has not contacted the courthouse because I contacted a clerk at the courthouse who stated that Experian at no time has contacted them regarding this inaccurate, erroneous bankruptcy. 

I plead with CFPB to intervene and have Experian provide the method of verification that I have requested TWICE or remove it from my credit report immediately. 

Experian is disrupting my financial life at this point and I am determined to contact every agency, news media, my congressman etc screaming at the top of my lungs regarding Experians blatant disrespect for my disputes & method of verification requests etc if this inaccurate, erroneous bankruptcy is not removed.

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 2017-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
I am an XXXX working per contract. Last year I had a hard time finding a new contract, so I run out of savings and I fell behind with my bills. 
Finally in XX/XX/XXXX I found a 6 month contract in XXXX XXXX TN, working for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
We had a very tight schedule. We were working 7 days a week and over time. 
I received a letter from the mortgage company that my house was in foreclosure however they wanted to help and they were offering me several options. 
The first option was a repayment plan which I wanted to apply for. 
I am offering a 6 month repayment plan of XXXX dollars per month. 
The Bank refused the plan saying I have to pay the XXXX dollars at once. 
My question is why they offering me a repayment plan as a first option if they are not willing to go with it. 
On the other hand a 6 month plan is a reasonable plan that will solve the problem in a relatively short period of time. Instead, they prefer to drag me thru the foreclosure. 
They claim I have to modify the loan, but I say I do not want to do it because my mortgage has a lower interest than any modification. 
They want to get me on a higher rate so they can rip me off. 
Not unusual for a helping hand of a financial institution. 
Best wishes, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: ME

Complaint narrative:
From XXXX to XXXX accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I left the corporate world to join the world of education because I believe that public school instruction is one of the most noble things you can do. After a large pay cut as a result of this decision, I decided to go back to school and obtain a XXXX XXXX in XXXX XXXX. In order to do so, I had to take out several student loans. Afterwards, I accepted the opportunity to put my loans off until I was in a position to pay them. The process resulted in several lates as a result of the deferments. I was later offered an opportunity to take part in a rehabilitation program to get my loans on track. I was told by the Department of Education and by Navient/XXXX XXXX that one of the benefits of joining the rehab program is that my late payments would be removed from my credit report since I would be consolidating my loan ; otherwise, I would have a TON of late payments and several listings on my credit report. I quickly agreed. I have completed the rehab program and now they are refusing to remove the lates and old postings from my credit report! This is impacting my score greatly. I have reached out to the CEO of XXXX XXXX/Navient and to the Dept of Education and no one will listen! I have over {$180000.00} consolidated in student loans under one listing, which is right, but then, there are a TON of old accounts - all with SEVERAL LATES. How am I suppose to move on with any form of quality life if my credit is destroyed as a result of this? I feel that I was completely misled. I am the primary caregiver for my XXXX XXXX XXXX mother who now needs special accommodation in her home since her XXXX. How am I supposed to reestablish credit and support her needs and mine if my credit is destroyed. I have lost all faith in the student loan process. When my students ask me about going to college and getting a student loan, I absolutely cringe at the thought.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: GA

Complaint narrative:
This is in to ref # XXXX my XXXX complaint against Equifax filed with you XXXX XXXX. On XXXX XXXX, XXXX Equifax choose to contact me ( consumer ) instead of reporting to you ; sending me an email of a investigation ( basically no changes to my report ; attachment ), when in fact I did not contact them ; I contacted The CFPB. Then to add salt, Equifax waits till the deadline to request an additional 30 days to reinvestigate. 
It appears to me someone is playing games. Especially, enlighten of this security breach of information cover-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Background : I was sent a letter by Bank of America to update my personal information in XXXX XXXX. I did not respond to it. In XXXX XXXX BoA cancelled my XXXX card. 
I went to a BoA Center and inquired about my XXXX XXXX. I was told that there was some fraudulent activity on y account and Debit card was cancelled. While at the banking center I informed them that i have received a letter from BoA requesting additional information. 
I was told by BoA representative that all information on y account is current and he provided me with a temporary XXXX Card and BoA sent me a new XXXX card with in a week with no intimation about reason of XXXX card cancellation. 
On XXXX XXXX XXXX BoA froze my personal checking account, without any warning. I came to know about this fact when my credit cards payments started to bounce. 
I called BoA on XXXX and that was the first time I was put in-contact with BoA compliance department. I provided the required information and was told that my primary checking account will be unfrozen. 
I called back again on XXXX morning an was told by BoA compliance Supervisor that my Primary checking account is now open and I should continue with normal banking activities. In evening i tried to pay my XXXX Credit card and the payment bounced again. 
On XXXX XXXX back closed both of my credit cards, citing those as high risk accounts due to multiple returned payments. 
Impacts Bounced Mortgage Payment Bounced Car Payment Bounced XXXX XXXX XXXX XXXX Bank closed both my credit cards marking me high risk customer due to multiple returned payments Severe Impacts to my XXXX XXXX The above situation was caused by complete lack of communication between different departments of BoA. 
If my debit card was closed on an advice of Compliance department, the branch did not give me any indication of that fact, rather I was issued a new XXXX card. 
No communication was done to my before closing my XXXX card or XXXX account. 
BoA regularly uses Text messages and emails to communicate. In this case no out reach was done. 
Even after reaching BoA compliance department, I was provided wrong information by their supervisors. 
I was repeatedly told that various BoA employees did not provide me the right services, thus impacting my life in a very adverse manner.

