vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase XXXX XXXX XXXX XXXX XXXX, reported my account as late 30-59 days in XX/XX/XXXX. XX/XX/XXXXStatement was delivered by the bank to the wrong email address electronically. I never received. Once it became obvious that the statement did not show up, I called the bank to inquire and was told that there was a small balance due. I paid it in full immediately and the bank waived the late fee from my account as they undersatood what has happened. 
However, the late fee mark was never removed from my credit report. I can initaiated multiple requests through the bank and the credit bureaus with no result. 
I believe it is unfair to have this derogatory mark on the my credit report for no fault of my own. The balance was promptly paid and the email address has been corrected. 
My account with chase is still open and current and has never any late payment ever. 
I am turning to you to assist in mediating this issue due to the hardship it is placing on my unfairly. 
Thank you Bank info : CHASE XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Service Finance Holdings, LLC
State: GA

Complaint narrative:
I applied for {$7100.00} credit through XXXX XXXX XXXX XXXX   on XX/XX/XXXX because I was upgrading my HVAC system. I  was denied credit through XXXX XXXX XXXX XXXX. According to the information sent to me, the reasons for the denial were the following ; Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high ; Derogatory public record on collection filed ; According to their records, my credit score was a XXXX. 

The reasons stated above are inconsistent. First, the proportion of balances to credit limits were under 20 %. Second, there is a settlement on my credit report, however, it was settled in XX/XX/XXXX. In addition, it was stated that my credit score was a XXXX. This is not true. I checked my credit report before applying for credit and after I was denied credit and the scores were XXXX. 

I believed that I was discriminated against under the Equal Credit Opportunity Act. I should not have been denied credit. Further, my annual income is $ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: NC

Complaint narrative:
I am an XXXX XXXX XXXX XXXX Member, and I believe I entered into a contract with Lending Club under false pretenses. Lending Club either should not have lent to me, or I should have been offered the 12 % interest cap, XXXX the Virginia Usury Law 6.2-303. My account was opened in XX/XX/2015, I resided in the state of Virginia during the time the loan was opened. I am simply asking for my case to be reviewed for fair practice as it pertains to the interest and Virginia law, if an adjustment can be made it would be much appreciated. The only reason I found out this information is due to the Virginia Attorney General auditing another account I had with a different loan company, and informing me that my interest would be decreased as a result of the audit and the predatory lending practices of that company, hence the reason I am looking into my loan with Lending Club, in addition this astronomical payment is causing a hardship on my family, due to relocations and my husband 's loss of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
The loan was taken out on XX/XX/XXXX for {$900.00}. Big Picture Loans have been deducting {$250.00} from my checking account bi weekly. I wasn't aware of the apr of the loan was 670.3853 %. I have already paid {$2400.00}, but according to the the account this is all going to interest and nothing to principle. I have revoked the ACH authorization, the contract doesn't end until XX/XX/XXXX. Meaning I would be paying over $ XXXX on a {$900.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, reported my account as late 30-59 days in XX/XX/XXXX.XX/XX/XXXX Statement was delivered by the bank to the wrong email address electronically. I never received. Once it became obvious that the statement did not show up, I called the bank to inquire and was told that there was a small balance due. I paid it in full immediately and the bank waived the late fee from my account as they undersatood what has happened. 
However, the late fee mark was never removed from my credit report. I can initaiated multiple requests through the bank and the credit bureaus with no result. 
I believe it is unfair to have this derogatory mark on the my credit report for no fault of my own. The balance was promptly paid and the email address has been corrected. 
My account with chase is still open and current and has never any late payment ever. 
I am turning to you to assist in mediating this issue due to the hardship it is placing on my unfairly. 
Thank you Bank info : XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( 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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Total Card, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX initiated a hard inquiry on my XXXX credit report. I never applied for any account with this bank nor do I have any existing relationship with them in any way. I contacted the bank on XX/XX/XXXX and reported a fraudulent access into my credit report. The bank agreed that the information provided on an application does not match my correct information and that they will investigate it further and remove the inquiry from my credit report within a maximum time of 30 days. 
The 30 have passed and the inquiry is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, ACCOUNT NO. XXXX IS APPEARING ON MY CREDIT REPORT.THE LOAN CONTRACT IS FRAUDULENT BECAUSE THE SECURITY AND THE PRODUCT FINANCED HAS NO VALUE AND THE LENDER KNOWS THIS. 
THEY REFUSE TO RECLAIM THE XXXX VEHICLE BECAUSE IT WAS MANUFACTURED, FINANCED AND SOLD AS AN UNSAFE DEFECTIVE PRODUCT. 
XXXX VIOLATES IMPLIED WARRANTY LAWS OF CALIFORNIA AND MANY OTHERS. 
THEY ARE WELCOME TO SUE ME FOR THEIR FRAUDULENT DEBT. 
I CAN NOT PERMIT EXPERIAN TO BE USED AS AN ARM OF EXTORTION BY REPORTING CREDIT BASED ON A FRAUD PERPETRATED BY XXXX. 
EXPERIAN SHOULD DELETE THIS ACCOUNT OR CONSULT THEIR ATTORNEYS TO SEE IF THEY NOW KNOWINGLY WANT TO PARTICIPATE IN A FRAUDULENT TRANSACTION.CONTINUE REPORTING AND EXPERIAN COULD BE HELD LIABLE FOR FRAUD.THE OTHER PARTIES HAVE BEEN TO COURT.

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 2018-07-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACS Education Services
State: OH

Complaint narrative:
I XXXX XXXX have tried to invalidate several negative collection accounts placed on my credit bureau from a company called ACS EDUCATION SERVICES. My attempts to obtain proof that this agency was even in the chain of ownership on several student loans has fallen on deaf ears. I hereby submit a qualified written request for all education loans either posted on various credit bureaus, or loans that ACS EDUCATION SERVICES states they had a right on servicing of said accounts. A qualified written request ( QWR ) will either validate or invalidate the right to my personal information, either from a collection stand point or an ownership. If a QWR can not be submitted, it means that ACS never had a position on any of my student loans and that my file ( s ) must be purged and all references to a collection process on my credit bureaus must be deleted immediately. The US Department of Education will be notified of this request as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Applied for credit from XXXX and was denied. They said they could not tell us why. We were notivied later from XXXX XXXX it was because of a previous denial from them. I do not recall any denial so I sent a letter to them asking about the previous denial and what was the reason for that denial if any. After 30 days no response. 
We have never been denied credit before as our credit scores are well above 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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have Disputed this account by certified letter notarized, with Experian. They had 30 days to reply and failed to resolve the account. XXXX XXXX XXXX XXXX. Please note this account is closed, paid and older then 10 years old. Also note that XXXX payment history for the same account proves I have good payment history and also exceeded the 7 year FCRA law. I have included images for expert an app and privacy guard web site.

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 2018-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I pulled my credit report in the month of XX/XX/XXXX after being refused a car ins. So, in mid XX/XX/XXXX I received all 3 reports and began going thru them. As I started questioning a few of the collections. I came across BLAKLEY- WITT and began to researching how and why are they on my reports. I disputed the item with credit agencies 1st. This item was removed from one then another but this company still was reporting to them. I was told by XXXX to send them a letter stating they need to provide me with info. stating they actually own this debt and they should have no problem sending the info. After sending them request asking them to prove that they own or that they have some vested interest in this item. This company has been only sending back in return copies of the lease between the realtor and myself never anything saying there is a agreement to pay them ( prove of Assignment ). I have send them TWO request asking for this, from BLAKLEY-WITT As, you can see in the documents this company never replies to my request for info as to this matter. This is a VIOLATION of the Fair Debt Collection Practices Act. Section 809 ( b ),

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The major credit bureaus such as Experian, XXXX and XXXX XXXX have an obligation to the public for honesty, that mandated through the Fair Credit Reporting Act. The credit reporting agencies have a strict subscriber agreement to those companies, banks, credit card companies and collection agencies to abide by the laws of the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, and the Fair Debt Collection Practices Act. However, debt collectors for student loans break the law continuously. Take XXXX XXXX XXXX for one. This agency has never shown proof that they were ever granted collection rights from a securitized trust where all of my student loans were owned. However, upon obtaining my student loan information, I never made one payment to this agency as my loans were always in deferment while I finished school. However, this agency, upon obtaining my information without a right to report it without servicing rights or ownership rights, and this same agency took my information and posted immediate 90-day late payments across the board on at least six separate accounts. This abusive practice by student loan collection agencies is abusive, and I have been the victim of an agency that in my belief had no rights to servicing or ownership. Accordingly, this agency has violated my rights under FCRA and the subscriber agreement they signed with all pertinent credit reporting agencies. These accounts must be deleted and my files purged along with my personal information.

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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACS Education Services
State: OH

Complaint narrative:
The major credit bureaus such as XXXX, XXXX and XXXX XXXX have an obligation to the public for honesty, that mandated through the Fair Credit Reporting Act. The credit reporting agencies have a strict subscriber agreement to those companies, banks, credit card companies and collection agencies to abide by the laws of the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, and the Fair Debt Collection Practices Act. However, debt collectors for student loans break the law continuously. Take ACS EDUCATION SERVICES for one. This agency has never shown proof that they were ever granted collection rights from a securitized trust where all of my student loans were owned. However, upon obtaining my student loan information, I never made one payment to this agency as my loans were always in deferment while I finished school. However, this agency, upon obtaining my information without a right to report it without servicing rights or ownership rights, and this same agency took my information and posted immediate 90-day late payments across the board on at least six separate accounts. This abusive practice by student loan collection agencies is abusive, and I have been the victim of an agency that in my belief had no rights to servicing or ownership. Accordingly, this agency has violated my rights under FCRA and the subscriber agreement they signed with all pertinent credit reporting agencies. These accounts must be deleted and my files purged along with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have paid for Experian 's credit monitoring for the last 3 weeks. ( Today 's date XX/XX/2018 ) I have gotten alerts ( Which I have screen shots of ) and when I logged into my account I could not see what effected my credit. Then they had a tab that said new collections were filed with a total amount of {$370.00} due and when I clicked on the link to see what the " New collections '' were they only showed accounts that had been on my report for over 5 years. I am writing you because I feel that the company 's process or whatever you'd like to call it is manipulative. They send you an email stating your report has changed then dont provide any information as to why its changed. I believe this to be fraudulent and not a fair or honest way to practice reporting. I am bringing this information to light in hopes that it is looked into. If you need any help at all or need to call me I will provide my information below to assist with anything to help you investigate Experian. 

XXXX 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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Services is reporting that I owe {$430.00} to a company I know nothing about. I have not been contacted by anyone regarding this debt and requested validation. To date I have yet to receive detailed information as to what this is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems is reporting a debt balance of {$77.00} for an account I have no knowledge of. I have requested a validation of debt that I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified Consultants refused to remove an account from my credit file, though it has been paid in full. I have contacted XXXX the original creditor who agreed to have the account deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Consistently over the course of the past few months I have had my overpayments on my Federal accounts misapplied. I have called repeatedly to have them corrected. It seems quite deliberate at this point, considering the fact that each time I pay more than the minimum payment I am entering the total amount to be paid on each loan through their website. There is no way things are being miscommunicated between myself and Navient because you clearly type the amount in for each loan. The problem is 100 % on their end. A second issue involves the fact that I was told several years ago that Navient does not provide a reduced interest rate for automatic withdrawal from your bank account. when I previously had only been paying via handwritten check through the mail. Now that I have more recently started managing the account online and paying through e payments, I stumbled upon the fact that this is actually available and requested automatic payments for all of our private accounts and my spouse 's federal accounts with her permission. First, I am sure that this was available all along and they had previously lied to me about it. Secondly, when they finally began to process my request for automatic withdrawals they improperly applied it to the only account that I did not request it for ... my federal account. So as of right now they only applied it to the federal account that I did not submit a request for and I still have the confirmation saved proving which accounts were to be processed too. The remaining accounts that should have been processed with my private loans and my spouses federal loans no longer appear to be pending. The part that makes no sense is that their federal processing is separate from their private and is 2 completely different departments and phone numbers etc. So explain to me how they process a request for my federal loan to be on autopay when my request for my private loans to be processed was even separately submitted from my spouse 's request for her federal loans???. I have had it with dealing with them and want to know what I can do as recourse. Its just not fair. If i quit paying my loans because of what I am convinced is deliberate mishandling at this point, it will only hurt my credit score etc and it appears that they are immune to reprisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: NJ

Complaint narrative:
EQUIFAX listed three fraudulent hard inquiries which they are unwilling to remove ( even with proof ) and that the other credit agencies do not report. Fraud inquiries on EQUIFAX report are : XXXXXXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX, XX/XX/XXXX. I received documentation from XXXX and XXXX that these were fraud attempts to open credit ( I do not recognize nor authorized ) and no accounts were opened. I submitted documentation to EQUIFAX and their investigation simply states " these inquiries are factual ''. Today ( XX/XX/XXXX ) I received an alert for another hard inquiry on EQUIFAX from XXXX XXXX/XXXX for a fraud attempt ( confirmed with XXXX, agent # XXXX in XXXXXXXX XXXX   Fraud Dept ). This is another fraud attempt and EQUIFAX is unwilling to remove these incorrect/fraud hard inquiries from my report. My credit score is suffering with EQUIFAX. I will be making a major financial purchase soon and their unwillingness to remove the hard inquiries on my file will cost me a higher interest rate ( EQUIFAX MUST FIX THIS IMMEDIATELY - PLEASE HELP ).

Company response to consumer: Closed with explanation