vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-06 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: MO

Complaint narrative:
After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX Credit Cards ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - Telephone ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: MO

Complaint narrative:
After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX  Credit Cards ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - Telephone ( 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 non-monetary relief
Consumer complaint received 2018-06-06 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: TN

Complaint narrative:
I have requested the original contract from Equifax, XXXX, and XXXX on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, Equifax XXXX and XXXX are all miss informing creditors of my information, and in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
We purchased our vehicle XX/XX/XXXX. We called to find out who our finance company was multiple times but the dealership stated the company would send us a payment coupon book and to wait until they did. When we finally got notified of who to pay which was world omni finance they told us we owed two months in payments when we had only owned the vehicle for 1 month. We made our payments work to not be 30 days late but always had to pay at the last minute and carry a balance due to this accounting error. In XX/XX/XXXX we were affected by hurricane Irma. We asked for assistance during our time of need as we could not return to our home and did not have power pr basic necessities. They refused stating they would not provide assistance because our account was less than 6 months old even though a major catastrophe had just occurred. We tried our best to keep up payments which put us almost 3 months behind in XX/XX/XXXX. In XX/XX/XXXX we sacrificed XXXX  for our family to get caught up on payments for the vehicle. They have not been good to deal with or understanding. Being late with no assistance caused a major hit to our credit which put us back financially again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/18 I filed a complaint # XXXX, and it was removed from my XXXX  reporting as this was a credit check for a credit card for XXXX without my consent or knowledge. Using a very old address, a clear indication of Identity Theft. 

Now the same exact reporting is showing on my Transunion credit report and also needs removed. See attached images below.

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 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a 15 year fixed mortgage with Santander Bank. I paid off the full balance on XX/XX/XXXXbut the XXXX tax document of XX/XX/XXXX never arrived. I called Santander bank and was transferred to the new servicer. The new servicer said that they took over in XX/XX/XXXX and could not find my information based on provided loan number, name and property address. No help provided despite the follow up.

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 2018-06-06 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: TN

Complaint narrative:
I have requested the original contract from XXXX Transunion, and XXXX on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, XXXX Transunion and XXXX  are all miss informing creditors of my information, and in violation of federal law.

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 2018-06-06 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: TN

Complaint narrative:
I have requested the original contract from XXXX, XXXX, and Experian on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, XXXX XXXX and Experian are all miss informing creditors of my information, and in violation of federal law.

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 2018-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX the bank charged me {$26.00} just because the the monthly payment of {$3000.00} which I made from my other bank was posted onXX/XX/XXXX instead of XX/XX/XXXX.

XX/XX/XXXXbeing XXXX XXXX  and bank holiday caused a minor just 2 day delay. The 2 day interest on about {$3000.00} came to be {$26.00}. I tried to call the bank to explain them the situation but the representative/supervisor wouldn't listen to me and was very rude.

I think this amount of interest just for 2 days is not a fair business practice and not acceptable. It would have been okay if it was for whole month. I was hoping the bank tele-representative would understand that and give me a favorable resolution. He didn't. When I said that I would rather close the account as this is ridiculous, he didn't care.

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 2018-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I purchased a lease through XXXX and paid off the lease before the end of my lease in full. I decided to turn the lease into XXXX early considering it was paid off in full and I was charged an early termination of the lease in an excessive amount of $ XXXX and now show a balance saying I owe an additional amount of {$480.00}. I feel this is not fair considering the lease was paid off and i had a credit balance of over 5k when the lease was returned and XXXX charged my account this excessive early lease termination on a lease that was paid in full and I feel, I should not have been charged that amount

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I put in a dispute for a charge to my account which happened onXX/XX/XXXX for {$180.00}. The merchant sent the item and it was not as described. I contacted my bank once sent the item back to the merchant via USPS on XX/XX/XXXX. Chase bank in return processed the claim and put a temporary credit in my account of the {$180.00}. I just received a letter from the bank stating they will be removing the credit from my account because the tracking info shows the item is still in transit sinceXX/XX/XXXX. This is not my fault, I have no merchandise and neither do I have the money for this purchase. I would like the credit to remain in my account until we can clear up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX College XXXX XXXX practiced predatory leading made false claims of 98 % placement rate after graduation and students making over 50,000 a year. They had a a class action lawsuit that paid out in XXXX by Attorneys XXXX XXXX and XXXX XXXX. The school was placed on probation for accreditation and didn't inform student body or alumni. There were student loans taken out that were without signers consent falsely by XXXX College staff. This is deceptive practices and against the Dept of Education rules and policies. This School is now closed as of XXXX due to having numerous fines/ complaints and a XXXX XXXX special about the deceptive behaviors/ false claims/predatory lending practices of this school. I would like my federal student loans discharged due to all the above all accrued due to this For Profit College.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: NV

Complaint narrative:
Experian I have sent several letters, the last one more than 90 days ago, to Experian requesting them to delete an account that is not mine, and they have not.

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 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have notified Experian of incorrect personal information. I also have called and they do not have live representatives. Their phone system routes you in circles without resolution or live help. 

