vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 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: Alorica Inc.
State: NJ

Complaint narrative:
I have an account on my credit report from XXXX XXXX XXXX with XXXX. The account is closed and paid off. When I paid it off I was told the account information would be deleted but it is still there.

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 2017-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was astonished after I viewed my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 60 days past due as of XX/XX/XXXX.
I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: MI

Complaint narrative:
Creditor XXXX XXXX XXXX ( XXXX ) still showing open when should state closed status with {$0.00} balance. It was included in Bankrupcty and now is DISCHARGED. Bankrupcty case # is XXXX. Creditor keeps removing and reappearing on report. Also keeps changing statuses and balances every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is an account with XXXX XXXX XXXX that is now closed. The account was open in XX/XX/XXXX but it says XX/XX/XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.

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 2017-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
This applies to both Private and Public loan service providers and is partly due to a significant gap in 34 CFR 685.204 concerning In-School Deferment and the National Student Loan Data System. Per 34 CFR 685.204, ( b ) ( 2 ) ( iv ), Student Loan custodians MUST process in-school deferments when they verify a borrower 's half-time enrollment status. First and foremost, this section should be amended such that the Student Loan originator MUST NOTIFY the borrower of their updated information and eligibility for In-School Deferment. At a minimum, the statute should include a mandatory notification to the borrower that they have been placed into In-School Deferment. I will now present an example of how the current process is predatory in nature : Educated borrower has graduated and begun making payments. They sign up for automatic bill pay with each Student Loan Originator and begin to pay down their debt. Years later, they decide to re-enroll to pursue a XXXX XXXX XXXX. They do not take out any additional loans. Unbeknownst to the borrower, the school supplies the borrower 's information to the National Student Loan Data System (  and possibly the National Student Clearinghouse ). The Student Loan Originator receives this information and as required by 34 CFR 685.204, ( b ) ( 2 ) ( iv ), moves the borrower into In-School Deferment. The Student Loan Originator has no requirement to inform the borrow of this transaction. While in deferment, minimum payments drop to {$0.00}, so no further payments are made. For borrowers with unsubsidized loans, their interest continues to build, with payments no longer coming in. So, through no action of the borrower and no notification to the borrower, the Student Loan Originator has increased the overall cost of the loan to the borrower, by a difference of potentially thousands of dollars. This is a predatory action. Any and all activity into and out of deferment should require written documentation and notification to the borrower. Additionally, Student Loan Originators should not be required to AUTOMATICALLY move borrowers into In-School Deferment. The action should instead be to notify the borrower to request permission to move their loan status to In-School Deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Good Afternoon, My name is XX/XX/XXXX, currently I owe {$4800.00} to IQ Data INT. In the past I did stay in apartments and had a roommate of the name XX/XX/XXXX. I did not finish the whole the lease but I did sign a Roommate Release Form and had my name removed from the lease along with any other payments. Recently I tried to apply for an apartment and this popped up, I 'm just very confused and would like this matter resolved since it was no longer my debt once i signed the release form. I 'll be awaiting your regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: PA

Complaint narrative:
Equifax I have filed disputes sent Reg Mail and have yet in 6 months time after time to get any information removed or a credit report. have filed several complaints about disputes wrong information. Equifax does not respond nor return any disputes filed. 
Equifax has a lot of wrong information on file that I have proof to back up what Equifax has on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I just recently received an email by XXXX XXXX ( which is the outlet I check my credit score on occasionally ) and it had notified me that my credit score had gone down. No body wants to hear that, especially when you 've been trying to bring it up and stay up. There I had noticed some " hard inquiries '' which I had no information on. I looked it up and there had been several of these " hard inquiries '' throw out this year. I never noticed that these credit card and cable companies had run my credit with out consent. So I am here asking to please reach back so I can get the proper education and instructions on how to prevent this from ever happening again or even getting it off my report. 

Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX/XXXX/XXXX I bought 3 X 5 year CDs from Fifth / Third Bank ( Required was a savings acc. with a {$1000.00} minimum and a checking acc with a {$500.00} minimum ) XXXX/XXXX/XXXX my savings acc.  charged 2 X {$5.00} / My checking acc charged 3 X {$5.00} both for 'dormant fees ' No notice or warning was given. I 've never heard of a dormant fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 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: GA

Complaint narrative:
Dating back to XXXX XXXX and maybe even earlier, I have requested that Experian remove a Bankruptcy that is showing on my credit report because it was not verified according to the new law. They wrote me back saying that they verified it and I responded by asking them to furnish me with a more detailed description of how and with whom it was verified ( third party vendor ). I was never furnished this information just received another letter stating that it was verified through a third party vendor. I inform them that this could n't have been possible because my I had placed security freezes and suppressed my credit files with all of the third party vendors with XXXX XXXX being the first XXXX. Experian still has not accurately verified this account nor have it furnished me the names and address or other information of the company who verified. Since they have not provided me with adequate proof of verification this item needs to be removed from my credit file. It is against the law for them to be reporting unverified and non-validated information. It is not ok for Experian to say it is verified and not provide proof to the consumer.

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 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Applied for a mortgage from Wells Fargo in XXXX of XXXX on a new construction home. Did not end up building that home, but provided Wells Fargo with a rate lock payment of {$920.00}. Put that payment towards a rate lock for another home, but on XXXX XXXX Wells Fargo - XXXX XXXX informed me that we were denied. I was also told via email that I would receive a complete refund and that it typically takes 30 days for a refund. On XXXX XXXX and XXXX XXXX, XXXX was told via email that refund was still be processed. On XXXX XXXX, I was contacted by XXXX XXXX from Wells Fargo customer service and was told that he would get back to me on XXXX XXXX. I then received another email on XXXX XXXX that I would be contacted on XXXX XXXX. On XXXX XXXX, XXXX, I emailed both XXXX and XXXX explaining that this is unacceptable and that I expected my refund by XXXX XXXX. XXXX XXXX responded that Wells Fargo would contact me on XXXX XXXX. I responded back that this was unacceptable and that I was notifying the CFPB with this situation.

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 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
removing security freeze for fixed period of time. Equifax failing to provide PIN and/or means of obtaining PIN that are NOT SNAIL MAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I noticed an inquiries on my credit reports that i did n't recognized, contacted the XXXX credit bureaus to notify. XXXX kindly accepted the dispute, however had a hard time with XXXX. There is an inquiry from Barclay, from XXXX/XXXX/XXXX. Application ID # XXXX. This does not belong to 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 2017-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was stunned when I looked at my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX, XXXX XXXX and XXXX XXXX ; 60 days past due as of XXXX XXXX and XXXX XXXX ; 90 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2017-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I am a victim of a large fraud of stolen checks deposited into the wrong account. So this is forged check fraud. In many examples, the checks were clearly made out to my company and then deposited into an account with a different name. I have copies of the fronts and backs of a number of checks to prove this. Also, Wells Fargo bankers have been able to check on-line and confirm the forged checks were deposited into the wrong account. 

Both my business checking account and the account where the forged checks were cashed belong to Wells Fargo. Working through my local bank manager, this issue has been raised to the highest levels of Wells Fargo. Although they see the fraudulent activity, they refuse to report it and refuse to take any action. 

I do have an open case with the XXXX CA police department. The case number is XXXX. Wells Fargo refuses to cooperate with the detective. 

My contact at Wells Fargo is : XXXX XXXX. 
Her phone number is XXXX. 
Her email is : XXXXXXXXXXXX I would appreciate any help you can provide in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
La XXXX, CA XXXX XXXXXXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-10-11 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: NJ

Complaint narrative:
There is an account with XXXX XXXX XXXX that is now closed. The account was open in XXXX but it says XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: NJ

Complaint narrative:
There is an account with XXXX XXXX XXXX that is now closed. The account was open in XXXX but it says XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.

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 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XXXX, I applied for and completed a loan modification through Bank of America Home loans servicing. I have made numerous calls to have my questions answered about where the non-interest bearing principal balance of {$24000.00} came from but have not received any answers and have been given " the run around '' all I want is a clear breakdown of charges.

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 2017-10-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I requested that a collection account that was placed on my credit report be removed because it had not been " Validated ''. I requested that Equifax " Validate '' not verify this account and supplied them with the documentation that the company had sent me as validation of the debt. This documentation did not have anything with my signature on it or anything that I requested from them to validate the debt. None the less Equifax responds with they have verified the account. That was n't what I asked them to do again I asked that they validate it. The other issue is that a previous collection agency had place the same debt on my credit file and after requesting that they validate the debt, Equifax removed it and they to only furnished a bill as validation. So now I do n't understand how Equifax ca n't validate on collection agency but can verify the other based off the same information that was submitted to them. Seems to me that Equifax is practicing some illegal and unfair practices based on how they feel at the moment and not based on the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In the past month alone, I have received almost XXXX offers for a new credit card that is " preapproved '' by capital one. Concurrently, I have been absent of anticipated and expected mail from other parties, in addition to numerous other signs and symptoms of financial abuse. ( Mail fraud being most severe, as it is considered a federal offense ). It seems apparent that CapitalOne, no less than excises unlawful practices in interstate debt collection. I have been consistantly seeking employment since XXXX, and I believe CapitalOne may be merely XXXX party involved in detaining my ability to gain lawful, gainful employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: MN

Complaint narrative:
I have a loan through ACS for less than {$1000.00} left as I have overpaid on it each month. I got an email on XX/XX/XXXX stating that they were going to be changing the name to Conduent but stated that there would be no changes to my account. I was able to log in and make my last payment on XX/XX/XXXX. I tried logging into my account MULTIPLE different times all throughout XX/XX/XXXX and XX/XX/XXXX and each time I try to log in to make a payment it says the website is " Temporarily Unavailable. '' I have tried typing in my social security number to try and get my account number to call ACS and the website states, " We are unable to find your social security number on our system. Please check that you entered it correctly. '' I have tried calling all of the numbers that I could find on their website and from XXXX. The numbers I have tried are XXXX, XXXX, XXXX, and XXXX. When I call, the recording only gives two options to move forward ; enter in your nine digit account number or social security number. When entering in my social security number and birthday it states that it does n't recognize it. 
I have no idea how to continue paying off this loan when I ca n't access it. I tried emailing them but in order to email ACS you must have your account number or it wo n't go through, which I do n't have. I checked through all of my previous emails and have never received an account number. I used to get emails from them each month stating when my statement was ready to be viewed and paid and the last statement that I have received is from XX/XX/XXXX, when I was able to make a payment last.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: CORELOGIC INC
State: NJ

Complaint narrative:
There are XXXX inquiries on my credit report from credco which I did n't authorize. I do n't know what credco is or what its for.

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 2017-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am currently working for a non-profit and am eligible for my loans to be forgiven after 10 years of payments. My loan company has changed many times ( and I have had no control of this ). I was with Navient for a number of years. A year and a half ago my loans moved from Navient to XXXX. I made many calls while with Navient to make sure that my payments would count toward my loan forgiveness. I was told that I was on a payment plan that would count toward my ten years. I recently learned that Navient had me on a plan that does not count! To top it off, I was paying more per month than the plan that would count toward my ten year forgiveness period. So, I have almost two years of payments that will not count ( and like I said, I was paying more than what I should have been! ). I am extremely frustrated. Like I said, I did not opt to go with Navient- my loans transferred. I listened to them and did what I was advised and it was all wrong! I now have two additional years of payments!

Company response to consumer: Closed with explanation