vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand to see V erifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof , you must remove the accounts listed below.I demand the following account be verified or removed :  XXXX   XXXX    XXXX   #   XXXX    XXXX  : Unverified account Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I demand t o see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verif iable proof, you must remove the accounts listed below.I demand the following account be verified or removed :  XXXX   XXXX    XXXX   #  XXXX   XXXX  : Unverified account Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  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 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I demand to see Verifiable Proof (  an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must re move the accounts listed below.      XXXX   XXXX  LOANS #  XXXX  : Unverified account  XXXX   XXXX   XXXX  #  XXXX  : Unverified account   XXXX   #  XXXX  : I have never paid late   XXXX   XXXX   XXXX   #  XXXX  : I have never paid late  XXXX /  XXXX   XXXX   XXXX  : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  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 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX # XXXX : Unverified account XXXX XXXX XXXX # XXXX : Unverified account XXXX # XXXX : I have never paid late XXXX XXXX XXXX # XXXX : I have never paid late XXXX/ XXXX XXXX XXXX : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX # XXXX : Unverified account XXXX XXXX XXXX # XXXX : Unverified account XXXX # XXXX : I have never paid late XXXX XXXX XXXX # XXXX : I have never paid late XXXX/ XXXX XXXX XXXX : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2017-06-13 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: AES/PHEAA
State: TX

Complaint narrative:
For account  XXXX   XXXX   XXXX  I submitted timely all documentation to perform my annual recertification  for REPAYE , but FedLoan has refused  to process the paperwork. Instead they billed my closed bank account without my approval multiple times for over a  XXXX  dollars. I have lost at least  one  month of timely payment while working in the   XXXX   XXXX  , and they have confirmed that no one has even begun to work on my request nearly a month after submitting it. I reached out to the servicer multiple times, including their office of consumer advocacy, but they do nothing for me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
In  XXXX     2017 my   Company b egan a student loan repayment program, designed to help employees pay off their student loans. These payments are approved through a third party vendor, and require approvals through submission of paperwork and eligibility. In  XXXX   2017 I w as approved and my Company began sending {$100.00} checks t o Discover Student Loans to aid in paying off my loans. I have an auto debit payment schedule with Discover. Prior to entrance into this program, I contacted Discover and explained to them the situation and that a third party vendor would be making payments on top of my current monthly payments. I requested to not have any additional money received to count towards my expected payment amount. Discover has refused to pr operly apply my additional payments, and instead consistently apply them to future due balances, effectively delaying how soon I can pay off my loans and lowering the amounts pulled automatically from my account. I contacted them when I noticed this error, asked to have it corrected, and that any future money received from a third party vendor to be applied directly to principal balance. Since then they have continued to apply my payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Since last year 2016 someone was using my best buy credit card, I called best buy and they fixed so i closed that credit card and they sent me a new one and the next month i received a bill from them that i owe them and i never activate my new card so i call again to best buy and told them about the situation so they fixed it and sent me a letter that was a fraud so i decided to close the last credit card and i never open a new credit card. and again i received a new bill from best buy so it was 3rd time that they were doing fraud and every time i called them they said do n't worry everything is taking care. so the last fraud { 4th time } i had couple days ago and i had to call XXXX to let them know that i 'm a victim of fraud because Best Buy ruined my credit score .I HATE BEST BUY. They did 4 times and every time i called them, they said everything is taking care and i hope this the last time that they are doing this to me.

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 2017-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
They ( Synchrony Bank  - Amazon Credit )  call multiple times per day 7 days a week. Sometimes calling more than once in the same hour. They have never left a voicemail. The calls are so intimidating, I do n't even want to answer the phone to discuss my account with them.

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 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My loa n is   XXXX   XXXX   o wned. my home mortgage is serviced by Ditech. i have countless issues with Ditech and their practices. i applied for a streamline refinance with Ditech. was told over phone by loan processor i have eligibility that is to expire soon. but received letter on  XXXX / XXXX /   2017  Ditech denied application, refuses to return phone calls. i have left countless messages with my loan processor. no response, no explanations given. very un satisfied. Ditech is not practicing under the rules and guidelines set by   XXXX   XXXX  . my application for streamline refinance was unlawfully denied. Ditech does not adhere to laws, guidelines, nor regulations set forth by federal laws or state laws. Ditech Services is inadequate and of no benefit to its costumers. Ditech business practices is harmful to homeowners and destructive to the industry. Ditech has violated my homeowners rights and is not adhering to housing regulations laws. Ditech has not followed   XXXX   XXXX   guidelines. Ditech mortgage needs to be investigated and licences revoked for deceptive fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: CORELOGIC INC
State: MD

Complaint narrative:
Corelogic/Credco is a third party reporting agency that I never heard of until I was denied credit. My prospective Mortgage lender called me and advised my loan was denied due to information received from Credco including a  XXXX   XXXX   XXXX   XXXX  that was deleted from my credit reports more than 90 days prior ( see attached ).     Between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,  2017  Credco has  XXXX  inquiries on my credit report, and each report provided to their paid clients includes erroneous data that resulted in the denial of my mortgage loan. The inquiries will stay on my credit report for 2 year and deter creditors from providing me credit. Once the data is updated in Credco   and I have to reapply, I will be hit with a new inquiry. Credco has adversely affected my credit score, and delayed my housing search by providing inaccurate data. Their clients pay for their data and it should be held accountable for it.
I was not informed until my credit had already been pulled 6 times about the existence of Credco and it 's role in my credit denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: SC

Complaint narrative:
I received iv er 10 calls per day for thr past 30 plus days from Kay Jewlers attemping to collect a debt, in which I have not received written notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
The two companies that are involved are XXXX XXXX XXXX, representing XXXX XXXX, which took place on XX/XX/XXXX,  where they are claiming that I owe them {$25.00} for medical services rendered on their behalf. The other company is XXXX XXXX XXXX, who are representing XXXX XXXX XXXX XXXX. Claiming that I have an open, owed account in the amount of {$2100.00} for medical procedures which apparently began on XX/XX/XXXX, for medical procedures provided me. Both are claiming that these are individual accounts that I am responsible for. However, I never received any treatments from either facility without first full approval from XXXX ( state funded medical care. ) Any time I needed any procedures performed, XXXX had to be first notified for approval especially considering my physical and financial situation and no medical procedures were performed or given without their written guarantee of payment for each and every medical procedure. I also had to have prior authorization from my XXXX XXXX XXXX as well as my XXXX to be certain that no treatments would interfere with medications being taken at that time, prescribed by them both, as I am under both their care for serious deteriorating conditions. I had n't even any idea that XXXX XXXX was claiming that I owed for medical procedures as I was never contacted. Not by mail or by phone. I do n't even remember the year that I was called by XXXX XXXX XXXX XXXX, whether it was XX/XX/XXXX or XX/XX/XXXX. The only time I had ever been  contacted was by phone when we discussed that XXXX had pre-approved any and all procedures that I had received. Since I never heard back from them I assumed that the matter was cleared up. It was n't until I checked my credit on XXXX, in XX/XX/XXXX that I even knew there was an open account with a collection agency in my name. <P/>1st collection agency info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX 2nd collection agency info : Works and Lentz XXXX XXXX XXXX XXXX XXXX, OK 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 2017-06-13 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: AZ

Complaint narrative:
I have  XXXX  open disputes wire Equifax  1.  Dispute number  XXXX  submitted this redispute online late at night on  XXXX / XXXX / XXXX  which Equifax has listed as  XXXX / XXXX / XXXX  which is ok but today is  XXXX / XXXX / XXXX  and this still shows as pending and it is over 30 days I have disputed and redisputed these item s - 1.   XXXX   XXXX    XXXX   inc.  XXXX  original creditor  XXXX   XXXX . We called   XXXX   XXXX   XXXX   XXXX   and gave them both my and my husbands social security numbers they have no records of us never have and they said there is nothing they can do for us. We moved out of  XXXX    XXXX    XXXX   XXXX  and we owed nothing in fact we got our deposit back. We called them and they said the company was sold in  XXXX  and they have no prior records.  XXXX   XXXX    XXXX   is from original creditor  XXXX   XXXX  it is a medical debt. I went in for my yearly well check which is covered at 100 % by my insurance no copay at all. I called the office years ago about that and told them that my insurance says I pay zero for a well checkup. I moved twice since that time and I thought that they understood and were going to correct the bill to zero. I called the collection department when I saw this was on my report and they sent me what they said is proof that I owe them the doctor charged the insurance company for  XXXX  office visits at the same time so for the second charge they billed as a visit with problems which does have a  XXXX  copay. But that billing of the insurance for  XXXX  visits at  XXXX  time as if I had a well checkup and a problem visit was a lie. I was seen by the doctor very quickly had the well check talked and laughed just a very short time and then I was out of there. They added  XXXX  fee to the  XXXX  copay that never should have been charged. I paid them the now  XXXX  charge because we are planning on buying a house and they told me it is my fault I owe the money because I waited to o l9ng to con test it.    2. Disp ute  XXXX  was disputed and redisputed over and over. We lived and worked and paid our State taxes to  XXXX  in the years from  XXXX  to  XXXX / XXXX / XXXX . The state of  XXXX  filed tax liens against us for the years  XXXX   XXXX  and  XXXX . We proved to the  State o f   XXXX   and the credit reporting agencies I sent in the null and void letters that we finally got from the  State  of   XXXX    (  after fighting with them and proving that we never owed these over and over for years. The letters from the   XXXX    Department  of Taxation says that the tax liens were filed in error never should have been done. Equifax still has not deleted these even though the proof was uploaded to them online and tomorrow will be 30 days on this redispute, which has been disputed over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased a authentic  XXXX   XXXX  on  XXXX   XXXX  and when it arrived I asked my friend who inspects bags to see if they 're authentic or not and he said the bag I have purchased is not authentic. So then I contacted the seller to see if he had proof showing that the bag is real, he responded and said yes that he 'll send proof but he never did, so then I contacte d PayPal and opened a dispute with the seller, after that the seller responded and said that I received what I purchased so PayPal ended the case in his favor, then I appealed it and I lost again so I reappealed the case and it was ended in his favor again. Also the seller never told me that the bags zipper has thread comming out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal Credit Union, a bank that takes pride in claiming to take care of its service members. This is not the case whatsoever. They charge ridiculous amounts of banking fees, and delay processing any financial information such as deposits, linking accounts, etc. I have paid more in banking fees than ever expected after a fraud claim. The bank has done nothing to help but put me  XXXX  negative. Another paycheck gone to this bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a checking and saving account in Bank of America since  XXXX .I used to deposit my friends and family members checks as a third party check in my same account and every thing was fine and I did n't received any letter from bank that I can not deposit third party checks in my account until  XXXX    XXXX   when I deposited some of my family members checks in my account .Bank of Am erica closed my accounts and they se nt me a letter that Bank will re turn my m oney because I provide the notarized statement from all those people whom checks I deposited ( copies attached ) as a third party check .After tha t the Bank of America regulatory team sent me a letter saying that the Bank Can not return my money and they have sent the money to IRS and they provide me the copy of the cashiers check that was sent to IRS and I was told to contact the IRS to get back my funds .I contacted the IRS and provided them the Bank of America letter along with the copies of the checks that I deposited in my account and I also sent them the notarized letters from each individual whom checks I deposited in my account ( copies attached ) .Now I received a letter from IRS that I have to ask my funds from Bank of America .I tried to contact Bank of America regulatory team to solve my problem but they  are not responding to my calls I left them messages but they are not responding to my request I am a low income minority and i am facing a lot of financial problems

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