vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
XXXX   XXXX   XXXX  have a collection on my credit report for a total of {$1600.00}. They have  n't ve rified that was my debt. During that time of collection I was n't even legal age to work with  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
On or about  XXXX   XXXX  ,2017 we ha d water damage due to a storm in our area, we submitted a claim to our insurance company and the  XXXX  came and looked at the damage and after a few days we received a check in the amount of {$3700.00} dated  XXXX   XXXX  ,2017 an d it was payable to my husband and the bank, which means it needs their endorsement. I called the customer service number to get the address and I spoke to  XXXX , she gave me the address and I mailed it. Two weeks later I got a phone call from the bank asking me for the copy of the  adjuster 's  report, when I questioned why they said it is policy and procedure,  XXXX  did not know this policy and procedure and as a result I still have my water damage. I mailed the copy of the report on  XXXX   XXXX ,  2017 till t his day I do not know if they received it because no one knows anything!!!! My water damage is getting worse but I ca n't fix it because I need my money! all the bank needs to do is endorse the check and mail it back to me I made several attempts to reach out to them and no one knows anything!!!!!! I want to solve this problem in a timely manner please 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 2017-04-26 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: FL

Complaint narrative:
There is a lien listed that DOES NOT BELONG TO ME. This is violating my rights please remove I have contacted the IRS there is NO LIENS against me why is your company doing this to hurt me?

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 2017-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
For the life of the loan, since  XXXX , not once have I been offered a reasonable amount that I can pay.   I go through this every year. The last time, in  XXXX , I was offered to make monthly payments of over {$500.00}. I keep getting on forbearance year after year after year.   My loan has ballooned from about  $ 35K to almost $ 55K. I  am able to make reasonable payments, not an amount that puts me in a position of having to choose between daily needs and repaying a debt. Thats why I always end up in forbearanceyet again allowing  for Navient to ball oon the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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 — Problem with personal statement of dispute
Company: Account Control Technology, Inc.
State: MN

Complaint narrative:
My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. The  Dept of Education tells m e they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to change  ( th e default ) however, they should have to report my payments and show that I am trying.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Online I we nt to www.AnnualCreditReport.com to get the one free cred it report per year that citizens are entitled to by law.  XXXX  provided this free report online with no problems.     MY COMPLAINT : Equifax and   XXXX   both would not provide the free report ONLINE. Their websites told me I had to use snail mail to provide them with paper copies of my drivers ' license, social security card, letters showing my address, lists of past addresses, employment verification, etc. and only then would they snail mail my free credit report to me. In other words,  XXXX  and Equifax put up every possible roadblock to make it difficult to obtain t he one free cr edit report per year that citizens are entitled to by law.     MY REQUEST : Please make Equifax and  XXXX  comply with the law and provide citizens with one free credit report per year ONLINE like TransUnion does.     Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Attempted to enroll in auto payment to pay the monthly minimum balance due. Paid the minimum payment on time for several months. Company is now claiming that amount ( that they calculated ) is incorrect and we need to pay {$1200.00} within 3 days to make up for their error. This is the first time we have been contacted about the discrepancy despite us being incorrectly billed for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a PAID FEDERAL TAX LIEN which is beyond the statute of limitations according to The Fair Credit Reportin g [ 15 U.S.C. 1681c ],  which lists items that are to be EXCLUDED from consumer reports. Item number  XXXX  states " Paid tax liens which, from date of payment, antedate the report by more th an seven year s. '' ( The original filing date of the lien is  XXXX . The lien is satisfied, and should have been removed in  XXXX , 7 years after the filing date. ) Additionally, Equifax is simply reporting this a  Federal Tax Lien  with no notation that it is paid.     On  XX/XX/XXXX  I submitted an online dispute with Equifax, which to date, still shows my request is " pending. '' Equifax #  XXXX .     On  XX/XX/XXXX , I called to ask what was happening with my dispute and why it was taking so long to resolve. At that time, I was told that this item would remain on my report 7 years from the date I paid the lien. I argued with them, and Equifax representative took a secod complaint over the phone. #  XXXX . Their resolution was that they confirmed the lien with  the County Recorder 's Office.      Though I have provided a copy of my Relea se of Federal Tax Lien notice , and cited the Fair Credit Reporting Act, Equifax is refusing to remove this from my credit report.     I would like to note that it took me less  than 5 min utes to dispute this  with  XXXX  o nline. They removed it from report the following day, and e-mailed a link to my revised credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT OR REMOVE IT.   I HAVE DISPUTED ACCOUNTS WITH THE NAME OF  XXXX   XXXX  SEVERAL TIMES WITH EQUIFAX AND DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT OR REMOVE IT.   I have not receiv ed one doc ument that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from  XXXX   XXXX   XXXX   XXXX  that proves I owed this money. Therefore, I have reason to believe an investigation was never completed. These are showing as loans on my credit report and are listed as derogatory!!   There are  XXXX  accounts listed on my credit report with the amounts of {$1300.00}, {$220.00}, and {$470.00}. The amounts also keep changing between the  XXXX  accounts. The  XXXX  account all have the same date reporting of  X/X/2014   . I called the collection company and they state that the actual hospital visit was at a later date in   X/2014 . H ow can someone have a collection filed before the suppose hospital visits. Then also they stated it was three visits in different months but still reporting as  X/X/14   .   These accounts are reporting as delinquent yet I have never received verification of these accounts. When speaking with the collection company they stated that I came in for leg pain and stomach pain which if I did indeed go would be a direct violation on my HIPPA Rights for a collection company to have information pertaining to a medical visit.   The collection is also list on another credit report under another company name and address with different open dates. This information can not be true nor verified because all of the information that is on the different reports. DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT OR REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: Pendrick Capital Partners Holding, LLC
State: NV