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 2017-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I called to check on what happened with my Checking account at Chase bank because the account did not look right and the representative told me the account was being restricted because of the hold on my check deposit and the check was returned and now I was told the account was closed without my my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax allowed unauthorized access to my personal information, including Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Have been trying to get my free annual credit report from Experian ever since the XXXX break-in, but Experian does not respond online or even by telephone. They suggest going online, but get no results online. Nor do they respond to trying to freeze my account. Online, all I get when trying to get free annual credit report or trying to freeze my account is " loading '' -- nothing more. Nothing else happens. This has been going on for more than a week now. Tried repeatedly to contact them but totally unsuccessful.

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 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The current hack of Equifax has exposed mine, and many, many other citizens to potential identity theft. Due to Equifax, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: CA

Complaint narrative:
I bought my credit report on XX/XX/XXXX from TransUnion. There were numerous errors. One debt, the same debt, was reported more than 7 times on my credit report.
I asked for TransUnion ( TU ) to correct the errors and validate debts that were not mine. The letter was sent on XX/XX/XXXX via Certified Mail. I sent the credit report, proof that the debt was singular and not duplicitous, along with my i.d . and a pay stub for id.
TU failed to contact me within 5 days to acknowledge my request.
TU then sent me letters with the wrong name, with a statement that I needed to send additional information to request a free credit report. I NEVER REQUESTED A FREE REPORT SINCE I BOUGHT ONE FROM THEIR WEBSITE!
I sent another letter to TU, via Certified Mail, informing them that I demanded that they delete the duplicate debts, validate those debts that were not mine, and fix the errors listed in my credit report.
They responded to me with the wrong name and stated that TU did n't recognize my credit report or could n't find it, that I need to submit a better form of id ... to get my FREE CREDIT REPORT!
They did not validate my debt, delete duplicitous debts, or fix errors listed in my credit report within 30 days. TU continued to report the debt, failed to give notice the debt was in dispute, and failed to take any actions at all.
All letters have been electronically sent via Certified Mail, with proof, and are still in electronic form.

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 2017-09-17 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: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I have tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
This letter is to complain about service I recently received from an M & T Bank branch in XXXX, NY. On Wednesday, XXXX XXXX at around XXXX XXXX, I had used the outdoor ATM drive-thru at M & T Bank, ( XXXX XXXX XXXX, XXXX New York, XXXX. ) Since I had dropped something on the ground. I backed up my car to retrieve it, and when I checked the ATM, it had swallowed my card. 
My bank card is issued from XXXX bank, my branch is at XXXX XXXX, XXXX XXXX, NY, XXXX. I immediately went into the bank branch to retrieve my card, and was told that customer service would not return my card to me. They told me that the bank policy is to destroy the card since it was from a non-M & T bank. 
I was very angry and frustrated. This did not seem right to me, as I had all of my identification and would have been able to easily prove that I was the owner of the card. This has happened before once or twice in my life, and the bank in question has always been cordial. ( This happened to my wife at XXXX last year using a non-XXXX  card, and the bank returned her card by the end of the day to her. ) Your employees at M & T bank, however, were rude, unreasonable, and completely unhelpful. Normal policy or practice would seem to be to help the customer. 
Although I have received a new card from my bank, I am not pleased about the service that I received at your bank.

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