vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-31 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: MD

Complaint narrative:
The credit bureaus XXXX, XXXX, and Equifax are acting as an accomplice with the banks fraudulent activity as I have reported that XXXX XXXX failed to address fraudulent activity I submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. This is illegal. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). The information reported to the credit bureaus is fraudulent. As permitted by law, I have rescinded my signature from the original application due to fraudulent activity. Attached is an sworn under oath un-rebutted Affidavit as reference. XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result the account listed with XXXX XXXX is null and void. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The credit bureaus XXXX, Experian, and XXXX are acting as an accomplice with the banks fraudulent activity as I have reported that XXXX XXXX failed to address fraudulent activity I submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. This is illegal. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). The information reported to the credit bureaus is fraudulent. As permitted by law, I have rescinded my signature from the original application due to fraudulent activity. Attached is an sworn under oath un-rebutted Affidavit as reference. XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result the account listed with XXXX XXXX is null and void. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.

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 2017-10-31 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
EXPERIAN is once again reporting XXXX XXXX XXXX XXXX Account # XXXX This account was removed from my report due to identity theft. 

EXPERIAN deleted the account from my report but now its back.

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 2017-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Financial Services, Inc.
State: MS

Complaint narrative:
XXXX XXXX bill paid by the XXXX XXXX at 100 %, I paid {$150.00} deductible at the time of service. {$1500.00} was a discount by the insurance company. Medical Financial are billing me for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Reporting agency reflect XXXX XXXX..which was ordered by court to dismiss and remove off credit.

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 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Reporting agency reflect XXXX XXXX..which was ordered by court to dismiss and remove off credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Reporting agency reflect XXXX XXXX..which was ordered by court to dismiss and remove off credit.

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 2017-10-31 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: CA

Complaint narrative:
I have filled numerous complaints with Equifax. Equifax has finally responded by removing the 3 loans that were originaly South Carolina XXXX Loans # XXXX which were well over XXXX years old. South Carolina XXXX Loans then sold these same 3 loans to XXXX XXXX XXXXXXXX. These 3 loans need to be removed too as they are the same debt. Selling the same loan over and over to destroys my credit and is against the law to do. Equifax has all 3 XXXX XXXX XXXX still on my report last dated XXXX/XXXX/XXXX which XXXX has sold to them and need to be removed. I have previously asked that they be removed. We were warned by the refinance agencies that Equifax would be difficult to deal with and they were right. 
I am XXXX years old living on a fixed income and need to refinance my house but the the game playing by Equifax still continues. XXXX and XXXX had the decency to remove them. Why has n't Equifax done so? 
Equifax continues to drag their feet and it is costing me {$21000.00} in extra interest to be paid because loan rates have gone up and i ca n't qualify with these 3 loan debts which I have asked repeatedly to be removed. I am going to ask for in punitive damages if this does n't get fixed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: PNC Bank N.A.
State: MA

Complaint narrative:
To Whom It MaXXXX Concern : This letter is to dispute the late payments reported to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My account for 10+ years has been on ACH with PNC where payments have been drawn directly from my bank account via the National City and  now PNC XXXX. For some reason in XXXX when my interest rate was raised, the ACH payments did not change and continued to draw on the PNC website with the old amounts. In XXXX while talking to a representative, I paid over the phone the outstanding balance, asked to escalate the late fees, as well as filled out a new ACH form as recommended by the representative, so as to avoid this situation moving forward. The payments continued to be drawn by ACH for an amount different then the amount due, and the late fees were never addressed. I called almost monthly after the new year speaking with many representatives, over and over trying to solve my problem to make sure the correct payments were being made. I filled out several more forms, as well as went online and changed around the ACH schedule there as well. 
Finally, XXXX in escalation department was nice enough to credit back some of the late fees recently, as she saw in the history all my efforts and my submitting of the form over and over in attempts to fix this issue. Finally in the last few of days, a representative and walked me through the ACH online process yet again, stating that the form wasnt going into effect because the online ACH was overriding it. He understood my frustration and recommended I send this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Purchased kitchen remodel with home depot XX/XX/XXXX. Promised this would take 1 week by salesman who was also a branch manager XXXX XXXX, and the scheduler when job was scheduled in XX/XX/XXXX. 
Required payment in full and we used their HD card w/24 mos no interest offer. Itemization of charges was requested but not given. Cost {$29000.00}. Job began XX/XX/XXXX. Extremely poor coordination of sub contractors resulting in 8 additional days of missed work for a total of 13 days missed work. Plus 2 days of unneeded kennel care when no workers showed up. This job is incomplete. The kitchen is missing 2 finish molding pieces and a touch up kit so the nails and seams show. The back splash was initiated XXXX XXXX and still is not complete. We have left numerous messages ( 10 or more ) w/office for manager or someone to call and help us and have no response begining in XXXX. We also filled out email survey listing complaints and no response. The tiler has been to our home 3 days disrupting our lives and NOT completing the job. There were 2 additional days he no showed for appointment. This is a small galley kitchen that has been in process for apx 20 weeks for kitchen reface/countertops/backsplash. Zero response from Home Depot to resolve this matter.

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 2017-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Coinbase Inc may be a " conduit '' to credit card fraud. 
It allows account members to use stolen/fraudulent credit cards for transactions. 
In my case, Coinbase allowed one of its account members to conduct eight fraudulent credit card transactions within a few minutes totalling over {$400.00}. It could have been much more if I did not contact my credit card company. The first three transactions were small amounts ( i.e., {$1.00}, {$1.00}, {$1.00} ) and the next 4 transactions were in {$100.00} increments. 
Coinbase should have been aware that these transactions look very suspicious and should have suspended these activities with the account member. 
It is interesting that a company that deals with virtual/digital currency ( Bitcoin ) allows its account members to use " real '' money to conduct fraudulent transactions ( buying Bitcoins with stolen/fraudulent credit cards ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: VA

Complaint narrative:
On the XXXX of XX/XX/XXXX I attempted to close a real estate transaction at XXXX XXXX ( XXXX ) of XXXX VA. The transaction involved two lots ( tax map numbers ) and it was brought to my attention by the previous owner at closing that XXXX XXXX had forgotten to include one of the lots. The loan in question was correct as was the paperwork accompanying it, listing the two parcels in the sale on one loan. The originally quoted escrow and monthly payment were not correct due to the errors on behalf of XXXX title, the closing documents and calculations were prepared by XXXX XXXX, a representative of XXXX XXXX. After closing we were contacted by XXXX and advised of this error on their part as well as advised that the previously quoted amounts were incorrect and would be considerably higher due to their mistakes. After the first taxable period passed I was contacted by XXXX County representatives advising me the taxes had not been paid on one of the parcels. I contacted XXXX XXXX as well as Arvest mortgage multiple times to attempt to correct the problem. After speaking with both at length, I was advised the problem was corrected. Today, XX/XX/XXXX, I was contacted again by XXXX County advising me the taxes on the 2nd parcel had not been paid since the date of purchase and due to this, had accrued large penalty fees as well as interest fees at each billing cycle. Two years into this real estate transaction a large portion of the paperwork remains incorrect. I contacted Arvest Mortgage and advised them of the delinquency notices, they state the deed they received from XXXX XXXX only lists one parcel and are collecting and paying escrow based off the information received from XXXX XXXX. They only list one parcel and have not received any corrected information from XXXX XXXX since the date of the transaction. There is currently {$570.00} listed in delinquent penalties and interest due to paperwork errors on XXXX XXXX 's behalf but in my name as well as {$3200.00} owed in unpaid taxes totaling {$4100.00}. After my initial inquiry with XXXX XXXX as well as XXXX County I am under the impression they ( XXXX XXXX, XXXX VA ) are incapable of correcting their mistakes at my personal expense. I was advised by my loan officer on this transaction to file a complaint with the consumer financial protection bureau after multiple attempts contacting them to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: VA

Complaint narrative:
When we heard that Equifax was hacked into we were told to go online and request protection. I did that. Now Equifax has gone into my account and it 's a hard inquiry. If I had known this would be a hard inquiry, because hard inquiry brings your score down, I would have never allowed them to enter my credit report. I think it 's unfair and consumers should have been told that what this means is that there will be a hard inquiry into to your accounts. I would have not allowed this to happen. By not stating communicating what this would do is misinforming consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, I am working to fix my credit scored but Navient has marked my credit by stating that I have multiple late payments. There are TEN ( 10 ) student loan accounts open and each account has 9 missed payments. That has caused a total of 90 missed payments on my credit score ( a majority in XXXX and several other months missing information ) which is preventing me from purchasing a home or, more importantly, fix my credit. I am XXXX years old, trying to build my life. Taking the problem one step further : the student loans I have is for the University of XXXX which has closed all of its campuses in the XXXX XXXX. At first, I was attending the XXXX, CA campus ; it closed down. I was moved to XXXX, CA and XXXX XXXX, CA ; also closed down the campuses. I was then moved to XXXX, CA which also closed down the campus. I was forced to take online classes which dramatically increased the cost of all of my classes. I did not sign up for online classes when I first registered for this school, yet I was forced to do them because of all of the campuses being shut down. 

Not only is Navient hurting my credit significantly, but I am also stuck in paying a large amount of money for a school that kept closing its doors and sticking me with more expensive classes. 

