vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 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: NC

Complaint narrative:
I had an account with  XXXX  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was paid in full in  XXXX   XXXX . According to the FCRA  623 ( a ) ( 5 ) , this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default. The account has been aged more than  seven  years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with Equifax  Information Services, wh om has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency  (   XXXX   XXXX  ) and the date of first delinquency reported (  XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
EXPERIAN  I WE NT ON ONLINE TO GET M Y CREDIT SCORE  THEY CHARGE MY CARD FOR {$1.00} I RECENTLY DISCOVERED THAT SINC E 2016 THE Y HAVE BEEN CHANGERING MY CARD {$24.00} A MONTHLY I CALLED TO RESLOVE THE PROBLEM FOR A REFUNG BECAUSE I WAS UNAWEAR  OG THE CHARGERS BUT THEY ONLY REFUND ME FOR ONE MONTH {$24.00} AND  TOLD THEY GIVE ME THERE FREE ACCOUNT I TOLD THEM I DONT WANT THAT I WANT TO BE REFUNDED FOR EVERY MONTH THEY CHARGER MY 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 monetary relief
Consumer complaint received 2017-05-08 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I had an account with  Santander  that beca me 30 days d elinquent in   XX/XX/XXXX . The account was never brought current and reported negatively on my credit report until the account was paid in full in  XX/XX/XXXX . According to the FCRA 623 ( a ) ( 5 ), this account should be re moved from my credit report. It has been re-aged by the original creditor to reflect a different date of default. The account has been aged more t han seven year s from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from     XX/XX/XXXX  sh owing the original status of the loan, prior to it being paid in full. I have disputed the information with  XXXX   XXXX   XXXX , whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency (   XX/XX/XXXX  ) and the date of first delinquency reported (  XX/XX/XXXX  ) as required by the FCRA. I have attached a copy  of the updated credit report as well. This account should be removed from my credit report as it has reported negative information  for 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Currently I am undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   XXXX  but frankly same old, same old. The reports still reflect incorrect information and wrong information not reflecting paid accounts and   XXXX   balances from months ago. In fact my score has not reflected positively due to this. Opinion- forget all they hype someone creates the scores and by experience they are being evidently manipulated to cause me to pay more. Someone has to have responsibility! You can not pay and go down or stay the same!

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 2017-05-08 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: FL

Complaint narrative:
Currently I am undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. The reports still reflect incorrect information and wrong information not reflecting paid accounts and   XXXX   balances from months ago. In fact my score has not reflected positively due to this. Opinion- forget all they hype someone creates the scores and by experience they are being evidently manipulated to cause me to pay more. Someone has to have responsibility! You can not pay and go down or stay the same!

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 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
Submitted complaint  XXXX . Disputed complaint. Can not get to that anymore. Have been to court. Mortgage company has not acknowledged having recieved documents for modification on time but delayed in processing ( sectio n 6 respa, and took more than 37 to come to a decision ).

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 2017-05-08 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: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
This is my 3rd dispute w ith GM Financial regard ing the inaccurate reporting of 30 days late for  XXXX    XXXX  . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
I have no idea what this company is, if they are a debt collection I have gotten no notification by mail about anything. They are called diversified consultants. I get repetitive phone calls every morning at  XXXX ,  XXXX  mon to sat for weeks. I 've told them to stop calling me. They constantly still call. Usually you get contacted by mail if you do n't answer. Nope, nothing. I 've blocked there numbers because they have a few they have all called me from a  XXXX   XXXX , mi number and I 've blocked them all and they still get threw and call me at  XXXX   XXXX  mon to sat and some sundays. It 's harassment. For weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: FACTUAL DATA CORP.
State: IL

Complaint narrative:
I just wanted to put in a complaint about the hard Inquiries that are affecting my credit score I have not given authorization to half of these lenders. Please have them remove From my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I just wanted to put in a complaint about the hard Inquiries that are affecting my  credit score  I have not given authorization to half of these lenders. Please have them remove From my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I filed a stolen card report with serv e two mon ths ago they never sent out a replacement card they refuse to give me my active funds. They keep saying a different date the " replacement card '' was sent out. When I  called American Express serve a representative told me that they dropped the ball no card had been sent out I have been without my card for almost three  months and missed payments on a number of bills due to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had an account wit h Bank of American  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was sold in  XXXX   XXXX . According to the FCR A 623 ( a ) ( 5 ), this  account should be removed from my credit report. It has been re-aged by the Bank of America to reflect a different date of default. The account has been aged mo re than seven years fro m the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with   XXXX   XXXX   XXXX    whom  has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquenc y (   XXXX   XXXX  ) and the date of first delinquency reported  (   XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 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 2017-05-08 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: NC

Complaint narrative:
I had an account with   XXXX   XXXX   XXXX   that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was sold in  XXXX   XXXX . According to the  FCRA 623 ( a ) ( 5 ),  this account should be removed from my credit report. It has been re-aged by the   XXXX   XXXX   XXXX   t  o reflect a different date of default. The account has been aged more than  seven  years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with Equi fax Information Services , whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency  (   XXXX   XXXX  ) and the date of first delinquency reported (  XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
The rate change but did not drop it low enough. They included all these fees, and interest which made me feel taken advantage of and discriminated against while under duress. They stretch the mortgage out to 40 years.     This process has brought on  XXXX   XXXX   XXXX  up and caused me to have  XXXX  during creating    XXXX   and in turn, I got a divorce while trying to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In  XXXX   XXXX  we purchased furniture from Ashley Furniture and were told by the salesperson that we had 36 months to pay off our purchase with 0 % interest ( ~ {$3100.00}  ).  We setup our automatic payment amount of {$87.00} to pay off the principal in full within the 36 months. However, we noticed that we were still paying as of this month. When we contacted Synchrony Bank today  XXXX / XXXX / XXXX  ( who carried the card ), they informed us that we were actually signed up for the 12 month no interest promotion. We had another account with  Synchrony  for our  XXXX   XXXX  purchase which we paid in installments with no interest. We were led to believe we had a similar setup with Ashley and therefore continued making the scheduled payments. We had the ability to payoff this loan at purchase, but as stated were told be the salesperson that we had 0 % for 36 months. Now we are being billed for over {$2300.00} in interest. In order to avoid any more interest penalties I have paid the remaining balance today - but feel that the deceptive practices at  Ashley  have cost us thousands of dollars.

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 2017-05-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My computer was hacked by a company called  XXXX   XXXX   XXXX , by a man named  XXXX   XXXX . He then sucked me into a banking scam that resulted in him ( and/or his company ) transferring a cash withdrawal fro m one of my Fifth Third cre dit cards in the amount of {$7000.00 } (   one tr ansfer for {$2000.00} and a second transfer for {$5000.00}  )  into my checking account and then stole it. I filed a complain with the  Fifth Third fr aud department but got a letter back from them saying they had " conclusive evidence that I had made the  cash advance '' and that they only investigate internal fraud, not anything external. This came after I tried explaining the the gentleman from the Fifth Third  fraud dept. what had happened, but he told me he had enough information and they " would bet back with me ''. I assumed that meant they would get in touch with me for a more detailed explanation of what happened and how I got scammed, but it did not. They simply made their decision based on partial information and did not seem concerned with the entire story. I have since reported my fraud complaint to the FBI  Internet Crime Complaint Center ( IC3  ), but have not heard anything back from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: SLM CORPORATION
State: NJ

Complaint narrative:
I attended  XXXX  University in  XXXX   XXXX , NJ from   XXXX   XXXX   to   XXXX   XXXX   as an  XXXX  in the   XXXX   XXXX   XXXX  . I did not like my major and college in general was not working out for me. My grades were okay to start off and then proceeded to get terrible by   XXXX   XXXX  . I took a leave of absence which turned into me just dropping out. Each year had costed about {$20000.00} total and so my total in borrowed money from the private student loan company "  Salliemae '' w as about {$29000.00}.  XXXX  loans were used,  XXXX  for {$22000.00} and  XXXX  for {$7000.00}. The interest rates are  11/38 %  8.88 % and they 're fixed rates and can not go down. I just moved out of my parents ' house living in an apartment on my own and I 'm realizing how difficult it is to keep on paying the monthly payments I have been paying for the pas t two  years. Since   XXXX   I 've been paying {$580.00} monthly total in student loans, {$450.00} to Salliemae and {$120.00} to a federal student loan.     Recently I called Salliemae explaining the situation and asking if there was any alternative monthly payment plan and they said simply no. They said that income based repayment plans and things of that nature are for federal student loans only, not private student loans. They went on to explain that the only choice was basically to be late with my monthly payment, get a late fee applied to my account of no greater than {$25.00} and they wait for the collections agency to contact me about collecting the debt. This is what I 'm currently doing but I 'm afraid it will ruin my credit and I 'm afraid that Salliemae might take money directly from my paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: KS

Complaint narrative:
Student loans were paid ahead for several months  ( See below ). Great Lakes refuses to apply the loan payments to the principal loan amounts. We have called and written to no avail. Last year these loans were paid {$6000.00} ahead, but they continue to only apply these to the interest. We have quit paying on the loans since last year since it does no good. Will attach loan statements showing amounts paid ahead and that " Total Amount Due is {$0.00} ''. The only thing that appears feasible is to just default on the loans. This is our last hope. We have been paying on these loans for 10 years. Original loan amounts were {$5000.00}  on  XXXX  and {$10000.00} on  XXXX  totaling  XXXX . Current combined loan balances is {$13000.00}. We are beyond angry and frustrated. This appears to be fraud at its best and stealing at its worst. As you can see from the below records, the payments totaled {$5400.00} for just the last quarter of last year and the first quarter of this year. PLEASE HELP US!     Loans :  XXXX   XXXX   XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$980.00} paid ahead  XX/XX/XXXX  {$500.00} paid ahead  XX/XX/XXXX  {$1000.00} paid ahead  XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$880.00} paid ahead   XXXX   {$380.00} paid ahead   XXXX   {$310.00} paid ahead   XXXX   {$250.00} paid ahead   XXXX   {$190.00} paid ahead

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: LA

Complaint narrative:
XXXX A negative debt collection was posted to my XXXX credit report from AssetCare. I immediantly contacted the collection agency and they claimed the debt was purchased on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX in XXXX Texas for services on XXXX/XXXX/XXXX. The were attempting to charge me the amount of {$3100.00}. 

XXXX/XXXX/XXXX - I contacted XXXX XXXX XXXX to verify this information and try to discover where they ( AssetCare ) were coming from because the original amount owed of {$810.00} had already been purchased by XXXX XXXX XXXX with whom I was already working with to resolve the matter. After the hospital billing department representative, XXXX informed me that they did NOT sell nor have any affiliation with AssetCare nor its parent company XXXX XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX and they also confirmed that no such company had authorization to claim this debt. I then again contacted AssetCare and informed them of their fraudulent activity and that I would be reporting them to the XXXX XXXX XXXX and XXXX XXXX XXXX and they simply hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a  Checking and Savings Acc ount with Bank of America.     A few days after the accounts where opened I deposited money in both accounts. A day later I tried to access the accounts by logging in online and access was denied. I was told when I called the risk department the bank decided not to do business with me and the accounts were closed.     I was also told during that call that I would need to go to the local branch to get my money back. I went to the local branch and I was told they couldnt give my money back because they dont have access to closed accounts and the risk department should have told me they would mail the funds back to me.   In the meantime, I keep getting new account information from Bank of America regarding the opening of the accounts ( see attached document ). But no mention of the money they are attempting to steal.     I have attached documents showing the money is there and I would like my funds mailed back to me ASAP ...

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