Complaint narrative:
I asked them if I could pay this debt or a settlement would they do a pay for deletion. They said yes. They did not keep there word. I paid this debt and they said they would delete it from my credit report. All  XXXX  bureaus. It 's still reporting on my credit report. The account was paid. I then received a letter in the mall saying Please be advised that this office repres ents Patrick capital partners con cerning the above preferred account originated from  XXXX   XXXX   XXXX   XXXX  According to our client on his record there is a balance due of them out at {$340.00} this will acknowledge and I was a report of your settlement payment amount at  XXXX  on  XXXX   XXXX ,    2017 thi s account is being said or close by our office thank you for resolving this matter yours truly  XXXX   XXXX   XXXX  ... This is NOT what I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: FL

Complaint narrative:
There was a collection account with  XXXX   XXXX  ,  XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611  Procedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) N otice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.

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 2017-04-26 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: FL

Complaint narrative:
There was a collection account with  XXXX   XXXX   XXXX   XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611 P rocedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) Not ice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha n 5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.

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 2017-04-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted letters to  XXXX ,  XXXX , and Experian regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lend er ( Consolidated ). I have also called them in regards to this matter as well.  I have not received anything, no results.

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 2017-04-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted letters to  XXXX , Transunion, and  XXXX  regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lende r ( Consolidated ). I have also called them in regards to this matter as well. I have not received anything, no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
THE COMPANY NAME WAS   XXXX   XXXX   XXXX   THEY WOULD NOT GIVE ME THERE ADDRESS ON  X/XX/2017    THERE PHONE #  XXXX  REFRENCE #  XXXX  THEY TOLD ME THEY WERE GOING TO TAKE MY  XXXX  VECHICLES AWAY PLUS GARNISH MY WAGES WHICH IS SS.THE DEBT WAS FOR {$1600.00} FROM HSBC THAT DEBT WAS PAYED IN FULL THRU MY BANKRUPTCY IN  XXXX  DISTRICT OF ILLINOIS  XXXX  DIVISION. I HAVE ALL THE PAPER WORK CASE #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. Th e Dept of Education tel ls me they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to change  ( the d efault ) however, they should have to report my payments and show that I am trying.

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 2017-04-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My student loans are in default. I have entered into a payment arrangement with  XXXX , the collection company for the loan issuer. Th e   XXXX   XXXX   XXXX   tells me  they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to chang e ( the default ) h owever, they should have to report my payments and show that I am trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. The  Dept of Education tell s me they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to chang e ( th e default ) however, they should have to report my payments and show that I am trying.

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 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fidelity National Financial, Inc
State: NY

Complaint narrative:
XXXX   XXXX   XXXX   who brokered a title insurance policy th rough Fidelity National Title Insurance  appointed by  XXXX   XXXX  Bank failed to provide clear title or inform me of title issues by the time I purchased my property  XXXX   XXXX   XXXX ,  XXXX  NY  XXXX .  XXXX  brokered with a California division outside of NYS who have been unresponsive to my letter of inquiry . ( Fidelity National Title Insurance Company with the address o f  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  California  XXXX .  XXXX  failed in it 's fuduciary responsibility to be a neutral par ty ( Trustee or Beneficiary ) to   inform me of changes made to legal title and what appears to be a factious foreclosure or property abandonment whereby  XXXX   XXXX   XXXX . self assigned themselves to create a new mortgage lien in   XXXX   under the guise of a loan modification and awarded themselves over {$38000.00} of which no accounting has been presented to me. My property has a clouded title whereby it appears that  XXXX  entities  XXXX   XXXX   XXXX . has a lien and  XXXX   XXXX   XXXX  also had or has a lien and securitized interest in my property. I have had no dealings with either of them or anyone else and it was the trustee 's responsibility to do what was proper by me and in compliance with the SEC and tax laws. It appears that some other " unknown '' entities with judgments unrelated to me have been attached to my property in the  XXXX   XXXX  land and Court records by the law firm  XXXX  of which I have written a letter to the  XXXX   XXXX  Clerk  XXXX   XXXX  to correct and remove This complaint is in relation to previous complaints I have  made with CFPB on   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation