vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 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:
On XX/XX/2018 I noticed that my credit score with XXXX dropped by 76 points over night! I contend that this is not only arbitrary, but also credit discrimination. I also noticed the numerous inaccurate information and account claims on my report which I immediately requested that same be investigated. 
How can my score dropped 76 points overnight when I consistently pay my creditors? 
I contend that this tremendous drop in score is discriminatory, unfair, and bias! 
I am requesting an investigation immediately and a resolution of this grave infraction to my credit welfare and health! 
In addition, I noticed my credit score dropped by 27 points with Equifax. I contend that this is also arbitrary and discriminatory. I am asking that same be investigated as well. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I submitted a dispute letter to Equifax on XX/XX/18. I received a letter dated XX/XX/18 on XX/XX/18 requesting proof of identity and address. With my dispute I included a copy of my military id which includes my social security number and copy of a social security/veterans XXXX letter with address. In the XX/XX/18 letter they request such proof like a bank statement. Who in their right mind would send a bank statement. A copy of my award letter to me from the veterans administration or social security seems more than reasonable. And a military id with my ssn on it is federal and cant be anything but proof of id. Equifax is undoubtedly attempting to delay the investigation and would attempt to use this request as a way to delay. If i submit the items they will undoubtedly use the 15 days additional info clause. This is a rediculous attempt to subvert the FCRA and its 30 day provision ... to remove the items if not completed provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was not aware of this student loan company I only had loans with the XXXX XXXX XXXX   and XXXX and Chase and have never heard from this company in XXXX my uncle said the sheriff delivered a letter to parents old home in XXXX ga I went to court and the judge told the the attorney that was representing this XXXX XXXX XXXX company that they needed to provide proof of how they got my loan and how did they try to contact me before entering into judgement. They never did that in XXXX they filed papers again in XXXX county I went to court with them explained to the judge and he basically told them the same thing. It was a different attorney from the same firm and he was rude the attorney is XXXX XXXX  XXXX. They garnished my wages in XXXX while I working for XXXX XXXX as well and they have never produced any documents. On Friday the XX/XX/XXXX I received a letter that they are garnishing my wages and they have never provided proof on how they acquired my loan. I was still in college until XXXX so I have never been giving a chance on any if I owe this people. They are stating I owe XXXX and the totally is XXXX I do not have any loans for that amount. I do not know what else to do I have file claims before with the CFPB on this company and nothing has been done, but I see a lawsuit is out on this company I am seeking assistance to get this garnishment stopped and my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: D2 Management LLC
State: TX

Complaint narrative:
I recieved a call from D2 management regarding a payday loan in which I never received. Was told this was XXXX loan from XXXX XXXX and I informed them that I havent gotten a loan and I ended the phone call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: NC

Complaint narrative:
For the past year I have been working to not only repair my credit but remove fradulant credit information from my reports. I have taken all necessary actions to report this info from filing the neccessary paperwork with the Federal Trade Commission as well as filing a police report at which all 3 credit bureaus have received and been notified of the beginning of this year. I have recently sent via certified mail request to remove the referenced accounts from my report as well as inquiries that where not authorized. My information has not only been stolen but also my information has been leaked in numerous breaches which include, XXXX breach, XXXX Breach, XXXX/XXXX   Breach, XXXX XXXX XXXX Breach and XXXX. To date on 1 credit bureau has complied with my request and removed the accounts. I am now writing to request that you assist me with having XXXX and Experian comply with my request. Majority of the accounts where opened online. And being that all my information was leaked in the XXXX breach, great consideration should be taken as that breach not only disclosed my social but my addresses, drivers license number, DOB and  credit information. I would appreciate getting Support to have the accounts and inquiries removed. As I have done everything on my end in reporting this 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 non-monetary relief
Consumer complaint received 2018-07-30 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I have a credit report dated XX/XX/XXXX in which it shows the American Honda Finance account as " settlement accepted on this account-paid charge off - legally paid in full for less than the full balance ''. The comments are listed on the American Honda Finance account with all 3 bureaus on the credit report from XX/XX/XXXX. I looked at a more recent credit report dated XX/XX/XXXX and the same account American Honda Finance is listed with XXXX with a past due balance of {$5600.00} and the comment states " profit and loss writeoff - charge off as bad debt ''. Please note I settled this account and legally paid in full less than the full balance. There should be a {$0.00} balance and the comment should reflect " legally paid in full for less than the full balance '' like it used to last year in XXXX. This is an error and I have disputed it with American Honda Finance and XXXX but it has not been corrected. My credit suffered tremendously when they put a debt back on my credit report that is not correct, it increased my debt to income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: GA

Complaint narrative:
I was facing foreclosure in XXXX and the XXXX XXXX through XXXX XXXX began the process. However, it was stopped and I began making payments of XXXX with the understanding that I would be placed in a program to bring my loan current ( 6 months trial ). In XX/XX/XXXX, my loan was sold to XXXX XXXX XXXX XXXX XXXX XXXX and because I was late with one payment, they began the foreclosure process. Even as I continued to make payments, XXXX XXXX sent them back to me and informed me that they were no longer accepting my payments. I've enclosed information that I received from 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 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX Store Credit Card ) ending in XXXX. I received a late notice from XXXX XXXX  saying that I was late and the company also assessed a late charge of {$38.00} to the account for the month of XX/XX/XXXX. The account is interest-free until XXXX and with a minimum payment of {$68.00}. However, on XX/XX/XXXX, I made a payment to the account for {$100.00} to was meant for XX/XX/XXXX. A called the bank on XX/XX/XXXX, to correct the payment and to have the payment applied to the XXXX month. I was told the payment had already applied to the principle and as such the payment could not be moved or credited to the right month of XX/XX/XXXX. 

This a scare tactic that the bank has employed to frustrate customer into paying off the account since they know they are not earning any interest. I was actually told that " they could not help me ''. In order to prevent any negative marks on my credit, I made a payment of {$68.00} on XX/XX/XXXX. With the payment, they received two payments from XX/XX/XXXX. 

I believe the bank is discriminatory towards customer they are not making interest payment off. I think the bank is out to frustrate customer with these accounts into paying off the account early through harassment and servicing frustrations. XXXX XXXX   needs to be held accountable for such acts as they are making other financial service companies look bad.

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 2018-07-30 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: NJ

Complaint narrative:
On XX/XX/XXXX, Equifax sent me a letter indicating that a creditor had reported a new address for me. This letter was received on or around XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I called the phone number on the letter ( XXXX and spoke with XXXX . He confirmed the address on the file was the one mentioned in the letter. ( This was an address that I lived at over 10 years ago. ) I explained that I wanted to know who reported that. He couldn't help with that request. I explained that I was going overseas on XXXX and wanted to try to clear up any possible ID fraud or errors before I left in an effort to mitigate any potential damage to my credit report in my absence. I asked to speak with his manager. I was transferred to XXXX. She couldn't help any further. She told me the only way to correct it was to FAX a copy of my drivers license and lease to XXXX. 

On XX/XX/XXXX at XXXX, I called XXXX ( XXXX XXXX Customer Service ). Requested a call back from automated service. At XXXX, received call from XXXX . I explained the situation and he said he couldn't help, as he was only tasked with helping with billing or website access issues. Told me to call Global Customer Care Department at XXXX. 

On XX/XX/XXXX at XXXX, called XXXX. Requested a call back from automated service. At XXXX, received call from XXXX . I explained the situation and he said he also couldn't do any more than XXXX or XXXX. 

On XX/XX/XXXX at XXXX, called XXXX ( Equifax customer service number found online ). At XXXX, XXXX answered. I explained the situation and she said she couldn't do any more than XXXX or XXXX. 

I won't have access to a fax machine until tomorrow ( XX/XX/XXXX ), but I will be faxing my lease and drivers license to Equifax first thing tomorrow morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Data Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted Tele-Check that my bank had sent back a check I wrote on XX/XX/XXXX for XXXX after I had deposited a check for XXXX into my acct to cover the check. I called them because my bank sent it back talking about holding my funds so they could collect as much interest on as much, I know this only caring about themselves not the customer. I spoke w/a XXXX-collector Desk XXXX at Tele-check, not to even go into how inappropriate this person was w/her personal opinions as oppose to sticking to the facts. The reference number for the call that I insisted on is XXXX. I called in advance to ward off them taking XXXX my acct because they could and the funds were there, this is WRONG. I believed this money would NOT be taken out after the call and heads up warning for the check did clear as XXXX and I discussed on XX/XX/XXXX. She tried to get me to pay another XXXX that day?? then they would have gotten XXXX from me, to earn interest and return to me at their will and leisure. Really, a manger needs to pull that call. On XX/XX/XXXX XXXX was taken out of my acct because they could and have access, the risks you run of writing a check these days!! It's check number XXXX XXXX XXXX XXXX XXXX XXXX. 
Tele-check trace number XXXX. They should not be allowed to just capitalize off of ppl like this because my check WAS good and written in good faith. I had NO idea at the time of writing the check my bank would not honor after I knew I had the funds coming to cover.

