vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, CA. XXXX XXXX XXXX XX/XX/2017 1. XXXX, IN XXXX 2. XXXX MI XXXX 3. XXXX, PA XXXX XXXX. Copy : ( 1 ) XXXX ( 2 ) XXXX ( 3 ) EXPERIAN RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to XXXX balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of XXXX , XXXX and EXPERIAN as per the statement of account attached to stop the fraudulent business practice of XXXX , XXXX. 
c. I am requesting from XXXX ( 2 ) XXXX ( 3 ) EXPERIAN that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just viewed my results from experian and noticed that they re-inserted information that was previously corrected. My XXXX account/XXXX was reporting as accounts that are in good standing. I submitted a letter that I received from XXXX stating that my account was never paid 30 days late back in XX/XX/XXXX and to please correct my credit report. Experian corrected it the first month now I just noticed they put this account as " accounts that are considered negative '' with a 30 day late payment in XX/XX/XXXX. This is not right. I had to contact XXXX to request this letter from them then send the letter over to experian to have this information corrected and now they are reporting it again in accounts that are potentially negative and should go to a positive status in the year XX/XX/XXXX. I just tried to dispute this information again with experian but the system would not allow me to do so. I am submitting this complaint about experian credit reporting agency because they are affecting my credit score by re-inserting an account into negative when I provided substantial proof to them that this account should be listed under " ACCOUNTS THAT ARE IN GOOD STANDING ''. I never had a late payment with mandee 's credit card so the information experian is reporting on my credit report is wrong. Again I have to go through the process of submitting this letter to them again wait 30-45 days and hope they correct my credit report. I have spent so much time and effort and letters along with my time in trying to correct the incorrect information that is reporting on my credit file. Experian is a horrible credit reporting company.

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 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is in violation of FCRA 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ). They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They merely are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. This is my final attempt before I am forced to pursue litigation in my local circuit court. I have provided Experian a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. This is my final amicable attempt to resolve these inaccuracies.

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 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
they put on my report without my permission 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 2017-03-09 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am trustee for my late mother-in-law 's trust. I set up a trust account with Ally Bank in XX/XX/XXXX. Since my mother-in-law passed away ( XX/XX/XXXX ), I need to re-assign the taxpayer ID associated with the account replacing it with an EIN. I recently made a request via Ally 's secure messaging system ( and per verbal direction from the Ally trust department ) to make this change, submitting the Ally trust maintenance form and copy of the death certificate. I received a response message from Ally that I am was not authorized to make such a change. I responded to Ally that I am trustee for the trust, and have already provided Ally with a full copy of the trust that states this. I have received no response from Ally since that message ( two weeks ago ).

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 2017-03-24 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In continuing with # Case number : XXXX the second check in question, number XXXX was never received by me, and as I understand it, this check was fraudulently cashed. I never authorized or saw this check in question. 
Barclay Card Services must investigate this issue. Please contact me for any questions. 

I will be faxing the check with my letter of authorization within three business days, thank you, 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 2017-03-03 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a customer of Capital One bank with a credit card account, my credit card expired and I never got a replacement card. In XX/XX/2016 someone or persons purchased items using my credit card. I worked through the issue with Capital One. The aggravation and lost time prompted me to ask for my account to be closed. 
They zeroed the account and then reissued a credit card to a person who called in with a change of address. That person charged more items and no matter what I do they do n't hear me. Every contact I have had with Capital One I have emphatically stated " Close MY Account. '' I asked for the proof that it was me who purchased the items. They have none. They will not set up an investigation. " Is there is nothing I can. '' Please Help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Have informed company repeatedly not to call my prepaid phone ( XXXXmin to receive calls ). They refuse to stop calling, even though I have made payment arrangements. 

In TX, FDCPA applies to first party collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I was approved for a personal loan for {$12000.00} with One Main Financial. I asked about a receiving a lesser amount and reduction of the term of the loan from 48 to 24 months. I was supposed used my car title as collateral which was fine. The loan officers for the local branches provided unsubstantiated information in regards to the exact amount they wanted me to agree to and pay debtors on my behalf. I questioned why they chose which debtors are paid without looking at my entire financial portfolio. Why ca n't I choose which debts to pay that will reduce my overall monthly bills? I am responsible for this loan and this will not help my financial situation, especially at 22 % interest and title to my car. I do n't believe the what the two loan officers said was true. When I called the main corporate office I was told the loan application and amount is at the discretion of the local branch who processes it. I declined their terms but I feel the advertising is very misleading to consumers and the corporation seem to employed untruthful, misinformed workers to represent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: VW Credit
State: NJ

Complaint narrative:
I had a leased vehicle from XXXX-XXXX and turned it in early because there were some miscommunications and I was put in a low mileage lease that was XXXX a year when I travel XXXX miles per day for work, There was a change made without my knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
My daughter had an existing balance of {$2200.00} after her freshman year of college at XXXX College. We had everybody intention of paying the balance prior to her returning for summer session, however the financial sent the outstanding amount to credit collection company. We never received any information from the school that they were sending the outstanding balance to collection and are n't disputing that we owe the money and will/want to make arrangements to make the payments. My issue is we contacted the collection company to make payments arrangements and they 're charging us a fee of {$1100.00} for the account going to collections. I find this fee to be absurd and quite honestly its borderline criminal extortion! We have ZERO issues paying the balance owed but a 50-60 % fee charge has to be illegal. I spoke with the collections company management and attempted to resolve the situation and make payment arrangements however they refused to work with us, saying their fees are what they are and we 'll have to pay them the {$1100.00} extra in order to get the collection ls account settled. Any information or assurance would be greatly appreciated..

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 2017-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX in XX/XX/2016 to Carrington Mortgage. I spoke with several rep 's informing me my NEW mortgage amount went from {$810.00} to XXXX.. I am XXXX and CAN NOT afford this payment due to 2 months balance escrow required in Ga. 
I explained this to the rep 's and they REFUSED to help 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 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
I fell behind on my payment and was n't able to pay on time. I called in to make the payment before it fell into foreclosure. They refused the payment insisted i needed to pay 1 and a half payments in order to process. I asked how I was supposed to pay them before the first. ( its the XXXX of XXXX ) ( soonest i could borrow from a family member to catch up ) ( ex fell behind on his settlement due to his work situation changing. ) She said I was able to mail it in. Or do XXXX. She gave me vague instructions for XXXX seeings there was no way possible for the pymt to get there in 1 day thru the mail. After several calls to XXXX XXXX I discovered pymt was to be made thru XXXX by doing some research online. I the successfully made the payment thru XXXX. If this posts online for those of you who have had the same problem and are reading this it is CARRINGTON MORTGAGE HOLDINGS LLC on XXXX. The payment has to be credit card. They charge a fee but posts same day. The lady said it would take XXXX hrs for XXXX to post. Caused great panic for me. I feel they give you no option that is feasible. They almost force you into foreclosure. The other thing that bothered me was that in order to post the one payment they were able to only if I could authorize them to auto draft the other 2 pymts in a week to my acct. Who does that. If I am behind I certainly cant afford the pymt to post without any money in my acct. It was rude for them to not accept the pymt and force me to pay it thru an outside source. I feel they should change this and compensate me for the distress it caused me. I have panic attacks and this affects my daily living. this was not an easy thing for me. The state or government should mandate that they have to accept pymt just like a bank. After 90 days they need payment in full no partial months. They force people into foreclosure at that point. Its very unfair and needs to be addressed. I will be posting this incident online for others to read and hopefully we can get something changed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
i am here as a student from XXXX, applied for a credit card to bank of america, i got approved credit card for XXXX , then later my wife came from XXXX, we had a XXXX baby here, my car was stolen in XXXX filed police file, and faced extreme financial hardship due to this again i have sent my wife to XXXX with baby. that time i was unemployed. but i got job now am a XXXX in XXXX. my credit card was closed bank of america is about to collect money through third party. then i started paying minimum balance is around 700 $ and i told them i will make clear this payment once i have monthly pay salary as check. here the problem is bank of america and XXXX making me face more troubles here in USA.i am not getting any credit cards from any banks due to these issues.every one have financial hardship in their life, we believe in XXXX, we trust in XXXX, but here people are not believing human beings.

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 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Credit Bureau is incorrectly reporting that I was 30 days late for XX/XX/XXXX on my XXXX account. 
Equifax Credit Bureau is incorrectly reporting that there is no data for the on time payment made for XX/XX/XXXX on my XXXX account. 
This incorrect information is causing financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
the prior CFPB investigation XXXX had an unintelligible response from Equifax, they responded to another account not the TENNESSEE DEPT XXXX ACCT. NO. 
XXXX complained about.XXXX is a fraudulent account.I have never paid them anything because I had an active case and account for the same children in the state of Virginia. 
This account record is based upon fraud and the record should not exist in my file. 
when I spoke with TENNESSEE DEPT XXXX ... they said they would '' go after the filer for fraud ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax, they have pulled this info from a 3rd party and the court verified w me that they do not report to credit bureaus and therefore must be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX was part of a XX/XX/2012 case against XXXX that found systemic auto loan discrimination. The case XXXX v. XXXX found that XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant 20 % interest rate. XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I spoke with a Navient representative about paying back my student loans I told him that I was willing to make payments but the amount that I was told to pay back was way too high. I have XXXX children that I have to provide for. He then insisted that I had enough money to pay my loans back. After I told him repeatedly that I could not make the high payments he then told me that he was going to garnish my wages and get lawyers involved. I am willing to pay back my loans but I still have to take care of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am submitting a new complaint regarding my old complain # XXXX. It seem that we are still having issues. BofA has reported mt to the credit bureau again.. I finally have a XXXX balance but some how owe XXXX which is what they reported again. Please review my last complaint and help me get this resolved.

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 2017-02-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: MO

Complaint narrative:
Upon finding out my medical bill was sent to collections, I paid the bill directly to the health care provider. Although the collection was removed by XXXX, XXXX continues to show it as an open account. Receipts outlining paid have been provided. In addition collection company falsely stated my debt was discharged or I was late on paying the collection amount. Debt owed paid in full. In addition XXXX gave collection company sensitive medical information in direct violation of HIPPA laws. The collection company had my XXXX, XXXX done, medical issues found, and various other medical issues from my medical chart.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company response to consumer: Closed with explanation