vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 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: SC

Complaint narrative:
Your settlement for improper use of individuals private imformation was settled improperly. I didnt agree to a monetary compensation. I would like 125 points added to my credit score. The conditions of this economy are not and have not ever been fair to people of XXXX. XXXX is derived from the old English language meaning hidden as to say people of XXXX are to be kept away from acquiring assets such as property because they are considered property. I fell as though you should give people of XXXX a fair chance at property ownership. The Americans dream should not be owning a house. That should be the benefit of being American.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Back in XX/XX/2017 University of XXXX contacted me and we three way called Navient. They helped me get set up on I.B.R. At this time I was told all my loans were covered under this. I even have bills with XXXX balance. But then I go to go back to school and there is a hold on my fasfa. Because navient has sent 2 of my student loans to collection. During this time I am still receiving XXXX  balance due. Because of this hold i am not able to start school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have been seeing unknown charges on my account from XXXX. I reached out to XXXX on XX/XX/19 for resolution and they informed me that because of the merchant and type of transactions that they can not offer a refund. I tried reaching out to the merchant, XXXX XXXX, on XX/XX/19 as well, but I have yet to receive a response from them still to this day. I then reached out to Cash App on XX/XX/19, which is my debit card holder. Cash app canceled my card and mailed me a new card. They told me I would here back from them within 10 days. They responded to me on XX/XX/19 and told me that my dispute was declined by their disputes team and for me to contact the merchants. I asked for them to provide me with proof that they tried to reach out to the merchants on my behalf since I had already explained that I tried that first. I was told that they did not try. I dont understand what I am left to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX Company keep reporting into my credit report in my credit report I wrote them several time plus I sent letter to all three credit bureau nothing been solve please I need help solving this. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, or incomplete, you have violated federal law I expect you to make a reinvestigation immediately. my social number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
The mortgage company gave me three options repayment, forbearance and foreclosure. The repayment method did not work out because I missed a payment. I am on a fixed income and my wife does not work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Green Bay, Inc.
State: WI

Complaint narrative:
On XX/XX/2019 I received a letter stated that a balance of {$110.00} is owed for an account with XXXX XXXX XXXX XXXX. I do not have and have never had an account with this company and deny the debt.

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 2019-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I am writing to you to complain about First Federal Credit ControlXXXX XXXX XXXX XXXX, XXXX, FL XXXX. I have found adverse account information listed on my credit reports. I have no known or verified accounts with this business and after repeated verification request FFCC has not responded to my certified letters and continue to report to XXXX, XXXX, XXXX, and XXXX ( all major credit reporting agencies ) in violation of federal law. This company unlawfully reported to the credit bureaus as resent as XX/XX/2019. First Federal Credit Control has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to all the three major credit bureaus. The erroneous accounts are in the amount of {$430.00}, {$86.00} and {$85.00}. The accounts are erroneous, inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact First Federal Credit Control multiple times via registered USPS certified mail with return receipts which prove FFCC has  blatantly ignored my attempts resolve this issue and they have not responded to my requests. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Jpmcb - Card Service Inquiry from XX/XX/2018 National Credit Card Cos. They made a hard inquire of my credit. When i checked my credit score and reported, i was shocked. This situation really affects my XXXX   health, because as you can see I do not have any late payment on all my debts, I have being extremely responsible with all the financial institutions that I have a relation with, and this hard inquire drops my score.

I want from you to remove that inquire because i did not request any credit from this institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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: MN

Complaint narrative:
I have XXXX XXXX Account that has been paid off in full, and shows up negative on my credit report. I've requested it to be remove as negative item reporting on all 3 bureaus. It is reporting as a closed account dated as a Charge Off XX/XX/2017. The Amount saying that I owe is {$400.00}. I need this to be removed from my credit immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: NJ

Complaint narrative:
I contacted Experian to dispute a collection account that I did not identity. At the time my credit score was XXXX. They alerted me that the account was removed and lowered my credit score by XXXX points. This decrease in score moved me from GOOD credit to FAIR and there was no additional activity on my report besides the request I submitted to Experian about the collection account. If consumers are to be penalized for disputing incorrect information on our accounts then I really need to understand the rationale for credit score reporting. What happened to me has jeopardized my credit standing and may keep me from having access to additional credit on my existing accounts as well as more favorable interest rates from as I was downgraded from GOOD to FAIR. I ask that the XXXX points deducted from score be restored and a written reason be provided as to why the action was taken in the first place. A collection account was cited as the reason my score was not higher, yet, once addressed and removed my score dropped ... significantly.

