vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon careful review of my Experian Credit Report I foun d 3 b ankruptcy 's in my file under my name. I have reached out to Experian on numerous occasions and spoken with several representatives from both offshore and in the special handling departments. Experian has failed to VALIDATE these said bankruptcy 's listed in my file. I have made contact with Experian by mailing in certified letters that included a letter from the  Federal Courts in G eorgia stating they DO NOT REPORT ANY INFORMATION TO THE CREDIT AGENCIES. However Experian continues to break the law by reporting inaccurate information in my files.  <P/> Attached you will find my prior compliant to Experian which did not result in any resolution as Experian claimed they were unable to locate my file. You will also find the court document I received after inquiring on their procedures for VALIDATING bankruptcy information.  <P/> Experian has claimed to receive this information from  XXXX   XXXX . I also made contact with  XXXX   XXXX  and received written communication that my file with  XXXX   XXXX  has been suppressed and blocked from anyone attempting to receive third party information since    XXXX   XXXX  . However   Experian has listed on my credit reports that public record information was received on behalf of Vender  XXXX   XXXX , Experian continues to maintain this lie to all consumers. Please see attachment.  <P/> Experian refuses and fails to comply with FCRA and they are storing and reporting information that is inaccurate. This is why I am forced to file a compliant as Experian refuses to listen to the consumer.  <P/> Experian has lied to millions of consumers by stating they have verified public record information with the courts, my attachments from the courts will explain that the courts never communicated with Experian and in fact states that the courts DOES NOT REPORT ANY INFORMATION TO ANY CREDIT REPORTING AGENCY. I am hoping that the CFPB can get involved with this process to help enforce the law and help protect the consumers.  <P/> In addition my file was impacted in a negative manner due to Experian mixing my file with another consumer with the same and similar name. Due to the constant inaccurate reporting I am now filing this compliant.  <P/> Please see all attachments.

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 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
The home is in foreclosure. The past 4 months Nationstar was made aware that the property was in the process of being purchased/ sold to a new party, which is why numerous reinstatements and pay offices were being order on a monthly basis. The file is now in escrow and ready to close. Nationstar was made aware that the file was in escrow and was sent over all pertinent documents pertaining to the transaction Nationstar will be paid the full amount owed via this transaction but they are REFUSING to let the transaction be completed. We are asking for the sale to be postponed so the loan can be funded and Nationstar can received their payoff in full. We are simply asking for an additional 2 weeks to 30 days at the most.
There is no tangible reason why Nationstar should not postpone the sale date. At this point it is apparent Nationstar would rather foreclosure than assist in this process. The XXXX  feel as if they are being discriminated against based on race, ethnicity, national origin.
The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on home and fire selling them at auction to make a profit. It appears that Nationstarss lack of participation to complete this transaction of Homeowners file indicates a preference to profit directly from their hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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:
I was unable to dispute these new claims online with  XXXX . I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX   XXXX  account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX    XXXX   statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does  XXXX  make it difficult or impossible to dispute and access my credit report online using a free credit 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 2017-06-08 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:
I was unable to dispute these new claims online with  XXXX . I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX    XXXX   account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX   XXXX  statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does  XXXX  make it difficult or impossible to dispute and access my credit report online using a free credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I was a XXXX TV customer then was changed to XXXX. They were so bad I cancelled the service and paid a balance due of {$150.00} on XX/XX/XXXX, I spoke  to a person named XXXX. Apparently, between the time XXXX credited my account they charged me {$59.00}. I received a letter dated XX/XX/XXXX claiming I still owed {$59.00}. On XX/XX/XXXX I called and spoke to a person named XXXX who told me I owed {$5.00}. I then received a collection letter from Credit Control Corp. on XX/XX/XXXX that I owed {$59.00}. On XX/XX/XXXX I contacted XXXX at Credit Control and attempted to explain what happened but she was so confused I hung up and decided to contact the Consumer Finance Department to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XXXX 2017 I received an attractive offer for a Chase - Southwest Airlines credit card. The offer said I would receive {$100.00} credit, plus XXXX points in my Southwest frequent flyer account. I applied for the card, but Chase rejected my application. The rejection letter, dated XXXX XXXX 2017, stated Too many credit cards opened in the last two years associated with you ( please see the first page of the attached document ). On XXXX XXXX 2017 I called Chase and complained about it. I was told the decision couldnt be reversed. On XXXX XXXX 2017 I called Chase again and asked How many credit cards opened in two years is too many? The agent failed to answer my question. Ironically, on XXXX XXXX 2017, shortly after my credit card application was denied, I got an offer from Chase for a home equity line of credit ( please see the second page of the attachment ). That clearly shows that Chase considered I was a reliable customer. In addition, at the time my application was rejected I had two Chase credit cards. Both were always paid in full ( I had autopay set up ). Last but not least, I have an excellent credit score. My honest opinion is that Chase bank declined my application because it did not want to honor the bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Who  m It May Concern, Yesterday my husband and I had property SOLD and left with a check to be deposited.
We deposited the check into our JOINT Checking Ac  count . ( Bank of America ) Within 12 hours there was thousands of dollars being processed/withdrawn out of our JOINT Checking Account. The company that withdraw the monies, was n't indicated at all in our JOINT Checking Account statements. There was no ALERT! that was indicated to us with our online Accounts at all.   <P/> Of course, we immediately went to the closest Bank of America to see what on earth was going on with this particular account mentioned above.  <P/> 
The Bank of America Manager found out that it was a Credit Card issued back in the early  XX/XX/XXXX  through my husbands company which has been CLOSED since XX/XX/XXXX . They indicated that    the last payment wa s XX/XX/XXXX . The  Credit Card was through the company which was also a LLC. My husbands name was the ONLY name on the Credit Card. Not mine.  <P/> The monies that were withdrawn is also mine. Th e Checking Account is also a JOINT Acc ount.  XXXX  Bank of America fraudulently withdrawn monies out of a   JOINT Checking Account  XXXX   XXXX   Please note, there was no notice by mail or phone calls to Alert us of any problem or issues to resolve any matters with Bank of America.
<P/>  There needs to b  e ACTION taken against Bank of America.
<P/>  My husband and I are retired and only get a small amount per month through social security. This Sale of t  he Property was to be a small cushion of security which was taken away from us like a thief in the night.
<P/>
Please let us know what ACTION must be taken so we can proceed to go further and have our monies returned to us.    <P/> Thank You.

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 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
When I open my mortgage with US Bank I was told that I could repay extra principal and withdraw extra principal by calling the US Bank Mortgage Call Centre. <P/>I have paid over {$70000.00} in extra principal and US Bank is now stating they never had an agreement to give me this money.

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 2017-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GVA Holdings, LLC
State: TX

Complaint narrative:
Company XXXX XXXX called me threatening to serve me paperwork at my job if I did not set up payments to repay Great Plains. I set up payment of {$500.00} a month for 3 months but when I tried to call Great Plains to check on payment arrangement they told me that another company actually owned my debt ( XXXX XXXX XXXX ). I have spoken the XXXX and they also told me that XXXX did not own my debt. XXXX stated they would send me my {$500.00} back and stop previous arrangements, however I doubt I will ever see that money and if I do it will probably be a fraudulent check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NC

Complaint narrative:
I am XXXX and can not call. I was overcharged ( double charged ) {$11.00} by XXXX on X/X/17 at XXXX when I purchased minutes online for my cell phone. XXXX charged me twice for a single purchase. I contacted XXXX via their chat option on their website. I was told that they can not reverse the charge online and that I would have to call to get the charge reversed. The nice lady at the XXXX XXXX  tried to make the call for me but XXXX just kept adding 30 minutes wait time to speak to anyone and she did not have time to keep holding. Because I am XXXX and do not have XXXX XXXX nor a land line I could not call Direct Express to get them to reverse the charge so I wrote a letter as their web home page says you can do. I enclosed a copy of my printout of the chat conversation with the XXXX people as well as a printout of my Direct Express account that shows the double charge. I included all of the information the website says they will need to resolve the matter. I sent the letter and proof of the double charge to Direct Express on XX/XX/XXXX and again at the end of XXXX. The charge has not been reversed and I have not heard anything from Direct Express about the matter. Please help me get my money back. It is not much but when you live on XXXX and have to choose between food and medicine each month, {$11.00} makes a big difference. I am attaching proof to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: IL

Complaint narrative:
I took out a {$400.00} loan with this company. The first payment was {$80.00} and every week since {$60.00}. They have more than recouped their {$400.00} already. They have me paying this {$60.00} every well up into  XX/XX/XXXX . Today is  XX/XX/XXXX . I will have paid over {$3000.00 } (  775 % ) for a {$400.00} loan. This is absolute robbery and I need help getting out of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: MO

Complaint narrative:
The item currently in dispute is a XXXX that was issued in my name without my knowledge by XXXX. The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from XXXX, it stated that this account is scheduled to continue on record until XX/XX/XXXX. I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with XX/XX/XXXX requesting them to remove my name from this account because the card was never received, activated or used by me. In XX/XX/XXXX, I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on XX/XX/XXXX, as a follow up from my phone conversations with their representatives that took place on Friday XXXX, XX/XX/XXXX and Monday XXXX, XX/XX/XXXX. The purpose of the phone calls and letter was to continue my dispute of the fraudulent XXXX and to advise them that the information from their investigation is inaccurate. I am requesting that XXXX, or its affiliate agency, XXXX XXXX XXXX, or collection agency, XXXX, remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.

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 2017-06-08 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: MO

Complaint narrative:
The item currently in dispute is a  XXXX  that was issued in my name without my knowledge by  XXXX . The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from  XXXX , it stated that this account is scheduled to continue on record until  XX/XX/XXXX . I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with  XXXX  requesting them to remove my name from this account because the card was never received, activated or used by me. In  XX/XX/XXXX , I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on  XX/XX/XXXX , as a follow up from my phone conversations with their representatives that took place on Friday afternoon,  XX/XX/XXXX  and Monday morning,  XX/XX/XXXX . The purpose of the phone calls and letter was to continue my dispute of the fraudulent  XXXX  and to advise them that the information from their investigation is inaccurate. I am requesting that  XXXX , or its affiliate agency,  XXXX   XXXX   XXXX , or collection agency,  XXXX , remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: MO

Complaint narrative:
The item currently in dispute is a  XXXX  that was issued in my name without my knowledge by  XXXX . The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my  credit score  report from Experian, it stated that this account is scheduled to continue on record until  XX/XX/XXXX . I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with  XXXX  requesting them to remove my name from this account because the card was never received, activated or used by me. In  XX/XX/XXXX , I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on  XX/XX/XXXX , as a follow up from my phone conversations with their representatives that took place on Friday afternoon,  XX/XX/XXXX  and Monday morning,  XX/XX/XXXX . The purpose of the phone calls and letter was to continue my dispute of the fraudulent  XXXX  and to advise them that the information from their investigation is inaccurate. I am requesting that  XXXX , or its affiliate agency,  XXXX   XXXX   XXXX , or collection agency,  XXXX , remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, m y credit score was  excellent.

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 2017-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I submitted the co-signer release document to release co-signers from my private loa ns. I received two letters o f correspondence stating both of my requests were unable to be granted and my requests were denied. I meet all criteria. I called the customer service line to dispute and find out what steps I should take to provide supporting documents to release my co-signers. I was told there is n't a person, underwriting department, or any other department that I could talk to about how to dispute. I was told to send a letter to dispute to a fax machine and someone may contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient, for our student loan, calls our home every 30 -45 min utes, beginning at  XXXX  and ending at  XXXX - XXXX  we are behind on our loan. we have called them to set up a payment plan. Even when a payment is made, we still get the calls because we have not caught up.  <P/> I believe the federal trade commission says that numerous calls a day is considered harassment. I have tried to get navient to stop the calls and they refused, denying that they even call that often.  <P/> It is very upsetting to get calls every 30 minutes, every day. and then they deny they are doing that, and refuse to help resolve the issue.

Company response to consumer: Closed with explanation