Below is how my credit is listing the Student Loans : " There are 90 late or missed payments on your report. 
Payment history is important because it helps lenders gauge how likely you are to pay on time in the future. '' STUDENT LOANS XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXXXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time STUDENT LOANS XXXX I hope that there is something that can be done for this unfair treatment. This school is a trap and Navient has only put me in debt for the rest of my life. 

I thank you again for the time you have spent reading this correspondence. 

-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: NY

Complaint narrative:
Account # XXXX ( XXXX ) XXXX This account is on my report over the time limit it was closed XX/XX/XXXXlast payment made XXXX paid and charged of by XXXX in XXXX, and Equifax is still reporting this on my account. 
Thank you very much for helping me out. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
WELLS FARGO HOME MORTGAGE SECONDARY HOME MORTGAGE I AM REQUESTING BALANCE OWED, DAYS LATE UNAPPLIED FUNDS BALANCE ON DATES THAT MY HOME WAS INSPECTED AND DATES AND AMOUNTS OWED WHEN LOCKS WERE CHANGED. 
WELLS FARGO RESPONDS HOWEVER THEY NEVER ANSWER THE SPECIFIC QUESTIONS AS TO DATES THAT INSPECTIONS WERE DONE AND THE AMOUNT I OWED ON THOSE DATES. 
THIS WAS A 10 YEAR LOAN I OWED LESS THAN {$10000.00} HAD A HICCUP IN MY LIFE FORGOT TO PAY THE REAL ESTATE TAXES AND THEN WELLS FARGO & I PAID THEM ON THE SAME DAY THEY STARTED TO ESCROW - IT WAS THE LAST 10 MONTHS ON THE LOAN!! THEY ALSO STARTED TO, MISAPPLY MY PAYMENTS FOR THIS LOAN AND THE ONE FOR MY PRIMARY HOUSE, THEY KEEP SITED THAT THE HOUSE WAS VACANT - IT WAS FURNISHED AND UNOCCUPIED SINCE IT IS A SEASONAL RESIDENCE. THE LOAN WAS PAID OFF NOT FORECLOSED - I AM ASKING FOR DATES OF INSPECTIONS, THE NAME OF THE VENDOR, THE AMOUNT I OWED ON THOSE DATES. SOMEONE TOOK ALL OF MY FURNITURE, AS WELL AS A TRACTOR AN XXXX HOUSE TRAILER --  WELLS FARGO IS DENYING RESPONSIBILITY. WHEN POLICE WENT TO HOUSE DOORS AND WINDOWS LOCKED BUT NO FURNITURE - WELLS FARGO ONLY ONES THAT HAD THE KEY

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 2017-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
On or around XXXX XXXX, XXXX I visited a XXXX XXXX  location in XXXX, CA. At that time the staff was welcoming a friendly and informed me that I was eligible for a loan of {$2600.00}. After they took fees from that amount to register the car and other fees I walked away with {$2100.00}. I made 1 or 2 monthly payments in the amount of {$390.00} before I took my income tax money to pay them off in full around XXXX XXXX, XXXX. At a later date around XXXX/XXXX/XXXX, I ran into another hardship and reapplied for another loan. This time they did not charge me all of the other fees but gave me a check for {$2600.00}. None of the employees or affiliates informed me that every time I make a monthly payment that more will be applied to the loan if I do n't come in and pay {$3500.00} in total at one time. Daily interest of {$10.00} + accrued even though monthly payments were being made which has placed my family in a financial hardship. After speaking with the employer I learned that I would have to pay them nearly {$15000.00} before my loan would be paid off if i " wanted '' to continue to pay monthly fees. Again, none of this was explained to me at the time they reassured me that I can just make monthly payments until I reach {$3500.00} to pay them back. Out of good faith, I reached out to the employer and asked them to refinance the loan so that I can afford the monthly payments until I am able to come in with a large lump sum when I get my income taxes. The manager XXXX XXXX stated that I would have to come in with the Monthly payment plus the daily interest estimating in an amount of {$770.00} in order to refinance the loan to a smaller monthly payment amount. I could not afford it and have been forced into a financial hardship. Currently, the vehicle is a total lost according to my insurance company " XXXX XXXX '' and the insurance agency is ready to pay me out. Unfortunately because XXXX is the " XXXX '' the insurance company is asking for my signature to send the check to XXXX Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: V and H Portfolio
State: TX

Complaint narrative:
VanceHuffman has XXXX accounts listed on my credit report stating that I owe XXXX and XXXX both the state and they were open on XXXX XXXX XXXX I have no recollection of this debt and why it 's reporting on my credit twice same day open to different amounts

Company response to consumer: Closed with non-monetary relief