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 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
There was an eviction filed against me on XX/XX/XXXX by XXXX XXXX XXXX. I appeared in court to answer the claim and agreed the debt was legitimate however, I was not in a financial position to pay at the time due to my employer cutting my hours, less leaving me unable to maintain the cost of my residence. I agreed to vacate and did so by XX/XX/XXXX. A judgment was filed against me on XX/XX/XXXX by XXXX XXXX XXXX. In that frame of time, Rent Recovery Solutions contacted me to obtain payment as the debt collectors representing XXXX XXXX XXXX. At that time while speaking to the Rent Recovery representative she erroneously notated my account stating that I said I was in bankruptcy. I have never in my life been in bankruptcy. Unfortunately, I have tried for the past 2 years to explain that was an error on Rent Recovery behalf and that I would like to pay my debt owed so there is no unpaid judgment on my credit report. They have refused every time I have called to speak with someone to obtain a letter of validation of debt and discuss payment options. They state every time, their unable to discuss my account any further and I need to have a legal representative call to discuss my case. I have asked for them to send validation of debt to show an attorney, they still refuse to send any information to me. I recently called Rent Recovery Solutions on XX/XX/XXXX and the representative stated that I need to have a bankruptcy lawyer call them and provide proof of no bankruptcy. That just doesnt make any sense. If Ive never nor am I in bankruptcy why would I have a bankruptcy lawyer call? I have been trying for 2 years to pay this debt so that I can apply for a new residence but unfortunately this discrepancy is hindering me from living independently. I just want to pay my debt owed and receive a written proof of payment. I shouldnt have to suffer because someone from their office made an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently trying to get an Auto Loan for a used car and am unable to. I have applied and have been denied an Auto Loan through XXXX twice. Once on Friday, XXXX, and another time on XXXX. Each time XXXX has denied my application due to the inability to verify my identity. It is stated that this information was received from Experian. XXXX stated that the statement " Unable to verify applicant 's identity '' is from Experian, and Experian is denying the credit report to XXXX because of the inability to verify my identification. I called Experian and they stated my credit report looks perfectly fine as well as my personal information and they could not help me with the issue. They recommended I try to file for further research on their website and include documents. The only document available to me is the denial of the auto loan. I am trying to clear up why Experian is not sending XXXX my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Towards the end of 2018 I paid a collection from CMRE FINANCE in the amount of {$120.00}. I though that the visit to the hopital was covered under my insurance which is why it was not paid in the first place. It was my understanding that if I paid the debt it would be removed from my report as a collection. It is still on there and CMRE has been incredibly unhelpful. I have called to ask if they could please remove, I would even pay a fee. However they refuse. This one collection is GREATLY affecting my life by preventing me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Applied for personal loans and received approval for loan. Then called to speak with loan representatives XXXX XXXX who was very Rude and stated in order to fund money to my account he wants photos ID of Divers license, Bank account, password and account user name. Very hard to reach him after all information above sent to him. What a scam! Lying to people who already is in need of loan! What a fake Bank cooperation!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: CA

Complaint narrative:
I was victim of identity theft. I noticed that someone opened credit card from XXXX XXXX XXXX XXXX without my concern. I've been trying to dispute the account with XXXX and Experian they denying since XXXX. I lost hope that they ever going to believe that was unauthorized ....

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 2019-07-29 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: U.S. BANCORP
State: FL

Complaint narrative:
Us Bank Inquiry from XX/XX/XXXX Us Bank Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 

XXXX - Card Service Inquiry from XX/XX/XXXX They made a hard inquire of my credit. When i checked my credit score and reported, i was shocked. This situation really affects my XXXX health, because as you can see I do not have any late payment on all my debts, I have being extremely responsible with all the financial institutions that I have a relation with, and this hard inquire drops my score. 

I want from you to remove that inquire because i did not request any credit from this institution.

