vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX in XXXX Michigan states I was late in XXXX, XXXX and XX/XX/2018. I paid off my car loan in XX/XX/2018. This account was paid on time for the whole contract. I wrote letters, called and also dispute on my credit report with no answer or help. Its getting frustrating and also damaging my credit report. I submitted a request for my title in XXXX to be sent with the company name removed off of it and never received the title. i am unable to upload any documents at this time.

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 2018-10-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX in XXXX Michigan states I was late in XXXX, XXXX and XX/XX/2018. I paid off my car loan in XX/XX/2018. This account was paid on time for the whole contract. I wrote letters, called and also dispute on my credit report with no answer or help. Its getting frustrating and also damaging my credit report. I submitted a request for my title in XXXX to be sent with the company name removed off of it and never received the title. i am unable to upload any documents at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX in XXXX Michigan states I was late in XXXX, XXXX and XX/XX/2018. I paid off my car loan in XX/XX/2018. This account was paid on time for the whole contract. I wrote letters, called and also dispute on my credit report with no answer or help. Its getting frustrating and also damaging my credit report. I submitted a request for my title in XXXX to be sent with the company name removed off of it and never received the title. i am unable to upload any documents at this time.

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 2018-10-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My account was reported to the credit in XXXX of 2014 for being late by Kohl's/CAPONE, I was not late with my payment. There system would not let me make my payment and  made a complaint about it. My late charges was removed and I was told I would not have it show on my credit report. Well they still reported it. for years I've been filling complaints, writing letters, calling and ects. and dispute on this matter and is getting fed up. I still have my account with this company and still hold this account in good standards with no late payments. This matter is damaging to my credit report and credit score. 
This is getting frustrating ... 
Please Help i am unable to submit any upload since I am using a public computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resource Management Group
State: PA

Complaint narrative:
I was told I owe a debt that I never had and has never even shown up on my credit report and its 8 years old, statute of limitations in my state is 6 years, I asked for written copies of last payment made, original account number and when the account was opened and they told me they wont and dont have to give me that information because they are a third party but told me dates over the phone but no original account number and also said that they are going to impose liens and levies against me and are in the process of bringing a civil suit against me and are going after my name which will prevent me from getting a job in a bank or going into the military among other things and will show up on a background check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: MI

Complaint narrative:
My account was reported to the credit in XXXX of 2014 for being late by XXXX, I was not late with my payment. There system would not let me make my payment and made a complaint about it. My late charges was removed and I was told I would not have it show on my credit report. Well they still reported it. for years I've been filling complaints, writing letters, calling and ects. and dispute on this matter and is getting fed up. I still have my account with this company and still hold this account in good standards with no late payments. This matter is damaging to my credit report and credit score. 
This is getting frustrating ... 
Please Help i am unable to submit any upload since I am using a public computer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My account was reported to the credit in XXXX of 2014 for being late by XXXX, I was not late with my payment. There system would not let me make my payment and made a complaint about it. My late charges was removed and I was told I would not have it show on my credit report. Well they still reported it. for years I've been filling complaints, writing letters, calling and ects. and dispute on this matter and is getting fed up. I still have my account with this company and still hold this account in good standards with no late payments. This matter is damaging to my credit report and credit score. 
This is getting frustrating ... 
Please Help i am unable to submit any upload since I am using a public computer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I still have to file a complaint against the University XXXX XXXX, but here is my issue. I borrowed very little money to attend the University XXXX XXXX and only recall one check being sent to me for over-payment, being that I was also receiving the XXXX GI Bill while I was in the service. So, I really didn't need to borrow the money at all. Everything was covered. I recall receiving a payment for roughly $ 2,000- {$4000.00}, I don't recall being that it was over 15 years ago. 
{$4000.00} led to over {$11000.00} in loans. I consolidated with Navient and instantly {$11000.00} became over {$24000.00}. I didn't receive any additional checks, yet a consolidation led to a {$13000.00} increase. This appears to be a scam to me. 
I have tried fixing things with the University XXXX XXXX as well as Navient. My messages and emails ( with a letter attached ) have all been ignored. I really don't feel like paying any more money to these guys until they can first prove I owe what they say I do. Better yet, I prefer to have them fix this issue, knowing that I not only didn't borrow what was said was borrowed and then a consolidation led to a {$13000.00} increase. 
They are lucky that they received the almost {$4000.00} they did when I filed for bankruptcy when I became a single father of XXXX. That appears to be what I borrowed from the get-go, yet they still show this astronomical amount on my credit report. I have been trying to get answers for years, but have always been ignored. I figured now was time to file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
The intent of this complaint is to force the apathetic Specialized Loan Services ( SLS ) to do the right thing and correct the errors they acknowledged making. 

Our relationship with SLS began XX/XX/XXXX when we refinanced our home. As is typical refinance protocol, we provided all required documents -- including proof of dwelling and homeowners insurance -- to finalize the agreement. Since XX/XX/XXXX, we have received daily harassing calls from Specialized Loan Services ' ( SLS ) Collection Department due to an unwarranted impound account created because of internal clerical errors surrounding alleged lack of dwelling and homeowners insurance. As a result of the impound account, our monthly mortgage was increased to cover the cost of said insurance. Because we had recently provided proof of insurance at the close of refinance and because we knew this was an error, we continued to pay our mortgage as agreed sans the increased impound amount. 

As proven through various communications starting from the first notice and including most recently, through the XXXX XXXX XXXX, we have always maintained insurance. That said, in a letter dated XX/XX/XXXX ( attached ) SLS finally acknowledged their error stating their intent to immediately correct the errors and reverse the negative marks to credit reporting agencies. Thirty days later, I still receive harassing calls and our credit has not been fixed. As recently as Friday, XX/XX/XXXX, SLS confirmed they would look into the lack of progress and then on Monday, XX/XX/XXXX, they confirmed they could not find the letters and another investigation would be opened. 

Please know, SLS ' disinterested response and lack of action has caused much distress and become a huge financial burden to my family because of high interest rates and loan denials over the past two years. We have always worked diligently to pay our debt as agreed to however much of the payments go to pay interest as opposed to principal. 
We can not continue this vicious circle of high interest rate. 

Our goal with the letter is to once and for all force SLS to fix the errors internally and with the Credit Reporting Agencies.

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 2018-10-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Bankruptcy on my credit report not verified as required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

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 2018-10-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Credit Card : BankAmericard Better Balance Rewards ; Date : XX/XX/2018 ; Amount : {$30.00} ; Description : 2018 Q2 reward was missing.

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 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was told I owe a debt that I never had and has never even shown up on my credit report and its 8 years old, statute of limitations in my state is 6 years, I asked for written copies of last payment made, original account number and when the account was opened and they told me they wont and dont have to give me that information because they are a third party but told me dates over the phone but no original account number and also said that they are going to impose liens and levies against me and are in the process of bringing a civil suit against me and are going after my name which will prevent me from getting a job in a bank or going into the military among other things and will show up on a background check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/18 : received voice mail from ( XXXX ) stating he was a process server. That after numerous attempts to serve me a summons and complaint said would make one more attempt to serve me but if unable to, would return summons as a final service and I would be charged with a failure to appear to my court date. No attempt to serve me had ever taken place. 
I returned call from XXXX who advised me that the summons was in regard to a previous account I had with Wells Fargo on which I had defaulted. The account was out of statute for collection purposes. 
He advised me to get a cashier check made payable to XXXX in the amount of {$11000.00}, provided the address and case number to reference on the check. Send express mail to XXXX and call him back immediately with the overnight tracking number. I stated I would not pay that amount, at which time the ( process server ) stated I could be subject to wage garnishment or seizure of my bank accounts. I stated I did not owe that amount and would not pay it. He asked what amount I could pay. After offering a {$5000.00} payment he was able to get this authorized which led me to believe he was not a process server at all but a collector using unfair and deceptive tactics, including threats. I did send the check and contacted them with the tracking number. I am contemplating a stop payment at this time but am also wondering if this collection tactic was in violation of the FCCA.

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 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The reported JPM Chase accounts on my credit reports are a duplicate of another account shown on my reports for another company, XXXX XXXX. Reporting an account or accounts denotes collection efforts. JPM Chase has asked me to even call their Recovery Group. As the purported original creditor who has sold a charge-off or collection account to another lender or agency, JPM Chase technically does not have the right or vested interest to continue to report the negative accounts to the credit bureaus. Both companies are trying to collect from me, and it isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: EQUIFAX, INC.
State: AP

Complaint narrative:
I have sent prior request from the credit bureaus on the charge off account status on some accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX on my credit report, namely after several attempts, they did not delete the accounts nor gave me an explanation as to why they wont delete it..I have been denied credit because of this erroneous information.. All I ask is that you delete this information from my credit report right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC bank has been stealing money from my account for more than 3 months. I filed 2 complaints before with CFPB. Based on HSBC statement, the hacker ( inside of HSBC ) still stealing my money, because I could not access my account, all my accounts has been suspended since XX/XX/2018. I have never received respones directly from the company. I made many phone calls, they refused to serve me. As matter of fact, I called today, XXXX asked me to go to branch. I have been branch many times, they wanted me call HSBC customer service. I called XXXX XXXX XXXX ( vice president ) several times, left messages on her answering machine. She never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: AP

Complaint narrative:
I have sent prior request from the credit bureaus on the charge off account status on some accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on my credit report, namely after several attempts, they did not delete the accounts nor gave me an explanation as to why they wont delete it..I have been denied credit because of this erroneous information.. All I ask is that you delete this information from my credit report right away

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 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: AP

Complaint narrative:
I have sent prior request from the credit bureaus on the charge off account status on some accounts XXXX XXXX XXXX, XXXX XXXX XXXX on my credit report, namely after several attempts, they did not delete the accounts nor gave me an explanation as to why they wont delete it..I have been denied credit because of this erroneous information.. All I ask is that you delete this information from my credit report right away

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 2018-10-11 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: IN

Complaint narrative:
On XX/XX/2018 I sent a dispute letter to Equifax as I found a company by the name of XXXX XXXX   reporting inaccurate information on my credit profile. XXXX XXXX was and still is reporting multiple opening dates across the 3 bureaus, so I knew the information was inaccurate. On XX/XX/2018 Equifax responded with an investigation report saying the account has been verified. When I saw this I knew there was no way Equifax did a proper investigation. On XX/XX/2018 I sent another letter to Equifax in response to the investigation letter they had sent me. This letter was an FCRA 611 method of investigation letter in which Equifax would have 15 days to show me their method of how they verified the inaccurate item. I did not receive a response from Equifax in 15 days, so I called Equifax on XX/XX/2018 only to be told by a supervisor the FCRA 611 does not pertain to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: IN

Complaint narrative:
On XX/XX/2018 I sent a dispute letter to Experian as I found a company by the name of XXXX XXXX   reporting inaccurate information on my credit profile. XXXX XXXX was and still is reporting multiple opening dates across the 3 bureaus, so I knew the information was inaccurate and showed Experian the proof. As of XX/XX/2018 Experian had not responded, so on XX/XX/2018 I sent another letter to Experian explaining that I had not received a response from them in 30 days. They finally sent me a response dated XX/XX/2018 stating that unless I provide additional relevant information to support my claim they would not reinvestigate the information again.

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 2018-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My two private student loans are at 11.75 % and they will not give me the promised discounts with auto draft and their reason is i just don't qualify. These loans from Navient are impossible to pay off! I have tried to talk with them and reason with them and no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: MS

Complaint narrative:
I am a victim of identity theft. The information listed below, XXXX XXXX XXXX, DEPT OF ED/XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation