vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, USA XXXX RE : Disputed Account Notice to Furnisher XX/XX/XXXX Item was removed and added again! 
XXXX 
Dear Sir or Madam : I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 
I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
Identity Theft Report Proof of identity Notice to Furnishers of Information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX and XXXX XXXX sold their condo in XX/XX/XXXX and paid off the mortgage balance in full. On XX/XX/XXXX, Regions, who had the mortgage and has XXXX and XXXX 's checking account with mortgage payment automatically drafted, took out the {$750.00} mortgage payment, even though there is no longer a mortgage, or a condo ( it was sold to someone else, who paid cash ). I called and emailed XXXX XXXX at the XXXX branch, who called and spoke to XXXX in the mortgage dept. First they wanted to mail a check - to the condo, where XXXX and XXXX no longer live - in two weeks. I insisted that was not acceptable, sent emails to Regions customer service, demanded to speak to a supervisor, asked to speak to their compliance dept ( said request was denied ). Finally, when I threatened to call CFPB, they put the money back in, and said they needed to find where it went so it would n't happen again. XXXX, a supervisor in XXXX, XXXX XXXX assured me it would not happen again. I asked for, and received, a letter stating the mortgage loan was paid in full. ( A Release of Lien document was not available yet. ) Now, fast forward to XX/XX/XXXX, and the {$750.00} was taken out again, after spending dozens of hours of my precious time in XX/XX/XXXX and getting an assurance this would not happen again. They are stealing XXXX and XXXX 's money. In addition, the letter states an escrow refund of {$13.00} is due, but apparently they mailed it to the condo that was sold to someone else, so that was never received either. I want Regions to forever stop stealing money to pay a mortgage that has already been paid off, refund the {$13.00} plus a {$100.00} service fee for the inconvenience back into the account ( direct deposit, not a check put in the mail to a bad address ), and I want them fined by the federal government for being dishonest and an absolute hellish nightmare to try and work with. I should not have to spend my time dealing with this.

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 monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XXXX but openedXX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be.

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 2018-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Strategic Automotive Servicing, LLC
State: TX

Complaint narrative:
XX/XX/XXXX, I originally got a XXXX XXXX XXXX van from XXXX XXXX with {$2000.00} down payment, total sale price is {$10000.00}. Amount financed is {$6800.00} and the total value of payment after I would have made all payment is {$8600.00}. Amount financed is {$1400.00} at annual percentage rate of 26.71 %. After some payments in the month of XX/XX/XXXX I was transferred to another company called STRATEGIC automotive servicing company when my loan origination was {$3700.00}. I continued my prompt payment until I tried to make another payment on XX/XX/XXXXwhen I realized my online account is no longer available on their website. What kind of companies transfer your loan account to another without due notification???? SAD. Instantly, i received a call from another company called XXXX XXXX XXXX XXXX that my account has been transferred to them. Right now, strategic auto. servicing payment record does not match the balance sent to me by XXXX XXXX XXXX XXXX, so i never recognize their generated account number.. I have called and sent mails severally to these 2 companies involved for a week now to express my frustration but to no avail. These companies are trying to cheat me, somebody pls help me ... ..they 've told me that my record is presently under review and said no additional charge or interest will be accrued towards my payment since it was n't my fault to paused the payment. but, i 'm scared i can not afford to loose my van cos i have paid too much for it and its all i have to take the kids to school.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
Purchased auto - dealer sought credit from XXXX XXXX who denied based on information from XXXX XXXX. The score reported was grossly less than any other credit bureau and was purportedly based on limited history at address ( lived at address 22+ years ), phone ( do not have landline phone, cell phone number for 15 plus years but with two providers ), length of history at this phone ( see above ), length of residence too short ( 22+ years ca n't possibly be too short ), and proportion of satisfactory trades too low ( what the heck is this ). I have never heard of XXXX XXXX and will not share personal information with them to purportedly address these matters. They need to be shut down as they clearly are not taking any meaningful steps in building credit files.

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 2018-01-03 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: PA

Complaint narrative:
In XX/XX/XXXX I initiated a dispute with Experian in regards to a bankruptcy that is listed on my credit report. OnXX/XX/XXXX Experian responded that the information in regards to this bankruptcy was accurate. On XX/XX/XXXX I wrote a letter to Experian requesting what method of verification they used to determine their accuracy. On XX/XX/XXXX I received a response from Experian stating that I should refer to my personal credit report for the furnisher or public records office name, address and phone number. The only entity that was listed was the Bankruptcy court. On XX/XX/XXXX I sent a letter to Experian explaining that I talked to the clerk of courts and he informed me that the court does not provide information to the credit bureaus. I asked Experian once again for their method of verification. I received a response from Experian dated XX/XX/XXXX and once again I was not provided with their method of verification. According to FCRA I am entitled to a description of the procedure used to determine the accuracy and completeness of the information and be provided by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. NONE of this was provided after two separate requests. I have attached a correspondences.

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 2018-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Took private loans to cover tuition costs after federal aid was not available, on or about XX/XX/XXXX. The private loans I understand were owned by " XXXX XXXX '' with unreasonable high interest rates such as 12.500 % on a {$15000.00} and 14.375 % on a {$15000.00} principle. Navient, formally XXXX XXXX, has refused to provide any banking institution information that I could use to help re-finance any of the high interest student loans. I called Navient today, XX/XX/XXXX to inquire again about possible refinance options to lower the interest rates but told that I would need to contact a 3rd party and again refused to provide information on which bank ( s ) own my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX XXXX appears to be scamming consumers to collect 26.99 % interest on XXXX store card balances. On my XX/XX/XXXX statement, there were {$260.00} in new purchases, no interest charges, with a total balance of {$550.00}. The rest of the total balance falls under a 0 % financing offer through XX/XX/XXXX. There is no specified minimum payment associated with the 0 % balance. I paid {$270.00}, which is reflected on my XX/XX/XXXX statement. Synchrony arbitrarily decides not to apply {$92.00} of that to pay off the prior month purchases and instead begins charging XXXX interest on it. I call them immediately upon receipt of the statement and they say they will credit back the {$2.00} in interest charged. I told them this is not acceptable as the entire fix, the entire unpaid balance is 0 % until XX/XX/XXXX. I am told customers have to go onto their website and allocate payments. Again, I told them not acceptable, who has time to do that for 20+ bills paid per month? Asked them have a supervisor review my account, make sure this does not happen again, and told them I will make a CFPB complaint if it does. Sure enough, received statement dated XX/XX/XXXX today and the problem is only worse. New purchases of {$140.00} should have been covered by my {$150.00} payment. Instead the unpaid purchases balance is now {$400.00} with {$9.00} interest charged. This type of gross misapplication of payment could quickly cost consumers billions of dollars.

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 monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been having a problem with Bank of America since I filed Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Before, during and after Bank of America continued to auto draft my checking account for payment. I understand the the bank touching my checking account while bankruptcy is in process that is illegal. Did not matter to Bank of America. 
I have previously filed a complaint against BOA for not reporting on my credit files. Anyway I pulled my annual credit report on XX/XX/XXXX to see that BOA has been reporting this car note as derogatory and that it was charged off in bankruptcy, not true. I had the vehicle in this matter until XX/XX/XXXX when I traded it in to get a more economical vehicle. At that time BOA was paid in full by XXXX XXXX. I received a letter from BOA stating my loan was paid in full XX/XX/XXXX. This is correct, however they did not do any reporting to credit agencies to reflect this. 
I received a letter from BOA XX/XX/XXXX after I called to complain and it stated their credit reporting was accurate.After receiving that letter I went to BOA with, the paid in full letter, my bankruptcy report and the credit report showing them their error. I knew the local branch did not have the power to resolve this but they could get the information heading in the correct direction. 
For the last 6 years my credit report has shown this negative entry, which has hindered my ability to get credit. 
I feel BOA thinks they are above the law as they took funds from my account during the bankruptcy process. The amount is over {$1700.00} they were not supposed to get. 
The Bankruptcy Judge did not re-affirm the vehicle due to my income but the vehicle stayed in my possession until I traded it in XX/XX/XXXX. 
I can not get them to understand this information is incorrect and can not get it corrected without help. 

I have supporting documentation for this complaint which will prove undeniably they are at fault. I do not know where else to turn.

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 monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX of 2013 I opened up a XXXX 's credit card, with a limit of {$300.00}. During the duration of the time I was suppose to get my actual credit card in the mail I made a change to the place of where I was living. Furthermore, I never received my XXXX XXXX credit card. I am under the impression someone opened my mail and used my credit card at XXXX 's because the debt shown on my credit report shows around {$600.00} dollars.

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 2018-01-03 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: ND

Complaint narrative:
I signed up for the American Express Platinum card back in XX/XX/XXXX and was approved. The reason for getting this card was for a airline trip in the spring ( I was going to use miles that I acquired with this offer ) The offer was for XXXX miles after {$3000.00} was spent + {$100.00} statement credit after booking a flight online. I met this obligation on XX/XX/17 for the miles and XX/XX/2017 for the {$100.00} statement credit. The terms stated that I would receive the miles 6 to 8 weeks after meeting the {$3000.00} threshold. It is now in the 10th week and I have not received anything. I have chatted with 3 different representatives from American Express and all I am told is they will launch an investigation and this will take 6 to 8 more weeks. This is unacceptable. How hard is it to see that I met my {$3000.00} goal and to give me my XXXX miles. I had to spend {$3000.00} within 3 months of opening the card, I did it in 3 weeks. The mileage credit was supposed to be credited 8 to 12 weeks after my first delta credit, it is 12 weeks today and I have still not received my credit. American Express could easily credit this but they fail to so. This is why I am turning to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The NY Supreme Court took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections orjudgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was X/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.

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 2018-01-03 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: NY

Complaint narrative:
I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The XXXX XXXX XXXX took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections or judgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was XX/XX/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX of 2016 constant calls emails monday thru sunday up to XXXX XXXX at nights ..calling my bank to get info

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the Wells Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the Wells Fargo response ) I pulled a tri-credit bureau from XXXX yet again at a personal cost of {$30.00}. The negative attribute Wells had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the Wells response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from Wells Fargo . I thought I would give it a bit more time, and yesterday called the XXXX customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from Wells Fargo. 

At this point, unless XXXX is mistaken, it appears Wells Fargo is knowingly reporting false information on my credit report.

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