vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-05 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: GA

Complaint narrative:
I have sent several requests for Experian and XXXX to delete the inaccurate information in my credit file regarding XXXX XXXX XXXX account number XXXX. The Court approved a settlement on XX/XX/XXXX, which I am bound by the final judgment and the release of claims in the agreement : 1 ) Cease all efforts to collect deficiency balances from the class members 2 ) Update account records to reflect a XXXX balance on all accounts on which assessed a deficiency balance 3 )  Instruct credit rating agencies to delete trade lines with respect to their accounts. Experian deleted this information in XX/XX/XXXX but then allowed XXXX to furnish the erroneous information in my credit file again without notifying me. Under FCRA it states that if the item is reinserted then the credit bureaus have to provide you with a written notice within 5 business days. The credit bureau must investigate any information you feel is incorrect. If the information proves incorrect, the agency must remove it from its files and, on your request, inform those who have received the information that it has been removed.The alleged audit or review did not verify the accuracy of the balances claimed were owed because XXXX did not evaluate whether fees were correctly assessed and did not perform a complete audit or review of the account for error. DISPUTE 1 ) XXXX modified terms of the contract without written notice : In XX/XX/XXXX an extension contract was established and was written to terminate on XX/XX/XXXX. Unbeknownst to me, XXXX altered the maturity date again to terminate XX/XX/XXXX. At the time of this agreement, the loan had 54 months remaining. XXXX added an additional 6 months to inflate the principal balance. DISPUTE 2 ) The account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when the account first became delinquent. The correct delinquency date is XX/XX/XXXX. DISPUTE 3 ) The Court ordered XXXX to refund back all the interest already paid that was above the amount a car-loan lender in Ohio can legally charge you or forebear all collection efforts. XXXX has not adjusted the balance and Experian refuses to comply with the judgment order to delete this information from my consumer file. The monthly payments were {$450.00} and 25 % ( {$220.00} ) was applied towards finance fees. The reporting account balance and its entirety is inaccurate and as ordered should be deleted from my credit file. I also called them and they refuse to investigate it 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 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
on XX/XX/2019 i put in a dispute with chex systems they did not investigate by the law of the fair credit reporting act and left the inaccurate and incomplete information on my consumer report this issue need to be address.

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 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I called Equifax today at XXXX because the current address listed on my recently obtained credit report was wrong. The representative I spoke to was located in the XXXX. I have not consented to having my credit information shared with call centers outside of the United States. I'm concerned about how my personal information and privacy is protected in third countries with weak contract enforcement and weak rule of law. This is especially true given the XXXX data breach that exposed the personal information of 147 million people. Equifax also could not tell me which credit company incorrectly reported to it in XX/XX/XXXX an address I lived at 8 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Student Loan Finance Corporation
State: NE

Complaint narrative:
I was am ineligible student at an ineligible school that is not accredited in the United States nor on the federal school list. The school is also not eligible under title IV to receive financial aid. I filed for bankruptcy in XXXX of 2016 and the company continued to collect the debt regardless of the stay. The judge approved the bankruptcy. The company still attempts to collect. I have referred them to my attorney. The company is not exempt from bankruptcy law and must abide by the court 's ruling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2019 my card was charged 4X the amount approved for a purchase. I immediately contacted the selling company and cancelled my order PRIOR to the charge posting to my account. The next day I saw the pending charge for 4 times the actual amount. I immediately contacted American Express serve and was told they couldn't do anything until it posted. The next day I contacted them and told them it was a fraudulent charge and I was unable to receive a response from the merchant. They weren't answering the phone or fb messages or emails. I have 5 emails of proof that I cancelled this order immediately I have NEVER received any product and amex REFUSES to credit my account. As a XXXX   XXXX {$92.00} goes a LONG ways to feed my kids. Amex serve has done MANY other sketchy things with regards to holding funds that weren't theirs .... holding direct deposits etc. I want my money refunded and this account CLOSED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I was an ineligible student at an ineligible school that is not accredited in the United States nor on the federal school list. The school is also not eligible under title IV to receive financial aid. I filed for bankruptcy in XXXX of 2016 and the company continued to collect the debt regardless of the stay. The judge approved the bankruptcy. The company still attempts to collect. I have referred them to my attorney. The company is not exempt from bankruptcy law as the debt was made through a for profit company and must abide by the court 's ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Please update/remove the Address, Names, Employer information. Please see attached document with details.

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 2020-01-05 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: GA

Complaint narrative:
I have sent several requests for XXXX and Equifax to delete the inaccurate information in my credit file regarding XXXX XXXX XXXX account number XXXX. The Court approved a settlement on XX/XX/XXXX, which I am bound by the final judgment and the release of claims in the agreement : 1 ) Cease all efforts to collect deficiency balances from the class members 2 ) Update account records to reflect a XXXX balance on all accounts on which assessed a deficiency balance 3 ) Instruct credit rating agencies to delete trade lines with respect to their accounts. XXXX deleted this information in XX/XX/XXXX but then allowed XXXX to furnish the erroneous information in my credit file again without notifying me. Under FCRA it states that if the item is reinserted then the credit bureaus have to provide you with a written notice within 5 business days. The credit bureau must investigate any information you feel is incorrect. If the information proves incorrect, the agency must remove it from its files and, on your request, inform those who have received the information that it has been removed.The alleged audit or review did not verify the accuracy of the balances claimed were owed because XXXX did not evaluate whether fees were correctly assessed and did not perform a complete audit or review of the account for error. DISPUTE 1 ) XXXX modified terms of the contract without written notice : In XX/XX/XXXX an extension contract was established and was written to terminate on XX/XX/XXXX. Unbeknownst to me, XXXX altered the maturity date again to terminate XX/XX/XXXX. At the time of this agreement, the loan had 54 months remaining. XXXX added an additional 6 months to inflate the principal balance. DISPUTE 2 ) The account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when the account first became delinquent. The correct delinquency date is XX/XX/XXXX. DISPUTE 3 ) The Court ordered XXXX to refund back all the interest already paid that was above the amount a car-loan lender in Ohio can legally charge you or forebear all collection efforts. XXXX has not adjusted the balance and XXXX refuses to comply with the judgment order to delete this information from my consumer file. The monthly payments were {$450.00} and 25 % ( {$220.00} ) was applied towards finance fees. The reporting account balance and its entirety is inaccurate and as ordered should be deleted from my credit file. I also called them and they refuse to investigate it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: Verisk Analytics Inc
State: CT

Complaint narrative:
The account of XXXX XXXX XXXX is the result of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Please update/remove the Address, Names, Employer information. Please see attached document with details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please update/remove the Address, Names, Employer information. Please see attached document with details.

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 2020-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
To whom it may concern my husband and I try to get a loan modification with our bank back in XXXX of 2019 due to a loss of income and a job injury we submit paperwork to get the process started in XXXX of 2019 they kept coming back to us that they needed more information so we submitted what they asks for that went on for months know they telling us we dont qualify for a never loan modification due to we had three already we was definitely not informed of that we thought a modification program was a program of you needed help do to a situation Beyond your control. Why was we not informed of this back in XXXX are early XXXX why did they wait so long to where our payments are way behind now now they threatening foreclosure Proceedings on us that will make my family and I homeless because we have no where to go our situation has gotten better we have since decrease our monthly expenses is we just have our monthly payments back and the money we owe to the back are they can give us a payment plan over time to pay back what we owe please help my family thank you

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 2020-01-05 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: NV

Complaint narrative:
experian XXXX and XXXX hace derogatory listed on my profile.i am disputng those derogatory posted.

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 2020-01-05 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: NV

Complaint narrative:
XXXX XXXX and transunion hace derogatory listed on my profile.i am disputng those derogatory posted.

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 2020-01-05 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: NV

Complaint narrative:
XXXX equifax and XXXX hace derogatory listed on my profile.i am disputng those derogatory posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Syncrony Bank  who is the bank for many department store credit cards such as Old Navy, JcPenny, and Rooms to Go have consistently lowered credit lines based on what they refer to as periodic credit reviews even when the customer has paid on time as agreed. The problem with this is by them lowering the credit availability while the is still a balance it increases the customers net fraction burden which lowers the customers score even more. The is causing harm to the consumers as it has a direct impact to the customers credit score. The bank also sites high balances relative to credit availability as a reason to lower the original approved line amount. Their actions are a cause of the very reason they are using to justify their actions of reducing customers credit availability.

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 2020-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: PA

Complaint narrative:
On Thursday XX/XX/XXXX, we attempted to purchase our pet 's food from the veterinarian using my husband 's debit card. It was declined. We knew we had plenty of money in the bank and was upset at this issue. Prior to this transaction, the night before, we had done a little bit of gaming online with an online casino, which online casino playing had become legal in XXXX of 2019. When we questioned the bank why the debit card was declined we were first informed that it was due to a problem purchasing a movie on XXXX for XXXX XXXX that we wanted to watch and that we should call the bank 's fraud department. We called the bank 's fraud department and they stated they had no idea why the card was declined because there was no notes in the system. When we spoke to the branch that we opened the account in, the person stated the branch manager at the other location had shut it off but again no notes were given. When we questioned the branch manager she said that they had the right to shut the card off due to online gambling. When reading the bank 's rules on gaming, it stated that only if it was illegal, which it is not in PA anymore. The bank manager was acting like a parent and stated " We were warned not to use the debit card for online gaming ''. She alone shut the debit card off to the point we had to order a new debit card because there was no way to turn the card back on. I feel this is an injustice to consumers. The branch manager clearly had power issues that went to her head. If the fraud department didn't catch this or find it a problem, then where did the branch manager have the right to do this? It was as if she was just waiting and watching to see if we would play online again and the next day took great pleasure in shutting my husband 's debit card off leaving him without a means to purchase fuel and necessities while working as a XXXX  XXXX Sure, he could use my debit card, but where does that leave me also when without one for daily needs? Needless to say, we are shutting our accounts at this bank because if the branch manager can have all this power and dictate how consumers can use their hard earned money, then why use this bank? I certainly do not want to be dictated to in how to manage our money.

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 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi my name is XXXX XXXX and I want to make a dispute about my credit score. In the past few years I was applying for a lot of banks and credit unions because I have no god experience with everything that Involves with credit back then now I have know about credit. So I writing this to help me fixed my credit score back to normal and have good advice to keep a good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: CT

Complaint narrative:
The account of XXXX XXXX XXXX is the result of fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 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: CORELOGIC INC
State: CT

Complaint narrative:
The account of XXXX XXXX XXXX is the result of fraud

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 2020-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
On or about XX/XX/XXXX I leased a XXXX XXXX XXXX from XXXX XXXX XXXX, located in XXXX, VA XXXX. On XX/XX/XXXX I returned the vehicle to the same dealership as per the lease contract. On or about XX/XX/XXXX I returned the license plates to the VA DMV located on XXXX XXXX XXXX in XXXX, XXXX Because I was not the registered owner of the tags the DMV representative advised me that he could not provide me with a receipt. In XXXX of XXXX I received a bill from Acura Financial Services ( AFS ) in the amount of {$110.00}. I immediately called their customer service office and was told that the {$110.00} was for taxes owed for the XXXX in XXXX. I explained the above information to them. They have repeatedly requested more documentation from me, which I have already explained that I can not get from the DMV. I contacted the XXXX XXXX County tax offices and was able to obtain a copy of the tax bill for the XXXX, which again was not registered to my account. I submitted the tax bill to the AFS office in order to clear up the outstanding balance. I have attached a copy of the tax bill from XXXX tax office, which shows that the XXXX account was closed on XX/XX/XXXX, to this complaint. ( Somehow XXXX was notified that the license plates were returned to the DMV ). AFS continues to send me bills and letters to include a tax bill that clearly shows that the taxes due are for XXXX. In one such letter they stated that I owe {$640.00}. When I questioned the AFS customer service rep, that called me about this very account, she could not explain the {$640.00} amount. It is apparent that AFS does not have good record keeping practices and obvious that I did not have the vehicle in XXXX, as their records will show. Therefore I do not owe any taxes for the vehicle in XXXX. AFS continues to call and harass me on a regular basis and has recently sent documents to the credit reporting companies, which have already adversely affected my 800+ credit score.

Company response to consumer: Closed with explanation