vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-11 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: FL

Complaint narrative:
I sent XXXX XXXX fin a certified letter to the address on my credit report on XX/XX/XXXX. It was returned to me stating invalid address. I then researched the address to find another address in FL to resend the letter via certified mail. The letter was pertaining to an old vehicle loan from XXXX that I am trying to request paperwork on. The VIN number is XXXX for a XXXX XXXX XXXX. I requested that XXXX XXXX provide me with all required notices. Effect of errors and omissions - notification before disposition of collateral. - contents and form of notification before disposition of collateral. As this account is reported on my credit bureau as repossessed and charged off. They are required by law to send legal notice and proof of the commercially reasonable manner of notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of the letter received. The alleged claim of deficiency will be considered null and void. see attached a copy of the letter that was sent to them On XXXX XXXX XXXX XXXX responded and stated that they never repossessed or sold the vehicle in question. see attached Then on XX/XX/XXXX - they sent a letter with a copy of payment history and contract. 
I 'm not sure what XXXX XXXX is trying to state in these letters, but they are not providing the documents that are being asked for.

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 2017-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This unknown caller was calling my phone and would not leave message and when they would call there would be no one there. They are now calling my mother every hour on the hour.. ENOUGH

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I am behind on my home equity loan with Bank of America since XXXX 2017. I took out this loan with my ex who is on the note. I have been trying to obtain a loan modification on this loan and have sent all the paperwork. the only problem is my ex is not participating. I am getting mixed answers or no answers from the representatives at Bank of America. I have been told I need a quit claim deed from my ex and then I am told differently. I am confused and frustrated as I can not get straight answers as I have been calling repeatedly with no success. All I need are the correct answers, I want to pay loan with Bank of America, but I am unable to pay all the missed payments. the loan was interest only and jumped up. Please help me obtain the correct answers so that I may retain my home and make payments on the debt I owe. thank you

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 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom it May Concern : I have recently pulled my TransUnion credit report and noticed that a public record that has been investigated and DELETED by another credit bureau is STILL being reported by TransUnion. I have PROOF that this public record was deleted. XXXX conducted another review of this public information as reported to them through XXXX and this claim was unfounded and therefore removed. Please follow suite and delete this public record for accurate reporting. This public record needs to just be removed in order to show my true credit history. 

XXXX has removed all records associated with Ohio Federal Court - XXXX Docket # XXXX. This public record was reporting the following information from the following report : Ohio Federal Court - XXXX Docket # XXXX I am aware that TransUnion conducted an investigation in XXXX XXXX. I am DEMANDING that another investigation be resubmitted based upon the findings from XXXX. I want this new investigation done so that we can actually VALIDATE this public record as such. DO NOT send another response stating that based on XXXX XXXX 's investigation, that this claim is valid. I want you to investigate this claim as of XXXX XXXX to depict the MOST ACCURATE REPORTING OF THIS PUBLIC RECORD AS VALID. 

Also, let the record show that upon reaching out to XXXX, I was told that bankruptcies are not reported to the credit bureaus and that they do not verify bankruptcies, as per your results from the " investigation '' done in XXXX XXXX. 

Be advised that this is an attempt to correct your records. Any information obtained shall be used for that purpose. Please review the attached information provided. 

Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

Thank you for your cooperation, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2016, a dismissed bankruptcy Ref # XXXX was added to my reports. which I never filed. There was never any dollar amount added, I 've reached out to the credit agencies many times. So far XXXX was the only CR agency to removed it, the incorrect bankruptcy still remain on Equifax and XXXX. This inaccuracy has damage my life with obtaining credit cards, housing and financial aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I wasnt aware that for the {$800.00} loan I was going to be charged 752.99 % APR. The company was not clear about it and I was not made aware that I would have to pay {$2000.00} in finance charges. So my total amount due is {$2800.00}. I believe I already paid 5 payments of {$230.00} Which totals {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint against Equifax due to failure to investigate fraudulent credit inquiries on my credit report. I sent a Multiple Inquiry Removal Letter on XXXX XXXX, XXXX by certified facsimile in order to dispute information, in regards to the several inquiries that I have listed below. I recently spoke with a rep from Equifax regarding this same issue and the rep placed a fraud alert onto my credit report and I was told to file a police report also regarding the fraudulent credit inquiries to have them removed. Even after the fraud alert several fraudulent credit inquires appeared on to my credit report which led to myself filing a police report in which I attached a copy to go with the Multiple Inquiry Letter showing the credit inquiries that I stated that were not factual. They received those forms on XXXX XXXX, XXXX. I received a computer generated response from Equifax dated XXXX XXXX XXXX in the mail on XXXX XXXX XXXX telling me that Inquiries are a factual record of access. If you believe these inquiries are unauthorized contact the creditor According to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified facsimile, one can assume that there was no investigation into the matter. I plan to purchase a home in a few months and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am filing this complaint due to lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything and I do not have accounts associated with those inquiries. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I have repeatedly contacted the company over the last 6 weeks to resolve this debt. However, the debt is related to a judgement that was put on a property that I used to own with my ex-wife and the debt was originally with XXXX. XXXX put the judgement on the real property then sold the debt to XXXX XXXX who then sold the debt to XXXX XXXX XXXX. When I have contacted XXXX XXXX XXXX they will not send a payoff letter referencing the judgment so that my ex-wife can sell the home and satisfy the debt. 

On XXXX/XXXX/2017 XXXX XXXX XXXX refused to send a payoff letter referencing the judgment but sent a payoff letter without information needed in the amount of {$4600.00}. I can not pay the amount until the house is sold and my ex-wife can not sell the house until I have the payoff letter and the house is currently under contract with a buyer. XXXX XXXX says they have no record of the judgment and even after I have faxed them all paperwork that I have attached to this complaint they still tell me 4 weeks later they have no record of the judgment. XXXX XXXX does not want to take the responsibility of satisfying a judgement after they have bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
XXXX XXXX continues to attempt to collect a mortgage debt which was discharged in my bankruptcy several years ago. They have been told repeatedly that the debt was discharged, but do not stop trying to collect from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: OR

Complaint narrative:
I have made several disputes for this same issue. It was resolved temporally but now the same issue is reoccurring. My Child Support payments are automatically deducted from each paycheck and yet it keeps getting reported as a missed or late payment. I have the print out from DOJ 's Child Support payment schedule showing my payments are current as of last week. Why my credit score is dropping and reflects another missed payment that is false. Equifax resolved this twice already and posted my payments as 100 % on time. now its falling back 2 months in a row to 93 %. this is inaccurate and a reoccurring issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
Hello, I am writing for your assistance in resolving an issue with American Express. I own two Delta-branded products from American Express ; the Delta Gold and Delta Platinum cards. Year-to-date, I have charged {$31000.00} on the Gold Card, and {$28000.00} on the Platinum card. My issue is having American Express credit mileage to my Delta Skymiles account. 

From XX/XX/XXXX to XX/XX/XXXX, I spent over {$25000.00} on my Gold Card. This resulted in Delta waiving the MQD ( medallion qualifying dollar ) requirement toward my elite status with Delta. In XX/XX/XXXX, I applied for and was approved for the Platinum Card. 

As part of a promotion, I received XXXX bonus miles and XXXX MQMs ( medallion qualifying miles ) when I spent more than {$4000.00} on the card in the first four months. I reached this threshold in XX/XX/XXXX, and the bonus miles and MQMs were credited to my Skymiles account. 

According the cardholder agreement, I am supposed to receive an additional XXXX bonus miles and XXXX MQMs when I spend at least {$25000.00} on the Platinum card during the calendar year. I have reached the spending threshold but have not received the bonus miles or MQMs. ( To clarify, I have spent at least {$25000.00} on each of the cards this year, for a total of {$59000.00}. ) I confirmed with American Express the end of XX/XX/XXXX that I am eligible for the additional bonus miles and MQMs based on my Platinum card spending, but they have failed to credit my Skymiles account. Multiple calls to American Express and Delta have been unsuccessful in resolving the issue. 

Customer service reps seem confused by the fact I have already received XXXX MQMs this year ( in XX/XX/XXXX ), but that was a result of a separate promotion based on card spending in the first four months. I am absolutely eligible for the XXXX  MQM bonus as a result of spending {$25000.00} during the calendar year. The language in the cardholders agreement is clear and unambiguous. I am frustrated by American Express failing to honor the terms and conditions of the cardholders agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Med-1 Solutions, LLC
State: FL

Complaint narrative:
I receive phone calls from XXXX saying they are XXXX  XXXX XXXX in regard to a debt collection. Recording asks me to call XXXX. I have reported this company in the past and they continue to call repeatedly. Most recent calls were on XX/XX/17 at XXXX XXXX and XX/X/17 at XXXX XXXX I have also been receiving phone calls from a local number in XXXX XXXX XXXX FL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I applied for a home equity loan at Huntington National Bank XXXX XXXX XXXX XXXX Ohio XXXX. I am retired so I paid off my bills and I closed my accounts before I retired. I have less than 10,000. In debt. I pay my accounts as agreed. My income is over XXXX. My property value is over XXXX. I am divorce and my exhusband pays the mortgage which is less than 50,000. When I called and asked why the loan was not approved they stated my FICO score was XXXX and I needed at less a 680. I told them my credit score is based on debt. If I had large debt than I would have a higher credit rating. My credit will go lower because I just paid off two more of my accounts. I feel my loan was disapproved because I am a XXXX female. The application name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted Equifax on several occasions in regards to accounts that I have that are in good standing and being paid on time. I spoke with a representative today ( XX/XX/2017 ) in regards to the dispute that I sent in to them at their request. Equifax requested copies of my identification and proof of social security card. The representative told me that the dispute was resolved and the accounts have been added. I am still unable to see these accounts on my credit report with Equifax only. Please let me know if there is any information that you need from me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX a division of the XXXX XXXX is withholding {$2100.00} after a matter had been resolved involving a charge back from one of our customers on XX/XX/XXXX. They never during this entire event sent any kind of dispute documentation, notification of withdrawl, nothing. We finally reached a supervisor on XXXX XXXX, 2017 who in writing promised that all funds would be returned the following day. WE HAVE THIS LETTER. They are claiming this was a mistake and have not released {$2100.00} of that deposit, causing payroll and business problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted the bureaus ' one by one without avail. I have called, asserted, and expressed my displeasure to the companies at large, on X/XX/2013. I was requested to send in a XXXX of my photo identifying me along with a recent bill in the name and social security number. I completely satisfied their demands. Only to wait thirty days to receive a reply from EQUIFAX stating that they needed more Intel to complete and/or look into my request. 

What the heck! 
I felt XXXX, discouraged, and disparaged at the least. 
All the credit bureaus ' have illegally hoarded my personal information unwittingly to my knowledge and without my consent in any form especially in written form as required. In pursuance to the XXXX privacy act all of the credit bureaus ' i have listed not limited to FICO, XXXX XXXX, XXXX, XXXX, & EQUIFAX have blatantly and intentionally violated all privacy rights and allowed my personal information to be leaked and disseminated due to their false and misleading ways. 

Relative to the Fair Debt Collection practices act all of the credit bureaus ' aforementioned in this complaint have maliciously and collectively worked in concert by unlawfully distributing consumer personal data for profitable gain at the expenses of pain and suffering of those so inflicted by the course of their willing and intentional violation. It is my request to have the CFPB to advocate on my behalf, to have all of my personal and sensitive data completely removed from every database my information is held by the aforementioned above. It is a great disgrace, that the aforementioned and above-mentioned engaged in pursuance of filthy lucre at the expenses of many consumers by such fraudulent means. 

I have suffered humiliation, XXXX XXXX and credit disaster because of it. It has greatly decreased my capacity to attain credit for housing, transportation, and it has incapacitated me from career opportunities. i have been XXXX and hospitalized because of it in the past. I request punitive damages for my XXXX, financial pain, and suffering -- also for the prevention of the huge number of failed opportunities these criminal violator 's have caused me. I do not consent to a class action suit. This is personal for me and I 'd like it to be addressed as such. I also would like to express my eternal gratitude for the CFPB protection of my family and household.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have repeatedly contacted the company over the last 6 weeks to resolve this debt. However, the debt is related to a judgement that was put on a property that I used to own with my ex-wife and the debt was originally with Citifinancial. Citifinancial put the judgement on the real property then sold the debt to asset acceptance who then sold the debt to XXXX XXXX XXXX. When I have contacted XXXX XXXX XXXX they will not send a payoff letter referencing the judgment so that my ex-wife can sell the home and satisfy the debt. 

On XX/X/2017 XXXX XXXX XXXX refused to send a payoff letter referencing the judgment but sent a payoff letter without information needed in the amount of {$4600.00}. I can not pay the amount until the house is sold and my ex-wife can not sell the house until I have the payoff letter and the house is currently under contract with a buyer. 

XXXX XXXX says they have no record of the judgment and even after I have faxed them all paperwork that I have attached to this complaint they still tell me 4 weeks later they have no record of the judgment. XXXX XXXX does not want to take the responsibility of satisfying a judgement after they have bought the debt.

Company response to consumer: Closed with explanation