vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have student loans and they were defaulted because of a car wreck I was in. My family and I were hit by a drunk driver, resulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9  consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised.     There shows  one  loan  that Navient has told  me would be removed and it has yet to be removed I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 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:
This began in early  XXXX  when I tried to open an account on Social Security dot gov. After entering my name, address,  DOB  and SS #, I was taken to a screen to verify my identity. EACH question asked about something that did not apply to me -- i.e., to verify a past address where none were correct, to verify a car loan or lease when I have NEVER had a car loan ( with the next question asking how much my monthly payment w as ), to ve rify a mortgage with a company I 've never dealt with ( and a corresponding question about the monthly amount of loan ). When ALL questions were answered " None of the above, '' the system locked me out.  After two days of  trying to contact someone at SS, I was able to speak with someone who said their security screening comes from a " credit reporting bureau in  XXXX . '' They suggested I get a free credit report from all  XXXX  credit bureaus and I did. Both  XXXX  and  XXXX  were no problem -- their security questions were all accurate and I received my credit reports online with no problem. Equifax, however, asked ALL false questions. Each  one (   as above ) asked questions that did NOT pertain to me and it locked me out. Equifax is located in  XXXX . After days of trying to find a human to speak with, I was told that they could not " verify '' my identity ( all false questions agai n ) and s aid they would mail me a credit report. When I receive it, there was a false alias -- my correct name, but spelled wrong --  and two fal se addresses. They  did ( apparently )  successfully remove the wrong name, confirming over the phone that the person reported did NOT match my ss # o r DOB. After MULTIPLE  promises that they have deleted th he two false addresses, they are STILL showing up on my report. ( I have THREE disp utes now that each say they have removed these addresses! ) I STILL  get four f alse security questions every time I try to get an Equifax report and get locked out every time. I STILL CA N'T OPEN A SOCIAL SECURITY DO T GOV ACC OUNT because Equifax is feeding them the wrong background information about me! HELP!!! This has been going on for WELL over a month and the man I finally spoke with today (  XXXX   )  was extremely rude, saying that I was obviously told the addresses were removed in error and implied that the only reason they 'd still be on my account would be if a debtor had CONFIRMED that these addresses in fact belong to me! He said that he would have my complaint sent to the fraud department, where it can take up to a MONTH to get resolved!! I have spent HOURS and HOURS trying to work with Equifax on this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have student loans and they were defaulted because of a car wreck I was in. My family and I were  hit  b   y a drunk driver, r esulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9 c onsecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised.     There shows  XXXX  loan that  XXXX  has told me would be removed and it has yet to be removed I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..

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 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have filed a 609 with Transunion on  X/X/17   ,  X/XX/17   , and  X/XX/17   .  XXXX  on on  X/XX/17    and  X/XX/17   , and  XXXX  on  X/XX/17    and  X/XX/17   . Then I sent a letter stating that I would file a complaint with the FTC, and they continually are replying that the accounts belong to me, but I was/am disputing that if the Credit Bureaus CAN NOT provide a copy of the original signature that the items should be removed from my credit report. They are in blatant disregard, according to the 609 law. Here is the list below of the items that I have reported to be removed from my credit report  XXXX  = {$620.00},  XXXX   XXXX  = {$1300.00}  XXXX  = {$1900.00}.     Thank You,  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 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express closed my entire relationship because the IRS did not send over my tax information in a  timely manner.     I have had personal card for many years and never was late once. I have perfect credit and have never missed a payment or had any issues whatsoever. I decided to expand my relationship and use  American Express  for my business as well. I order a new card after receiving an offer from  Amex  and added  XXXX  users as card holders.     The first day the card was received, there was a hold placed on the entire account including my personal cards and  American Express  requested some information from the IRS.     Again, the cards had never been used.. I filled out the forms  Amex s ent with no issue. The  American Express r ep told me herself that she knew the IRS was behind on processing the information. A hard close date was set and I called the IRS myself and tried to rush them. After the information was n't sent by the date that was given,  American Expre ssed closed all of my accounts with no reason given whatsoever.     I had already closed my previous relationship that i used for my business and now with   American Express doing this it has effected my business is a large way.
I want my American Express Cards   back. I would think i am the ideal client. I have perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: CA

Complaint narrative:
I asked  XXXX  to verify the account and they still have not even aft er 4 ce rtified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car f or 2 week s after purchase as I was a supposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX , Equifax and   XXXX   for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked  XXXX  to verify the account and they still have not even after 4 certified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car for 2 weeks after purchase as I was a supposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX ,  XXXX  and Experian for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well

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 2017-05-04 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: Tulsa Adjustment Bureau
State: OK

Complaint narrative:
This is a medical account to my  XXXX ,  XXXX   XXXX   XXXX ,  XXXX . The account was paid to his office at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , OK, on or about  XXXX   XXXX ,   XXXX  . This account was originally with  XXXX   XXXX   XXXX ,  XXXX , OK. The complete file, cancelled checks, and educational materials on correct claims filing were presented in person at their office downtown on  XXXX   XXXX   XXXX  At that time, it was agreed by all parties that this case in its entirety was closed and satisfied per contract on all parts. Now, this account keeps reappearing at various times on various credit reporting agencies both national and local. This is a gross violation of the Fair Credit Reporting Act and I have also advised these agencies repeatedly.     I expect justice to be carried out, I expect these to be removed from my credit report permanently, and I expect punishment to the full extent of the law to these agencies for repeatedly violating the Fair Credit Reporting Act and my personal rights. I also expect my credit reports to be completely and forever expunged of these items as they have been satisfied for more than three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I filed an application for  Long Term  Payment modification assistance to reduce my payment. I faxed the initial application on    X/XX/17 .       XXXX   .17 - rec eived notification that information needed clarification and other documents needed to be provided within  20  business day from the date of the letter (   XXX   .17   ) . Spoke with  XXXX  on    XXXX  .17    at  XXXX   XXXX  PST. He told me exactly what to provide. I faxed it on   XXXX   .17 an d received confirmation of its receipt at  XXXX  PST. This information was faxed within the 20 BD time frame.     XXXX  .17  R eceived notification that the information was not provided on time and the application was denied. Called at  XXXX    XXXX   PST on    XXXX    .17 s poke with  XXXX  ( employee ID  XXXX  ). He reviewed the application and agreed the information was in fact received in a timely manner. He sent it to his supervisor.     XXXX   .17 I follo wed up on the application. Spoke with  XXXX   XXXX  ( employee ID  XXXX  ). Reviewed the issue with him said he would call me back with in 1-2 days.   Did not call me back.       XXXX    .17 I   called  XXXX  again - he said he would review it again and call me back.     XXXX  .17  Af ter numerous phone calls and days later,  XXXX  and  XXXX  agreed it was an error on their part as to why the application indicated the information was not received on time. They said they would reprocess the application.     XXXX  .17  Follo wed up with  XXXX  on the status. She recommended I complete the application again and submit updated statements for my student loans.     XXXX   .17 Fa xed the application to  XXXX  and received confirmation of its transmittal at  XXXX  PST.      XXXX . 17     XXXX  called and said she received the application and will expedite it.     XXXX   .17 ca lled to follow up on the application. Now  XXXX  says there is other information that needs to be submitted, however, she failed to tell me this upon the initial application and stated my application was complete. Spoke with  XXXX , Supervisor, who said he would look into it and call me within 24 hours.    XXXX .17  XXXX  did not call me back. He had a customer service rep call me back who could not clarify what exactly was needed to process my application. Asked to speak to a supervisor and no supervisor was available.  XXXX  picked up the call and stated that we needed to complete the cosigner page again with the amounts of those loans. However, this was already completed in the f irst 2 applica tions!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One  did n't replying in a timely manner to my initial letter on   XXXX  , or have they to date after 4 certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e ]  As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or  in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am have a pending lawsuit against  XXXX ,  XXXX  &  XXXX  for not investigating nor responding to me as well, and taking no action when  Capital one  did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had my credit card with Bank of America for a very long time. I have never missed a payment. I was traveling overseas and a payment was processed and my bank was unable to get me on the phone so it was returned. I had no knowledge of this and Bank of America ran payment again and it was blocked because of an alert on my account.     After the second attempt, Bank of America just closed my account outright and reported me late on my credit.     I have never been late and have been an ideal client. They even closed my bank account and effected my banking relationship.       i had perfect credit and now this has been put on my credit.

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 2017-05-04 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: TX

Complaint narrative:
Per the FTC the credit bureau 's have to provide me with physical proof of the information they verified for any account, the information has to be provable beyond doubt with valid signatures. Attached is a recent letter I sent them asking for a re-investigation. Each time I have asked the credit bureau to investigate this time, they send back a letter saying to contact the collection agency. The law states the the credit bureau has to prove this information not the collection agency. Thanks.

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 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I reviewed my credit file late  XXXX    XXXX   and there is an account reported by AD  Astra Services.  I sent a request to the company to verified this debt. I received typed document that have no identifying information that ties this debt to me. The account is showing paid ; however, this company has not provided me with the legal supporting documents that is related to this account and how it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
This is a medical account to my  XXXX ,  XXXX   XXXX   XXXX ,  XXXX . The account was paid to his office at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , OK, on or about  XXXX   XXXX ,   XXXX  . This account was originally with  XXXX    XXXX    XXXX ,  XXXX , OK. The complete file, cancelled checks, and educational materials on correct claims filing were presented in person at their office downtown on  XXXX   XXXX   XXXX  At that time, it was agreed by all parties that this case in its entirety was closed and satisfied per contract on all parts. Now, this account keeps reappearing at various times on various credit reporting agencies both national and local. This is a gross violation of the Fair Credit Reporting Act and I have also advised these agencies repeatedly.     I expect justice to be carried out, I expect these to be removed from my credit report permanently, and I expect punishment to the full extent of the law to these agencies for repeatedly violating the Fair Credit Reporting Act and my personal rights. I also expect my credit reports to be completely and forever expunged of these items as they have been satisfied for more than three years.

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 2017-05-04 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: TX

Complaint narrative:
Per the FTC the credit bureau 's have to provide me with physical proof of the information they verified for any account, the information has to be provable beyond doubt with valid signatures. Attached is a recent letter I sent them asking for a re-investigation. Each time I have asked the credit bureau to investigate this time, they send back a letter saying to contact the collection agency. The law states the the credit bureau has to prove this information not the collection agency. Thanks.

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 2017-05-04 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: TX

Complaint narrative:
Per the FTC the credit bureau 's have to provide me with physical proof of the information they verified for any account, the information has to be provable beyond doubt with valid signatures. Attached is a recent letter I sent them asking for a re-investigation. Each time I have asked the credit bureau to investigate this time, they send back a letter saying to contact the collection agency. The law states the the credit bureau has to prove this information not the collection agency. Thanks.

Company response to consumer: Closed with explanation