My address is not showing correctly with Experian. They show an old address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. This incorrect address prohibits me from reaching them as their system is not able to validate me. 

In addition there are aka names listed that are not mine such as XXXX XXXX. 

They are also reporting that I have no active accounts but I have XXXX XXXX for a credit card and a car loan that they do not provide the current activity for. 

Please help me resolve this. My phone number is 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 2018-06-06 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: NV

Complaint narrative:
XXXX  I have sent several letters, the last one more than 90 days ago, to XXXX requesting them to delete an account that is not mine, and they have not.

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 2018-06-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX  I have sent several letters, the last one more than 90 days ago, to XXXX requesting them to delete an account that is not mine, and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax reporting XXXX XXXX as inquiry. This is unauthorized inquiry. I have contacted XXXX XXXX and they have no record of this inquiry. Equifax reporting this falsely and providing written proof per my letters

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX  reporting XXXX XXXX as inquiry. This is unauthorized inquiry. I have contacted XXXX XXXX  and they have no record of this inquiry. XXXX  reporting this falsely and providing written proof per my letters

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 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX reporting XXXX XXXX as inquiry. This is unauthorized inquiry. I have contacted XXXX XXXX  and they have no record of this inquiry. XXXX  reporting this falsely and providing written proof per my letters

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 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XX/XX/2018. Action equifax drop my score by 13pts today with no reason. It was an instant drop over a 12 hour timeframe

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below for 2 of my XXXX XXXX  Credit card.

XX/XX/XXXX-30 days Late XX/XX/XXXX-60 days LateXX/XX/XXXX -60 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AZ

Complaint narrative:
I never opened a XXXX  account. I asked this collection company to show me the wet ink signature and contract also to verify his license to collect in my state. This company only has sent me statements and has not proven this debt to be mine. I gave them 30 days to substantially validate and verify this to be mine. They have not and it's my right to be provided the evidence of said debt per fair credit reporting act. This is not my debt. My identity has been messed with. Please force this company to comply with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
On or aroundXX/XX/XXXX, I had fell upon very hard times and took out a payday loan from XXXX XXXX. I was unable to repay the loan according to the original terms and called XXXX XXXX to try and work things out. They told me the terms were no negotiable and my account would continue to be charged astronomical interest fees on a daily basis and be turned over to collections. As I was on fmla medical leave at the time with only a small portion of my normal pay I was unable to meet their demands. Several months later I received a mulitude of threatening emails, text messages, and phone calls from Ad Astra Recovery Services threatening to sue if I did not pay not only the original amount borrowed from XXXX XXXX  but a few thousand dollars more in accrued interest and that they would keep charging my balance interest fees monthly until paid in full. I made arrangements to borrow money to pay off Ad Astra Recovery In Full in XX/XX/XXXX with a promise to pay in full for deleting their reporting to XXXX, XXXX, and XXXX ( Pay for deletion ). I went to their lawyers office on XXXX XXXX in XXXX XXXX  and paid the original loan and interest in full as well as the additional accrued interests and charges they collected from me to prevent being sued. They were suppose to remove the remarks and account from my credit report but have not done so despite multiple and repeated credit reporting disputes. This account on my credit has caused me great harm financially and hurt my ability to secure a mortgage loan. I want Ad Astra Recovery, a third party collection agency to remove this information from all three bureau credit files permanently. They did not hold up their end of the bargain and I paid them over {$5000.00} for a loan that was thousands less than owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: United Group Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX XXXX that there was a change to my credit report upon review it was United Finance submitting as if I was applying for a loan. I have not applied for anything since XX/XX/XXXX with this company so I called on XX/XX/XXXX I called United Finance to see what it was about and was told it was to garnish my wages. I then inquired what for they advised for a auto loan that was taken out in XX/XX/XXXX. I disputed the claim and was sent a letter for ID theft asking for copies of my ID which I would not send. Then I contacted them again the next week to get balance and last date of payment and judgement date and court filed at I was told balance is {$12000.00} don't have record of last payment judgement dateXX/XX/XXXXXX/XX/XXXX and through XXXX County. I had sent a request to XXXX County to get a copy of court documents in which it states that a letter was mailed to a address that I was not at for at least 1 and half years prior. Still to this date I have not received one notice from United Finance even though they say that they sent statements. This loan was originally for {$2000.00} now almost 20 years later they are wanting over {$12000.00}. Per the court papers principal balance is {$1600.00} and filed on XX/XX/XXXX which is well past the 6 year statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: MO

Complaint narrative:
After giving the credit agencies time to fix this problem they still failed in doing so. The following account has previously been disputed many times all with no prevail. The FCRA assures the consumer that disputed accounts, without physical verification shall be removed. This following account I have no knowledge of and if the credit agencies continue to update it then by the laws of the FCRA they should provide physical documentation before taking the senseless and easy way out by updating an frivolous account. The following account in dispute is XXXX XXXX / XXXX XXXX ( XX/XX/2012 )

Company response to consumer: Closed with explanation