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 2019-07-29 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: NC

Complaint narrative:
I have account in which do not belong on my report every time I report with Equifax they never remove but has been removed from XXXX and XXXX, they keep saying accounts are mine and they are not, for example they were some accounts with XXXX XXXX XXXX ( 40 Equifax continued say they were mine when the social ended XXXX and mine is XXXX and they were never removed took me two months to get resolved and finally got deletion letter from orifinal creditor because Equifax failed to comply and remove and still has not removed. they have verified true fraud of identity theft and have police reports and packet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I had asked Nationstar/Mr Cooper for two years for assistance and was told I was not eligible for any. I put my home on the market and relocated out of state. My home was on the market for a year and the offer we had would make it a short sale. We submitted all paperwork to Mr Cooper in XX/XX/XXXX and received confirmation of receipt. In XX/XX/XXXX I received a letter from Mr Cooper with regard to a modification. I called and stated that a modification was too late and I had asked for one for two years, I want the short sale processed. In XX/XX/XXXX, I received another letter from Mr. Cooper regarding a modification. When I called, I was told that although they received the paperwork for the short sale, my agent/lawyer needed to enter information on line. This was the first we were notified of this. Everything was submitted and they they said we needed updated payoff statements. We sent this and today I received a letter from Mr Cooper offering payment options. I called again, now they state that is more information needed on line. My realtor and lawyer have submitted this information numerous times and each time Mr Cooper fails to process it. I am forced to pay for utilities and an alarm system to keep the property secure. This has been going on for four months, even after Mr Cooper confirming receipt of the short sale paperwork. I can only assume that this is purposeful and willful sabotage of this short sale as I am about to lose my buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Midway Resolution Services LLC
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX to set up a settlement on a XXXX loan thru XXXX. When I contacted them to ask for an extension I was constantly threaten over the phone with XXXX XXXX and also XXXX my XXXX XXXX income these threats do not comply with the FDCPA ( fair debt collection Law ). I had already made a payment to them and still would not work with me also. FDCPA and TCPA where not fully disclosed and I feel as these laws where broken by this company.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
To Whom It May Concern : I am writing because my vehicle was repossessed prematurely and not based on company policy. I was informed by an Ally representative their company has a 90  day policy for repossession. My payments are due on the XXXX of each month. My vehicle was repossessed either the evening of XXXX XXXX XXXX XXXX or the early morning XXXX XXXX XXXX XXXX. At the time of the repossession my account was 85 or 86 days past due. I have called XXXX times since XXXX XXXXXX/XX/2019 to resolve this matter with Ally to no avail. I tried to make payments to Ally twice on XXXX XX/XX/2019 ( two different calls ) for the total past due including any and all fees plus the upcoming payment that's not due until XX/XX/2019 ; and they have repeatedly refused to accept my certified funds. They are stating because the vehicle has already been repossessed, I now have to pay the total balance in full. I had just received an email from Ally on XXXX XXXXXX/XX/2019 at XXXX XXXX  stating my payment was due on XXXX XX/XX/2019, but according to the representative my account was already flagged for repossession days before. I was preparing to make a payment on XXXX  XX/XX/2019 because I just received a pay check from my employer that cleared. However, I awoke to find my vehicle was taken prematurely repossessed. I feel I am being treated unfairly and under the circumstances I would like to be given an opportunity to rectify this situation. I never received any verbal or written correspondence stating my vehicle was in jeopardy of being repossessed. I honestly thought if I made payments on XX/XX/2019 I would be fine. I am able to make all the past due payments and any fees plus the upcoming XX/XX/2019 and even XX/XX/2019 payments in full immediately by certified funds. This is my livelihood, if I don't have a vehicle I can't work and if I can't work I lose everything.

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 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XX/XX/2019 - XXXX XXXX closed account in my name. 
XX/XX/2019 - XXXX XXXX reported account was closed by consumer which is incorrect. 
XX/XX/2019 - XXXX XXXX reported a balance of {$510.00} XX/XX/2019 - XXXX XXXX reported a balance INCREASE of {$32.00} XX/XX/2019 - XXXX XXXX reported that the account was AGAIN closed by consumer XX/XX/2019 - XXXX XXXX reported that the account was delinquent. 

Letter dated XX/XX/2019 disputing the accuracy of the information reported to the three ( 3 ) credit reporting agencies ; namely the closing of the account and the continued assessment of interest payment and balance increase. The main point of disputing being that a close account can not accrue addition interest and balance increase. 
Series of email exchanges in connection to the disputed information. 

XX/XX/2019 - XXXX XXXX Reported that the account was canceled by Credit Grantor XX/XX/2019 - XXXX XXXX reported a balance increase of {$7.00} XX/XX/2019 XXXX XXXX reported the account as delinquent.

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