vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had passed away, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.

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 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had passed away, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had XXXX XXXX, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.

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 2017-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The company of XXXX XXXX XXXX ( XXXX XXXX has repeatedly contacted me in regards to a Debt owed by a XXXX ( XXXX? ) XXXX. I have attempted to inform them that I am not XXXX XXXX on several occasions and have requested to have my number removed from their files. Each time I tell them that they have a wrong number they get verbally abusive and profane. Additionally, they have informed me of who XXXX XXXX 's creditor is ( Chase Credit Card ) and the amount of the debt ( $ XXXX ) and then used a threatening tactic of stating that they are going to file a lawsuit against me unless they get their money. I have had my number for 14 years. I do not know XXXX XXXX, do not know how to contact XXXX XXXX, and have never had contact with XXXX XXXX as far as I am aware. Further, this is a business number and their repeated calls are impacting my business in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I am unaware of this debt, it states on my credit that the open date was XX/2014 I do n't know of this debt no knowledge of it, Ive written and called this company they can not find information one moment then states they found it and will send verification nothing was recieved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aqua Finance, Inc.
State: DC

Complaint narrative:
The Complaint is against : Aqua Finance Inc XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, 2017, Balance {$8300.00} Monthly payment {$270.00}.
As of XXXX 2017 develop finance hardship and was able to join a company to consolidate my bills. However, the above company refuse to participate with the consolidation process. With advise through my bank this was the only option best for me at this time. Once the process begin, the above company was not willing to make the adjustments with the new company terms and agreement payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: LA

Complaint narrative:
I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Equifax is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth Finance has duplicate accounts in the collection on my credit score for the amount of {$700.00} on XXXX XXXX, 2017. They also have another collection in the amount of {$470.00}, on XXXX XXXX, 2017. I feel this is one account that they have reported has inaccuracies causing me to have 3 accounts in total- which is based off a singular debt. Which has effectively given me duplicate derogatory marks on my credit, off of one debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I applied for private student loans through Wells Fargo. Throughout the years I have accumulated over 100,000 in student loan debt. My parents were co-signers on all of these loans. My parents have a combined income of XXXX. My dad 's credit score is XXXX  and my mom 's is XXXX. Recently, I applied to refinance my student loans because my current monthly repayment plan is {$1200.00}. Wells Fargo denied my application to refinance, even with my parents as co-signers. My parents ' income and credit score has not decreased since my initial application to obtain all of my student loans. Why did Wells Fargo deny my application to refinance in order to obtain a reduced monthly payment plan when my parents ' credit score has not decreased from XXXX and XXXX? My parents and I are XXXX and I believe that Wells Fargo is trying to take advantage of that. This company is notorious for scamming their consumers and I really want to fight the denial to refinance my student loans.

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 2017-08-15 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: TN

Complaint narrative:
problem : all of the above. failure to remove slander ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints. allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX/XXXX ). showing outdated debts ( 10 years back ) and refusing to remove them. failure to respond to legal notices sent certified mail to all 3 bureaus. refusing certified mail. failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law. posting information from unknown sources and not from XXXX co courthouse about illegal eviction when complex remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ). refusal to sync accounts with other bureaus data as per deletions. refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.

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 2017-08-15 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: LEXISNEXIS
State: TN

Complaint narrative:
problem : all of the above.
failure to remove XXXX ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints.
allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX/XXXX ).
showing outdated debts ( 10 years back ) and refusing to remove them.
failure to respond to legal notices sent certified mail to all 3 bureaus.
refusing certified mail.
failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law.
posting information from unknown sources and not from XXXX XXXX courthouse about illegal eviction when XXXX remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ).
refusal to sync accounts with other bureaus data as per deletions.
refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity bank notified me that my XXXX account would be closed due to the XXXX acquisition. However, when I called to confirm this information I was told yes ALL XXXX accounts will be closed. When I pointed out that my husbands XXXX account would remain open after the acquisition, I was then told it is because their terms say " we can close your account for any reason at any time. '' This is an unfair practice with no justification. If one account can remain open after the acquisition then why must mine be closed. This will have a severely negative impact on my credit score and I have been give no real reason that my account will be closed on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
On XX/XX/17, I accidentally sent Citi Mortgage a {$620.00} payment, right before closing on XX/XX/17. I called CitiMortgage, who advised that the {$620.00} was rolled into Escrow, but my online account does not state this. I just received a breakdown of my escrow payments. It reads that on XX/XX/17, {$900.00} went into my escrow account, but does not break it down and state that it includes the {$620.00}.

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 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a total of 6 accounts with Bank of America and have been a customer for over 10 years. On Tuesday XXXX XXXX, 2017, at  approximately XXXX, I was in XXXX getting groceries, household items, and the last of my kids school supplies. When I inserted my card for payment, my card declined. I contacted Bank of America, where I was informed that all of my accounts are frozen and that it would be approximately 2 weeks before I receive cashiers checks in the mail. I have NO cash or access to any of my funds. What 's heartbreaking is that I 'm the mother of XXXX children, XXXX of which will be turning XXXX on XXXX. She is an AMAZING young lady who has maintained a G.P.A between a XXXX and a XXXX her entire academic life and never asks for too much. All she wanted was a birthday party for her XXXX, which is now compromised due to Bank of America 's " business decision '' to terminate their relationship with me as a long time customer. I 'm a wreck and not sure what to do, but figured this would be a great place to start. I want to add that they also informed me that notifications were sent out regarding the closing of my accounts, but I only received the one about the credit card account being closed. At that time, I paid the balance and disposed of the card. I had no idea that they would be freezing ALL of my accounts and I would be denied access. Thank you so very much for this service where consumers are able to at least voice their concerns and issues against such giants like federal banks. I currently have a 3 checking accounts and 2 savings. My daughter 's account has approximately {$230.00}. My primary savings has approximately {$37000.00} ( give or take ). My secondary checking has approximately {$300.00}. Savings approximately {$190.00} and second savings approximately {$10.00}. I may have another account that 's not very active and I 'm uncertain of the balance. Thanks again.

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 2017-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IN

Complaint narrative:
I closed on the sale of my home on XX/XX/XXXX. Subsequently I called to give Roundpoint my new address so my escrow refund would be mailed to my new address. On XX/XX/XXXX I received my Customer Account Activity Statement addressed to my old address and called. It was dated XX/XX/XXXX and showed my escrow account was refunded XX/XX/XXXX. But the CSR told us it was mailed XX/XX/XXXX! I was repeatedly told they would not stop payment and reissue until 10 days after the check was issued. On XX/XX/XXXX I spoke with XXXX who said the check was issued XX/XX/XXXX! She promised to stop payment and have it reissued through the Cashiers Dept and would call us by XX/XX/XXXX. On XX/XX/XXXX I had to call her as I had heard nothing. I waited on the phone for close to 45 minutes for her to pick up my call. She agreed to stop payment, let her Cashiers Dept know I wanted the check sent overnight, and call me on XX/XX/XXXX. She did n't call. I called her today, XX/XX/XXXX, and waited 1.25 hours for her to take my call. She then informed me a check was MAILED XX/XX/XXXX because she did n't get with the Cashiers Dept quickly enough to have it sent overnight. So, now I 'm to wait another 10 business days to see if my check is received. It 's my understanding that escrow refunds are to be received within 30 days of the escrow account being closed. That did not happen. I also have a witness that heard both sides of the conversations because I had all calls on speaker phone.

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 2017-08-15 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: NC

Complaint narrative:
After disputing, Equifax removed a tax lien ( amount - {$570.00} ) from my credit report in XX/XX/XXXX. On Tuesday XX/XX/XXXX, I received an alert that the tax lien had been added back to my credit report. I immediately disputed online same day. I then called Equifax right after disputing online. After having to repeat information several times to the representative, I was told by that rep that tax liens are supposed to stay on reports 7-10 years after they 've been released. I repeated several times that Equifax had indeed removed it and it should not have been added back, especially since I did not receive the required 5 day notice. She could not explain to me why it was added back, just that the liens can remain for 7-10 years. She also told me that I had to contact whoever reported the lien. I then reminded her that is not required. I did not do this when I disputed before - I contact Equifax directly and Equifax removed it. She also thought that when I said " You '' meaning Equifax, that I was saying that she personally had deleted it. Again, I had to explain to her that I was referring to the Equifax, not her individually. Lastly, she stated that since I had already disputed online I had to allow the 30 days for the investigation. My final statement was that if the lien was not removed I would be contacting them back and I would be filing complaints.

Company response to consumer: Closed with explanation