vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-25 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Creditor Name : American Express Account number : # XXXX American Express and the 3 credit bureaus ( XXXX , XXXX and XXXX ) have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by American Express and the 3 credit bureaus. American Express and the 3 credit bureaus have been and are reporting my account as managed by credit counseling program which is not true. I called, contacted American Express and the 3 credit bureaus through certified mail and fax and disputed the inaccurate information multiple times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but American Express and the 3 credit bureaus insisted in breaking the law and violating FCRA ( Fair Credit Reporting Act ) and reporting inaccurate information on my credit report. The furnisher of this inaccurate information is American Express. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to American Express and all the 3 credit bureaus that this account was and is still a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from American Express or all the 3 credit bureaus of their inaccurate information and I didnt receive it from all of them. Since neither American Express nor all 3 credit bureaus have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to American Express on XX/XX/XXXX : XXXX Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX  on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
I sent Alliance Collection Agency a certified letter on XX/XX/XXXX, that they signed for on XX/XX/XXXX, stating that the debt is disputed. On XX/XX/XXXX 30 days after they signed for the mail they did not have the account stating disputed on all 3 credit bureau 's. I requested validation bearing my signature stating that I am contractually obligated to pay Them. I stated to them, if they could not provide me with this information ( and they still have not ) within 30 days of receipt of this letter, they must request that all credit reporting agencies delete the entry as per FDCPA 807 [ 15 USC 1962e ]. I also sent a follow up letter on XX/XX/XXXX as of today XX/XX/XXXX they have not complied. These accounts were paid by workers compensation. It is there responsibility to validate debts before they purchase them, which they did not do.

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 2017-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This is a Parent Plus Loan from XXXX XXXX ( now Navient ) of {$14000.00} in 2009 I received while my daughter attended the XXXX XXXX XXXX XXXX - XXXX XXXX. I started making payments on this loan as soon as it was established and I believe my payments were not allocated properly as this loan should have been paid in full by now. The monthly payment amount would continually change but I always paid more than the required amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: CA

Complaint narrative:
I ordered a XXXX dollar 7-day trial. I was then charged XXXX for a 3 score product. I never said yes to this charge or authorized this company to charge me for this product.

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 2017-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: CA

Complaint narrative:
For sometime now I have been getting texts messages from Discover, which is ok. Today, I decided that I was getting just way too many text message and replied in the Text " Stop '' because it says " Reply STOP to opt out '' I did this, yet after this STOP was sent I got  2  more text message.  <P/> This is a bonafide class action lawsuit, which I do not wish to file, but if  discover does not wish to settle this matter for violations under TCPA, RFDCPA, And CA Business And Profe ssion Code Violations I will file.  <P/> I will be filing a lawsuit, but I do in vite Discover Financial to contact me ASAP so that this may be   avoided. In California cases like these go for a premium, attorneys take them at no charge out of pocket, this is a text book example of a class action lawsuit. Discover card will be responsible for my attorney fees, statutory awards and a special award for brining the class.  <P/> I urge discover card to contact me to resolve this before I file this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: MS

Complaint narrative:
It 's on my credit twice and it showed it was transferred/sold to another company caller Mariner fiance. Monthly payment are XXXX dollars a month. I should n't have 3 on my credit and would like them to be removed as iam not working. And I believe it 's to old to still be on my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: Statebridge Company
State: FL

Complaint narrative:
State Bridge Company, LLC is a Loan Servicer. My primary residence loan was financed with XXXX XXXX. They sold it in XX/XX/XXXX to State Bridge Company LLC. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. <P/>I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XX/XX/XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from State Bridge Company, LLC. <P/>You can XXXX them and see the negative reviews from others..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Recovery Management
State: TN

Complaint narrative:
I have contacted Fox Collection agency numerous times and they will remove the debt and the very next day put the debt back on my credit report. This debt was discharged due to bankruptcy before it ever went to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a new york state tax lien that I have been battling with Transunion and XXXX to delete after the lien has been satisfied immediately through direct paycheck deduction. I have suffered enough through wage and account garnishment. I requested for XXXX and Transunion to furnish me with the phone number of the agency that provided them the information.. I was referred to XXXX County Registry. The registry said they do not report to credit bureau but their records are open to the public. Since the lien has been paid and NYS wants it to be deleted after satisfaction, please compel these Bureau to delete the record. <P/><P/>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 2017-06-25 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: OH

