vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax failed to remove a Federal Tax Lien that should have been removed effective XX/XX/XXXX, in order to comply with new reporting regulations under the XXXX. Specifically - New requirements include : Require all public records obtained from the original source locations to contain minimum identifying information ( PII ), Name, address, SSN and/or date of birth The original source document does not comply with this new reporting regulation as it does not include Date of Birth, and it does not include full  social security number. 

Remedy is removal of this released Tax Lien from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I have banked with Suntrust for over 7 years. I recently was a victim of a Debit card skimmer scam and ID theft.On XXXX XXXX, 2017 ; I had over {$2400.00} plus applicable fees taken from my account. The culprit transferred funds from my minor son 's ( XXXX yrs old ) savings account and went to an ATM in XXXX, FL and withdrew cash in two separate transactions. I have always lived in XXXX, Fl 4 hours away from where these transactions happened. 
I discovered the transactions and called my bank immediately! When the fraud claim rep. asked if I have the card, I replied " No '', for the simple fact that I had misplaced my card some where. But did not report it lost because I know it was somewhere in my purse or car NOT LOST or Stolen, I called back in less than 30 minutes to inform them that I indeed have my card. It was in my purse the entire time.I was told the process takes 10 business days to review. The case was then forwared to a " Fraud Investigator '' that asked me a total 5 questions. I explained to her that I never transferred the funds, never visted XXXX and that I live alone with my XXXX small children. I received the attached email saying my claim was denied, I was shocked. I called the investigator and she explained that my claim was denied because of " conflicting statments ''. I am the victim in this situation and my bank has an obligation to protect me and research throughly to determine if I was at fault or commited this fraud. You can not base a whole claim from my statement which at the time I gave was completely in shocked that all of my hardworking money is gone. Never did the investigator look into the phone transfer or location of the transactions. Now I must go through a up to 45 day appeal process, which still does not guarantee me my funds and provided supporting documentation, phone records and affidavits from family members. I have spoken to over 10 employees in this matter. Next step for me is to contact a Lawyer, because I need someone to advise me on how to get back what is rightfully mine.

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 2017-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive been a Bank of America credit card customer since 2003. Without any notice, Bank of America decreased my credit limit from {$19000.00} to {$500.00}. 
I have been diligently working on fixing my credit rating, and recently made a payment to Bank of America for over {$19000.00}. Making such a drastic credit limit decrease will adversely effect my credit rating. I just got off the phone with Bank of America and they were unable to help. Is there anything the CFPB can do?

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 2017-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am writing to dispute the payment process used by Navient XXXX regarding disclosure of interest charged to my student loans. I have written and verbally asked the company to send monthly statements showing the beginning balancing and ending balancing of the loans. In return, I received unclear information and no documentation about monthly statements pertaining to my student loans. I have checked my loan accounts on several occasions and spoken with Navient customer representative to ensure that my loan is not being calculated in error regarding the interest. I became frustrated when the response to the same question is a different answer. Therefore, I begin sending letters to Navient. However, the information that I am receiving from Navient to explain the accrued unpaid interest is not indicating the monthly beginning and ending balances. At this point, I am reaching out to you for assistance to protect myself as a borrower and to have my complaint filed. The amount that I am disputing is unknown because of the error in the accrued interest that has been calculated by Navient. Moreover, my loan began with XXXX XXXX and XX/XX/XXXX was the first payment and XX/XX/XXXXwas the first payment made to Navient. I want Navient to be accountable of charging what appears to be double interest to my loans and to reverse the interest that is not correct. 
I have been paying principal and interest on the loan but the total amount has continued to increase ( i.e. accrued unpaid interest dated XX/XX/XXXXin the amount of {$570.00} ). I 've called the customer service department on several occasions to receive an explanation and have not been given a satisfactory answer to why the total amount continues to escalate. Also, I 've asked for paperwork showing how interest was calculated for my loans and receive an example of a random account situation, which did not assist me regarding my account. I received history balance documentation dated XX/XX/XXXX on my account, but not an account statement that indicates start and ending balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rauch-Milliken International, Inc.
State: LA