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 2018-07-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
After writing to Citibank regarding a Best Buy Account that was closed, I received a letter dated XX/XX/2018 from XXXX XXXX at the executive response unit that indicated they were opening a dispute with the credit reporting agencies. That was more than 30 days plus the XXXX days for mailing that they are allowed. 

The FCRA states that there is 30 days plus five days for mailing in order to complete the investigation. The FCRA also states that the consumer should be notified in writing the results of the dispute. At this time I have not received a notification of the dispute and the information has not been verified within the thirty day time period and at this time must be deleted pursuant to the FCRA.

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 2018-07-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been dealing with XXXX and the various different collection companies they employ for over 15 to 18 months on this issue, I have responded to these attempts to collect a debt over 8 times with request to validate the debt and they have yet to comply with the request in a timely manner. When they do respond the information I get is the same information a contract to XXXX and an undated, no letter head, no identifying information list of transaction they say is a statement of account which is incomplete and unable to be authenticated. They do not send any proof that they are the owners of the debt when this debt went into collections. Finally they illegally collected {$1500.00} from my bank account, prior to validation of the debt was ever done as I provided with a request to settle the debt and a payment plan if they could provide all the validation information. It was 6 months before I realized they had begun to draft from my account without consent, prior to validating the debt. They are also sending letters to my ex-father-in-law who they apparently say is a cosigner to this invalidated debt. I have request validation 7 times in the past 15-18 months to no avail, and this is now becoming such a frustration that I am going to have to seek legal support and handle this matter. The apparent debt that is owed is over 12 years old and was in the same timeline of debts that XXXX fined for and have pending judgements against.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Only XX/XX/2018 i upgraded my Equifax membership with the Equifax 3 Bureau Credit Report and Score which is offered on the equifax website. 

I noticed with this 3 Bureau Credit Report and score, both my Equifax and XXXX did not generate my current credit card although it was reported and both showed a much lower credit score Equifax went from XXXX to XXXX although i have no negative accounts or late payments. 

I called Equifax on XX/XX/2018 when i was made aware of this. I was also told there was a glitch, I noticed Equifax was reporting a fake score for both Equifax, XXXX and XXXX   and i made the employees and supervisors aware of this. 

During the week of XX/XX/2018 i was told the errors would be corrected and updated in a in 2 - 3 days, so i waited and nothing happened.

I Called back again on XX/XX/2018 and was told by Equifax they are aware of this credit score and reporting glitch and they are working on it and it would be fixed by XX/XX/2018. 

Instead of calling back on XX/XX/2018 i waited until Tuesday XX/XX/2018 to try and get an accurate credit score and report, and was told they are still working on it by a supervisor and was told this glitch would be fixed on XX/XX/2018. 

So i waited a few extra days to call back and made another phone call on XX/XX/2018 and spoke with an Equifax employee and was told they are still working on the credit score and report glitch, this employee told me i will need to wait 7-10 additional days for this error to be corrected, i told this employee i have been waiting on a fix to this fake credit score since XX/XX/2018, this employee responded sorry sir there's nothing i could do about it. so i asked to speak to a supervisor, the Equifax responded he will tell you the samething. 


Finally after 15 mins of being on hold on XX/XX/2018 i was transferred to a very rude, nasty, and disgusting Male Supervisor by the name of XXXX, very trashy and dismissive attitude, I tired to tell this supervisor the problem, but he kept cutting me off and talking over me, finally when he allowed me to get a word in, I told him this has been going on for weeks and nobody has solved the issue and everyone is telling me the same. 

Supervisor XXXX responded it will take 7 - 10 days to solve this problem, i explained that i received similar reply 's weeks ago and nothing has happened. This supervisor started to become rude and nasty, telling me i need to hangup, why am i still on the phone etc ... They way he responded didn't seem real. it was shocking! 

and as of XX/XX/2018 Equifax is still displaying fake credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Finance LP
State: MD

Complaint narrative:
Hello, I was working with another company regarding a business mater. 
I was told by the other company that I have not paid my mortgage since XX/XX/2018. I have paid my mortgage and the mortgage is current.. My mortgage is showing at the credit bureau that I have not paid my mortgage since XX/XX/2018. 
This can effect my credit score as well as other adverse actions.

Also, I have not received my mortgage statement since XX/XX/2018. When I call Selene Finance XXXX XXXX a customer service agent said a third party administrator will send the statement. I have been calling since XX/XX/18. 

Please help.

Company response to consumer: Closed with explanation