vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was talked into a card I didn't need.It had perks such as a hat, tote bag and a discount.XXXX XXXX XXXX card issued by XXXX XXXX XXXX.Made a {$52.00} XX/XX/XXXX and did not receive a bill for quite a while.First bill arrived with a {$27.00} late fee.I attempted to pay the card but mu account information was not recognized.On XX/XX/18 I called and talked at length with a rep and tried to pay the balance and get the late fee expunged.XX/XX/18 a confirmation number of XXXX was assigned.Next bill came with additional {$38.00} late fee.At this point I couldn't believe this was happening and emailed them concerning the oversight, ( Picture of email attached ). Now the charge is {$53.00}, {$80.00} and $ XXXX.I am a senior citizen who has strived to maintain an excellent credit score all of my working life.On XX/XX/18 I paid the full amount {$91.00} because nothing else was working.At that point I sent an email ( attached ) to XXXX 's customer service so they would know what was happening with the card.Apparently my credit score has taken a big hit due to this unethical business practice of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a customer with capital one for 3 years.. And I have been paying on time. But I got behind on my account because I lost my job and had a baby. I wrote a letter to then explaining that. They checked my credit, which I didn't know was going to happen.. and drop my score down 30 points. Then I received a letter stating that they can't remove the late payments. I really think that sucks.. I have been paying my account on time each month. All I ask is for a little help to get my credit score cleared. I messed up and I'm sorry. I trying to make a better life for my family. I want to buy a house and those late payments are holding me back. Please please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a unverified account on my credit report from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the account responsibly. However during that term I managed to acquire some alleged negative credit items with FICO. Eventually I look forward to the correct status of this inaccurate account and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a mortgage with Chase for an investment property. When I obtained the mortgage, I was being charged a PMI. Since XX/XX/2016, the value of the investment property has appreciated and the flooring in the bedroom has been replaced as well as the painting. 

Per my mortgage documents, I can request PMI cancellation upon the LTV falling below 78 %. When I Inquired Chase on this matter, they indicated that I can only request PMI cancellation when LTV falls below 65 %. This goes against my mortgage documents. I would like help resolving this matter. 

Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I send my mortgage payment the first or fourth of the month. My mortgage is handled by Flagstar Bank. I asked them why there is a delay in crediting my payment most times the XXXX of the month or later. I also wanted to pay by phone, but was told I had to pay a fee of XXXX dollars. I pay mostly by phone to my home bills and only one bill requires a fee of XXXX  dollar and XXXX cents. I have called them repeatly and spoke to different agents to ask if the fee can be waived and always got a negative answer. They suggest aoto debit or payment on computer site, for which there is no fee. I would like to pay my first of the month bills by phone so as not to forget the dates due. I am a vet. and XXXX XXXX years old so my memory is not how I would like it to be. If this a legal requirement all banks have, then I am satisfied, if not, perhaps this Bureau can garner some help for me. If not, I thank you for all things possible.

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 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to my recent credit report request from EXPERIAN there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of  the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX XXXX/XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX XXXX/XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX  XXXX XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX  XXXX XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED

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 2019-01-07 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: FL

Complaint narrative:
Every time I apply for a credit account with XXXX XXXX ( XXXX ) I get denied because Experian sends them information that I have an " unsatisfactory payment history ''. 

I have never been late in my life and no late payments are reflected on my 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 non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: KS

Complaint narrative:
I sent a professional letter on XX/XX/XXXX.The only response I've received from them was a sample letter, including the loan application and bill for payment. I've also called three times and left messages with no response. The only time I did talk to someone, they were extremely rude and still would not answer any of my questions. However, they are still negatively report on my report. Below is a copy of my letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KS XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX To Whom It My Concern : I am writing today concerning derogatory reports on my credit report. According to my credit report ; one account in is the amount of {$2500.00}, and was opened on XX/XX/XXXX. The other is in the amount of {$980.00} and was opened on XX/XX/XXXX. The latter was five years ago! I am concerned with these reports for several reasons. First, there should be only one account for XXXX XXXX, opened in XX/XX/XXXX/XX/XX/XXXX. Why are there two accounts, four years apart? Second, the one account should have been written off as part of my bankruptcy back in XX/XX/XXXX. Therefore, there should be NO account from XXXX XXXX still on my credit report. Furthermore, when the other account was opened in XX/XX/XXXX, why was I never contacted? My phone number has not changed and my address has been forwarded. I could have cleared up this mater a year ago! These derogatory reports are preventing me from obtaining a first home owners loan, even though my credit score and other accounts are in good standing. I would like both these XXXX XXXX accounts to be removed from my report immediately! If you refuse to do so, I will be happy to inform present and future clients just how XXXX XXXX and Ad Astra Recovery Services regard their clients. Apparently, customer service is not important to you. If I need to file a report with the XXXX XXXX XXXX also, I will do so. Thank you for your time. I am looking forward to your response before XX/XX/XXXX. 


Sincerely, XXXX XXXX CC : XXXX XXXX Corporate Office

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: IL

Complaint narrative:
After sending information to verify myself with my disputes, Equifax, XXXX, & XXXX have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MN

Complaint narrative:
XXXX managing XXXX student loan XXXX reported delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This loan is in deferment as student is back in school fulltime and has been in deferment since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: OH

Complaint narrative:
I have a unverified account on my credit report from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the account responsibly. However during that term I managed to acquire some alleged negative credit items with FICO. Eventually I look forward to the correct status of this inaccurate account and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.

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 2019-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/2018, HSBC bank send me a letter with the information that they will transfer the subservicing of my Home Line Of Credit Mortgage to XXXX XXXX, XXXX ( XXXX ) on XX/XX/2018. What means tha XXXX will perform all services related to my loan after XX/XX/2018. also the letter said that the only change will be where I send my monthly payments, that the transfer does not affect any of the terms or conditions of my original loan agreement. 
On XX/XX/2018 Statement with a monthly payment of {$1500.00} wish is almost 3 time the original agreement of {$530.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching a copy of the request that I sent to Equifax and XXXX XXXX on XX/XX/2018. In the letter, I requested that the two agencies request errors on my credit report. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: TX

Complaint narrative:
It appears that I was not permitted to access my account because I asked for clarification of my credit score with Experian. On XX/XX/XXXX, I sent a request to Experian asking for clarification of their credit score because the score they provided my wife and me was approximately 50 points below that of other ratings, although all the ratings were high. Immediately afterwards I was not able to login to my account with Experien. Experian continued to send me notices that my account was being updated but I was still unable to login to my account although I was being charged for the account. I sent other email requests for assistance, none was given. Today XX/XX/XXXX, I talked with their customer support after holding for over an hour, then was transferred to their membership support and waited another hour on hold. I was told they had no answer as to why I could not login to my account but that I could cancel my previous account ( one I have had for approximately a decade ), and open a new account. They would cancel my old account. I asked that my old account be cancelled and they send me information about a new account, and they said they could not send me information about a new account. I asked to talk with a supervisor and waited on hold for nearly half an hour. She indicated they were moving to a new system but that should not have affected my account since I had not been moved as yet. I asked to offer a formal complaint about their services and she apparently took that down but when I asked would I receive a response, she did not indicate anything. For me this is the poorest customer service I have ever received, particularly for a long-standing client who was paying for the service with an automatic withdrawal. I hope you will look into their practices since Experian seems out of step with other credit ratings ( XXXX XXXX and XXXX XXXX ) while Experian was XXXX or so over several years. I am retired, have no debt, and receive a decent income from retirement sources and rental property. It appears that I was not permitted to access my account because I asked for clarification of my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I was a trustee at PNC bank an had business with this company, the location of this was XXXX XXXX, I have loss my power of doing business with this bank, I came to the bank an spoke to one of the clerk there an waiting for response from the bank clerk, the banker want my, ( SSN ) social security number, I had went down the block already why I told the teller about problem in business I had, my private info I have to e-mail to the teller.Correct address to bank is, XXXX XXXX XXXX, XXXX, KY XXXX.Seeking a support system have police report at XXXX metro police department , an have asked for other report that have been denied by these officer trying to talk to XXXX integrity unit around XXXX, an the officials there, this is ask the expert, I have open other bank to this is the more reason encounter of where is my account.

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, XXXX, XXXX, & Transunion have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.

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 2019-01-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, XXXX, Experian, & XXXX have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.

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 2019-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
I sent a professional letter on XX/XX/XXXX.The only response I've received from them was a sample letter, including the loan application and bill for payment. I've also called three times and left messages with no response. The only time I did talk to someone, they were extremely rude and still would not answer any of my questions. However, they are still negatively report on my report. Below is a copy of my letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX ORIGINAL CREDITOR : SPEEDY CASH To Whom It My Concern : I am writing today concerning derogatory reports on my credit report. According to my credit report ; one account in is the amount of {$2500.00}, and was opened on XX/XX/XXXX. The other is in the amount of {$980.00} and was opened on XX/XX/XXXX. The latter was five years ago! I am concerned with these reports for several reasons. First, there should be only one account for Speedy Cash, opened in XX/XX/XXXX. Why are there two accounts, four years apart? Second, the one account should have been written off as part of my bankruptcy back in XX/XX/XXXX. Therefore, there should be NO account from Speedy Cash still on my credit report. Furthermore, when the other account was opened in XX/XX/XXXX, why was I never contacted? My phone number has not changed and my address has been forwarded. I could have cleared up this mater a year ago! These derogatory reports are preventing me from obtaining a first home owners loan, even though my credit score and other accounts are in good standing. I would like both these Speedy Cash accounts to be removed from my report immediately! If you refuse to do so, I will be happy to inform present and future clients just how Speedy Cash and XXXX XXXX XXXX XXXX regard their clients. Apparently, customer service is not important to you. If I need to file a report with the XXXX XXXX XXXX also, I will do so. Thank you for your time. I am looking forward to your response before XX/XX/XXXX.

Sincerely, XXXX XXXX CC : Speedy Cash Corporate Office

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am attaching a copy of the request that I sent to XXXX and Trans Union on XX/XX/2018. In the letter, I requested that the two agencies request errors on my credit report. They were supposed to respond within 30 days, but they have not.

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