vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-05 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: DC

Complaint narrative:
I sent a certified letter to Equifax, which they received on XX/XX/XXXX. The letter requested them to investigate XXXX fraudulent inquires in my credit, that I did not authorize. 

XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. 

The investigation was not completed in accordance with section 604 of the FCRA. These companies did not have permissible purpose to pull my credit. I did not authorize any of these companies to pull my score and Equifax DID NOT properly conduct an investigation in accordance with the stated law in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: AZ

Complaint narrative:
I was confused about how the interest payment was calculated. I was trying to get information on how much I should pay monthly to cover the interest on my loan. The calculator on the website, which indicated it would calculate this number, actually gave me a calculation based only on the principle amount of my loan. I figured out on my own that this was wrong, as I owe a lot more due to high interest rates. I called not once, but twice to the lender and each time the agent from Navient assured me that the online calculation was correct. I was mis-advised twice by two separate agents from Navient. Had I not been smart enough to correct it on my own, this would have costed me a lot of money in not being able to fully cover the interest on my full loan each month. I am very disappointed in Navient and do not trust them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been with XXXX for over 10 years and I switched to a pay over time plan. I have not missed a payment and they were charging me interest every month. They started dinging my credit and I was paying every month not the full amount but I did n't have to because I had pay over time and was paying interest charges every month. They Closed my account and I have kept paying trying to dispute it. They sent to collections agency even though I have never stopped paying. I have paid off the balance direct with XXXX not through Collections and they said they will reinstate my card with all my points and benefits. But I still have ding on my credit which is incorrect because I have always paid my bill. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: VW Credit
State: FL

Complaint narrative:
I have a hard inquiry for VW Credit XXXX on X/X/17 as well as XXXX XXXX also on X/X/17 which does not make sense as I have had a lease with XXXX now for 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: Skopos Financial, LLC
State: SC

Complaint narrative:
This company failed to respond to the dispute, and by law if they fail to do so within the time frame by LAW they are required to remove the tradeline. Im writing this 4th complaint in regard to this information. They have violated my rights as a consumer and they have violated FDCPA laws. Ive turned this information over to my attorney XXXX XXXX to either proceeds with filing a lawsuit against them for the violations or to resolve this issue outside of court. I am giving them the opportunity to do the right thing which is to remove the negative inaccurate item frommmy credit otherwise I will advise my attorney and legal representatives to move forward with the lawsuit process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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:
I have disputed the validity of the accounts listed below on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with Experian. Each time, these items are " updated '' but the " updated '' information is not clear, nor has the account been verified. It is my understanding that according to Section 609 ( a ) ( 1 ) ( A ), of the FCRA, any account posted on a credit report has to be verified through PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT. Since Experian has not provided these documents as requested, I contacted the creditors myself for verification documents ( attached ) .None of the documentation received is in compliance with the FCRA. Especially XXXX XXXX XXXX and XXXX XXXX XXXX-I could 've typed these documents up myself! According to the law, Experian is also out of compliance for not having any signed contracts on file. How do I know these are not fraudulent accounts? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CT

Complaint narrative:
XXXX XXXX XXXX - posted an account in collection on my credit report and individuals SSN does not match to my SSN or previous address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
As of XX/XX/XXXX, I had uploaded and mailed the proper documentation to Equifax to show that I was a victim of identity theft. I had submitted a police report as well as an FTC report showing the items in question. Equifax has failed to delete several of the fraudulent items. The other two bureaus have successfully removed the fraudulent items. XXXX states that if the disputed items are not showing on your report at the time of the report printing, the items have been deleted. This information is circled for Equifax to see on their reinvestigation letter. Attached is proof of this activity. I demand for Equifax to remove the derogatory information from my file for failure to recognize the identity theft steps I was given by the identitytheft.gov website. Please refer to the attached police report for full deletion information : The items in question that still need to be deleted are : XXXX XXXX : XXXX : XXXX $ XXXX : XXXX $ XXXX : XXXX $ Inquiries : XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Premium : XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: HI

Complaint narrative:
This {$500.00} fee From XXXX XXXX just came out of absolutely nowhere i have no clue what it is for or where it came from. For one i can not pay it because it is way to big of an amount being that I am XXXX years old having to deal with these crippling creditors because of a broken medical system, also it is destroying my credit. It says it was reported on XXXX XXXX, XXXX with the original creditor or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I made a mobile deposit on XXXX/XXXX/2017. When I checked the status of my account on XXXX/XXXX/2017 I realized a deposit hold had been placed on my check that would not expire until XXXX/XXXX/2017. This is a child support payment that I have received every month for the last XXXX years. I contacted Suntrust bank and asked if it was possible to have the hold removed since the funds have already cleared my ex-husbands account. They informed me that the hold was there because it was a new account. I explained that I was aware that it is a new account but the I work for Suntrust Mortgage and have my payroll checks deposited into the account XXXX a month, I also have not had any overdrafts on the account. I further explained that holding this deposit would now cause an overdraft for an outstanding check and that I will then be charged fees. I explained that I did not understand why they could not contact the bank to verify the funds have cleared as I did and release the hold. The quoted me the hold policy. I explained again that I have been in banking for XXXX years and understand the necessity of holds. They are to ensure that the funds are available before they release them to you. In this particular situation the funds had already been deducted for the check deposit I made and they new it was good. At this point holding my funds until the XXXX served no purpose. The funds are not in his account nor are they in mine. The bank has the money, they know my deposit is good and there is no good reason why the hold should not be released at this time. They are delaying my funds for no valid reason. I did not even receive a proper notice regarding the deposit hold until just now ... XXXX pm on XXXX/XXXX/2017 probably because of the fuss I raised when I called. Now this email tells me to ensure funds are deposited to cover any outstanding items that may cause an overdraft because of this deposit hold. I do n't have additional funds I can deposit and this {$600.00} was to last me and my XXXX children until the XXXX when I get paid. I could understand if the check had not cleared but right now there is NO just reason why they should continue to hold my funds for another week.

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 2017-12-05 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: Ocwen Financial Corporation
State: MD

Complaint narrative:
XXXX XXXX, XXXX I bought a house through GMAC Mortgage company. I lived in the house until I sold it on XXXX XXXX, XXXX for the full amount of the mortgage owed. I did not profit from the sale of the house nor did I owe anything on the house after it was sold. I made my mortgage payments on time so there was nothing delinquent as far as the payments were concerned. Recently while attempting to clean up my credit, I noticed that the NOW closed company of GMAC mortgage was bought out by OCWEN Mortgage and it appears on my XXXX account even though the GMAC account appears on all of my credit reports. 
I have faxed a letter plus a copy of all my credit reports to OCWEN on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I spent over an hour and a half on XXXX/XXXX/XXXX on the phone with " research representative - # XXXX '' and he was not able to give me an answer as to why, even though the account was closed and in good standing their company appears on my credit report. 
I am attempting to work on and clean up my credit report and I feel as though since it has been over 10 years since this was first reported, that I would like the accounts removed ( GMAC and OCWEN/GMAC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have an account with citibank, and I mailed a check to XXXX in the amount of {$500.00} which was cashed, but never received by XXXX. This caused problems going through tolls and I incurred fees for this. I have contacted citibank and they said that the check was cashed but they are unable to find out who cashed the check. So, basically, the bank lost my money, and is refusing to refund it or find out and prove who took it. I have submitted every single form the bank has asked for, and they are continuing to bury me in more forms. They lost my money and refuse to give it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
A collection just appeared on my credit file which I know is NOT MINE. I have n't received anything in regards to this. Please help it is showing as Southwest Credit Systems XXXX for {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX I bought a house through XXXX XXXX company. I lived in the house until I sold it on XX/XX/XXXX for the full amount of the mortgage owed. I did not profit from the sale of the house nor did I owe anything on the house after it was sold. I made my mortgage payments on time so there was nothing delinquent as far as the payments were concerned. Recently while attempting to clean up my credit, I noticed that the NOW closed company of XXXX XXXX was bought out by XXXX XXXX  and it appears on my Transunion account even though the XXXX account appears on all of my credit reports. 
I have faxed a letter plus a copy of all my credit reports to XXXX on XX/XX/XXXX and XX/XX/XXXX. I spent over an hour and a half on XX/XX/XXXX on the phone with " research representative - # XXXX '' and he was not able to give me an answer as to why, even though the account was closed and in good standing their company appears on my credit report. 
I am attempting to work on and clean up my credit report and I feel as though since it has been over 10 years since this was first reported, that I would like the accounts removed ( XXXX and XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt not owed to there company. I did not sign anything to release my medical records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
I opened this loan I think at the beginning of the year or end of last year. I have been a loyal customer they do n't have to call me about a payment l pay when its due or a day later. The way I have been treated since i lost my job on XXXX is pure ridiculous and hurtful. The have customer they have to call every month because they are always behind. When I got this loan i was ASSURED it had employment loss coverage. I called on yesterday to put that into affect only to be told I was lied to and the one they added was XXXX. Well that I would never need and I did not ask for it. But I did ensure that I had the employment loss and i was told multiply times I did. Which was a lie. I was told that I can get my money back for that which would be prorated Okay fine. I was told they did not have the employment check although i told them that was what i needed because I had faced a layoff before and you never know what can happen in the future I was assured that it would cover all loss of employment. The branch when calling today was point blank rude. How do you treat your good customers like this? This turns a good customer into a bad one with rude workers. I need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I am writing to complain about XXXX XXXX XXXX. 

My name is XXXX XXXX and I am complaining on behalf of my sister, XXXX XXXX XXXX. I am a resident of CO and XXXX XXXX is a resident of NV. I received a harassing phone call from XXXX this morning, XXXX/XXXX/17, informing me of her debt in violation of both CO and NV state regulations. XXXX XXXX has never resided in CO, has never shared a phone number with me, and I have no knowledge of or interest in her debt. I believe my sister has suffered embarrassment and harassment as a result and I demand that XXXX make this right. 

For your reference the name of the debt collector is XXXX XXXX and the phone number is : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Dear CFPB, I am writing regarding the predatory lending practices of XXXX XXXX and Comenity Bank. We made furniture purchases there under their XXXX month interest free which was heavily promoted by the staff at XXXX XXXX. We have been making regular payments to our account and have actually continued to support the company. Last month we realized that Comenity added large amounts of interest to our balance. Approximately {$3000.00} to be exact. When I called to speak to them about it, they noted that their program is actually a deferred interest program NOT an interest free program as is promoted by them and in the stores. This means that they take the interest accrued over the past XXXX  months ( calculated on the original balance even though payments have been made ) and add a lump sum to the account. I spoke to a supervisor at the credit card company for a long time to address the issue. I actually made a payment for the balance on the goods I purchased in FULL ( A ~ {$5000.00} payment ) while on the phone with them. The supervisor understood my concerns because it is an issue they are faced with often since most consumers are mislead to believe they are entering a typical interest free agreement. The supervisor escalated the issue as a dispute to Comenity Bank. I have now received a letter from Comenity Bank stating that they will not forgive these interest charges despite the fact that they are misleading consumers at the time of purchase and are making minimal effort to clearly inform the consumer of the consequences of this particular plan. I am writing to CFPB so that they may address this issue and help other consumers from falling into this same trap. 
Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent letters to Equifax, XXXX, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: TX

Complaint narrative:
I have been with XXXX for over 10 years and I switched to a pay over time plan. I have not missed a payment and they were charging me interest every month. They started dinging my credit and I was paying every month not the full amount but I did n't have to because I had pay over time and was paying interest charges every month. They Closed my account and I have kept paying trying to dispute it. They sent to collections agency even though I have never stopped paying. I have paid off the balance direct with XXXX not through Collections and they said they will reinstate my card with all my points and benefits. But I still have ding on my credit which is incorrect because I have always paid my bill. 

Regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The following negative accounts on my XXXX credit report should NOT be listed as they were opened when I was overseas using my information : XXXX XXXX XXXX ( Charged off account ) XXXX XXXX XXXX XXXX I keep asking Experian to remove it and they wo n't even after telling me my proof was adequate.

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