vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-25 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: CO

Complaint narrative:
YOUR COMPLAINT : First off I am not a CREDIT REPAIR COMPANY. But I am a very smart individual that has done my home work, so I am DEMANDING that you stop trying to use stall tactics in order to simply not remove something from my credit report that you know is wrong and that you can not verify. You are hereby put on notice that anymore incorrect information seen on my credit report that does not meet the standards of section 609 of the FCRA will be dealt with in a court of law, which is something you are very familiar with. Experian and XXXX has XXXX items on my credit report that do not belong on there. 1. XXXX XXXX Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway. I find it FUNNY that XXXX was reporting this same thing and they removed the item because they could not verify it. If they can not verify it, because XXXX XXXX is not communicating with them, I find it hard to believe that you Experian and XXXX have had any luck communicating with them. You simply are not doing your job and you are violating the law. I will continue to file complaint after complaint until you fix this error and remove it from my credit report. You are hereby put on notice that I am tired of dealing with this and the next step is a legal lawsuit to take you to court and make you show proof that what you are reporting is correct. ****SEE THE ATTACHMENT SHOWING XXXX DELETION**** 2. Experian On my XXXX XXXX they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately. It is apparent they are trying to hurt me financially.

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 2017-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC
State: MS

Complaint narrative:
360 Mortage services my loan. The company has refused to send my overage in my escrow and has continued to overcharge me with incorrect billing statements. I requested the company to send me my overage of funds of {$1700.00} along with any other funds I have over paid and the representative XXXX refused to comply with Morgage Servicing regulations. I have included documents of proof regarding payments and confirmation numbers below. This correspondence will also be sent to the State Attorney General, State Auditor of Texas and Mississippi. to assist with resolving these issues and investigate fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
In XXXX of this year ( XXXX ) I was solicited via email to open up an XXXX XXXX XXXX XXXX card. I had one years ago and cancelled it several years ago. I called American Express and asked if I would still be eligible to receive the points ( XXXX ) and was assured that I would. I opened up the account, spent well over the needed amount to qualify and waited for my bills, and points to be awarded. After the second statement, I called and asked about my bonus points ( XX/XX/XXXX, I believe ). I talked to XXXX tiers of people ( representative, supervisor, manager ) and was told that I did n't qualify because I previously had this card ( opened it up back in XX/XX/XXXX ). But they would consider it and to call back in two or three weeks. I think they knew at that time that I would n't qualify and they were just putting me off. I called today ( XXXX XXXX, 2017 ), was on the phone well over 30 minutes, talked to three levels of representatives again and was told sorry, no deal. I think this is a classic bait-and-switch, XXXX XXXX-gate, or out and out fraud, whatever you want to call it. We can refer to it as American Express-gate. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: CA

Complaint narrative:
I have a credit card that is reporting to Equifax, but Equifax is not recording it in my file? when I called to XXXX XXXX and ask why they were not reporting I was told that they would look into it, after two weeks I received a letter from XXXX XXXX telling me that they 're investigation saw that they were reporting to XXXX, XXXX, and XXXX, as well as Equifax and that I needed to contact Equifax about why it 's not showing up in their report, when I called Equifax about why it was not showing up on their report ( My other XXXX XXXX card shows up on their report ) I was told to fax over the letter as well as a copy of my statment then given a fax number and that they would take care of it. When I called to check the status 5 days later I was told that the information did n't show up and to give it another week? I then ask to speak with a supporvisor who told me that it was their poloicy to not receive any information & for me to call XXXX XXXX to resolve the issue??? I asked if that was the case than why did they ask me to fax over the information? & why did the last rep tell me to wait another week to allow the information to get there? PLEASE HELP IN ANY WAY THAT YOU CAN XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I am on a fixed income and have attempted to pay the loan. At this time I have asked them to not contact me through a cease and desist letter. They continue to harass me and my family. I am requesting that they stop the harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was denied insurance coverage based on information provided by XXXX XXXX. I was informed that I was entitled to receive a free copy of a consumer report from TransUnion if I requested the report within 60 days of receipt of the credit denial. I requested a copy in writing on XXXX XXXX, 2017,  10 days after I received the denial letter ; from the agency listed on the denial letter, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. This request went unanswered.

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 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
In the months of XX/XX/XXXX and XXXX 2017, I made contact with NCC Business Services. Upon receiving payment for my collections they agreed to remove the collections from my credit. Since then they have NOT removed the item from my credit. Please pull up phone records with the company. I recently made contact with the company and they are still giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have sent Equifax multiple Debt validation letters and have received no response from them whatsoever. This is an itemized list of information That I have requested and have been denied my rights for this information from them. identifying the original creditor copy of the original contract with a wet signature and or electronic signature a copy of the contract between them and the original creditor proof of license or bonded complete transaction history proof within statute of limitations have you filed a judgment on these debts insurance claims amount of debt account number date debt became payable first date of delinquency amount collector paid for the debt I would like the information for the following collection accounts which they are currently reporting. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: Midwest Recovery Systems
State: OH

Complaint narrative:
On  XXXX   XXXX ,    2017 I checked my credit report which I do annually. I found that in  XX/XX/XXXX  of last year, a collections account was placed on  my report from   XXXX   XXXX   XXXX   in the amount of {$620.00}. Not only do I have no idea what this is, this company has never contacted me either by mail or phone and the parent company from where they acquired this debt is foreign to me as well. I 've opened disputes with all  XXXX  credit agencies as well as a BBB complaint. I wish to have this fraudulent account removed from my credit report as it is harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: CO

Complaint narrative:
YOUR COMPLAINT : First off I am not a CREDIT REPAIR COMPANY. But I am a very smart individual that has done my home work, so I am DEMANDING that you stop trying to use stall tactics in order to simply not remove something from my credit report that you know is wrong and that you can not verify. You are hereby put on notice that anymore incorrect information seen on my credit report that does not meet the standards of section 609 of the FCRA will be dealt with in a court of law, which is something you are very familiar with. XXXX and Equifax has two items on my credit report that do not belong on there. 1. XXXX XXXX Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway. I find it FUNNY that XXXX was reporting this same thing and they removed the item because they could not verify it. If they can not verify it, because XXXX XXXX is not communicating with them, I find it hard to believe that you XXXX and Equifax have had any luck communicating with them. You simply are not doing your job and you are violating the law. I will continue to file complaint after complaint until you fix this error and remove it from my credit report. You are hereby put on notice that I am tired of dealing with this and the next step is a legal lawsuit to take you to court and make you show proof that what you are reporting is correct. ****SEE THE ATTACHMENT SHOWING XXXX DELETION**** 2. XXXX On my XXXX XXXX they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately. It is apparent they are trying to hurt me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collections, Inc.
State: MS

Complaint narrative:
I call ed    XXXX   XXXX   XXXX   located in  XXXX , Mississippi, and asked that if I paid off  XXXX  of my accounts would they give me and discount and agree to delete the negative entry on my credit report. After making several calls there to get a discounted rate, which they clearly did not want to offer, my account representative  XXXX  agreed, and she also agreed that she would get the entry removed from my credit file. She said she would have it removed simply by telling her supervisor. Now, the day after I paid off the account, I call back to verify that the entry will be removed and to request some paperwork to show the removal and  XXXX  says her supervisor  XXXX  wo n't remove it and that she never told me she would get it deleted only that she would " ask her supervisor ''. Then she said her supervisor would only remove it if I pay the other account I owe as well.This was a very deceptive practice that  XXXX   XXXX   XXXX  used just to get my payment. It is highly unfair and misleading. I paid off my debt to them under the verbal agreement that the account I paid would be deleted off my credit file. I feel that this is CLEARLY a violation of The Fair Debt Collection Practices Act and I have recorded conversations and a witness that will substantiate my evidence against  XXXX   XXXX   XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been trying to resolve a loan with Peoples United regarding a past due loan. I sent in payments but they will not reinstate, apply the payment, or accept a settlement. loan officers name is XXXX XXXX XXXX Peoples united XXXX XXXX XXXX XXXX ma. I had a very good interest only loan program around 4 % that they would not renew. I dont know why i had a great repayment history. Then they forced me to take a higher fixed term loan at 7.5 %.. I fell behind on the payments, and they would not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has filed fraudulent information on my credit report which showed up on TransUnion. Transunion has been notified and a dispute filed on XX/XX/XXXX.
They reported on XX/XX/XXXX a " new bankruptcy-XXXX XXXX/XXXX '' This account was paid on XXXX/14 and included in a bankrupty filing back in XXXX. Upon reviewing my XXXX XXXX report, XXXX XXXX falsifying information and reporting actions to Transunion resulted in my credit score dropping over XXXX points in one day! I have worked diligently and improved my credit score over the last 3 years significantly. This is extremely damaging to my credit profile and must be corrected immediately. Please have this information removed and updated so that my credit score is back in the XXXX 's as it legally should be and inform me by letter : XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. My attorney has been contacted and can provide the filing or any other information needed to resolve the actions of Transunion and 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 2017-07-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history ( XX/XX/XXXX ) for all eleven of my federal student loans to the credit reporting agencies ; Equifax and XXXX ( XXXX has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which XXXX has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a Federal loan servicing rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time on XX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that XXXX and Equifax is reporting missed payments. This hassle of back and forth with the credit reporting agency and XXXX XXXX has caused tremendous financial suffering due to no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: MO

Complaint narrative:
Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history (XX/XX/XXXX ) for all XXXX of my federal student loans to the credit reporting agencies ; XXXX and Experian ( XXXX  has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which Experian has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a XXXX XXXX XXXX  rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time onXX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that Experian and XXXX is reporting missed payments. This hassle of back and forth with the credit reporting agency and XXXX XXXX has caused tremendous financial suffering due to no fault of mine.

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 2017-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I was offered an opportunity to be enrolled in 60 month pay off program. Due to hardship on XX/XX/XXXX I contacted the Customer Solution Team/Advocate at XXXX XXXX XXXX. After speaking to an associate, it was determined that I only qualified for the 12 months hardship program. I would be paying {$80.00}, the account would be suspended for the 12 months, I would n't accrue interest for the 12 months, I would not be charged interest for the 12 months, and it would n't affect my credit. On XX/XX/XXXX, after checking my credit, it turns out that I had loss 110 credit point because someone at XXXX XXXX XXXX  decided to report my account as late pass due 30-59 days even though I was in the hardship program. I was promised by 2 supervisors that my credit would not be affect in any way. I called XXXX XXXX XXXX to have an associate to help resolve me issue but all they wanted was for me to pay the pass due regardless of my being in the hardship program. I requested to speak with a supervisor, but they just continued to pass me off to an associate. The sixth associate XXXX XXXX XXXX ( ID # XXXX ) claim to be an acting supervisor for the day told me that I was no long on the Hardship program because XXXX . XXXX XXXX ( ID # XXXX ) another associate, decided to terminate my hardship account based on his review of my account. He felt that its better for me to continue paying off my account as it was before my enrollment into the hardship program, because I would be paying less interest. But I was never informed or given the opportunity to make that decision. The associate that enrolled me in the hardship program was XXXX XXXX XXXX ( ID # XXXX ). On XX/XX/XXXX and XX/XX/XXXX a  payment into the program were made of {$80.00} ea.

Company response to consumer: Closed with non-monetary relief