vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 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: NC

Complaint narrative:
Hello ; I have been at odds for the last two years with all three credit reporting groups ; XXXX ; Trans Union ; and XXXX. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly 700 to 577 without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXXXXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, XXXX XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in XXXX, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!

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 2017-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WY

Complaint narrative:
XX/XX/XXXX a transaction was made for services which were either not provided or provided deceptively. A/C was not working and XXXX XXXX informed me they found the leak causing my problem and a bad capacitor. I paid for the service and a maintenance program offered by XXXX XXXX. The very next day the same problems with A/C and they come out again and supposedly fix. Goes out the very next day again, I call another company and they look at my unit. Turns out there was a fairly large and obvious pin hole in the Evaporator Coil inside the home and the old capacitor was not even bad, but I needed to replace the system due to the evap coil being bad and I had an R22 compressor unit that needed to be switched to 410a refrigerant with an evap coil change at about {$3000.00} which I had done. XXXX XXXX did not look inside the home at the evaporator coil nor provide services signed up for under a 12 month maintenance contract. When I called to inquire about the issues I was told they no longer provide HVAC services and all my concerns would be sent to the President of the company XXXX XXXX. This particular conversation has been included. 

I never receive a call back from XXXX XXXX but he finally responds back via email where he states my money will be refunded.He does not refund the money and I forward the emails to CITI BEST BUY to prove the promised refund by the president of the company and in a 2nd letter dated XX/XX/XXXX they state I did not provide a full response to their request and sided against me in the dispute. The attached email chain shows that CITI was provided with more then enough information to refund the {$610.00} and side on my favor.

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 2017-09-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We are responding to claim number XXXX that was filed in reference to Bank Of America, ... we are responding to there response .... BOA claimed that when we filed our Chapter XXXX Bankruptcy in XXXX that was changed to a Chapter XXXX in XXXX XXXX and was Discharged in XXXX/XXXX/XXXX BOA stated that we did not reaffirm the debt, the debt was reaffirm in both the Chapter XXXX & XXXX XXXX case, in fact BOA did a modification in XXXX XXXX but did not record the lien until XXXX XXXX ... ..we was in the process of refinancing our loan with another company and found out that BOA never perfected the first loan and the only loan that is showing is the modified loan, BOA sent out a history of payments to the credit Bureau incorrectly by showing us over 30 days past due starting XXXX when they got the loan from XXXX XXXX XXXX XXXX and never gave us credit for our 3 payments that was sent to XXXX XXXX XXXX XXXX even when XXXX XXXX sent them a copy of the transaction along with a letter stating that the payments was received by XXXX XXXX XXXX XXXX XXXX we never got our credit on the old account and never got our money back from the payments ... Boa also reported that we was over 30 days past due during the Bankruptcy and up till XXXX XXXX when the old loan that they reported on was closed in XXXX XXXX and the new loan was modified XXXX XXXX and that loan should be showing at the credit bureau, we are requesting that we be given back our 3 loan payments since the loan has been closed or that the three payments be place on the modified loan ... and that BOA correct our pay history with the credit bureau.. also how can a loan that never was perfected, be able to be modified ... If needed, I have all my documents to prove everything above.. only my fax is working at this time and if any documents are needed I will be more than happy to fax it.

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 2017-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: LA

Complaint narrative:
On XXXX XXXX I received a notice/ not an actual debt validation letter with proof like contract, signature stating that I owe XXXX to check into cash way back from XXXX XXXX. I have already contacted XXXX to dispute and delete this from my credit report they sent a notice/ bill no contract proven that I gotten this loan ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: CA

Complaint narrative:
I submitted a request to Transunion to remove the Tax liens on my account. They have been paid in full and released for years. I called the WV Compliance division to ask for a withdrawal statement and they told me they have no such form that once the lien was satisfied the copy should be sufficient for them to remove. WV Compliance told me to file a dispute with the credit reporting agency and provide the copy of the release that states the debt has been satisfied pursuant to the WV code. I sent in copies of all such liens and Transunion sent me back that they completed my request and the information was updated. I needed them removed so that it wo n't hender me with employment. Also, I disputed a credit collection for an XXXX bill that we did n't even receive until it was already turned into collection. We moved and did not receive the bill. We paid the bill in full as soon as the collection company showed up on my report but they did not remove it only updated that it was 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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I was unable to freeze my accounts with the link offered by Equifax. There was no way to get it to work, I tried on multiple dates. Help, as time goes by, I am afraid that my accounts will be drained and my social security number used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I made a payment on XXXX XXXX, XXXX to a loan that dispersed on XXXX/XXXX/XXXX. This is within 120 days of the dispersal of the loan. Nelnet applied a portion of my payment to interest on this loan. This happens every semester when I get a bit more than I need on my loan, and I pay back the excess in order to only borrow what we need to borrow. Nelnet consistently tries to cheat us out of some of our money. I have filed 2 previous complaints since I realized that they were doing this, and have been doing it since our first loan was sent to them to be serviced. Every time it happens, I contact them and ask why it has happened, and request that they fix it. They always state that they will fix it, and then they do n't. The last time, they only fixed it once I filed a complaint against them with the CFPB. This time I am being pre-emptive, as I should n't have to follow up with them, after every loan dispersal to make sure that they are doing what is required of them by law. I am attaching a copy of the transcript of my conversation with them today. I do hope that they will follow through, although I will be surprised if they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to access my Experian credit report at experian.com, as I was denied credit due to a false negative item on my credit report. After entering my personal information to access my credit report, I received the error message " We are unable to honor your request. If you entered your credit card information, we did not charge you ''. I had also received the same message several times in the previous year. 
On XX/XX/XXXX, I was able to speak with a representative after several failed attempts to do so. The representative did not have a solution the error problem, but signed me up for an Experian membership which would allow me to access my credit report. Unfortunately, it did not allow me to have full access to my credit report, so I had the representative send a copy to me via US Mail. 
The credit report was delivered today, XX/XX/XXXX. I found the incorrect negative information on the credit report and went back to experian.com to file a dispute. I entered all of my information into the online dispute form, including the Experian issued report number the instructions said were needed to file a dispute.I clicked the submit button only to get a response of the same error I have gotten for the last year : " We are unable to honor your request. If you entered your credit card information, we did not charge you ''. 
It is extremely unfair that Experian has control of individual 's credit histories when their systems are not allowing access to a person 's own credit records, or access to a customer service representative, either online or by telephone without excessive difficulty. My good credit history is being damaged due to incorrect credit information held by Experian, which I am unable to access or correct due to their failures and I need assistance resolving the issue.

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 2017-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: LA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX was placed on my XXXX Credit report 3 times for the amount of {$530.00} each time. I have called the company and requested a debt validation letter and also XXXX XXXX XXXX XXXX XXXX XXXX also sent out a request to have a debt validation letter sent on XXXX which has been 56 days ago I have n't received anything by mail or received any phone calls from this company with the information I requested. I 've also disputed this with XXXX and a fraud alert has been placed on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
This compliant is against XXXX. As an XXXX professional with the federal government it 's my belief that XXXX are knowingly committing fraud against customers. 

I was conducting a transaction to wire funds to my son for school in XXXX XXXX different times prior to calling for assistance. The transactions did not go through with success indicating that I had to call for assistance. When at the select the option page ; credit/debit card or bank account I 'd selected bank account due to the lower cost which was {$25.00} versus {$45.00} for credit/debit card. The bank account information is linked to the account stored. My account is a combined checking/savings as many accounts are. When speaking with the tech assistant he had me walk through all of the steps I 'd previously attempted. At the end I received the same " We 've Encountered An Error '' message. The tech stated that I should contact my financial institution regarding the account. I stated that there 's no problem with the account. The tech told me that I should try it using my credit/debit card. I told the tech that I 'm an IT professional and I 'm aware of what is going on with their system. It 's my belief they have set something on the back-end of their system/servers that intentionally causes this error to occur when a member select a cheaper option allowing them to defraud and take advantage of customers whom may have loved ones in dire need of funds. If they are doing such I would believe this to be a form of wire fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX from XXXX contacted me regarding my complaint I filed with the CBPB. My house was wrongfully foreclosed and I am asking XXXX to rescind the sale. She said she would fully review my loan file. Everyone who has reviewed my loan file has found no wrongdoing, when I know violations have taken place, but they do not care. After I mentioned the denials of my loan modifications her answered was that I had been in default for too long. A closer look at my file would have show the history of me trying to prevent further default. I offered XXXX dollars to partially cure a debt of XXXX dollars back in XX/XX/XXXX. The servicer refused to accept my money instead I was led to believe that I was going to receive a loan modification because I had a pick a payment loan. This did not happen instead I was put into a non-ending loan modification process and then the WFHM blamed the US TREASURE for the loan modification denials as NEGATIVE NET PRESENT VALUE. I COULD NOT APPEAL THE DATA INPUT ON THE XXXX. XXXX  made it sound like it was the fault of the government for not being approved. the investor was WELLS FARGO and under their in house loan modification it did not mentioned anything regarding negative net present value. the XXXX Had to be 31 % or higher and for years until a few weeks ago that I did some tables for some of the loan modification denials I realized that I had 31 % and higher and that I could have been approved, the problem was that my house from my family had equity and it was the equity that made it more beneficial for the investor XXXX XXXX XXXX, XXXX to foreclose than to assist me obtain a loan modification a long time ago. 

In XX/XX/XXXX, the trustee used the XXXX from XX/XX/XXXX which has robo signer and a false declaration of compliance under penalty of perjury and lying to the consumer that they were obeying the law. I was told by XXXX that there was no need to record a new XXXX and they used the old one from XX/XX/XXXXto foreclose my home. WHAT HAPPENED TO THE CALIFORNIA HOMEOWNER 'S BILLS OF RIGHTS. WFHM HAS VIOLATED AND HAS USED THE LAW TO PRETEND THEY ARE OBEYING THE LAWS THAT WERE SET TO PROTECT US. IN THE PAST THE CFPB ONLY has collected data from homeowners, but to this day has not accomplished the prevention of fraud and removing us from our homes when we can afford our payments and we are willing to remain in our homes. I HAD A LOAN FOR XXXX AND A VALUE OF XXXX WHEN I TOOK OVER THE LOAN FROM MY FAMILY. THIS WAS A REFINANCE NO CASH OUT PICK A PAYMENT LOAN. I LOST EQUITY AND MY HEALTH TRYING TO PREVENT THIS WFHM CRIMINAL INTERPRISE FROM TAKING MY HOME FROM ME AND MY CHILDREN. THANK YOU, 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 2017-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I bought blinds through XXXX. I paid for service and goods at time it was rendered. I NEVER applied for financing. Somehow, XXXX applied for the financing anyway, refunded my payment, which I did not notice, and financed the blinds through XXXX. The address on the account was incorrect, I had no idea the account existed, and had a 30 days late notice- which has ruined my credit score. As soon as I pieced this all together - I paid in full, which was my intent originally.

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 2017-09-26 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: PA

Complaint narrative:
I bought blinds through XXXX. I paid for service and goods at time it was rendered. I NEVER applied for financing. Somehow, XXXX applied for the financing anyway, refunded my payment, which I did not notice, and financed the blinds through XXXX. The address on the account was incorrect, I had no idea the account existed, and had a 30 days late notice- which has ruined my credit score. As soon as I pieced this all together - I paid in full, which was my intent originally.

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 2017-09-26 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: CO

Complaint narrative:
Regarding the XXXX 2017 Equifax data breach, and my attempts to mitigate the risk attached with this. There is no reasonable course of action possible for me to offset the risk of the data breach without myself incurring a financial cost. In other words, I as a consumer am being punished financially - not only in the form of potential future identity theft - but also directly in the form of Freezing/Unfreezing fees across the three credit reporting agencies. As a married couple in Colorado, it is completely unacceptable to have to pay {$60.00} any time we want our credit report unfrozen. Anticipating that this will need to be done numerous time throughout our lifetime, this represents a substantial sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied online for Barclaycard Visa with XXXX XXXX card with a {$3000.00} credit line. Status provided at end of application process : " We are reviewing the information you provided. We will contact you within 10 days with an update on your application status. '' The Company never contacted me to convey their decision ( declined ). 

In XXXX, I learned that the application had been declined via www.barclaycardus.com. Status provided at that time : " Unfortunately, we are unable to offer you the Barclaycard Visa with XXXX Rewards. A letter with additional information will be mailed to you within the next 7-10 days. '' I have received no such letter from the Company - or any communication in any form - through XX/XX/XXXX. 

Part and parcel to this transaction, the Company : A ) failed to communicate the results of their credit decision within 10 days ; and B ) failed to send a letter explaining why the application was declined. I believe this is in violation of the Equal Credit Opportunity Act. 

I appreciate the CFPB 's assistance in resolving this matter. 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