vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank XXXX has done some illegal ReAging of my account that was opened XX/XX/XXXX and closed XX/XX/XXXX and charged off. I've disputed this multiple times through XXXX  and XXXX to take a look at this reporting because how can an account be closed XX/XX/XXXX but my first delinquent date was XX/XX/XXXX and no reporting prior to this date. It's strange XXXX  got this item deleted but not XXXX  and XXXX who keeps giving me a hard time on this disputed item. TD Bank updated my report saying I recently made a {$28.00} payment and that wasn't true either. This has caused a lot of frustration and stress with trying to rebuild your credit and negative reporting is happening causing consumers to miss out on jobs, higher interest rates, and discouragement when trying to only rebuild their credit. Im sure I'm not the only consumer going thru this illegal re-aging with XXXX  and little help from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After 10+ years as a loyal customer, Bank of America suddenly closes our accounts and won't give us a reason, other than " is a business reason ''. And now is holding our money XXXX ( aprox $ 10k ) and we can't pay our bills, it won't tell us when they're releasing the funds. WE CAN NOT WAIT, WE HAVE BILLS TO PAY. 

On XX/XX/XXXX we get a letter about the closure of the accounts. I'm XXXX XXXX and sole breadwinner of my family, I'm a law abiding US citizen and Bank of America is treating me like a criminal. 

I suspect the reason is that I am the child of a foreign PEP ( politically exposed person ) from a XXXX American country, because my sister had her XXXX account investigated, my parent filled out a questionnaire and that's it, her account is still in good standing. I believe BofA actions are racially discriminatory in nature, they're treating me like a criminal. 

Why would BofA close my accounts in good standing without first questioning? I'm XXXX and all my income is from XXXX  care corporations, why close my accounts? 
Why not release the funds right away when I went to the branch so that I can pay our bills?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a loan with WFHM. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and WFHM with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX / XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I have a loan with FRD MOTOR CR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and FRD MOTOR CR  with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX XXXX / XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i have been fighting to remove these accounts that have been open without my permission its been removed off of my XXXX  and XXXX but still showing on my trans union, the account is from Account Name XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$26000.00} i also have a problem with my XXXX report which is simular to my problem with transunion report, its shown a negative account thats not mine or on other reports i dont own this account either XXXX  XXXX XXXX {$660.00} Credit limit {$500.00} {$0.00} Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to dispute the status of an account being reported by Experian that states I have a recent Delinquent/Charge Off account in the amount of {$130.00} first reported XXXX of XXXX. This is inaccurate and is tremendously damaging my credit profile as I am in the process of starting a new business and leveraging my personal credit to secure business funding. 

Actions Taken : I have contacted XXXX XXXX via phone, in-office meetings, and have spoken with multiple staff members from management all the way back to the collections department multiple times in hopes to get this matter resolved on my own. I have also provided them with a copy of my dispute letter with the credit bureaus. This inaccurate reporting has cost me months of frustration and countless monthly credit report monitoring fees as I continuously check everyday to see if it gets resolved. My credit profile & credit score has suffered tremendously throughout this long process. 

Additional Actions Taken : I have also contacted Experian Credit Bureau directly and they have not resolved this issue either. They actually claim that this inaccurate information was verified by The XXXX XXXX. Experian has not provided me with any documents that support their conclusion. They have appeared to change or re-age the " first date '' this account was originally reported in XXXX to a new " first date reported '' now stating XX/XX/XXXX. 

The XXXX XXXX verbally informed me that they have not reported any new delinquent account information to the Credit Bureaus dating XXXX of XXXX and they advised me that my only option is to dispute with the credit bureaus directly in order to get this matter resolved. They also expressed to me that there is no other documentation that they can provide me with in regards to helping me resolve this matter with the credit bureaus myself. Ive been a long standing member with XXXX XXXX and theyve seen my repeated efforts to try and resolve this matter without getting any 3rd party involved. They have not provided me with any additional documentation that supports my efforts to get this inaccurate information removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i have been fighting to remove these accounts that have been open without my permission its been removed off of my XXXX and experian but still showing on my XXXX XXXX, the account is from Account Name XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} i also have a problem with my experian report which is simular to my problem with XXXX report, its shown a negative account thats not mine or on other reports i dont own this account either XXXX XXXX XXXX {$660.00} Credit limit {$500.00} {$0.00} Opened XX/XX/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 non-monetary relief
Consumer complaint received 2018-07-24 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: CA

Complaint narrative:
I promptly disputed my Equifax credit report file because it contained two entries that do not belong to me. I filed the online form for the dispute. The results were made available to me on or about XX/XX/2018. Accessing the dispute online was very difficult, but was eventually able to see the results. Equifax said that the account belonged to me. 

On XX/XX/2018, I wrote Equifax a letter detailing why the information was incorrect and asking for a description of the procedure used to determine the accuracy and completeness of the information and for them to correct my credit report. I have received no response from this credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: MD

Complaint narrative:
I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$120.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company didn't respond to my first letter or did I receive any viable document bearing my signature. I sent them a 2nd letter on XX/XX/18 continuing to dispute the derogatory item on my credit profile, this letter was received via certified mail by them on XX/XX/2018, this company responsed to my 2nd letter with a document that looks like a bill, and no other document was provided bearing my signature stating I have a contractual agreement with them. They continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company continue to break the law by falsely reporting derogatory item on my credit profile. This is illegal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
I've attached a 2 page PDF because this issue has gone on for months. 

In summary, Mohela promised me for months that I would be entitled to a 0 % interest benefit once I reached a XXXX XXXX. When that day came, however, they quickly denied the benefit. To date, I've received around 6 denials. I knew the basis for the first denial was improper right away, as soon as I pointed this out they gave me another basis. They told me a federal regulation disqualified me from the benefit. 

I asked them what specific regulation or guidance they were relying on around 10 times and they refused to supply one, only ever giving a blanket denial and saying " a federal regulation ''. Finally, after I explained that I'm not only a XXXX, but also a XXXX, they put me in touch with a Director who told me all the previous denials were baseless. 

If it was this hard for me to get the benefit I'm entitled to, I'm sure they have denied hundreds of other XXXX access by lying about federal laws they made up. One of the messages was from a supervisor who said I should have been denied from the beginning and the Veterans Liaison team had since been trained to do so. I'm pretty sure this is the basis for a class action lawsuit, if any other XXXX have been hurt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a loan with NAVIENT I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed with the CFPB and the company stated they were unable to validate the account. The Fair Credit Reporting Act states that information that is found to be inaccurate or can not be verified must be deleted from my credit 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 explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
never received my right to dispute the validation of the debt/ 30 day notice. i also need this company to cease and desist all collection efforts against me until further notice only way to contact me would be us mail only.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
i spoke with this company the debt is actually my mothers she has the same exact name as me. she also filed bankruptcy within the past year. this company refuses to remove this debt from my credit report but this is my mothers debt. this is damaging my credit report furthermore i need paid for the damages or i could look at legal counsel the damages caused are as follows 1. Defamation 2. Negligent Enablement of Identity Fraud 3.  Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed with the CFPB and the company stated they were unable to validate the account. The Fair Credit Reporting Act states that information that is found to be inaccurate or can not be verified must be deleted from my credit 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 2018-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. The only account that they stated they had was a XXXX XXXX XXXX XXXX account for {$360.00}. They stated that this account would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX on my credit bureau and it's negatively impacting my score. *see attached reporting documents*.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
I just recieved a letter saying I owe XXXX $ for XXXX XXXX  XXXX XXXX when i already paid my last bill which was 8.50 $ or something around there

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. The only account that they stated they had was a XXXX XXXX XXXX XXXX account for {$360.00}. They stated that this account would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX on my credit bureau and it's negatively impacting my score. *see attached reporting documents*

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been charged over {$1000.00} in overdraft fees by Regions back over the past year. I am a XXXX  XXXX who also works full-time making the Illinois minimum wage of {$8.00}. The fees charged by regions are exorbitant. While they are technically " legal '', they are predatory with no relief for the struggling consumer. For instance, my most recent overdraft was caused by a single bill which automatically comes out of my account. However, because other items were pending, that single bill cost me {$210.00} in a single overdraft fee for multiple items that were " pending '' despite being drafted from available balance. {$210.00} for a {$91.00} overdraft which I covered by depositing money into the account the same day the charge appeared on the account. This is absolutely predatory as a charge for charges that are still pending. I brought the account current before the charges posted and am still having my hard earned money stolen from me. And the CFPB is supposed to protect consumers? Where is our protection from blatant theft like this? With so many companies forcing automatic withdrawals such as XXXX, XXXX and other services, it becomes exceptionally difficult for those of us making next to nothing to accurately monitor an account which always sits so close to the overdrawn mark. This practice of punishing the less wealthy for being less wealthy needs to change because what I would like to see, is the option to have an account that just simply declines ALL purchases that overdraw the account. If the money isn't there, don't pay it. I would much rather pay a late fee or a have a service shut off that be charged {$210.00} in a single overdraft!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent me an email stating that they are no longer serving my account when I called to settle. XXXX XXXX is the person that emailed me. His email is XXXX. Please see the attached letter as confirmation that XXXX XXXX XXXX no longer has this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX should be deleted from my credit report. See attached letter. Please delete this account in the next 2-3 business days and send me a copy of the updated credit report reflecting this change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX should be deleted from my credit report. See attached letter. Please delete this account in the next 2-3 business days and send me a copy of the updated credit report reflecting this change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
My grace period was up and there was not sufficient communication to start paying. I now have a 30-59 day late on my credit report which I would like removed and the late fees assessed.

Company response to consumer: Closed with explanation