vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 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: CA

Complaint narrative:
I am having significant trouble getting items on my TransUnion credit report removed and neither TransUnion or XXXX XXXX XXXX are providing me with verification of debt. In the past I have sent request for verification to XXXX XXXX XXXX but did not receive any responsive documents. Furthermore, these items have been disputed with TransUnion and TransUnion always waits four weeks then marks the information as " verified ''. However, I do not understand how TransUnion is verifying the disputed records if the data provider, XXXX XXXX XXXX, can not even provide me with proof of debt or respond to my debt verification inquiries. It may be worth nothing that other consumer reporting agencies and financial institutions have already acknowledged the records submitted by XXXX XXXX XXXX to be false. Indeed, XXXX XXXX XXXX have already been removed from other reports because the information could not be verified.

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 2017-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
My name is XXXX XXXX and I attended XXXX XXXX in XXXX WA XXXX XXXX,2009. I took classes for XXXX XXXX. Could n't even tell you who the teacher was because we did n't have a stable one. I remember even attending on a day and no teacher was there at all. They would have another teacher from another department come and check on us. Ca n't remember much of what I learned because we really were n't shown much. Well go figure we did n't have a teacher. Crazy that all that money they want but ca n't even teach you nothing. Yea I got a book and basically tried to go over it myself and I feel like my grades were n't even real. We could just get to class sign in and leave. It 's like we were really just given a grade because we showed up. After I finished class, time for my externship which I had to find a site on my own??? which I NEVER FOUND. I went back daily trying to get help finding a site and they just brushed me off ... I was then told I had to re enroll in order to refresh because I could n't find an extern site, I THEN HAD TO TAKE OUT another loan which I regret. I hate that I now have to pay back {$13000.00} for what? Not to even be working in this field. I took this route because hey 9 months did n't sound too bad for a single mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: Nelnet, Inc.
State: NC

Complaint narrative:
Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am having significant trouble getting items on my Equifax credit report removed and neither Equifax or XXXX XXXX XXXX are providing me with verification of debt. In the past I have sent request for verification to XXXX XXXX XXXX but did not receive any responsive documents. Furthermore, these items have been disputed with Equifax and Equifax always waits four weeks then marks the information as " verified ''. However, I do not understand how Equifax is verifying the disputed records if the data provider, XXXX XXXX XXXX, can not even provide me with proof of debt or respond to my debt verification inquiries. It may be worth noting that other consumer reporting agencies and financial institutions have already acknowledged the records submitted by XXXX XXXX XXXX to be false. Indeed, XXXX XXXX XXXX have already been removed from other reports because the information could not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017, any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit bureaus have not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit reports.

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 2017-08-01 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: NC

Complaint narrative:
Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved

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 2017-08-01 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: NC

Complaint narrative:
Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: NC

Complaint narrative:
Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved

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 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017, any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit bureaus have not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017, any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit bureaus have not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit reports.

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 2017-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Sometime on or around X/XX/17, the company called 2 of my references to collect a loan. How I found out is both references called me in regarding the call they both received from the company. The company stated to my references, " this person ca n't pay his loan, is there anyway you can get ahold of him ''. Now I understand calling my references to get in touch but where I 'm upset is that told my references personal business that should of stayed between the company and myself. I explain to the company numerous times that I lost my job to give me some more time. I will make a payment. They undertood and my story did n't change. But for them to call my references and say I ca n't pay my loan is no one else 's business. I read my contract, and it does n't say the company has the right to tell anyone my persianl sisuation.

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 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
I received two unsolicited credit cards from two banks. They told that the applications were received via phone calls. I have not responded or accepted any new credit card offer via call initiated by those banks. My phone numbers were not changed in the past 6 years. They were not supposed to issue a card when there is no way to verify the person 's identity.

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 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX. as " Trustee '' for the RMAC Trust, Series XXXX is a FRAUD. XXXX XXXX, along with servicer Rushmore Loan Management Services LLC. are attempting an ILLEGAL FORECLOSURE of my home in XXXX XXXX, Ca. XXXX XXXX XXXX. for the RMAC Trust, Series XXXX is NOT my trust!! My " Original '' Lender was XXXX XXXX XXXX in XX/XX/XXXX. My " Original Trust '' was XXXX Asset Backed Certificates Trust, XXXX, and NOT the RMAC trust. My " Original '' Trustee is XXXX XXXX XXXX XXXX - NOT XXXX XXXX. All is FRAUD. XXXX XXXX was fined XXXX XXXX dollars in XX/XX/XXXX for filing FRAUDULENT Proof of Claims as " Creditor '' in ChapterXXXX Federal Bankruptcy cases. In XX/XX/XXXX, XXXX XXXX filed a FRAUDULENT Proof of  Claim in my bankruptcy case. XXXX XXXX as Trustee for RMAC Trust, Series XXXX DOES NOT OWN MY NOTE, nor does Rushmore Loan Management Services LLC. They filed a FRAUDULENT Corporate Assignment of Deed of Trust in the XXXX XXXX County Recorder 's Office the same day that their law firm, XXXX XXXX attempted a Trustee Sale on my property. They are liars, and they do NOT own my loan, secured by my property. MY old XXXX XXXX XXXX is an UNSECURED DEBT, due to improper securitization and the failing of XXXX to deposit my loan into the trust. XXXX investors were paid off for these trusts by the XXXX XXXX and XXXX XXXX 's agreement to have XXXX XXXX XXXX re-purchase loans. XXXX XXXX sold my loan to Rushmore Loan Management Services in XX/XX/XXXX, when they sold off XXXX pools of NONPERFORMING LOANS with FATAL DEFECTS to investors. My loan was in the Rushmore purchased pool. I have demonstrated, in writing on no-less than 20 separate occasions, to ALL PARTIES INVOLVED that my loan is an unsecured debt, and that they do not have THE LEGAL RIGHT TO FORECLOSE ON MY HOME. I WANT XXXX XXXX as Trustee for RMAC Trust, Series XXXX AND Rushmore Loan Management Services LLC to finally, once and for all PROVE that own my note ( with all legal endorsements ) and I want to see ALL THE ACCOUNTING IN MY MORTGAGE COLLATERAL FILE. THEY ARE FRAUDSTERS AND ARE BREAKING THE LAW AND STEALING HOMES THAT DO NOT BELONG TO THEM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports TransUnion, XXXX and XXXX are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.

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 2017-08-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports XXXX, Equifax and XXXX are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports XXXX, XXXX and Experian are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.

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 2017-08-01 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: Phoenix Financial Services LLC
State: LA

Complaint narrative:
Phoenix Financial Services is reporting a debt in my name to all Credit Bureaus. I do not and haver never had an account with Phoenix Financial Services. I have researched through my Secretary of State and Phoenix Financial Service is not even licensed to collect debt in the state of Louisiana which is the state I reside in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : Designed Receivables Acct # XXXX Bal : {$380.00} Designed Receivables Acct # XXXX Bal : {$1700.00} XXXX XXXX XXXX XXXX No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
I had a car loan with USAA as well as car insurance. I had an accident back in 2015 in which my car was " totaled '' in the words of USAA. My car was paid off and we were sent the access. On my credit report, it shows my account was charged off. They recieved their money, I called and spoke to the insurance rep personally asking if it went directly to USAA and was told yes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: OR

Complaint narrative:
We are owed {$500.00} from XXXX XXXX and they have refused to pay for damage done to our roof while installing XXXX XXXX XXXX. Instead of paying us the {$500.00} they have ignored and state that we owe them {$340.00}. We have disputed this. We have been receiving harassing calls from their collection company as many as 3 calls a day. As an example on X/XX/2017 they called three times from two different numbers. They have sent email when told not to contact us via email and send any communication via US Mail. We have filed a formal complaint against XXXX XXXX XXXX XXXX XXXX for refusal to pay for damage to our roof caused by their installer.

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 2017-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
XX/XX/XXXX, file for bankruptcy. Lawyer said that since bankruptcy all student loans would be deferred. I heard nothing the first year. Thought all was ok. Year 2, I started getting phone calls from navient, since they had received my loans, they were no longer deferred. I explained the situation. They said " sorry '' then again told me they were deferred. Years 3 and 4, exact same thing. Bankruptcyou ended XX/XX/XXXX. Navient took {$2400.00} out of my tax refund for unpaid student loans. I called my lawyer and navient. Got the run around. 1. If my loans were differed I should never have had this amount withheld. 2. It is showing negative on my credit report since XX/XX/XXXX. 3.navient now says that since I was behind they never could defer my payment. I still do not understand how it was behind, I was in bankruptcy and it was supposed to be deferred. I explained to navient. They said that this was after bankruptcy when the loan went through. I talked to navient XX/XX/XXXX and they said I was deferred until XX/XX/XXXX.

Company response to consumer: Closed with explanation