Complaint narrative:
The office of XXXX XXXX has been contacting me over the past 3 months first claiming they were ready to go to court over a debt with the real yellow pages from XXXX after asking them to produce documentation of this debt they sent a unsigned contract with no history of payment or signatures to verify this debt XXXX XXXX was not the originators of this supposed contract and can not produce proper evidence of any contract being entered into I have explained my mental and physical issues with them and have requested they stop contacting me over this obvious scam for the amount of {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
In XX/XX/XXXXmy mother ( XXXX XX/XX/XXXX ) open an account with Care Credit at a XXXX office located in XXXX, Oklahoma, which is no longer in business. This was a promotion card that ends XX/XX/XXXX. I contacted care credit probate department in XX/XX/XXXX. In XX/XX/XXXX, I  received a letter from Care Credit stating that this account will not go through probate because they had me listed as a secondary cardholder. This is completely false! Myself and my daughter were supposed to be ONLY authorized users. Since XX/XX/XXXX, I have spoken with numerous customer service representatives and supervisors informing them of her XXXX in effort to come to some resolution over this matter. In XX/XX/XXXX, I requested a copy of the application and Care Credit told me that the application was processed electronically and a paper copy was not available. Please be advised : my mother signed a paper form at the XXXX office. Also, in XXXX, Care Credit finally closed the account and advised me the account was being forwarded to collections. ADDITIONALLY, After Care Credit was informed of the XXXX of the primary cardholder, the billing statements are now being sent in my name!! Since my mother 's XXXX, whom is the primary cardholder, I 've been receiving billing statements from Care Credit ( last one sent in XX/XX/XXXX ) and collection letters from XXXX XXXX in XXXX, Ohio, because my mother and I resides at the same mailing address. I attempted on multiple occasions to explain that my mother did not have a power of attorney and she did not have an estate and that I am NOT liable of this debit. I would NEVER consent to be a secondary cardholder or be a responsible party of such debt when I have not obtained employment over 20 years! Today ( XXXX/XXXX/XXXX ), I received a collection letter from XXXX, XXXX, XXXX, XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ok ... in reference to this debit. As of today, XX/XX/XXXX the debit is listed at {$1500.00}. I have sent validation letters to Care Credit/XXXX XXXXXXXX XXXX XXXX, and now the XXXX XXXX of XXXX, XXXX, XXXX. XXXX, XXXX XXXX, XXXX. As a consumer, I feel that I am unlawfully being harassed over a debit that is not mine..it belongs to a woman now XXXX, and I would like all collections activity against me to cease and be removed from all credit reporting agencies ( XXXX, XXXX XXXX XXXX ). I am requesting a full investigation of business practices as I feel Care Credit/XXXX XXXX is in violation of the Fair Debt Collection Practices Act made pursuant to 15 USC 1692g Sec 809 ( b ).  Where is the proper validation?

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 2017-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM FILING THIS COMPLAINT BECAUSE XXXX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE

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 2017-10-07 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: NC

Complaint narrative:
I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I HAD 3 CREDIT CARDS LOST THE COMPANY FOUND IN MY FAVOV THAT I HAD NOT MADE THE THE REPORTED ITEMS AND THEN THEY REQUSTED IRS PROOF OF INCOME I TOLD THEM THAT I WAS OUT OF WORK DUE TO A WORK INJURY AND THEY CLOSED 20 ACCOUNTS THAT IHAD SOME THAT I HAD FOR XXXX AND XXXX IHAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS I HAVE A 100 % PAYMENT RECORD AND LESS THAN 23 % USEAGE BY DOING THIS MY CREDIT SCORE WENT DOWN 30 POINTS

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 2017-10-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to block my dispute of the account listed on my report as XXXX XXXX XXXX account numnber XXXX. The account is a collection account that is showing as having been included in bankruptcy in XXXX. This is incorrect and Experian will not let me fix the problem or claim that they have " verified '' the information as correct. They send notices that : " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute ... '' If Experian really did verify the information as being correct, then they would know that this account was not included in bankruptcy as it is listed on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
We contacted the company by phone and they have not resolved the matter. Here is the letter we sent : XXXX XXXX XXXX # XXXX Ladies and Gentlemen : I am writing to demand that you reverse a late-payment entry that you have reported to the three national credit-reporting agencies regarding the above-referenced mortgage loan and that you request those agencies to remove your report. 

