vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-26 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: IL

Complaint narrative:
After sending information to verify myself with my disputes, Experian has sent a refusal to investigate my credit file claiming a “Suspicious Request”. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experian’s delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same “canned” response from Experian because they think no one will take legal action...The items in question are as follows:ACCOUNTS	XXXX/XXXX	****XXXX	XXXX	****XXXX	XXXX		****XXXX	XXXX XXXX XXXX XXXX	****XXXX	INQUIRIES	XXXX				XX/XX/XXXX	XXXX XXXX		XX/XX/XXXX	XXXX XXXX	XX/XX/XXXX	PUBLIC FILINGSXXXX XXXX XXXX XXXX XXXX/XXXX	XX/XX/XXXX	XXXX XXXX XXXX XXXX XXXX/XXXX		XX/XX/XXXX	XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MO

Complaint narrative:
I paid the debt of {$150.00} ERC collection company for XXXXXXXX XXXX XXXX of 2018. When i paid the debt i ask could it be taking off my credit report. the young man i spoke with said it would come off in 45 days. It came off as promised, then they put it back on as Paid. this is an unfair credit act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On or around the XX/XX/XXXX PayPal chose to close my paypal credit account and effectively shut me out of all access to include statement and terms as well as access to timelines in relationship to 6month same as cash promotional offers. These offers timelines are important since they need to be paid at a specific time to avoid future finance charges. 
My paypal account was opened XX/XX/XXXX and has always been paid as agreed. I received numerous credit increases over the past year. PayPal took it upon themselves to shut my account with no warning. After speaking with various staff memebers I was informed it was due to a bankruptcy filed and XXXX in XX/XX/XXXX. The account was opened in XX/XX/XXXX. The bankruptcy was public information though they claim they where not aware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX reference # XXXX This company is trying to collect a debt from me in reference to a XXXX XXXX bill of {$190.00}. I have never used or setup a service contract with XXXX XXXX. I have come across this issue because of checking my credit report and see this listed under collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: United Credit and Collections Inc.
State: IL

Complaint narrative:
During time we had a tenant in our property she over flowed an upstairs toilet and it leaked all the way down to the first floor into the kitchen. our insurance contacted a contractor to do the repairs, when we regained the property after having to evict our tenant due to a diff circumstance we received an additional bill from the contractors and I emailed them a response as there was still holes in the wall above our cabinets, you could plainly see where they cut out squares in the ceiling and the texture spray was coating every fixture and something that was caustic was leaked on the island which left a large spot where the gloss and some color was removed. I emailed the company about this and they never replied and no they have a debt collector calling myself, my daughter, my husband, and all of our friends on XXXX they can see who has their phone number listed. I got a message from a friend last night at XXXX XXXX stating XXXX XXXX from United Credit and Collections XXXX XXXX XXXX XXXX XXXX MO XXXX called her. This person has our phone numbers and our home address as he has sent us notification via the mail, so he is only calling everyone we know in an attempt to shame or embarrass u and is breaching our privacy, and the privacy of friends we have 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 2018-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Good Morning, My name is XXXX XXXX. My family applied for the hardest hit fund in Michigan due to a loss of my husband 's 15 year job. We were approved, however when my Michigan Hardest Hit fund case manager contacted Mr. Cooper on XX/XX/XXXX to pay our past due balance, Mr. Cooper refused to take payment until I attempted to modify my loan through them. We are not in bankruptcy. I filled out a Mr. Cooper modification request and over the course of a month submitted all documents. My Mr. Cooper 's modification was denied with no options for assistance. We started this process back in XX/XX/XXXX when were two payments behind. 

Now we are at risk of losing our home. Can you please help us? We ca n't afford an attorney, and my husband now has a good job, and we really want to stay in our home. I am grateful for the Hardest Hit Fund program, and do not take assistance for granted. 

I just do n't understand why Mr. Cooper refused to accept the hardest hit fund payment. 

Thanks so much for your time, XXXX XXXX XXXX Mr. Cooper Acct # XXXX Hardest Hit Fund ( Step ForwardCase Number # XXXX ) Advisor who spoke with Mr. Cooper XXXX XXXX- XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I XXXX XXXX Pro Se litigant have asked to see the Original Promissory Note ( front & back ) since the very beginning of this housing dispute XX/XX/XXXX, after being denied a partial payment XX/XX/XXXX in person at the branch, and have been denied repeatedly, i have had no fairness in any of this, I've been steamrolled, and no one will hear me out. 
The staff involved has ignored every motion and anything else that I've placed into the docket, I've even reached out to the CFO of XXXX XXXX XXXX XXXX XXXX XXXX sending them a Money Order registered mail XX/XX/XXXX in the amount of {>= $1,000,000} ( to resolve things and have this foreclosure dismissed ) presenting it under ( Administrative Process ) through a Notary Presentment ... I've received no response back nor the Money Order was returned, according to UCC rules 4-104, A, B, they had 24 hours to refuse or except and neither was done. 
Everything I've put into this ght has been Underminded and disregarded by those above, I'm ghting to stay in my home, with no where else to reside with my family. but every time i look into the docket they've proceeded with something new, I've even led an appeal just XX/XX/XXXX and prior to the appeal, the the attorney XXXX XXXX has proceeded in certicate of title, order of sale to sheriff, and just yesterday XX/XX/XXXX it states that an appraisal has been done on my home as of XX/XX/XXXX and i had no recollection of this?? i don't understand how was this done without approaching me? 
They are moving very fast to steal my home, knowing very well they having no Standing .... during this nightmare I've repeatedly taken my Acknowledgement, Acceptance, And Re-Conveyance Of Deed, My Act Of Expatriation, Domicile, Declaration, And Allegiance, Certicate Of Acknowledgment downtown to the scal ofce to be rejected.. and have had all 3 documents recorded outside of Ohio, because the Fiscal XXXX County building states they are not to be accepted, so after i had these same documents recorded in ( XXXX County Georgia ) , it is said that any recorded instrument is to be recorded in its county ofce seeing its already been recorded. 
Yet I've been refused once again at the fiscal XXXX county building here in XXXX   ohio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 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: Ditech Financial LLC
State: VA

Complaint narrative:
This company Ditech, LLC is reporting incorrect information. I have never had a account with this company. They reported to credit bureaus that there was a cancellation of debt for {$4900.00}. This is incorrect. 

I did have a loan with Greentree, LLC. So I do not know if this information was sold to Ditech, LLC. We do a short sale that closed in XXXX 2015. Greentree was paid and I paid them as agreed. I was never late. Ditech, LLC is reporting that were missed a payment in XXXX 2015 which the same month Greentree received a check for {$4900.00}. Which closed out the account. 

I need to speak with someone at this company who can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
On Thursday XX/XX/XXXX I scheduled a payment on the XXXX XXXX, I received a notification that the payment was in process and received my email with confirmation that the payment was scheduled. It was not until XX/XX/XXXX that I went back to check on the app because the funds had not been deducted from my account that I realized there was no payments scheduled, I rescheduled my payment that day and received a confirmation email again but this time my confirmation email did n't come to me until XX/XX/XXXX. ( I have attached both emails received from XX/XX/XXXX and XX/XX/XXXX). The next day XX/XX/XXXX I received a notification from XXXX that my credit score had decreased XXXX points because they reported my payment 30 days late. I called to XXXX customer service number ( XXXX ) and spoke to 2 supervisors, the one that assisted me his name was XXXX he did not disclose his last name so I am not sure what that is. He researched and said that it was possibly a ghost payment? and that they could n't do anything about it. I have included screen shots from when I scheduled that payment and the confirmation emails I received. 
My payment is due on the XXXX of each month so this payment had been due XX/XX/XXXX the 30 days had not been met yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had two CitiCard accounts since XX/XX/XXXX (Simplicity, Diamond Preferred) and one since XX/XX/XXXX (ThankYou Rewards).  It was brought to my attention this morning, only after logging in to my accounts, that I have XXXX credit available for purchases and XXXX credit limit listed on the accounts. I was not contacted by CitiCards regarding any changes to my accounts. I have paid CitiCards each and every month since opening these accounts, sometimes twice per month,  and have never been late with a payment. I was advised by CitiCards Client Services to reach out via fax for more information on this discrepancy.  I asked them to please contact me as soon as possible to discuss as this has caused a major disruption, or please provide a contact name and phone number to the person at The Office Of The President so I may reach out to discuss.I haven't received a response and customer service will not speak with me about the accounts.

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 2018-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: PR

Complaint narrative:
I currently have a loan with Nelnet. I have the income base payment plan, but the monthly interest is higher than the payment I can made. So my balance is increasing instead of being lower with my monthly payments because I am not paying enough to cover the interest. I write an email to Nelnet to  see if they can apply my payment to the principal, but they respond that my payment go first to interest and last to principal. And that I need to make additional payments in order to lower the principal. I can not pay a bigger amount right now and I feel that I am wasting my money because is not making any difference in my final balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
ANNUAL PERCENTAGERATE ThecostofYourcreditas ayearlyrate.

FINANCECHARGE Thedollaramountthe creditwillcostYou.

AmountFinanced Theamountofcreditprovidedto YouoronYourbehalf.

TotalofPayments TheamountYouwillhavepaidafterYouhavemade allpaymentsasscheduled. 
552.9667 % ( e ) {$5500.00} {$750.00} {$6300.00} I initiated contact XX/XX/XXXX. I was told that my monthly payment via phone would be {$160.00}. I was unable to see the Truth in Lending Disclosure, and upon further review realized how much interest they were charging, I made my first payment XX/XX/XXXX, and then 2 weeks later looked at my banking account and they had debited another {$160.00}. When I called to inquire about the ACH debit the customer service representative advised me that I agreed to bi-weekly payments, to which I responded No, I certainly would not have, I cant afford that. I immediately asked for a payoff amount which he quoted me as {$930.00}. I borrowed {$750.00}, to which he replied you acknowledged the APR when you e-signed the loan agreement. I told him that I could not see the truth in lending disclosure when I signed. He promptly ended the call. 

This company needs to be stopped, this is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion Attn : Complaint Department XXXX XXXX XXXX XXXX, PA XXXX I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing and these inquiries are not associated to any account I have. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX ( 2 inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX ( 3 inquries ) XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my 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 non-monetary relief
Consumer complaint received 2018-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed a police report the following accounts are still on my Experian Credit Report. 

XXXX XXXX XXXX Account # XXXX Payment Status Charge-off Past Due Amount {$23000.00} XXXX & XXXX Account # XXXX Balance {$2200.00} In XX/XX/2017 I spoke with a Experian representative regarding my situation. The representative advised me to get a police report as a supporting document regarding the accounts. I went to the XXXX Police Department and retrieved a full police report. On XX/XX/2017 I faxed and mailed the police report to Experian to remove the accounts. Accounts have been charged off and they are negatively affecting my credit report by reporting it as late and has been transferred/sold to collection agency. I do not have this vehicle. In addition, if you singularly or severally fail to comply with the above requests I reserve the right to seek damages and legal suit against all parties, under all available State and Federal statutes and XXXX XXXX remedies.

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 2018-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
The situation with student loans has been ongoing since I got out of college six months following my graduation date of XX/XX/XXXX.  I have needed to "check in" every year to update my income information and resubmit all data that was submitted the prior year.  
On XX/XX/XXXX, I called Navient to once again give them my information.  I was told this time I needed to submit bank statements as well as tax returns and pay stubs for a private loan.  Mind you these items are not needed for federal loans and I really don't think that it is any of their business what goes in and out of my bank account.  They never asked what other student loans I had and how much I was paying on those because they are only worried about their loans.  But, in turn, I submitted the documents to them and agreed to pay them XXXX a month.  I was then told that after 3 months of on-time payments the past due balance of my loan would fall to the back of my loan.  I enrolled in Autopay and my first payment came out the following month of XXXX.
Two weeks later I get a phone call stating that my documents did not meet the requirements and that they were going to withdrawal our contract. They also stated that me and/or my cosigner (which is null and void because none of my loans have a cosigner) were able to afford more than the XXXX  I had told them I would pay.  I signed a verbal contract over the phone stating that the XXXX a month would continue for 18 months than I would have to resubmit documentation.  
We are now in XXXX and I have received several hundred phone calls threatening letters etc. Stating that I need to pay the past due to balance or they will send my case to a collections lawyer in my town. They have completely destroyed my credit as they continue to report me late monthly even when I have been paying my loans since XXXX. They have continued to debit my account but have not held up their end of the contract and I did not agree to void the contract. 
I have several other loans including federal loans and it is not near this difficult to manage them.  
Upon looking at my account they have not uploaded any of the information that was sent to them in XXXX  when I have it as sent in my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This debt collector, using the name XXXX, has called my place of work on numerous occasions after being told that I do not consent to him calling me at this number. The debt is not even in my name, it belongs to my boyfriend XXXX XXXX. When I told him not to call my job anymore, he told me that he is aware of the law and that he does not need my permission to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: WA

Complaint narrative:
Transunion along with XXXX and XXXX  are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.

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