vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-16 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: AL

Complaint narrative:
Hello I sent off 5 dispute letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to send me verification of the late payments on 2 accounts that I question or remove them. 1 of the accounts was closed and transferred as paid with {$0.00} balance had late payments of XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX and the other one was in good standing which I 'm currently paying on had a late pyment of XX/XX/XXXX. In return I only was told that the accounts was mine and has been updated. While only disputing these 2 accounts, the account that I had that was in good standing was removed from my credit report when I only disputed the 1 late payment and there were now additional accounts that was closed and transferred with {$0.00} balance as paid payment status has now been changed to payment status unknown only with the 2 accounts in question.

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 2018-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Account was hacked and I filled police report, me nor the officer and get in touch with the investigator, whom seemed to disappear after I filed police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX on XX/XX/XXXX allowed a person who cashed my life insurance policy which was only in my name who committed forgery signing my name to deposit the check into their account and not even endorcing to themselves. When I found out I went to the bank I contacted my life insurance company XXXX XXXX XXXX and got their fraud department involved in it. They took money back out of her account to send back to XXXX XXXX XXXX and the person gave false documents stating I had told her to do it. She used her own fax machine called pretending to be me and the bank then put the money back into her account. Then I told them oh wait let me show you exactly what was stated to me via text that a check came in both our names she did n't say what for I had recently XXXX my twin grandson and thought a donation I was in XXXX XXXX but I have XXXX and believe me I need my life insurance that my Grandpa started on XX/XX/XXXX. The bank sent back the money to XXXX XXXX XXXX again but then the insurance company sent me the check wanting an additional 400 plus more along with check to reinstate my policy because of penelties interest etc. gave me 3 weeks to send all that back. I did n't have the money my XXXX cost XXXX to XXXX XXXX XXXX. I lost my insurance for a mistake I was not even part of. I feel everyone was at fault but me. I did n't have money to hire an attorney so I lost all the way around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: TX

Complaint narrative:
I was told by both XXXX and Experian Credit Bureaus that the Unites States Bankruptcy Court Verified a Discharged Bankruptcy on my Credit Report when I disputed Information contained within. I in turn wrote and asked the United States Bankruptcy Courts to please explain their Verification Procedure and I was given a Letter that they, the United States Bankruptcy Courts " Do Not Verify '' Discharged Bankruptcies with any Credit Reporting Agency, Businesses, or and Data-mining Collection Agencies.

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 2018-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX SSN : XXXX | DOB : XX/XX/XXXX To whom it may concern, I had a vehicle repossessed in XX/XX/XXXX because letters sent to me went to the wrong address, this was strange because i have lived at my current address for three years, and all the paper bills for the vehicle came to my current address. 

I never saw any of the documents Global Lending Services sent out regarding late payments until last week after i sent them a request to remove the repossession from credit report based upon their error, which could have been resolved had i known that the negotiations were not honored when i spoke with an agent during that time. 

I have enclosed the documents to prove the facts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a CitiMortgage loan account it went past due back in XXXX or XXXX I got a letter from XXXX XXXX XXXX saying they could help me work out a repayment plan with CitiMortgage. So i paid them a lump sum up front and made payments to them for 18 months. Then i found out they did nothing for me at all they just took my payments and got me more behind with CitiMortgage. 
Since that time i have been trying to get my loan in some kind of repayment plan But CitiMortgage is very unwilling to work with me They keep asking for documents that i have already sent over and over again. 
Then CitiMortgage started coming up with other reasons such as your interest rate is lower now then what we can offer you. 
You have already had loan Modifications in the past we can not offer you another one. 
Your paperwork was not sent on time to stop your foreclosure. 
In the last year i have received loan modification paperwork from CitiMortgage but then i was told it was not approved or sent by CitiMortgage. 

These are the problems i am having with CitiMortgage besides the fact i have asked for copy 's of my loan documents from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, So i can find out what kind of fraud is going on with my account. 
Instead i get the run around and to this date i have not seen one document i have asked for all i want to do is resolved this matter. 
I have told CitiMortgage many time i believe my account information has been tampered with and it need to be looked at, There answer to me is. OH IT IS SET FOR A FORECLOSURE SALE AND I CAN NOT STOP THE SALE. 
There is a sale date set for XXXX/XXXX/XXXX I need this canceled until we can get to the bottom of the fraudulent activities going on. 

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 2018-01-16 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: MS

Complaint narrative:
This issue that i am have is that XXXX XXXX has a Bankruptcy on my credit file dated for XXXX XXXX 2014. to my knowledge i have never filed a BK. I have sent letter and file dispute with this company and each and every time the item has come back a verity. Since this item as come back and been verify i have even went as far as sending a letter to the US Bankruptcy Court Of XXXX ask them do please state how they verify item to the credit bureaus, the answer that received back was that they do not verify anything to the bureaus. I sent this documentation along with my request to this agency and this item as come back verify and which this item can not be verify because of the fact that us bankrupt court does not verify

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 2018-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XXXX SUV Reposessed by Credit Acceptance XXXX - Judgment placed against me by XXXX XXXX XXXX XXXX XXXX on behalf of Credit Acceptance for Balance of Original loan less sold value, plus interest XXXX - XXXX Garnishment From wages to pay balance XXXX - Called XXXX XXXX XXXX XXXX stating my credit report is only showing a {$300.00} Balance left, after all of the garnishment Ive paid. XXXX XXXX XXXX XXXX stated I owe an additional {$2400.00} at 9 % interest, however my credit report is now showing the repossession has been paid in full since XXXX/XXXX/XXXX. 

Ive sent requests in writing to Credit Acceptance, and XXXX XXXX XXXX  XXXX for some sort of Ammortization schedule, or some sort of proof that there is still a balance. I also requested this information on the phone with Credit Acceptance who said I needed to speak with XXXX XXXX XXXX  XXXX on the matter. XXXX XXXX XXXX XXXX could not provide me with an ammortization schedule or information as to why my credit report balance decreased every month after payments were applied from the garnishment. They did state however that they only applied {$98.00} from the {$340.00} a month that was garnished towards the principal balance. 

Since XXXX/XXXX/XXXX, they have taken almost {$600.00} in additional garnishment.

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 2018-01-16 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: MS

Complaint narrative:
This issue that i am have is that XXXX XXXX has a Bankruptcy on my credit file dated for XXXX of 2014.  to my knowledge i have never filed a BK. I have sent letter and file dispute with this company and each and every time the item has come back a verity. Since this item as come back and been verify i have even went as far as sending a letter to the US Bankruptcy Court Of XXXX ask them do please state how they verify item to the credit bureaus, the answer that received back was that they do not verify anything to the bureaus. I sent this documentation along with my request to this agency and this item as come back verify and which this item can not be verify because of the fact that us bankrupt court does not verify

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 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The accounts were deleted and has been put back onto my account. AS a result, I requested in XXXX and again in XX/XX/XXXXfor Trans Union to delete the reposted accounts. Or, furnish me with the actual documents they have and used to substantiate the validity of the erroneous accounts. The accounts were initially deleted due to identity theft. {$1000.00} & {$120.00} were deleted by XXXX XXXX. 
I have requested once again for Trans Union to provide me with proof per FCRA of the documents they used to substantiate the reinstatement of these accounts and to date I have not receive any evidence.

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 2018-01-16 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: TX

Complaint narrative:
I was told by both Transunion and XXXX Credit Bureaus that the Unites States Bankruptcy Court Verified a Discharged Bankruptcy on my Credit Report when I disputed Information contained within. I in turn wrote and asked the United States Bankruptcy Courts to please explain their Verification Procedure and I was given a Letter that they, the United States Bankruptcy Courts " Do Not Verify '' Discharged Bankruptcies with any Credit Reporting Agency, Businesses, or and Data-mining Collection Agencies.

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 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The account was deleted and replaced back onto my account. I requested per FCRA on XXXX an XXXX for Trans union to provide me with the actual documents they have on file to substantiate this charge-off. 
This account was initially deleted due to Identity theft by XXXX XXXX XXXX. I have requested that Trans Union once again permanently delete this account with a credit limit of {$600.00}

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 2018-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
OnXX/XX/XXXX/2017, AND XX/XX/XXXX/2017 ; I submitted an complaint regarding XXXX XXXX XXXX. This company has not been following any of the following laws, FCRA, OR FDCPA. I disputed this debt on XX/XX/XXXX/2015 with XXXX Dispute # XXXX and this debt was agreed to be removed and deleted from my credit file XX/XX/XXXX/2015, they only remove the debt from XXXX reporting bureau, but have disagree to remove and delete this debt from from XXXX, and XXXX Credit file. They just recently report my account on XX/XX/XXXX/2018 as open charge off. I have called to this company to provide me with the original contract from the original creditors, they have refused to do so without me obtaining an legal Attorney. This is a voilation of my right.

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 2018-01-16 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: MA

Complaint narrative:
There is someone else on my credit score. This is the second time that this has happened. Equifax customer service is garbage and is not able to help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I will attach a copy of the letter I am sending them but this is in fact the second or third time I have attempted to resolve this with them. They are charging me an interest rate that is illegal in my state. Last time I filed a complaint against them they ignored it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The account was deleted and replaced back onto my account. I requested per FCRA on XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX an dXX/XX/XXXX for Experian to provide me with the actual documents they have on file to substantiate this charge-off. This account was initially deleted due to Identity theft by XXXX XXXX XXXX. I have requested that Experian once again permanently delete this account with a credit limit of {$600.00}.

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 2018-01-16 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:
Good morning. There are inquiries on my Experian credit report that I did not authorize. I 've called and written them letters and I 've yet to get a response. Below are the inquiries that I did n't authorize. 

XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( 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 explanation
Consumer complaint received 2018-01-16 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: NJ

Complaint narrative:
I 've asked this company to verify or provide paperwork of my payment history in which that refused to make my payment on time. This company sent and reported wrong information to the Three Credit reporting  bureaus. They reported that XXXX I had made no payment until XX/XX/XXXX, until XX/XX/XXXX and totally stop. This company use the MPN for 4yrs to their advantage ; then when the Promissory note came to expired they defaulted my account and sent it back to XXXX XXXX XXXX. This is breaking the law and abusing and using government funding.

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 2018-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: WI

Complaint narrative:
This company is repeatingly calling my family members multiple times a day in a form of harassment since spring of XXXX. They told my family members I owe to a loan company and are threatening to sue me-that 's harassment, and illegal for them to spread my information. I do n't know what company this is as when I get private calls/voicemails they do not leave a number to call directly. They leave voicemails on my family members and my phone on private calls saying that they are sending somebody to summon me court order papers. That never happened. They are calling my family members more than they are calling me. I heard the voicemail left to me XX/XX/XXXX of a court order being sent to my address in person within an hour, and I have not received any papers. They provided a case number that was not in the XXXX XXXX Court systems ( XXXX ) as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
XX/XX/XXXXXXXXXX/XX/XXXX I attended classes at XXXX university. The FTC sued this university and awarded students a settlement. Unfortunately, XXXX university has failed to erase the student debt which was a part of the settlement. The settlement also includes {$30.00} million to forgive all private unpaid student loans issued to undergraduates between XX/XX/XXXX and XX/XX/XXXX, and {$20.00} million for tuition, books and lab fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Shop, Incorporated
State: FL

Complaint narrative:
Credit Shop Amount : {$2600.00} I contacted this company on several occasions in order to state that my identity was stolen and that I did not apply for this loan. A family member stole my identity and caused havoc. I disputed it through the 3 Credit Bureaus ( XXXX, XXXX, XXXX ) also. The company just stated that the debt was valid, but never gave me any paperwork showing my signature or proof of this being my account. I have been in a back and forth battle with this company throughout 2017.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC

Complaint narrative:
Portfolio Recovery has been phoning at all hours of the day and night.

In the past 16 day, they have phoned me week they have phoned me 7 times on these dates and times ( all times/dates are local to me ALL calls were in violation of government regulations : XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX  XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX  ) XXXX They never leave a message and when you answer, they hang up immediately. On XX/XX/XXXX, I advised the agent did she realise that it was XXXX? Her response was " no it 's not, it 's XXXX. '' They refuse to listen but instead want to violate federal regulations.

Company response to consumer: Closed with non-monetary relief