vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX and I would like my situation investigated please. I have disputed a very old account over and over again that is appearing on my Equifax and XXXX credit reports. Its been over 7 years that this XXXX account # XXXX ... has been inactive and paid and it is still showing false and incorrect information against me and its been ruining my score for so long now. I have contacted the bureaus individually and was not given any investigative results and also I 've contacted the company directly as well and was not given any forms of papers or validation to show me how and why this account is still appearing on my reports. <P/>I have repeatedly asked this account to be removed as it is defiling my credit report because violating FCRA law section 605. ( 15 U.S.C. SEC 1681c ) part ( a ) number ( 4 ) : it states " accounts placed for collection or charged to profit and loss which antedate the reports by more than seven years ''. <P/>XXXX 's does not even posses any paperwork with properly dated material that shows precisely when the last amount was paid and sent straight to profit and loss. This was in the very beginning of 2010 and both accounts have been re-aged, are inaccurate and make no sense compared to eachother. They both contain dates off by years and XXXX has been completely ignoring any of these discrepancies which I have been stating. There is no proof of dates or reasons and nothing was provided to me initially when I requested a proper investigation from Equifax, XXXX and XXXX XXXX. Therefore this is outrageous and illegally reporting against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Student loans in my name with wrong address and amounts. I did not take out the loans and I 've explained to the credit bureaus and Navient. They are both refusing to help me correct this matter. Both companies sent me letter stating they validated my claim. without letting me know hoe, who validated the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I use Regions Bank and have 2 checking accounts and one savings account. I have the both checking account set up for taking out of savings if if checking accounts overdraft. I also called to have secondary checking account draft money from main checking account if not enough in savings. Last night my second checking account overdrafted. and there was not enough in savings but I was charged a {$36.00} fee because money was.not drafted from primary account account. I called and was told money can not be drafted from primary account to cover secondary account. I told the supervisor that I had called a couple months back and service representative said I could draft from primary account. This bank is practicing unfair trade actions and should be avoided

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
In XXXX 2017 I attempted to get a loan modification and it was denied in XXXX 2017 with no specific reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA reporting late payment and upon review of documents submitted previously I still maintain the following which this company has yet to address : " USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXX USAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX '' SEE ATTACHED EXH A. <P/>Sure they called XXXX XXXX several times but we all know the amount of nusiance calls received, however, that does n't get USAA off the hook for failure to contact me. I checked my credit report and it lists my employer and phone number. They could have easily contacted me to resolve the missed payment. I also have the absolute right to know I signed for a loan and review for proper contact information. If this turned out to be fraud what would USAA do exactly. They fail to address my issue or return my phone calls. <P/>Look I am still in XXXX and this has tanked my credit score. I have attempted to contact USAA and left numerous voice mails and NO ONE returns my call. Who do I complain because this company does n't return phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
In XX/XX/XXXX of 2006 we took out a " home equity '' loan from a company call XXXX XXXX a division of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. Yes, we were XXXX. I 'll get that out right off the bat. But, this was all so questionable/illegal, at least in my opinion. <P/>They valued our house at {$170000.00}. Our house was never worth that much, ever. They somehow made that number up. we only paid {$120000.00} for it. This has to be illegal. to over value a property so they could loan {$40000.00} on it 's supposed equity. we had only had the house for a few months so there was no way there was {$40000.00} in equity in it. <P/>then, the original loan papers said the interest rate was 13.5 %. what happened next has to be illegal too. XXXX XXXX, which is actually owned by HSBC mortgage, " sells '' the mortgage to HSBC. then the interest rate goes up to 18.574 %. <P/>We have paid {$53000.00} on this {$40000.00} loan. from the original contract, they expected to be paid {$110000.00} for the loan. Now, we did XXXX sign that paperwork, but the load never should have been made on a house that was purposely overvalued at {$170000.00}. there has to be some remedy for this predatory lending. It is killing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX has this debt to multiple agencies and some at the same time. Original account was discharged in bankruptcy. Agency claims account was not closed and remained opened when I in fact lived in another state. The debt has now been sold to 6 different agencies caused hardship and even prevented the approval of my home loan due to multiple collections listed by this same creditor. When I call XXXX directly they say they can not verify my account. They 've asked me to travel to their nearest location which is hours away to show proof of ID and when I have gone my identification does not match the account so they do not assist me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I sent in debt validation letter to XXXX XXXX on X/XX/2017 certified mail and received a response on XXXX XXXX, 2017, from XXXX XXXX saying, " You indicated that you wish to dispute or verify information on your credit report. In your correspondence, you did not indicate what specific information you were disputing or verifying. '' They claim that I did n't say what I was disputing but a copy of my debt validation letters states in writing that I said " I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. '' I also told them that this was " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. '' XXXX XXXX did not provide me adequate proof that this is my debt all they provided was a bill that 's not mines, XXXX XXXX in return sold the debt to Jefferson Capital on XXXX XXXX, 2017, after my debt validation letter was sent out and signed for. Jefferson Capital then contacted me and I sent them a letter too on XX/XX/XXXX and they sent the account back to XXXX XXXX that sent out a copy of 3 bills on XXXX XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
I asked the company verbally as well as in writing via CFPB to STOP ACH withdrawals from my checking account. They also harass by calling  6-7 ti mes per day from out of state numbers and not identifying themselves on the voicemails. I return the call the reps are extremely rude and hung up on me.

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 2017-07-13 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: FL

Complaint narrative:
Student loans in my name with wrong address and amounts. I did not take out the loans and I 've explained to the credit bureaus and XXXX. They are both refusing to help me correct this matter. Both companies sent me letter stating they validated my claim. without letting me know hoe, who validated the 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 2017-07-13 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: KS

Complaint narrative:
credit inquiries that i did not do are on 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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I called care credit to check amount balance, at this time i was unable to to obtain information due to my date of birth being incorrect in their system as well as my address. I was unable to verify the security that was asked. Fast forward the bill was then forward to a collection agency I contacted the collection and made a payment arrangement as well as provided my correct address and date of birth. Care Credit was previosuly removed from credit report and now care credit has reappeared on my credit report. I have attempted to dispute this with care credit XXXX i spoke to a XXXX who inform me it would take 30 days from payment to remove ( which was in XX/XX/XXXX ) then she told me i need to dispute with the credit Bureau XXXX I have currently trying to get this updated now and it is still not working.

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 2017-07-13 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: KS

Complaint narrative:
credit inquiries that i did not do are on 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 2017-07-13 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: EQUIFAX, INC.
State: KS

Complaint narrative:
credit inquiries that i did not do are on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: CA

Complaint narrative:
My name is XXXX XXXX and I would like my situation investigated please. I have disputed a very old account over and over again that is appearing on my XXXX and Experian credit reports. Its been over 7 years that this XXXX account # XXXX ... has been inactive and paid and it is still showing false and incorrect information against me and its been ruining my score for so long now. I have contacted the bureaus individually and was not given any investigative results and also I 've contacted the company directly as well and was not given any forms of papers or validation to show me how and why this account is still appearing on my reports. <P/>I have repeatedly asked this account to be removed as it is defiling my credit report because violating FCRA law section 605. ( 15 U.S.C. SEC 1681c ) part ( a ) number ( 4 ) : it states " accounts placed for collection or charged to profit and loss which antedate the reports by more than seven years ''. <P/>XXXX 's does not even posses any paperwork with properly dated material that shows precisely when the last amount was paid and sent straight to profit and loss. This was in the very beginning of 2010 and both accounts have been re-aged, are inaccurate and make no sense compared to eachother. They both contain dates off by years and XXXX has been completely ignoring any of these discrepancies which I have been stating. There is no proof of dates or reasons and nothing was provided to me initially when I requested a proper investigation from XXXX, Experian and XXXX XXXX. Therefore this is outrageous and illegally reporting against me.

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 2017-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have been a Bank of America credit card customer since the late XX/XX/XXXX. Until recently their service has been excellent, but this XX/XX/XXXX I had my credit card compromised. I was issued a new card by B of A and I destroyed my old one. But evidently, B of A did not close down the old card number, rather they left it active and fraudulent charges made on it rolled over to my new card. Now, this month, THREE MONTHS after the old card was supposedly deactivated by B of A, I have fourteen fraudulent charges show up on my statement from the old card number. After multiple phone calls to the B of A fraud line, I think I have it resolved but it took me five days, with a phone call and long waits on hold each day. I was given three incorrect numbers for the fraud dept. before finally getting the correct number. Even with that, I usually end up with a customer service person when I call it, rather than the fraud dept. and so get transferred and have to wait again and again. I have talked to no less than a dozen people while trying to remove the fraudulent charges. If this is happening to others, I wonder if B of A is scamming the cash flow by leaving charges on statements, then dragging their feet when resolving them for their customers. Or are they just extremely incompetent now? Either way, I am considering closing my account and getting a card through another bank. Very inconvenient and stressful, a big waste of time for me, the 'valued customer '.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13 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: MD

Complaint narrative:
my lawyer has been disputing a false inquiry which reported on all three credit reporting agencies all but TransUnion has removed this error.

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 2017-07-13 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
A 30 day late payment was inaccurately added to my Barclays credit card account in XXXX of last year. I called Barclays multiple times and after explaining my situation and how this was inaccurately reported to my credit, the representatives said they would look into removing the 30 day late payment mark from my report. <P/>It has been a couple of months since then and the 30 day late is still reporting on the payment history of my Barclays credit card. <P/>I am very happy with my Barclays account and I intend to keep it open for a long time. I have continued using and making payments on the account. I know I did not pay my account late, I have always made my payments on time. <P/>There should be multiple records of the conversations in the notes for my credit card account.

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 2017-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Although within my credit limit, CitiCard blocked a transaction from being authorized. When I called to rectify the situation, I was told that nothing could be done because their system was down and they could not explain to me why my transaction was being blocked nor could they authorize the transaction. I was told to call back in 2 hours and they could hopefully resolve this situation. This was an unacceptable response. <P/>This prevented me from using the 0 % interest for 21 months that was a key feature of my product.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13 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: NC

Complaint narrative:
It shows that I have a few debts on my credit that does n't belong to me. One is XXXX XXXX XXXX and the other is XXXX XXXX. There 's a bunch of hard inquiries that do n't belong to me either from banks and retail cards. I dont have any retail cards. I only have 1 credit card and that is with XXXX XXXX. The one credit card account I have is n't showing on my credit either.

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 2017-07-13 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: IL

Complaint narrative:
After many hours of studying the law and research of the protection consumer laws, I have sent several letters to Transunion XXXX and XXXX regarding fraud on my credit report related to an address in XXXX, IN. Four XXXX XXXX student loan unverified with no contract or proof, with a letter from the Office of XXXX XXXX. The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have two fraudulent bankruptcies 1 on XX/XX/XXXX and the 2nd on XX/XX/XXXX. In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to the Consumer Financial Bureau to get assistance when these agencies are n't following the proper rules laid out by Congress in the FCRA and FDCPA.

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