vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom It may concern OnXX/XX/XXXX, and XX/XX/XXXX, I sent a certified letter to XXXX and Experian informing them both that there were a number of inquiries and some are multiples on my report that I did not authorize and to remove them if they are not tied to an account. Inquiries should never be placed on someone 's files unless authorized and I did not authorize the inquiries. OnXX/XX/XXXX, I received two generic letters from XXXX stating that inquiries are factual data ( this is not true because I never authorized for my credit to be pulled from the creditors. After I received the letter I sent the letter again certified and received the same information from XXXX. I still not have received a response from my first letter from Experian and it has been over 30 days. It is very wrong for these credit bureaus to aid in damaging someone 's credit by placing things on there and refusing to remove them after being told over and over again that they do not belong to me. A security freeze is on my reports and both bureaus still allow creditors to access my report without verifying that it is actually me. I am well aware of my rights as a consumer and I am WELL prepared to take the next step if this problem is not resolved and the inquiries are not removed.

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 2017-06-28 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: NY

Complaint narrative:
To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau XXXX, Equifax, XXXX i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau XXXX, XXXX, Experian i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.

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 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I purchased a ring from XXXX XXXX using XXXX XXXX Credit Card ( by Comenity LLC ). At the time of purchase ( XXXX 2016 ), the promotion was misleading as it described as if there would no interest payment for the 12 months. Instead, the promotion was actually deferring 12-month worth of interest payment on the initial amount, which is applied when full payment is not made by end of the 12-month period. In my case, I had already paid off about half of {$4400.00} of the intial amount by the 12-month period, but was charged with about {$1000.00} ( which XXXX XXXX credit card company had calculated with the prinicipal amount ) at the end of the promotion period. I was not aware of the deferred payment, nor do I belive that calculating 12-month interest payment on the intial prinicipal amount is fair. The monthly statement does not indicate anything about the deffered payments until the very end of the statement. Also I was not notified via separate email to warn me about the end of the promotion and changes it will make to the account other than a small section in the statement of the month the promotion ends ( which can be easily missed ). The misleading promotion, lack of customer service in terms of notifiying incoming charges, hard to find information on deferred interest payment on monthly statements, and calculation of 12 month interest on the intial principal amount make me believe that XXXX XXXX Credit Card wants the customers to pay larger amount of interest than they would have if they had no promotion at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: HI

Complaint narrative:
I recently transferred my student loans from  XXXX  to  XXXX , since I qualify for the federal student loan forgiveness program due to my military service.  Two  months went by with me calling both service providers to ask who I send payment to, and neither had any idea. On  XXXX   XXXX   2017 , I received a letter from  XXXX  stating  XXXX  would contact me about when it was time to submit payment. My  credit score then   dropped over  XXXX  points. I received no notice, either via email, account inbox, phone call or regular mail. When my payment information populated on the  XXXX  website, I was able to make payment for the two months missed.

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 2017-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Last Friday ( X/XX/2017 ) I went to a Bank of America located in XXXX XXXX XXXX Florida. I asked to withdraw XXXX to make a purchase from a private party and the teller told me that I could only withdraw XXXX. I had over XXXX in my checking account. I let the teller know I 'm actually a Vice President for Bank of America and I 've never heard of such a policy. <P/>I would not keep so much cash on deposit at Bank of America if I knew that I could n't get it out when I need it. Someone brought me into a Merrill Lynch marked office after the teller said he 'd get someone to help me. I 'm a ML client so I was hopeful that the Financial Advisor would be able to help me but it turned out that I was talking to the Branch Manager who was illegally working out of a Merrill Lynch office which is clearly against Bank policy. <P/>The Branch Manager " XXXX XXXX '' told me he could only let me withdraw XXXX. I ask him to give me an explanation of why I can not withdraw my own money and he told me since I work for Bank of America I should know what the policy is. I vehemently protested to the idea of limiting my teller withdrawals and if this was the case it would need to be disclosed properly to the consumer. <P/>I asked to see this supposed policy in writing and the Branch Manager refused to show me anything in writing. I let him know that this was a major offense and a breach of contract that I do not take lightly. I asked him how to submit a formal complaint against him and once again he tells me that since I work for the Bank that I should know how to complian against him. <P/>I ended up withdrawing XXXX since I had no choice and I immediately called the Bank HR department to complain. Bank HR forwarded my call to XXXX XXXX XXXX XXXX who they claim is an independent 3rd party. I have good reason to believe that XXXX XXXX XXXX XXXX is actually a associate for hire that is paid to hide and even to suppress complaints. It has been 3 business days and I have still not heard back from either Bank of America or XXXX XXXX XXXX XXXX. <P/>I have been on a medical leave of absence for a few months and prior to going on leave I tried to report several compliance violations that I 've witnessed while working for Bank of America. I was treated very rudely by a XXXX XXXX XXXX XXXX Supervisor and I luckily have a recording of the whole 3 1/2 hour phone call since the first Rep. I talked to gave me her permission to record. <P/>At this point I have no choice but to seek legal action on behalf of all the other employees and consumers that are being wronged by Bank of America. I would like to hear from someone in your organization to discuss these matters in greater detail. I am hoping that the CFPB will be able to help bring light to these matters.

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 2017-06-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Seterus, Inc.
State: CA

Complaint narrative:
This administrative complaint is being submitted on behalf of the borrower by her advocate. Borrower filed bankruptcy chapter XXXX in 2012. The mortgage loan was not included in the bankruptcy. The bankruptcy was discharged. Mortgage loan servicer ( Seterus ) refuses to send mortgage statements stating, " ... the borrowers are no longer contractually obligated on the debt and we are prevented from attempting to collect said debt. ".

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 2017-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
Several loans that were serviced by ECMC during the loan rehab period had incorrect loan balances and interest rates therefore I was overcharged. For example, ECMC calculated 2 loans based on the orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled / never disbursed by the lender. Additionally, 2 of the loans has a fixed rate of 4.50 % - yet they charged me at 6.80 % on each. Another loan has a fixed rate of 5.75 %, ECMC charged me 6.00 %. Yet another loan has a fixed rate of 6.55 %, again they charged 6.80 %. There were several loans mishandled in this manner and as a result there was interest calculated that should not have been and payments misapplied as a result. I advised them of their mistake on several occasions, most recently on XX/XX/XXXX, but they have refused to fix the info on file or advise HOW they plan to rectify it. ECMC also did not report payments made by me on this loan while it was handled by them ( years XX/XX/XXXX through XX/XX/XXXX ) and at the time they transferred my loans to XXXX XXXX. ECMC also reported the wrong loan info on my credit report during the years XX/XX/XXXX through XX/XX/XXXX. ECMA also failed to report to the Dept. of Education that they received an IRS offset in the amount of {$5200.00} during that same time period.

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 2017-06-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent certified letters to Experion start date wasXX/XX/XXXX, then againXX/XX/XXXX, after I seen nothing was done or any response, they didnt even initiate consumer dispute on any inguiries that were done without my knowledge as was said in the letters I sent, I now am done with asking for Experion for help that they are supposed to give me by law, ..Inquiry dates start withXXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX ...XX/XX/XXXX XXXX  XXXX..XX/XX/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 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have a credit card from Bank of America. It is a XXXX credit line that requires pay off each month. For approx. ten years I have had card and used it for the rewards. <P/>I received a letter dated XX/XX/XXXX, that Bank of America had closed my account because I had too many open trade lines, and had high balances on other cards. <P/>Never missed a payment or been late on this account. ( or others in the last 2 years ) Letter indicated any rewards I had would be forfeited. I had XXXX points in rewards. I did not close the account, nor did I do anything to invoke having my account closed- I know you have accounts at the " leisure '' of the financial institution, but without being guilty of any type of misconduct, I feel it is inappropriate for them to keep my points, I earned them via XXXX XXXX, which I PAID for since I paid the balance off each month. This was not a revolver, so if its paid, the rewards are earned. <P/>This is a terrible way to take advantage of customers. This is Bank of America.

