vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX I disputed a ch XXXX bankruotcy on my credit file wanting the information in the report to be reportrd accurately and be verified. Equifax had 30 days to do so upon request in the dispute Equifax removed the public record because they could not verify the accuracy of the information. As of XX/XX/XXXX there weas no record of the bankruptcy on my credit file. As of XX/XX/XXXX the information has / reinserted/reappeared on my Equifax credit report stating XXXX XXXX is the furnisher of the public record 3rd party vendor of the public record and not the court. I called Equifax XX/XX/XXXX to dispute this matter of the reinsertion I spoke with XXXX but he told me there is nothing he could do. Also it says on the report the date reorted for the bankruptcy wasXX/XX/XXXX was that the date the inquiry was added or discharge? Again inaccuracies I have a report of XX/XX/XXXX that does not include the bankruptcy on the record and the discharge date for the bankruptcy wasXX/XX/XXXX.I never recieved Certification Of Accuracy with a 5 day notice telling me about the reinsertion. Adding Equifax did not verify the public record with the court or court reporters because the court does not verify or furnish information to the credit bureau. Public record sources must also include individuals name, address, full social security number, and date of birthto improve accuracy by the standards of the National Consumer Assistance Plan. I am requesting this information be deleted for finial resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: LEXISNEXIS
State: GA

Complaint narrative:
XX/XX/XXXX I disputed a ch XXXX  bankruotcy on my credit file wanting the information in the report to be reportrd accurately and be verified. XXXX had 30 days to do so upon request in the dispute XXXX   removed the public record because they could not verify the accuracy of the information. As ofXX/XX/XXXX there weas no record of the bankruptcy on my credit file. As ofXX/XX/XXXX the information has / reinserted/reappeared on my XXXX credit report stating Lexis Nexis is the furnisher of the public record 3rd party vendor of the public record and not the court. I called XXXX   XX/XX/XXXX to dispute this matter of the reinsertion I spoke with XXXX but he told me there is nothing he could do. Also it says on the report the date reorted for the bankruptcy was XX/XX/XXXX was that the date the inquiry was added or discharge? Again inaccuracies I have a report of XX/XX/XXXX that does not include the bankruptcy on the record and the discharge date for the bankruptcy was XX/XX/XXXX.I never recieved Certification Of Accuracy with a 5 day notice telling me about the reinsertion. Adding XXXX did not verify the public record with the court or court reporters because the court does not verify or furnish information to the credit bureau. Public record sources must also include individuals name, address, full social security number, and date of birthto improve accuracy by the standards of the National Consumer Assistance Plan. I am requesting this information be deleted for finial resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: GA

Complaint narrative:
Bankruptcy removal I have been disputing with Transunion and XXXX about the information associated with my Bankruptcy Ch XXXX. Most recent disputes have been online as well as by phone XX/XX/XXXX/ XX/XX/XXXXand ongoing thru XX/XX/XXXX. The results have been the record has been updated but my dispute has been who furnished the information for the updated information? The US bankruptcy Court has notified me that the court does not furnish the record to credit agencies or third party agengies. I have ask for how and who verified the bankruptcy for accuracy but TransUnion and XXXX always reply with they verified through public record database provided by the court through XXXX or XXXX. Listed are the things that I have asked and begged for and they won't give the information to me. I recently sent a letter in writing asking for this information which I am entitled to after my original disputes my phone and online.

( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute FCRA, Section 609 ( a ) 2 ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

FCRA, Section 611, paragraph ( 6 ) ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute.

Adding the public record also lacks name, address, full SSN or date of birth which is a minimum requirement according to NCAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: MA

Complaint narrative:
My loan was to be paid thru a consolidation company that went out of business and I was notified by XXXX I set up a payment plan at that time which seemed affordable but due to XXXX could not met it They did agree to a smaller amount Due to a complication I cold not contact them until I was released from the hospital They want to send to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE INVESTORS GROUP
State: TN

Complaint narrative:
On XX/XX/XXXX, I signed the papers for my newly constructed home. One year later the home began showing structural damage. The floors sank, there were cracks in the ceilings and in the walls, the ceiling sagged, a load bearing wall was protruding and many other things that should have never happened with a newly constructed home. The warranty I received on the home would not cover the structural issues. The builder would not cover his workmanship warranty. 
After research, in XX/XX/XXXX, I found that the builder was an unlicensed contractor. In the state of TN, it is illegal to build and sell homes when you are unlicensed. I have contacted the City of XXXX and the State of TN to report the unlicensed activity. The builder got out of the legal implications by saying he built the home for his family and decided not to move into it. 
This is my final recourse for my home, which I foreclosed on because I could not afford a lawyer or to finance the costs of the repairs. 

I would like to report that in my closing documents, there was no disclosure given to me that this home was built by an unlicensed contractor. This, in all meanings of Material Defect Disclosures, is a material defect. 

This information should have legally been disclosed to me as the purchaser. So that I would have been able to make a decision to purchase a home that costs me {$120000.00}. 

Due to this negligence of non-disclosure of a very important Material Defect, I have foreclosed on the property and will have to live with this on my credit report. This was an unfair and deceptive act on the part of the builder and he should be held liable for this property and breach of contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: GA

Complaint narrative:
Bankruptcy removal I have been disputing with XXXX and Experian about the information associated with my Bankruptcy Ch XXXX. Most recent disputes have been online as well as by phone XX/XX/XXXX/ XX/XX/XXXX and ongoing thruXX/XX/XXXX. The results have been the record has been updated but my dispute has been who furnished the information for the updated information? The US bankruptcy Court has notified me that the court does not furnish the record to credit agencies or third party agengies. I have ask for how and who verified the bankruptcy for accuracy but XXXX and Experian always reply with they verified through public record database provided by the court through XXXX or XXXX. Listed are the things that I have asked and begged for and they won't give the information to me. I recently sent a letter in writing asking for this information which I am entitled to after my original disputes my phone and online. 

( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute FCRA, Section 609 ( a  ) 2 ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

FCRA, Section 611, paragraph ( 6 ) ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute. 

Adding the public record also lacks name, address, full SSN or date of birth which is a minimum requirement according to NCAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX from Wells Fargo is working on a response to my complaint, I want an explanation of why Wells Fargo would hire an appraiser outside of the County I live in to appraise my home, I want that question answered. This is relevant because if you go to their Website, that is one of the questions they ask you, what County you live in, if it weren't relevant then that would be a question they shouldn't ask and frankly they could hire an appraiser from another state and I wouldn't know it and what would that appraiser know about where I live? I still feel this is fraud. Especially when a mile away is a home appraiser in XXXX XXXX. I want that answered

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had defaulted on my Citibank loan. I had discussed this with them, settlement made, debt paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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:
On XX/XX/18 company XXXX XXXX XXXX via XXXX XXXX   XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 I did not authorize this inquiry I requested information only I received an email I would be contacted I was never contacted to confirm this inquiry. 
I contacted transunion, and informed the above company would have to send a letter of removal, I then called above company and was told they do not give letters. This unauthorized inquiry has now reduced my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America requires in order to get a mortgage through them that you must open a checking account through them as well. In their online mortgage payment portal, two times now I have selected to pay my mortgage payment through my usual ( non Bank of America ) checking account and the website is defaulted to attempting to pay through my Bank of America checking account which has only a nominal amount of money. This results in an overdraft fee and the need to call them to reverse the payment. The technical support for the mortgage payment site ( B of A technical support ) told me they have encountered this problem from other callers as well. I am concerned that they are not fixing this bug in the website because it generates money from the overdraft associated with the mistake.

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 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am not employed at XXXX XXXX. I am a XXXX XXXX. Please send verification of change to me XXXX XXXX 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 2018-04-04 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: VW Credit
State: VA

Complaint narrative:
I return car back to dealaship back in XX/XX/XXXX, it is still showing open on credit report and I went to XXXX and they still saying wait, but the account should said close because I turn in and paid last payment and it is now XX/XX/XXXX and it is holding me up from getting another car

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 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: TX

Complaint narrative:
Due to XXXX XXXX XXXX closing all their US locations, a loan forgiveness was supposed to be eligible for students. When I called Navient to discuss this I was told that my type of loan was not eligible but other loans were. However, they were not clear on what type of loan I had. Furthermore, I submitted an application to have my co-signer removed but was denied. I have paid thousands of dollars to them but I dont qualify to have my co-signer removed. Very upsetting!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have a collection account on my credit report from XXXX XXXX   XXXX XXXX, XXXX. 
Please be advised that I'm disputing this collection due to the fact I have no contract with them and Portfolio Recovery does not have a valid license to collect debt in the State of North Carolina according to North Carolina financial regulations. I am requesting that you delete this account from my credit reports or provide me physical proof that they are licensed to collect debt in North Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: NC

Complaint narrative:
I am trying to repair my credit after identity theft. I have XXXX XXXX and noticed this company AFNI was placed in collections for XXXX as of XX/XX/2018. I have never had a relationship, contract or any service with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: NC

Complaint narrative:
I contacted Experian in XXXX about incorrect personal information on my report. There were several mistyped names and addresses. I never received a response back and upon looking at my current report they chose to pick and choose what they took off. Under the FCRA they must take off any information that is incorrect. I called and informed a rep that I have never lived at any of the below addresses listed and that the names I have never been known as or legally been. She informed me tough luck they report what they want and if it's a debt owed they won't remove it. Well, it's inaccurate information which tells me the credit bureau isn't actually validating debt and just putting whatever it wants on it. 

These are INACCURATE names and addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX XXXX XXXX XXXXl XXXX, nc 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 non-monetary relief
Consumer complaint received 2018-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Three years ago, in XX/XX/XXXX, I paid {$2000.00} and started having {$50.00} a month automatically withdrawn from my checking account for the balance. Even though I was paying {$50.00} a month only a dollar or two was credited to my account. When I asked why they had no answer. Unknown to me they stopped taking the money automatically in XX/XX/XXXX. I just learned this week I was turned over to collection even though I didn't get a phone call or letter about the auto withdraw stopping and now I'm supposed to pay {$4000.00} I don't have. I called yesterday and found out my account was only credited for {$1000.00} of the original {$2000.00} payment. I now owe more than I did in XX/XX/XXXX. despite paying {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XXXX XXXX Bank Information - Preauthorized Checks - JPMorgan Chase, {$81.00}. This information has not been provided to the CFPB, shows actual copies of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from Caliber Home Loans. XXXX started collecting my payment since XX/XX/XXXX. On or around XX/XX/XXXX I called into experian to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open Caliber Homes Loans have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent out validation letters and disputed two collections on my credit report in XXXX. The TWO collections are with a company called XXXX XXXX XXXX. I received a copy of a lease from the company. At the top of the lease the names are XXXX XXXX and XXXX XXXX. No where on the lease is my name. I contacted the company and they said it was an error but the debt was intended for me. I'm sorry, but that's not VALIDATION. I requested the company delete and they said no. I informed transunion and they have yet to delete these from my credit report dispute the collections agencies lack of validation proof. I'm attching the lease to this complaint as proof that it is not mine.

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