vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 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: MD

Complaint narrative:
I have been dealing with Experian since XX/XX/XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XX/XX/XXXX asking then to remove inaccurate information in which Experian came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and they do not want to do there job as to removing inaccurate 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 2017-11-06 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: AL

Complaint narrative:
On XXXX XXXX,2017 I was informed by an Equifax REPRESENTATIVE that they have update a status on my student loans to read bankruptcy. I never disputed these items nor did the creditor report this. The information was being reported accurately initially. What happened was the representative was negligent and did not read my dispute letter. The account I was disputing had nothing to do with my student loans. My students loans were being reported accurately. So the representative took it upon them without receiving correspondence from creditor or myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: Equitable Acceptance Corp
State: SC

Complaint narrative:
The supported company " Equitable Acceptance Corporation ( EAC ) '' is a fraudulent company that has taken my personal and highly secretive information ( such as name, address, bank info, SSN, etc ) and used it for fraudulent purposes without my permission. They claim to forgive student loans in 3 years if you pay {$49.00} a month to them to consolidate your loans. Meaning after 3 years all your loans will be totally be wiped clean. NOTE : Loan consolidation can be done for free by the person taking out the loan. The information on the contract is incorrect and the information in which the Student Advisors for this company put on my credit line is false. The Terms of agreement are false and all affiliation with EAC should be cancelled. Upon contacting the USA Department of Education, they have never heard of this company and advised that it is more likely a scam to fraud student out of money. NO LOAN CAN BE FORGIVEN IN 3 YEARS. The EAC consciously obtained my information to commit fraudulent acts and have now attacked my credit with an account that was opened on false pretenses. The account in which they ran against my credit is not even a loan, it is addressed as a credit card. If trying to pay back my student loans were not hard enough it has become increasingly challenging now that I have to worry about identity theft. Please help me dispute this activity on my credit and report this company as fraudulent. I did not agree for them to use my information to pay them and not forgive me student debt. 

In attempts to call and cancel with EAC, no one ever answers. However, when receiving calls from them, they harass you. They told me I could not cancel and that they already ran my credit. It is hard to see people of this nature taking advantage of those trying hard to live a good life. I have currently disputed this with both XXXX and XXXX in hopes of removing it from my credit because it is hurting me and my credit ; also to report this company so this does not happen to any other struggling people or families.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I got a new b of a card XX/XX/XXXX.  I have been trying to make a payment that was additional to my automatic payment.  after 3 days on hold and several transfers, I am hold for a supervisor , I think rep  just put the call mute.   Could find the information I provided XX/XX/XXXX  for the addiction payment. 31 minutes on hold.  I can't get this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I had for many years a private student loan with XXXX XXXX XXXX,XXXX. In XXXX 2017 they sold my loan to a company called XXXX XXXX XXXX XXXX, They have a company that handles their payments and collections. That company is XXXX XXXX XXXX, XXXX. They have 2 addresses ; XXXX XXXX XXXX XXXX, XXXX, Wi. XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI. XXXX. E-Mail at XXXX, Web address XXXX XXXX XXXX. Since the sale of my loan I have been receiving a monthly statement that claims that I have a missed or late payment. I do not have a missed or late payment at all, this is a mistake made by XXXX. I have telephoned and e-mailed XXXX every month since they took over my loan trying to straighten this out. XXXX agrees with me that it is a mistake, and I have correspondence from them to back this up, but I am still receiving a late payment statement from them every month plus they are charging me late fee interest on the balance of the loan. I want to file a complaint so that someone can step in and straighten this out for me as it will have a negative effect on my credit score plus they are cheating me out of money in interest and late fees. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: MI

Complaint narrative:
Company has submitted payment to my bank account twice, I have called the company to set up payment arrangements and was told they will not set them up, I have to pay the installments as originally agreed upon. I explained to them I was having financial difficulty and would have to set up a different payment arrangement. upon which they said they would not do that and that collections would continue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I closed a XXXX XXXX credit card over two years ago, but it looks like I just closed it in the last month, which is inaccurate. I decided to close the card due to redundancy & less use, so I went through the process online with the website, and assuming the messaging was accurate and logging data I never even had to call to speak to someone, assuming the XXXX XXXX the brand propagated was accurate. 

I just confusingly learned from an auto-generated email about my account address being changed a.nd officially finally cancelling successfully, with a human being to confirm and everything. There 's a ~6 month gap of any communication to me regarding my card, thus indicating data loss likelihood and supporting my assertion that the card had been closed properly. I recall that the website was undergoing massive tech changes/updates/bugs during that time, so this mixup and any record of the event is only strongly supported by the subsequent 2.5 years of inactivity and {$0.00} balance. Regardless, the company told me they could n't file anything to resolve it internally or on my behalf, and informed me I would have to submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: KY

Complaint narrative:
I disputed several things on my credit report with Equifax on XX/XX/17 I received an email from them stating it had been completed. When I tried to use the confirmation # and review the results the page kept popping up it was unable to access my results, I waited a couple days tried again same thing. I then receive another email from Equifax ( XX/XX/17 ) with a new confirmation number that my disputes are complete. I tried AGAIN to access the results and was given the same page. I called into 2 different phone numbers and both agents told me there is no dispute on my record, just a consumer statement that I made with XXXX not even Equifax. I need the dispute results from Equifax, please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently ordered my credit report from Transunion and noticed a number of unauthorized enquiries.There were enquiries from XXXX/XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX /XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called and spoke to a representative who advised me that nothing can be done.Iam therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have two Discover credit cards. I used XXXX XXXX bill pay services to pay the XX/XX/XXXX payments and received delivery confirmation on both checks. One was on XX/XX/XXXX ( Amount {$300.00} ) and XX/XX/XXXX ( Amount {$750.00} ) respectively for each card. Both checks are CONFIRMED as delivered by XXXX XXXX XXXXs. To get the payment address I used XXXX to locate the Discover website that published the payment address by typing " payment address for Discover Card ''. 
The search resulted in the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This shows XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX as the payment address. Furthermore, the link goes to : https : //www.discover.com/XXXX  which is a published web page for Discover payments. The checks I mailed to this address were not cashed ; however I have payment delivery confirmation. A few weeks later, Discover reported me as 30 days late on my credit report for both accounts. Upon calling them to find out why, they maintain that the published address on their website is NOT the actual payment address and even though I have delivery confirmation, they refuse to reverse the negative credit reporting even though they were paid by me. 

This situation, through no fault of my own, has caused my FICO score to drop over 100 points and has caused me to be declined for credit on several very important loans. Discover should reverse the negative report since I can clearly provide delivery confirmation for the financial instruments and used a clearly published address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I lost a job in XXXX 2017. I notified the Ditech LLC mortgage company that i was seeking HUD counseling and that i started a new job but with much lower pay. With a counselor on the line the mortgage company agreed to do a payment plan each month until i was current. A month later i attempted to make a payment over the phone and i was told i was misinformed and that i could not make a payment below 50 % of what was owed as my loan is an FHA loan. This caused me to become further behind as i could not make a payment each month that was satisfactory. The company is now trying to foreclose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: MD

Complaint narrative:
On or about XX/XX/XXXX I was notified by my lender that two tax liens from the State of XXXX appeared on my credit report. The Equifax credit score was XXXX. The tax liens were paid and released in XX/XX/XXXX. I filed a dispute with Equifax. On XX/XX/XXXX Equifax notified me in writing that the dispute had been investigated and completed. The results were that the tax liens reported on my report was updated report satisfied/released. I asked Equifax if they would contact the lender to update the report and credit score. Equifax stated that they could not contact the lender, who pulled the credit report, nor could they give me the new credit scores without paying {$7.00} and waiting 7-10 days for the score to be sent via us mail. The Equifax credit agent told me to have the bank re-pull the credit report to see the updated information. The bank re-pulled the credit report and discovered the following ; 1. The credit update was only made to my report and not my wife 's report as requested. 2. The credit score went down from XXXX after the two tax liens were removed from the report. I made several attempts to gain an explanation and get the credit scores to reflect the removal of the negative information, to no avail. Equifax stated that when the bank re-ran the report, as they requested the bank do, the credit score went down. This makes no sense. How does a credit score go down after negative information is removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, without prior notice or an explanation. Chase closed all my open credit cards with them. I have been both a personal and business customer with them for many years. I had both my business and personal accounts closed. I attempted to get an explanation from Chase and was only told that I had added too many authorized users to one of my cards. I explained why I added the authorized users and that I only had a handful of authorized users. I had added authorized users to that specific card because it was the one I checked most frequently so it was the easiest for me to monitor to ensure my users were spending appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: MO

Complaint narrative:
After receiving a copy of my Experian credit report, I noticed a few unauthorized credit inquiries that are reporting on my credit report. After many attempts of removing these unverifiable inquiries, they remain on my credit report.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau in question, Experian, is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract accompanied with my signature ) that Experian has on file for the accounts listed below. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, the account list below must be removed.
I demand the following accounts be verified or removed immediately.
XXXX Date of Inquiry : XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCredit Unions XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXAll Banks - non specific XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXXTenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX 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 2017-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Pinebrook Holdings, LLC
State: VA

Complaint narrative:
I did a payday loan a few years ago ( 2 ) I believe. I was in a financial bind and I was desperate. I did not want to be homeless. The loan I believe was for XXXX. I did not have the money to pay it back at that time. I got a call last year ( XX/XX/XXXX ) about they were going to take me to court and I was going to be a convicted felon and lose my XXXX. I was going to try and sacrifice and pay it but something did not feel right. I did not pay it. 
I get a email today XXXX/XXXX/XXXX saying that they are coming to arrest me and I am going to lose my XXXX and they are going to take my money and I am going to be a convicted felon. I am scared but I know that it is illegal for them to do what they are doing. So my question is what can i do? I am willing to pay XXXX a month but that is all that i can pay. I am XXXX and I dont want to be homeless. I have XXXX and so I need help on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
This is regarding the Premium Car Rental Protection offered by American Express as an optional benefit for their cards. The dispute is with regards to incorrectly applying the charge for the premium for this benefit to a credit card which I had signed up for recently BUT HAD NOT enrolled for the Premium Car Rental Protection. Following are the details. 

I completed a car rental at XXXX on XXXX XXXX, XXXX and on XXXX XXXX, I saw a charge in my credit card account for {$24.00} from Amex for Premium Car Rental Protection. I did not recognize that charge as I had not signed up for this car rental protection and immediately filed a dispute for the charge Amex Dispute Reference Number : XXXX. On XXXX XXXX, I received a letter from Amex about the dispute resolution and in the letter it stated that the charge is valid since I had signed up my card account for the Premium Car Rental Protection service in XXXX XXXX and hence the charge will stay. I agree that I had signed up for this benefit in XXXX for the other American Express credit cards that I had. However, the credit card in question, I applied for this card in XXXX XXXX and had not consented to be enrolled in the Premium Car Rental Protection. Being a new card account, there was no reason for me to suspect that American Express would enroll my card in this benefit without specifically asking for my consent or even informing me about it. However, they did and then when I used the card for the car rental, they charged me for the benefit. This does not seem fair and I feel American Express is using my consent from XXXX ( which I had given for other card accounts ) incorrectly and applying it to a new account incorrectly. On top of that, they are unwilling to make it right and even after 2 disputes filed, multiple phone calls with AmEx representatives and the Premium Car Rental Protection department, they refuse to make it right. This practice by  American Express to enroll the customer 's accounts for a charged benefit unbeknownst to the customer is very deceptive and shady.

Company response to consumer: Closed with monetary relief