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 2017-06-28 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: ERC
State: IL

Complaint narrative:
In XX/XX/XXXX I paid in full {$390.00}, a collection to Enhanced Recovery Company ( ERC ). It was only in collection for a very short time but it was paid in full. ERC has this collection listed on my credit report as paid, but for less than full amount. This is completely incorrect. I paid this account in full. I sent two letters to ERC asking them to validate and change/delete the erroneous information. One on XX/XX/XXXX and the other on XX/XX/XXXX. I have not received any kind of response from them. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX, they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: AES/PHEAA
State: DE

Complaint narrative:
My old/ previous student loans are being reported on my credit report twice as derogatory accounts. Same accounts are reported by FedLoan Servicing and then again  by US departmen t of education. All of my student loans were refinanced and consolidated into  XXXX  loan  in 2012, but yet  my credit report is showing that I am in default with a balance of {$32.00}. Prior to me refinancing my loan it was in forbearance, prior to my loan being in forbearance I was enrolled in automatic payment which saved me .25 % in the interest rate. I spoke to a customer service rep that assured me that once the loan was out of forbearance the automatic payments would simply continue and I would n't have to do anything. Somehow my loan was transferred from   XXXX   XXXX   to FedLoan Servicing and then from FedLoan Servicing to US dept of Education. I never received a notice of this transfer or any changes until I received a transferred call from my supervisor at work. I immediately refinanced the loan afte r in 2012. I   am now informed that the call made to my supervisor informing him of my student loan being in default was illegal and violated quite a few laws and I will most likely be pursuing legal action. Either way there should n't have never been any negative reporting on my credit and most certainly not after  the 2012    refinance because my loan has remained in auto payment with  XXXX   XXXX  and remained in auto pay even after the current loan was transferred to  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was offered to open an account with American Express in XX/XX/XXXX. I do not remember if I agreed to their annual fee of {$95.00}. I moved in XX/XX/XXXX, and I had not received any documents from American Express. I did an address change with the USPS, and did not receive any documents at my new address until XX/XX/XXXX, where it said I owed {$95.00} that was assessed in XX/XX/XXXX for American Express credit card annual fee. I called them and explained what had occurred over the year, they did not change my address to the new address, we closed the account, and an investigation was opened as to the {$95.00} annual fee. I received a new bill from American Express for {$95.00} today. I called to discuss the fee and that I do not believe I need to pay the fee. They told me the investigation was closed and that I owe the fee. I asked if there is anything that can be done because I never activated the card, I never used the card. XXXX I never got the card. I asked for a manager, and the agent transferred me to the manager who said that he has discussed it with his team and there is nothing they will do. I do not believe I should be required to pay the fee. The bill is still going to my old address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I have multiple private loans with Navient. I was continually fed false information on my repayment options. I was able to get in touch wit h one r epresentative who told me the correct repayment options available to me. I am currently in school full time and have a in-school deferment for all my loans, even the private loans through Navient. I made a " catch up '' payment  in  XX/XX/XXXX . The in-school deferment was recommended to me by the Navient representative in XX/XX/XXXX . I became a full time student in  XX/XX/XXXX . I began recieving 4-10 phones calls Monday - Friday, from Navient, starting in  XX/XX/XXXX . Navi ent uses multiple numbers and only leaves one message per day, despite the numerous phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION

Complaint narrative:
I opened an account with Sim ple ( BBVA Compass ) bank  several months ago. I have kept my account in good standing, but once I notified them I had moved overseas, they said they would have to close my account within a month.   XXXX  Despite being  a U.S. citizen, and still being paid in USD, the y still refuse to agree to keep my account open. When I asked for an actual explanation, all they could really come up with is " our Terms of Use permit us to close accounts at our discretion ''.   XXXX  I have included screenshots of my conversation with a support person at Simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
There is an assignment of deed of trust on file with the XXXX County Clerk 's office that was filed on XXXX XXXX, 2011. The assignment of deed of trust has the incorrect property city and property zip.

Company response to consumer: Closed with explanation