vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I had XXXX accounts that were an obvious data entry ( cut & spate ) error. I had a Bankruptcy and filed a XXXX for my car loan. All information was provided to the credit unions. A XXXX is a document that makes a loan outstanding Exemt from the bankruptcy. I signed a document stating I would pay my car loan as agreed. I ordered a copy of my credit report and it showed Pay Status paid as agreed. However, it comes up under adverse accounts because the remarks show chapter XXXX bankruptcy. I paid my car loan on time for XXXX years. Which is reflected on the account. Why then does it appear under adverse accounts and chapter XXXX. I disputed this and was sent the investigation results. XXXX loan was deleted bcz it was not mine. The XXXX XXXX loan pay status no longer shows paying as agreed. Now it says account included in bankruptcy. This is ridiculous. I was denied credit by the company I paid my loan to for XXXX years on time and extra money, XXXX XXXX. They denied me for poor performance on loan. What are they talking about. I have bank statements and previous credit report showing on time for XXXX years. I believe they are punishing me for my XXXX year old sons XXXX XXXX account poor performance. This should be illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian refuses to reinvestigate an account that can not be validated. They did an investigation XXXX 2013 and will not respond to a further investigation. XXXX placed a collection on my report which they can not validate and I have disputed numerous times to remove. I never opened a XXXX account, there is no payment history, no historical information, charge off statements, dates to validate any of the information, letters of dispute or collection, authorized user information, original terms and conditions of the account with original application and signature, yet monthly the account is updated as valid and late. This is in violation of the CFPB consent order XXXX with XXXX and the reporting requirements of FDCPA and CFPB.

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 2016-11-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello My name is XXXX XXXX XXXX I am XXXX and my birthday is XX/XX/XXXX. I recently decided to check my credit score because I have been working on paying off my credit cards and bill I have accumulated when I was unemployed. Now I am from XXXX, NC born and raised and I have never lived anywhere else outside of NC at all I went to College in North Carolina. I have incorrect information on my credit report of me living in states I have never lived or even visit and phone numbers that I have never had now this same issue came up when I was applying for my XXXX Debit card I had to send in identification because of those same things on my credit that do not belong to me I am trying to get my credit right and this is not helping at all and I also see inquires on my credit from credit cards I never even applied for and things I never even heard of now I only have XXXX credit cards XXXX and XXXX XXXX XXXX which is closed and One student loan that is open but in forbearance, XXXX account that is closed but I make payments on now only inquires I should have should be XXXX and XXXX XXXX XXXX I have been checking on my credit and getting notification with credit Karma now I decided to try the annual to see if it would show the same because I get notifications every time anything changes now I see this on Experian and its incorrect and I would this to be fixed please because I do n't not want things I never did or applied for to be following me around on my credit that is not right even my student loan people had my address in CA and I had to correct them and tell them that is incorrect I when to school in XXXX NC and XXXX NC which is the only time I every lived anywhere else for school and I had my own place in XXXX at XXXX XXXX which is correct but anything outside of NC is wrong and I never had a car loan my car has been paid off since I was XXXX and I never had I mortgage and I have only had XXXX jobs in my life since I have been working XXXX XXXX, XXXX XXXX and the job I am currently at now. If you could please correct this information I would greatly appreciated I can be reached at XXXXXXXXXXXX if you have questions or if I need to submit proof because I keep all paperwork for everything.

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 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
credit bureau Experian not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XXXX XXXXand with XXXX since XX/XX/XXXX till XXXX2. as my correct name -they showing XXXX names for me instead of oneI am XXXX XXXX only not anybody elsedisputed the same issues with XXXX and they promised to fix it, hopefully they will as well as othersPlease help me out because these situation continuing for a years and they are not helping at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have payed XXXX in full I try ed around 10 times to down load the receipt of full payment nothing owed on this account and it will not let me down load the info also they have a medical bill from XXXX XXXX for XXXX from XX/XX/XXXX I have full coverage medical insurance from XXXX Obama care and have had it for years and it 's scheduled to be deleted in XX/XX/XXXX from XX/XX/XXXX this is a fraud because I have no deductible insurance

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 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
In consideration of the recent announcement that the Federal Government is suing Navient we felt it important to make you aware of our situation with Navient. Currently my parents and I have XXXX student loans with Navient. The first XXXX loans are manageable ; however, the loan I received for my XXXX year is not. The first XXXX are Signature Student -Private loans and while the interest rates ( 5.250 % - 5.375 % ) on those are higher than the interest rates my brother received we feel like we at least can make some headway in paying them off. When we applied for the XXXX loan for my XXXX year we were lead to believe that the XXXX XXXX XXXX XXXX loan was the only choice we had as there had been an " overhaul '' of the private student loan industry and this type loan was the result. We are currently paying a 9.625 % interest rate. This is a much higher interest rate than any car loan or mortgage loan that I or my parents have ever paid. What other decision could we have made? This was my senior year! We have asked about loan consolidation, refinancing and even offered to pay the loan off at a reduced amount. There is absolutely no negotiating with them. Please note this is not for a small amount of money. The total borrowed originally was {$100000.00} and we currently owe {$120000.00}. We do n't quite understand those figures. We thought we negotiated to pay a monthly amount that we could manage but we do not understand how it has been applied. Also they automatically put me in deferment when I went back to school for my XXXX ; however, my parents continued to make payments but that has n't really helped either. For example a payment of {$470.00} only reduced the total owed by {$27.00}, and one month a payment of {$550.00} actually saw an increase of {$78.00} in the total owed. We just do n't understand how the interest is applied nor how the payment is applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the Judgment on my Experian report XXXX times, twice sending them a copy of the judgment showing where it was cancelled in XXXX 2015 and should be removed from my report as XXXX and XXXX have already. They still show it as satisfied and it should be removed being it was cancelled/voided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I purchased a reporting service many years ago from Experian and have been charged $ XXXX/month. About a year after I purchased the account ( # XXXX ), my password either expired or was forgotten and I requested to update it. I was unable to do so online as Experian had the incorrect information associated with the account ( name, SS #, address, and/or Mother 's Maiden name ) and I was directed to their service line. I called repeatedly and was promised that they would send me a temporary password, but they refused to ever actually do so. After repeated such attempts i complained and was told that they had been sending emails which were blocked by XXXX. In the interim I continued to receive monthly advertising emails from Experian to the identical email account. I contacted XXXX, who had ( 1 ) never been informed of such a problem by Experian, and ( 2 ) also could not comprehend why some emails would successfully go through but others would not. I forwarded an example of such an email back to Experian, but when I spoke to a Supervisor, who refused to read that email. In the meantime they continue to charge my Credit card for services that they are blocking.

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 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I get an account report with XXXX and experian showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around

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 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a negative credit report due to defaulted private student loans. Subsequently, I negotiated with my lending company and agreed to a full and complete settlement on XX/XX/XXXX. On XX/XX/XXXX, I formally requested ( via a letter from my lawyer at XXXX XXXX XXXX at XXXX University ) that the debt collection agency ( XXXX, XXXX, & XXXX ) update that information with all XXXX credit reporting agencies. 

As of Monday, XX/XX/XXXX, my XXXX credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX ( XXXX XXXX XXXX ). Visible are a " Payment History '' section, and Status Details reading " This account is scheduled to continue on record until XX/XX/XXXX. 

Likewise, as of Monday, XX/XX/XXXX, my TransUnion credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX in addition to a XXXX listing with XXXX. ( These XXXX listings pertain to the same loan which changed hands several times between XXXX, XXXX, and XXXX. ) Both of these accounts show as " open '' and " placed for collection. " My XXXX credit report was correct when I pulled it in XX/XX/XXXX. 

The Fair Credit Reporting Act creates a " duty to correct and update information '' for entities that furnish consumer information to credit reporting agencies. Because I paid a full and complement settlement of this debt, I am requesting that you assist me in ensuring all necessary changes to update and report this debt ( in all its names ) as paid, closed, and settled with all XXXX credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services
State: IL

Complaint narrative:
A company called Clarity Services is randomly making inquiries on my XXXX Credit report. I show roughly XXXX inquiries over 1 year. This in excessive and impactful. I have never applied for services or loans on behalf of any of their clients this is gross misuse of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received an alert from XXXX XXXX that there was a " Hard Inquiry '' on my credit report. There was a hard inquiry on XX/XX/2015 and XX/XX/2015 from XXXX XXXX. I contacted them and stated that I did not apply for any credit, do not have any accounts ( past or current ) with XXXX, and did not authorize XXXX to pull my credit. I was told they could not find an account and to send an email through XXXXXXXXXXXX. This is not a valid link. I would like XXXX to remove the XXXX hard inquiries from my credit report and inform me as to why they pulled my credit report to ensure I am not a victim of ID theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2010 because our income had declined by over 50 % during the real estate crisis, we contacted our mortgage servicer Bank of America to ask for a loan modification. They ( B of A ) told us we qualify for the " HAMP '' mod program and the instructed us to start the trial period by making modified payments, which we did starting in XX/XX/2010. The trial period was supposed to be 90-days then either an acceptance or denial would be issued, based on on time payments. We followed their requirements and made all payments on time as prescribed, only to be declined 7 months into the program with no notification from the mortgage servicer. We called in to the bank in XX/XX/2010 to see where we stand because we had not heard from them at all. At that time they told us we were declined for modification because their " Investor Guidelines '' stated we had to be delinquent at the time of entering the HAMP program. We were understandably upset by this and the lack of communication from Bank of America, they had to know we were not delinquent at the time they told us to enter the trial payment period, so we filed a formal complaint with the US treasury service by the advice of our HUD counselor. Then approximately 3 weeks later we got a call from someone at B of A to see about resolving the issue. They put into an " in house '' loan modification which amortized us out another ten years on the note, reducing the payments for three years. The current issue is they refuse to modify our loan now based on our current income, continuously giving us the run around for reasons why, and they are reporting us as 60-90-120 day lates back in XX/XX/2010 when we were making the modified payments they put us in. We have asked them to update our credit report to show no lates as per page XXXX of the HAMP modification program guidelines, it clearly states that if the borrower is current at the time of entering the loan modification trial period and makes all the trial period payments on time, they are to be considered " Current '' as far as credit reporting is concerned .... I have asked B of A to adjust this issue as it prevents us from being able to refinance our current loan or sell our house and purchase another mortgage more affordable. They are not able to effectively respond and get this done, just dragging their feet and stalling 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 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
A XXXX XXXX unsubsidized Stafford loan was initiated on XX/XX/XXXX for {$5500.00} to help pay for a year of college at the XXXX XXXX XXXX XXXX XXXX. It was deferred once I started beauty school at XXXX XXXX XXXX. When payments started up again the interest had accrued and the loan had increased to over {$7500.00}. My parents helped me pay it off at that time because we did n't want the amount to increase and pay more interest, so it was paid off XX/XX/XXXX. Last year I realized my other loan payments were messed up after paying regularly since I graduated from XXXX. Navient had reinitiated the old Stafford loan that had been paid off for over two years and started using some of the payment money for the other loans to go toward this loan that had already been paid off. They then started harassing me daily with calls that I owed this money and it was up to me to prove that I had paid the loan off XX/XX/XXXX because they did n't have record of it. I worked with my parents to find the proof and submitted it to Navient XX/XX/XXXX, and they said I would hear back within two weeks regarding their findings. I have not heard anything from Navient regarding this situation. They did remove the delinquent status from my account which should have never happened. This has been extremely stressful and time consuming -- I have spent hours on the phone and working with my parents to try to solve this. I know I saw on the XXXX XXXX website that this loan had been paid off and then when Navient took over the loan came up as unpaid and I could no longer see the same history online anymore. I do n't understand how this could have happened and I am anxious to get it worked out because I 'm still paying other loans and the payments have been messed up since last year when this all started.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello : I 've been to Bank of America at XXXX New York XXXX three times in the past 6 months to cash a large check up to {$5000.00}. Each time, I was treated with extremely rude disrespect by that branch manager. He accused me of trying to cash a check that was n't real and treated me as if I were a criminal. Each check I submitted for remittance was indeed legitimate, but I had to go elsewhere and spend money to cash them. I truly hope that the manager of this particular branch gets a lesson on how to treat customers.

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 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient ( at the time known as XXXX ) defrauded me in XX/XX/XXXX-XX/XX/XXXX by paying off my student loan counselor ( trips, gifts, etc ) to steer me away from grants and work study and into subsidized loans. The counselors and XXXX were caught and punished but the money was already spent on school. 
I 've tried to get help for this for years. No one gives a XXXX until you folks sued them. 
Worst part was after I completed XXXX school in XX/XX/XXXX I went to XXXX XXXX to start my career and was blindsided by XXXX issues. XXXX did n't care and within 3 years of me being in and out of recovery, my XXXX loans were now XXXX. 
This is a scam. I 've probably paid off the original loans amount only to be here, 20 years later with XXXX in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: PA

Complaint narrative:
I closed an account with XXXX. I debt of {$48.00} is owed to XXXX for two days of service. My account # is XXXX. ERC called me and tried to claim I owed them a total of {$250.00}. They sent me fake bills today with the wrong account number # XXXX XXXX as well with the inflated debt claiming XXXX sent me to their collections service. The problem with this is XXXX, the original creditor, sent me a bill today requesting the same {$48.00} they have requested for over a year. ERC sent false paperwork and added false information to my credit reports. They need to remove themselves and all negative information from my credit reports and they need to cease all communication with me in regards to this fake debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief