vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I went to XXXX  to purchase a washer and dryer set. The set was suppose to be financed through XXXX XXXX. I never received my merchandise because XXXX  filed bankruptcy and has closed down and was advise that I will not receive the merchandise. I never made payments to XXXX XXXX and requested refund of my down payment. for merchandise I never received. I was promised my refund would be granted and account would be closed that this was no effect to my credit. This is reporting {$3500.00} on my credit. They kept avoiding my calls and giving me a run around. 

XX/XX/XXXX sent credit bureau letter disputing. XXXX, XXXX  and Experian has refused to remove from my credit. 


XX/XX/XXXX sent method of verification -no response from credit buruea

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 2020-02-07 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: VA

Complaint narrative:
I had an account with XXXX XXXX from XXXX - XXXX. Account number XXXX On XXXX The account was paid in full. 
Since payment, XXXX XXXX has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! 
I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.

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 2020-02-07 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: VA

Complaint narrative:
I had an account with XXXX XXXX from XXXX - XXXX. Account number XXXX On XXXX The account was paid in full. 
Since payment, XXXX XXXX has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! 
I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had an account with XXXX XXXX from XXXX - XXXX. Account number XXXX On XXXX The account was paid in full. 
Since payment, XXXX XXXX has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! 
I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.

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 2020-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, i fill an online application for a Wells fargo credit card, and i fill all the information for the initial investigation, after 48 hours XX/XX/2020, i call and they told me i have to go to a near branch with two statement with my name and an ID, so i take my license ID, XXXX XXXX XXXX Statement and my car insurance where appears my address, my photo and full name. I went to the near branch in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and by fax the y send all the documents. Passing the 24 hours XX/XX/2020 i can call again to know the resolution. I call and they told me, they not approved the car insurance as my address verification, so i sent my Pay stub from my Company because they said yes for that document, again, i call and the told me i have to wait another 24 hours. Again i wait the 24 hours XX/XX/2020 and when i call the lady very kind told my, they need now, the image of my social security number or my residence, i said, why if you have all my information, even you see me at your branch and an executive could see that was me. i don't understand why and i request for a supervisor, and the supervisor told me, because i am from XXXX they have to request more information and see if i am a residence person of the united states. I told her, i sent my pay stub from my company, and i to received w-2 i need to be a residence, also they have all my information. At the end they don't approve my credit card application because i'm from XXXX, i feel discriminated because i born in XXXX. that is not acceptable if i complaint with all the initial requirement for every resident or citizen of this country.

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 2020-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I have switched jobs due to a XXXX XXXX and am making significantly less money. My wages are currently being garnished lowering my income even further. I have tried to delay paying my loans because I honestly do not have the money to pay them, not because I do not want to pay. 

I spoke to two very aggressive employees who told me that I HAD to make a payment so I asked what should I not pay to pay them. They said that is not what they meant but I needed to make a payment. XXXX and XXXX both said to me that I should be looking for another job to help make my payments. XXXX said I should drive for XXXX or XXXX. I said I could barely afford my car insurance and driving for a for hire company would increase my personal car insurance. XXXX told me that was not true and I told her that I work in XXXX XXXX XXXX XXXX and I know that to be true, so she then launched into that I should go get a fast food job on the weekends. I told I have tried and that they won't hire me because I am over qualified. 
On top of all of this, Navient is currently calling me every 30 to 45 minutes. That is in direct violation of the FDCA subsection 806. I told them to stop and they said they could call me as much as they wanted as they are trying to collect a debt. This is harassment via constant phone calls and belittling me because I am unable to make payments at this time. 

Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX i sent transunion a letter to verify information on my report because it did not seem right. On XXXX They did remove about 2 accounts but they claimed the rest was verified so i asked how did they verify the information and what steps where tooken and on XXXX XXXX i told them " A template response will not be an acceptable response If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. '' But they failed to provide me with that information. I really do regret having to exersise my rights. On XXXX they responded that they can not reinvestigate the items listen unless i have additional information to support my investigation because they " completed their dispute '' but i was told by the free lawyer guy that i can dispute more than just one time. So why is that i am denied of exercising my rights to dispute INACCURRATE INFORMATION. I am requesting removal of these accounts now or i will use these documents to support my claims.

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 2020-02-07 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been stolen. While I was trying to purchase my first home through a first time home owners program I was told when they pulled my credit that there was no way I could become a home owner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$970.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX {$970.00} XXXX XXXX {$790.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$120.00} XXXX/XXXX  XXXX {$790.00} XXXX XXXX   XXXX {$5900.00} XXXX  XXXX {$14000.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX  XXXX {$4000.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: Atlantic Recovery Solutions LLC
State: AZ

Complaint narrative:
Daily or sometimes multiple times a day calls. They leave an ominous voicemail regarding a legal matter? I called and told them I'm on the do not call list. Told them to take me off of their contact list. The person on the other end told me NO. I receive multiple call daily from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient, has made it hard to forgive the loan we have had for 23 years, as my wife is a XXXX  and I a XXXX. The loan keeps increasing it's loan payment higher and higher as it gets older. This loan practice sames odd. They are telling myself that my name is on the loan and not my wife 's, but they use her income and mine, to set payment and then tell me they can't forgive the loan, as her name is not on loan. I have been with this for a long time and will talk about documents if we may have a case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX, and XXXX XXXX I attempted to make online payments for my account, in the amount of XXXX. I kept getting a system error. At that time I called and scheduled for the payment of {$82.00} to be processed on XX/XX/XXXX. On XX/XX/XXXX I received a credit monitoring alert that I had a payment that was then 30 days past due, as care credit did not process the payment that they were authorized to do on the XXXX. I was able to get on and make the payment at that time. On XX/XX/XXXX I called 3 different numbers, and was transferred to 6 different departments regarding this issue. No one in any of these 6 departments seemed to understand how to correct the error, and bounced me around for 2 hours claiming that it was another department that could correct the error. On the final call, the representative stated that they could open a complaint, and they saw where the error had occurred, but they didn't know who could fix it at this time. The numbers that I was given were XXXX, XXXX, XXXX ( not even the correct company ), and XXXX. The representative I spoke with last tried telling me to call yet another number, but I explained that would not be happening and to check my account before disconnecting me 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 explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I opened an account with Bank of America Last year and every since I have been making payments on this account it has been excessive. Every month it is a different issue. Last month is was them claiming they didn't receive a payment. The month before that my payment double with interest. This month no one could explain my interest rates and I'm paying a total of 73 % in one payment. Bank of America is the only card with this excessive interest and I would like to know if it is even legal to charge me that much interest in one payment cycle. 

My Contact XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Total due balance {$10000.00} Payment {$320.00} Interest {$220.00}

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 monetary relief
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding LLC, This letter is the second time to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement with my signature and any other supporting document you may have that I have willingly entered into any sort of agreement with LVNV Funding LLC and if or where I agreed to have business with you or paperwork contracted for myself & LVNV Funding LLC. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. Unless LVNV Funding LLC can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Approximately 2 weeks ago, my wife and I removed our credit freeze with all three credit reporting agencies. The loan process obviously gained access and the loan proceeds. However, today I went to re-establish the freeze. I had no problem with XXXX. 
I called EQUIFAX at XXXX and the AI system could not identify me. I went online and got another number XXXX. I eventually reached a human being who asked me a series of questions, then proceeded to tell me that the inputs I had given were incorrect in some way and I would have to write a letter to : XXXX. XXXX XXXX, XXXX GA XXXX giving copy of drivers license, social security card number, a recent invoice that had been paid ( suggested example -- utility bill ). No one in their right mind would simply send such protected information to a PO Box . IN MY JUDGMENT THAT IS A RIDICULOUS REQUEST. I asked to speak to a supervisor. No luck. I asked who regulates them -- answer was call XXXX. I knew that was wrong. That is why I have contacted you. Telling someone that they have failed their credit reporting agency account sign in WITHOUT EVEN A CLUE AS TO WHAT HAS FAILED may be good banking practice but it does not help me re-secure my account. In this automated world, there comes a point when the CONSUMER/CUSTOMER should have the option of speaking to a real human being who can resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Yesterday, Thursday XX/XX/XXXX I received many more things : first a total of 8 mailings from XXXX 4 modification offers and 4 Right to Cure letters on a HELOC which should have been terminated when my home was ILLEGALLY foreclosed on on XX/XX/XXXX. Also, I received the attached credit report from Equifax dated XX/XX/XXXX ( see attached pg 9 ) showing ( all of a Sudden ) the account that has for 30 yrs been listed with Equifax as being a XXXX  account, with also the name XXXX  XXXX   attached to it. Now, it is on this report showing no mention of XXXX ( for first time in 30 yrs on these reports ) in relation to this illegal foreclosure see page 9 of this credit report. Here only XXXX  XXXX  is listed as owner with also a new name attached to this " account '' at the top of that page 9 now showing XXXX XXXX XXXX!! for the first time claiming to be attached to it. Please, see also attached a letter from a XXXX XXXX a " third party '' investor stating to have bought my home on XXXX. This XXXX or whomever they call themselves now CAN NOT do this Legally!!! THIS IS FALSE REPORTING!! and slander on my credit report!! This is beyond ridiculous, also on the attached " Assignment '' shows that XXXX from the FDIC is claiming ownership from in addition the so called Assignment that was created/recorded 25 yrs after I got my home in XXXX of XXXX. All of you need to look at and prosecute this nut XXXX and or whomever is trying to illegally take my home from me.!!! AGAIN FRAUD!! FALSE REPORTING! There are many illegal documents recorded in the Reg of Deeds in XXXX County, MA records by XXXX. On Thursday XXXX I called the resource center ( XXXX ) at XXXX  XXXX  and spoke to operator id # XXXX Jeneal at XXXX and she told me that XXXX  XXXX  does not have any files on my name, account number, or address anywhere in their records!! There are many false documents being recorded in my credit reports, as well as the Reg of Deeds AND The Land Courts by this so called Bank!! And Dual tracking! again! The attached from the XXXX  XXXX  look up also shows XXXX  XXXX  has no association with this illegal foreclosure " account '' on my home. XXXX attorney also claims to be representing XXXX  XXXX  ( crazy ) please see first page of a large file not up loadable to big, the whole file see page one attached. see first sentence of this attached letter. SO MUCH FRAUD BY XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I agreed to a judgement with a repayment plan with RECE ] VABLES MANAGEMENT PARTNERS, LLC in XX/XX/2017 for the amount of {$3000.00}. I have paid {$100.00} every month since. 
The company is reporting to my credit an amount owed significantly lower, {$800.00}, than what they are claiming is still owed {$1700.00}. When reviewing past payments there are multiple month over the last 2 years where the payments show received, but the balance doesn't change. 
When I requested records showing how payments and interest were being applied, the litigation office of RMP LLC, a woman I believe named XXXX, said they couldn't send me that and she would send me a copy of the agreed judgement. 
I have included screen shots from the RMP LLC website and highlighted where multiple payments were made and not applied to the balance, as well as a screenshot of credit report balance reported by RMP LLC, as well as the balance the company is saying is owed.

Company response to consumer: Closed with explanation