Complaint narrative:
To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX , XXXX, OH XXXX. MY CURRENT WORK INFORMATION IS : XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: OH

Complaint narrative:
To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX , XXXX, OH XXXX. XXXXMY CURRENT WORK INFORMATION IS : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status 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
Consumer complaint received 2017-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
IM POSTING THIS SAME COMPLAINT AND DO NOT CLOSE IT!!! CFPB LEAVE MY COMPLAINTS XXXX XXXX ALONE AND STOP BEING BIAS AND ALLOWING CRIMINALS TO COMMIT FELONY CRIMES, THEY HAVE NEVER PROVIDED A VALID RESPONSE!!!!! LEAVE MY COMPLAINTS ALONE!!! criminals of america refuses to show their side of the accounting, that in fact they are doing business selling my name as a bond and doing business with the secretary of the U.S. treasury, they are XXXX lying criminals, they can not respond with clarity to one complaint ive filed,,, they respond with total XXXX talk and irrelevent information, and its a XXXX shame that CFPB allows this to happen, and my complaints being closed fraudulently bank of america refuses to send me notification of closed account and NO CURRENT CONTRACT!!!!!!!!!! secret accounting without full disclosure and A LIFETIME CONTRACT OF TOTAL FRAUD, THEY OPEN AND CLOSE AN ACCOUNT AT WILL AND TRADE A FICTITIOUS NAME FOR $ $ $ $ BEHIND MY XXXX BACK,!!!!!!

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 2017-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX is a Loan Servicer.  My primary residence loan was financed with XXXX XXXX They sold it in XXXX to XXXX XXXX XXXX XXXX. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XXXX XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from XXXX XXXX XXXX, XXXX. You can XXXX them and see the negative reviews from others..

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 2017-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX is a Loan Servicer.  My primary residence loan was financed with XXXX XXXX. They sold it in XXXX to XXXX XXXX XXXX XXXX. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XXXX XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from XXXX XXXX XXXX, XXXX. You can XXXX them and see the negative reviews from others..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX is a Loan Servicer.  My primary residence loan was financed with XXXX XXXX. They sold it in XX/XX/XXXX to XXXX XXXX XXXX XXXX. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XX/XX/XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from XXXX XXXX XXXX, XXXX. You can XXXX them and see the negative reviews from others..

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 2017-06-25 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: IL

Complaint narrative:
Transunion has been and is reporting inaccurate information about the following accounts on my credit report without verifiable proof. I sent certified mails to Transunion asking about the verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from Transunion of the inaccurate information and I didnt receive it from Transunion. Since Transunion doesnt have a verifiable proof of the inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Transunion onXX/XX/XXXX : XXXX. The following accounts which should be deleted immediately are : Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX  Account Number : # XXXX**** Creditor Name : XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX Account Number : # XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is a XXXX XXXX XXXX tax lien that I have been battling with XXXX and Equifax to delete after the lien has been satisfied immediately through direct paycheck deduction. I have suffered enough through wage and account garnishment. I requested for Equifax and XXXX to furnish me with the phone number of the agency that provided them the information.. I was referred to XXXX County Registry. The registry said they do not report to credit bureau but their records are open to the public. Since the lien has been paid and XXXX wants it to be deleted after satisfaction, please compel these Bureau to delete the record. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
They wo n't send in writing what I owe? Send me in writing what I owe, rather than report it to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: IL

Complaint narrative:
Experian has been and is reporting inaccurate information about the following accounts on my credit report without verifiable proof. I sent certified mails to Experian asking about the verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from Experian of the inaccurate information and I didnt receive it from Experian. Since Experian doesnt have a verifiable proof of the inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Experian on X/X/2017 : XXXX. Second Certified mail tracking number sent to Experian on X/XX/2017 : XXXX. Third certified mail tracking number sent to Experian on X/XX/2017 : XXXX. The following accounts which should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account Number : # XXXX Creditor Name : XXXX Account Number : # XXXX Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
A hard pull was done on my credit report on XXXX XXXX, 2017 for a checking/saving account with ( NFCU ) Navy federal credit union. Then NFCU did another hard pull on my credit report for a credit application I did on XXXX XXXX, 2017. XXXX hard pull inquires within a 30 day period from the same company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation