vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My bankruptcy has failed to provide procedure for verification. They are non compliant and has failed to perform a real investigation I contacted United States Bankruptcy Court and they stated they do not release sensitive information about the consumer bankruptcy to the credit bureaus. I am trying to understand why this inaccurate information is still reporting on my credit report .... Failure to provide the procedure.

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 2018-12-15 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: OH

Complaint narrative:
This is the second time I have complained about Navient charging me late fee when my payments are on time and even early. I have tried paying the late fees to end this bur they turn around and charge me more late fees. This appears to be their way of padding their income from borrowers. I even called to get what I owed to include " late fees '' and sent that amount, and I just got another letter from them claiming I have not paid my " late fees '' I have no idea how to put an end to this since paying the fee only gets me a new late charge. I never received a response from Navient on my first complaint so dealing with them is pointless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I applied for the American Express Gold Card on XX/XX/XXXX. The Refer-a-friend offer terms were : - XXXX Membership Rewards points after spending {$2000.00} on the card within the first three months - 20 % off dining purchases for the first three months, up to {$100.00} Because the 20 % credit did not post on my XXXX statement, I went on the chat feature on American Express website to ask about it. The chat representative I reached on XX/XX/XXXX said that the bonus was revoked. The representative provided no further details. 

I immediately called the number on the back of my card and asked to speak with a representative. This representative told me that the bonus was revoked because I had received the bonus on a completely different American Express card ( the SPG card ) back in XXXX. I was incredulous. 

The phone representative offered to transfer me to customer service. This new representative then said that my original understanding of the welcome bonus was correct, and that I am eligible for the welcome bonus. Furthermore, she said that I had already met the spending requirements for that bonus. 

There is no way for me to trust that she is correct, if both the chat and first phone representative said American Express revoked the bonus from my account. How can I trust this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Background - I was a XXXX of few corporations and i signed in capacity XXXX XXXX of those corporations on their Insurance Policies. We obtained WorkersComp Insurance from XXXX for Fiscal Year XXXX and paid 100 % of premiums at the time of Policy Inception. 

XXXX successfully conluded the Audit in XX/XX/XXXX ( for XXXX policy ), with no additional premium requirements. 

Matter - XXXX failed to correctly report the said numbers to respective Government Agencies. As a result of this Wisconsin Department of Workforce Development notified that we did not pay our premiums. After repeated emails to to XXXX XXXX company from me, they still failed to report it to Wisconsin DWD. I  have records of all the emails sent to XXXX requesting to rectify the records with Wisconsin DWD Wisconsin DOR filed 3 Cases against me Personally and all those cases are appearing on my credit. When i found out, i filed companits with Illinois Department of Insurance and WI Department of Insurance. 

Thereafter XXXX rectified their mistake. 

However, the Public records indicate - JUDGEMENT SATISFIED.

Complaints : 1 ) the cases should not been filed against me personally.

2 ) the status should have been CASE DISMISSED, not Judgement Satisfied 3 ) Due to inaction of XXXX, my credit has been damaged significantly and banks have refused to loans to buy new business - i have proof of all of it. this has deprived me of my future growth. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
We were given a 4 month trial period plan agreement to an FHA-HAMP loan modification starting XX/XX/2018. We made the XXXX and XXXX payments. 
As of XX/XX/2018 Bank of America sent us a letter saying we missed the XXXX payment. They are threatening to send us into foreclosure and make us homeless. 
We had called them on the phone XX/XX/XXXX to make the payment using correct bank routing and account information verified by our credit union. The money is still in the savings account we gave them permission to withdraw the funds from. We have been calling them several times to make sure they get the payment, but could not resolve the issue with them. Now, due to their inability to make a simple ACH transaction out of our savings account, Bank of America is giving us 30 days to make other arrangements to live! 
We have been calling them since the first attempt to pay on XX/XX/XXXX up through XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: TX

Complaint narrative:
Im very unhappy at the fact that there is FRAUD information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account that does not belong to me. This is my fourth letter to your company informing you that the accounts are a result of identity theft. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. Also, how can you even verify a fraud account? Please remove these items from my 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
Consumer complaint received 2018-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
i made a payment from my checking account to XXXX credit card on XX/XX/2018. my account was not charged until XX/XX/2018. i made a deposist of XXXX usd on XX/XX/2-18. as of today XX/XX/2018 it still has not registered. i called 5th third on XX/XX/2018 and was told the deposit would be availible on XX/XX/2-18. it is still not availible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My bankruptcy has failed to provide procedure for verification. They are non compliant and has failed to perform a real investigation I contacted United States Bankruptcy Court and they stated they do not release sensitive information about the consumer bankruptcy to the credit bureaus. I am trying to understand why this inaccurate information is still reporting on my credit report .... Failure to provide the procedure.

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 2018-12-15 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: TN

Complaint narrative:
My bankruptcy has failed to provide procedure for verification. They are non compliant and has failed to perform a real investigation I contacted United States Bankruptcy Court and they stated they do not release sensitive information about the consumer bankruptcy to the credit bureaus. I am trying to understand why this inaccurate information is still reporting on my credit report .... Failure to provide the procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account that does not belong to me. This is my fourth letter to your company informing you that the accounts are a result of identity theft. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. Also, how can you even verify a fraud account? Please remove these items from my 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 explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: Colony Brands, Inc.
State: PA

Complaint narrative:
This company continues to place negative, derogative, new and recent payment notifications on this account this account. I have been disputing continuously since XX/XX/XXXX. They have placed charged off new activity in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

How does a charge off account that was sold to a collection agency have late payments, past due amounts and balances and they probably filed an insurance claim for this loss also? 

I contacted this company and they ignore my request and refuse to correct the inaccuracies on my credit reports. 

I filed a dispute with the XXXX, XXXX  and XXXX they have not been any helped. 

I filed a dispute with the CFPB in re of XXXX, XXXX or XXXX   not disputing this account that is not being reported with 100 % accuracy. 

I am requesting that you tell XXXX XXXX to correct the inaccuracies on my account or delete this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
On XX/XX/2017, my attorney wrote a letter to Lakeview Loan Servicing , LLC requesting the name of the new creditor/owner of my mortgage loan pursuant to 15 U.S. Code Section 1641 ( g ) ( 1 ) because it was securitized through a  Government National Mortgage Association. Lakeview Loan Servicing , LLC owns only the master servicing rights to my loan. XXXX XXXX XXXX XXXX  services my loan. Lakeview Loan Servicing , LLC wrote a letter of response onXX/XX/2017, and stated the following below in paragraph four : The note holder for these securities is not known to the public or to us.

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 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC
State: VA

Complaint narrative:
Good day : I have been contacted now four times by a debt collection agency attempting to collect a debt that I do not owe. The first three times have been via US Mail, which I responded to twice via certified letter. Following the third letter from RMS, I  submitted a complaint to CFPB, case number XXXX as they had not provided any proof that I owe a debt. Their response to the CFPB complaint on XX/XX/XXXX was incorrect, indicating that they received my account on XX/XX/2018 ( their first letter was dated XX/XX/XXXX ), and that they closed my account and returned it to XXXX. 

I have now received 5 phone calls from XXXX starting on XX/XX/XXXX ( the date that they responded to the CFPB complaint ), who have left no messages. Yesterday, XX/XX/XXXX, the 5th phone call, I picked up and it was RMS asking about the same debt. In their response to the CFPB complaint they indicated that they have sent the debt back to XXXX which is clearly not the case. 

I have attached the same PDF to this CFPB complaint, which expressly states that this debt is not mine, asking for proof that this debt is mine. The company has failed to prove that this debt is valid and has now begun calling me asking me to pay this debt, which violates my rights under the FDCPA. I have asked them via a form letter from CFPB to provide proof that I owe a debt and they are not permitted to contact me until they have proven it. 

If there is some proof that I owe a debt, please provide that proof to me so that we can further discuss it. However, I have never done business with XXXX and therefore have no reason to believe that this is a valid debt.

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 2018-12-15 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: Byrider Franchising, LLC
State: TX

Complaint narrative:
I have already paid off XXXX and it shows on my profile as a charge off which is hurting my credit scote ... could you please assist me in fixing this problem please

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: FL

Complaint narrative:
Since I am a veteran and it involves the FCRA in a very consumer-focused state, the Offices of Senator XXXX, Attorney General XXXX XXXX ( Governor Elect ) and Governor XXXX XXXX of Maine have all shown an interest in this situation, and most advice seems to lead to the FTC. Thank you in advance for any help provided.

In addition to many other resulting expenses involving high interest rates on low value credit cards, difficulty getting a good job equal to my experience and education, and the inability to purchase or lease a car, XXXX just denied denied me a credit card because XXXX incorrectly reported my FICO score at XXXX instead of about 800 as it should be. All 3 bureaus refuse to repair their database models to fix this obvious problem. They dropped my FICO score by 180 in XX/XX/2017 by error and say they can't or won't fix it. Either way appears to me to violate the law?! I believe there must be tens of thousands if not hundreds of thousands in this same situation.

An XXXX supervisor I spoke with admitted to me on the telephone they do and can not not adjust scores when it is proven to them and admitted by the billing entity that it made a mistake even when the original 30 / 60 / and 90 day late and collection in my case are removed at their request.

Today XXXX reports FICO at XXXX, and Transunion the same.

The error was for an emergency room visit In XX/XX/2017 the Veterans Administration should have paid. My FICO decreased due to one ER room visit that the VA owed as follows : 1. XX/XX/17 XXXX ( collection-related ) 2. XX/XX/17 XXXX ( collection ) 3. XX/XX/17 XXXX ( pre-collection ) 4. XX/XX/17 XXXX. ( 60 days ) 5. XX/XX/17 XXXX ( 30 days ) Total : -180 This is a simple fix to a database program.

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 2018-12-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since I am a veteran and it involves the FCRA in a very consumer-focused state, the Offices of Senator XXXX, Attorney General XXXX XXXX ( Governor Elect ) and Governor XXXX XXXX of Maine have all shown an interest in this situation, and most advice seems to lead to the FTC. Thank you in advance for any help provided. 

In addition to many other resulting expenses involving high interest rates on low value credit cards, difficulty getting a good job equal to my experience and education, and the inability to purchase or lease a car, XXXX just denied denied me a credit card because XXXX incorrectly reported my FICO score at XXXX instead of about 800 as it should be. All 3 bureaus refuse to repair their database models to fix this obvious problem. They dropped my FICO score by 180 in XX/XX/XXXX by error and say they can't or won't fix it. Either way appears to me to violate the law?! I believe there must be tens of thousands if not hundreds of thousands in this same situation. 

An XXXX  supervisor I spoke with admitted to me on the telephone they do and can not not adjust scores when it is proven to them and admitted by the billing entity that it made a mistake even when the original 30 / 60 / and 90 day late and collection in my case are removed at their request. 

Today Experian reports XXXX at XXXX, and XXXX the same. 

The error was for an emergency room visit InXX/XX/2017 the Veterans Administration should have paid. My FICO decreased due to one ER room visit that the VA owed as follows : 1.XX/XX/17 XXXX ( collection-related ) 2. XX/XX/17 XXXX ( collection ) 3. XX/XX/17 XXXX ( pre-collection ) 4.XX/XX/17 XXXX. ( 60 days ) 5.XX/XX/17 XXXX ( 30 days ) Total : XXXX This is a simple fix to a database program.

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 2018-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX and they have ignored my request. 

They keep placing new, negative, payment activity monthly on an account from XX/XX/2014 that they filed an insurance claim for and sold to a collection agency. 

How does an account that was charged off have new activity on it from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? How does a closed, charged off and sold account have a late payment, past due balance and balance? 

These erroneous error are messing up my monthly payments, balances used and owed and over all utilization. 

Can you please tell them to review this account and stop reporting new, incorrect, illegal and violations to my credit report monthly? 

The should correct the inaccuracies on this account or delete this account immediately, like they were asked to do since XX/XX/XXXX. 

I contacted the credit agencies and my credit file is still inaccurate. 

These error are preventing me from obtaining a mortgage, credit cards and loans.

Company response to consumer: Closed with explanation