On XXXX XXXX, XXXX, I sent you a payment of {$XXXX}. ( Our monthly payment amount is {$XXXX}. )  The payment was in the form of two checks for {$XXXX} each, one drawn on my personal bank account and the other drawn on the personal bank account of my wife, XXXX XXXX XXXX. In the process of reconciling her account a couple of weeks later, my wife saw that her check had not cleared. I reviewed my account and saw that my check had cleared. ( A copy of the canceled check is attached. The endorsement reflects a date of XXXX XXXX, XXXX, confirming your receipt. ) On XXXX XXXX, XXXX, I spoke by telephone with a representative of Shellpoint Mortgage Servicing and explained that one of the checks had not cleared. I was informed that Shellpoint used an automated system that likely processed only one of the checks. I was told that they would try to locate the other check. ( I provided them with the check details. ) I was assured that this would have no negative implication for my credit score. I called several days later to follow up and was informed that they were unable to locate the check. Accordingly, XXXX XXXX put a stop payment on her check, and on XXXX XXXX, XXXX, I made a payment of {$XXXX} rather than what then was our customary {$XXXX}. 

I now am applying for a mortgage on another property, and I have been informed that my credit score is about XXXX points below what I believe it otherwise would be due to your having reported the XXXX XXXX payment as late. That should never have been reported as such : I was not lateit was a processing mishap at Shellpoints end. Needless to say, I am not happy about this, and it is holding up and very possibly blocking my ability to obtain financing. Please reverse this late-payment entry and correct this with the credit agencies IMMEDIATELY. Time is of the essence here, because of my pending application for financing. I am at risk of losing the financing and ultimately the property that I am under contract to purchase ( along with my deposit ). I do not want to report this to the FTC, but I will do so if I do not receive a satisfactory response within 24 hours. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cell XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I lost my XXXX XXXX XXXX credit card : XXXX and XXXX and their are fraudulent charges and transactions of {$2500.00}. The charges do n't belong to me. I have never used my XXXX credit card.

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 2017-10-07 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX continues to block my dispute of the account listed on my report as National Credit Systems account numnber XXXX. The account is a collection account that is showing as having been included in bankruptcy in XXXX. This is incorrect and XXXX will not let me fix the problem or claim that they have " verified '' the information as correct. They send notices that : " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute ... '' If XXXX  really did verify the information as being correct, then they would know that this account was not included in bankruptcy as it is listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received all of my loans from Navient while it was XXXX XXXX. I also have all of my federal loans serviced under it. I graduated in XXXX and immediately after graduation could not afford the loans. I used up all of my forbearance and did this because the only option they gave me was to force my cosigner to pay. There was no income based repayment. This cost me more money - I did this for XXXX years. I made payments for a year, and then because I could not afford such a high loan rate with just my XXXX credentials - I went back to graduate school for 3 years. My loans were deferred this whole time. 

Unfortunately - graduate school just added more interest to my loans. I am nowXXXX years old and owe $ XXXX to Navient. I also owe another {$45000.00} to XXXX ( not on my Navient account ). This means I have over {$220000.00} in debt. I only make {$60000.00} a year - I will never be able to pay this back unless I do not have a family and never buy a house. My life is over. I currently my {$670.00} a month payment from Navient and my {$400.00} from XXXX ( the XXXX XXXX XXXX ), I pay 1/3 of my income just to loans. XXXX also refuses to income back repayment -my payment instead goes up. Unfortunately, even if I do get income based repayment at this point - still owe over XXXX so I feel pretty hopeless. I have no savings and my loan payment goes up every year as I make more money - I ca n't get ahead. I can not do another forbearance and my parents can not pay my loans because they are currently already paying my siblings loans - all form Navient. My brother also owes XXXX and is in the same situaion. My entire family 's credit and lives have been ruined by this company. If it were not for my debt - I would be successful citizen who can help our economy grow. I have a XXXX XXXX in XXXX XXXX and I work as a XXXX in the XXXX XXXX XXXX XXXX XXXX. 

my dreams will never come true. I sometimes wonder if college was not the biggest mistake of my life - I 'm not making more money because of my loans- perhaps I would have been better off debt free with a lower wadge. I have no financial security and fear for my well being on a regular basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My wallet, driver 's license, social security card and my XXXX XXXX XXXX XXXX credit card was stolen from XXXX XXXX in XXXX XXXX, AZ. There is {$3400.00} of fraudulent charges/transactions on my XXXX XXXX XXXX XXXX credit card account : XXXX. The charges are all fraudulent and do n't 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 2017-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: UT

Complaint narrative:
On XXXX XXXX, XXXX I received a notification in the mail from Receivables Performance Management stating that I owed {$XXXX} and the original creditor was XXXX. 

I have never had an account with 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