vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted  XXXX   XX/XX/XXXX  by online for inquiry removal where in which I have no contract with these entities listed on my report :   XXXX   XXXX    XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX  EACH COMPANY STATES THE WILL NOT REMOVE INQUIRY BASED ON POSTING IN REPORTS AND SINCE NO AGREEMENT POSTS OR IDENTIFY AS ACTUAL ACCOUNTS ON REPORTS IT IS NOT THEIR FAULT. I REQUESTED TO ALL REMOVED ON THE FACT THEIR ARE NO AGREEMENTS MADE TO POST AND TO PULL MY CREDIT WITHOUT CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Comerica
State: TX

Complaint narrative:
XXXX   XXXX   ACCOUNT ... COMERICA BANK DOES N'T SEND UPDATES FOR MY ACCOUNT IN A TIMELY FASHION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells fargo doesnt send updates to an app i use.   XXXX   XXXX   app.

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 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I have XXXX XXXX full access to my account. They have verified me via checking account and debit card. Bank of America was supposed to report my recent transactions so XXXX XXXX can calculate my max out to reborrow until next pay day. I contacted BOA XX/XX/XXXX - let the rep know I approve XXXX XXXX, and they are trying to get info so I can receive more funds. XX/XX/XXXX - my light bill was supposed to draft from my account via bill pay services BUT because BOA did not report to XXXX XXXX as requested the bill pay did not go through. In return my lights will be cut off XX/XX/XXXX when I called to try and get help AGAIN from BOA they gave no help at all!! And the thing that upsets me the most is they acted as if they did not care my account was going to overdraft and/or my LIGHTS a very important thing ( as well as XXXX and gym membership ) will not be Paid. Or my account will have many overdraft fees. To put the icing on the cake ; BOA had an online promo at time of application to open my account. The promotion read : " {$300.00} bonus when you deposit {$4000.00} within 90days of opening account, once meet {$300.00} credit will be funded to my account within 1 billing cycle. '' BOA is now telling me that promotion is not on my account. I was choosing between XXXX XXXX and BOA the ONLY reason I chose BOA, a non-local bank, is because of their promotion. I reached $ 4000+ deposit on XX/XX/XXXX Please help me in solving these problems. <P/>Thanks in Avdance!!!

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 2017-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: AZ

Complaint narrative:
Predatory lending practices, deceitful, fraudulent. Interest drained to keep you in debt for life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian credit bureau has been reporting inaccurate information. I have reached out to them and the creditor  XXXX   XXXX . This account is very embarrassing and has caused me miles of  XXXX . The account is reporting neg. and late in which I have paid the account off in full. I am aware that if all of the information is not reported correctly then this account needs to be 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 2017-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: AZ

Complaint narrative:
Predatory lending practices, deceitful, fraudulent. Interest designed to keep you in debt for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
1.We obtained a loan modification under the MHAA. We had continued to make every mortgage payment due. Our mortgage was purchased by Nationstar, XXXX, TX. 2. We filed for bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. We continued to make our payments and were credited {$1000.00} principal payments for three years as a loan modification payment incentive. 3.In early XX/XX/XXXX, we were informed our payment would increase and I contacted Nationstar to discuss a refinance. I was told our mortgage was in default and had been since XX/XX/XXXX. 4. I learned our payment amount had increased in XX/XX/XXXX but WE HAD NOT BEEN NOTIFIED OF THE INCREASE ( even though our bankruptcy had been discharged and we received other correspondence from Nationstar at our address of 27 years ). Because I did not pay the new payment amount, Nationstar claims we had " missed '' the XX/XX/XXXX payment and had been delinquent every month since then. Also, WE RECEIVED NO NOTICE THAT OUR PAYMENTS WERE DELINQUENT. 5. This caused us to be denied our incentive of two years ' {$1000.00} principal reduction payments and caused our payment history to appear atrocious. 6. I requested the company age the payments current, notify the credit reporting agencies and apply two {$1000.00} principal reductions. Nationstar acknowledged they had not notified us of the increase but denied responsibility for the resulting payment shortages which they classified as delinquencies and they refused to remedy the damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have numerous inquiries on my XXXX Consumer report dated XX/XX/XXXX and XX/XX/XXXX from multiple car finance companies. I have contacted XXXX numerous times and informed them that I did not authorize these inquiries. My last point of contact was today XX/XX/XXXX. I spoke to 3 different representatives on different phone calls. I was told to call the car dealership that ran the inquiries. I tried to contact that company which is XXXX XXXX XXXX in XXXX NC but it no longer exists. However I was able to speak to a nice lady that works in the credit department for that company as well as the sister companies which are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The representative looked into all of their systems and said that she could not find any information on me in order to have the inquiries deleted. She advised me to call XXXX back or to send them a letter disputing the unauthorized inquiries. I called XXXX AGAIN, was unsuccessful. I was told that they could not delete the inquiries and that the car dealerships would need to send a request to delete to XXXX. I 'm stuck in between a rock in a hard place because it seems that I 'm being ran in circles. The confirmation number given to me by XXXX is 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 2017-06-17 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I pay for credit report access from  XXXX . They reported my score as  XXXX . I requested a loan and they reported an experian score of  XXXX . My bank offers free credit score information. It said my  XXXX   XXXX  score was  XXXX , Equifax  XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pay for credit report access from  XXXX . They reported my score as  XXXX . I requested a loan and they reported an   XXXX   score of  XXXX . My bank offers free  credit score information. It said my Trans Union score w as  XXXX ,  XXXX   XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.

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 2017-06-17 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pay for credit report access from Experian. They reported my score as  XXXX . I requested a loan and they reported an experian score of  XXXX . My bank offers free  credit score inf ormation. It said my  XXXX   XXXX  score was  XXXX ,  XXXX   XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.

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 2017-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I have a  VA Home loan with Popular mortgag e. My property did not paid property taxes on prior years, because I had to wait until the appraisal was made by the Municipality were the house is located. Last year on  XX/XX/XXXX  the house appraisal was completed, it took almost 6 years. On  XX/XX/XXXX  I received an invoice by the government office (  XXXX  ), I visited their office and requested the aplicable exonerations, the resolution was that my house was exempt, they told me that I had to wait until everything was processed. On  XX/XX/XXXX , when printing form  XXXX  to pay my taxes I realized that in  XX/XX/XXXX they paid  XXXX  in property taxes without issuing me a proper notification. I called Popular Mortgage and they told me to fax them the exoneration documents. After that I called to see if the documents were received and I asked if my mortgage was not increase were the payment came from, they told me to wait and later they told me that there were two payments issued on tax property that I had to wait until my loan was analyzed on  XX/XX/XXXX . I called again and I was advised to request a refund. On  XX/XX/XXXX  I received a letter dated  XX/XX/XXXX , which indicates that my loan will increase from {$1000.00} to {$1300.00}, they paid a total amount of {$1300.00} in property taxes. I requested the refund to the government office ( (  XXXX  ) and I was told that this might take 14 months. Due PR fiscal situation there is a possibility I might not see this money, so I can repay back the bank, but since they make payment to this government entity every month maybe they can make the adjustment or contact them directly. I am in the middle of this situation, however I was not notified by the bank that they were making a first payment in  XX/XX/XXXX , this situation could be prevented with I call and I would have notified them by that time that I was exempt and that paper requesting exemptions were timely being submitted.

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 2017-06-17 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Today I went to check my credit score on XXXX XXXX and there 's an account to called XXXX/Cbna and  Internet said it 's best buy I called and they have no record of me on there. On credit XXXX says limit of XXXX and XXXX is used and account ends in XXXX. I do n't know what this is because I have no card of a limit of XXXX. Can someone please help me understand this and is this fraud?

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 2017-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: ID

Complaint narrative:
I had an account with XXXX for internet services While living in my RV at an RV resort during my move from one state to another. I moved the RV to family estate property and contacted XXXX about the move and asked to transfer services to the new living area. I continued to pay on the account as usual without fail and on time. Then XXXX tells me I owe and an account was delinquent. We ( XXXX and I ) on a phone conversation discover that XXXX created a second account instead of transferring the already existing account to the new town I moved to. Not my fault, not my error. Due to the mishandling of account and poor service quality I terminated my business with XXXX. The one account was paid in full and there was no issue there but XXXX put the account they erroneously made into collections. An account I never used nor had knowledge of. They then wrote off the account and sold it to debt collectors. Not ONE but TWO. XXXX XXXX and ERC ( enhanced recovery company? ) Both reported the negative information on my credit report AND for different amounts. {$120.00} for ERC and {$160.00} for XXXX. I disputed them when I discovered them and the credit burrows had it removed as it was duplicate. That was XX/XX/XXXX. On this day XX/XX/XXXX I get a letter from ERC now asking for {$590.00} or they will report it AGAIN on the credit report. <P/>If XXXX wrote it off and sold it to a debt collector why are there two collectors reporting different amounts and how can a debt collector report a bogus claim multiple times? <P/>What is going on here? How is this kind of extortion allowed to take place? How can one item be allowed to be reported multiple times? As a 23yr XXXX XXXX veteran this is what I worked for? So a company that created an error can tell me to pay for a service not used under an account I never knew existed and then it gets reported to multiple debt collectors which in turn hit my credit report multiple times for the exact same thing that should n't exist in the first place?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
I had a car title loan wi th Springleaf Financial  on a  XXXX   XXXX   XXXX  in 2013. I lost my job and was unable to make the payments. They took my car and my account was turned over to a company called  XXXX  ,  XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted Springleaf that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent Springleaf ( to the address on my credit report )  2  letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
The account is invalid and I communicated that to the debt collection agency over 3 years ago. They were unable to provide any documentation to support the claim that {$2000.00} was owed. My medical insurance company XXXX paid the XXXX bill in full, and continued to be billed after services were completed. <P/>Fidelity Creditor Service filed a lawsuit against me. Failed to ever serve me, however filed a false proof of service in XX/XX/XXXX. A summary judgement was issued against me in XX/XX/XXXX. I was not notified of any of the proceedings. <P/>I received a garnishment letter from my employer on XX/XX/XXXX. This is the first time I was made aware of any lawsuit or judgement being filed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX   XXXX  requested my score from  XXXX  bureaus. The reporting agency was Equifax.   Equifax  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  reported a  XXXX   Score  of  XXXX  I pay Experian for my monthly score, they reported  XXXX   XXXX   XXXX   XXXX  reported  XXXX  Why is it that when I request a loan, the scores are significantly lower than the scores that are made available to me otherwise?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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: AES/PHEAA
State: TX

Complaint narrative:
I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently paid off and some were consolidated, but the negative accounts that have been reported are hurting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Contacted me regarding a debt was  XXXX   XXXX   XXXX . When I advised that it was under dispute with the NYS Attorney General a nd Consumer Protection, they  advised me that it was not their problem and to pay up. They have since called multiple times per day and will not honor requests for a cease and desist.  <P/> They have been increasing rude and crude. Original creditor has no interest in dealing with it either they just keep referring to them and advised me they do not have to cooperate with state folks. These phone calls have bordered on harassment.

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 2017-06-17 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX   XXXX  requested my score from  XXXX  bureaus. The reporting agency was  XXXX .    XXXX   XXXX  Experian  XXXX  Experian  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  reported a  XXXX  Score of  XXXX  I pay Experian for my monthly score, they reported  XXXX    XXXX   XXXX   XXXX   XXXX  reported  XXXX  Why is it that when I request a loan, the scores are significantly lower than the scores that are made available to me otherwise?

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 2017-06-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have credit inquiries on my Equifax file. Which i do n't recognize. Also have letter from bank stating they will be removed. Sent them to Equifax few times as well as certified mail. been 9 months and they still there. Equifax is not following any federal guidelines

Company response to consumer: Closed with explanation