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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a complaint to Experian, XXXX and XXXX  regarding several errors that I found while looking over my credit report. Under the FTC I can dispute all inaccurate information on my credit reports. Please remove XXXX # XXXX and XXXX XXXX # XXXX from my credit reports as the information provided by the creditors is inaccurate and misleading. After completing a prior investigation, XXXX  agreed to remove XXXX # XXXX and XXXX XXXX # XXXX from my credit report. However, XXXX has failed to follow through on its promise as the accounts still remain. XXXX  failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. Please remove XXXX # XXXX from my credit reports as the date of delinquent is misleading and incorrect. Additionally, this account should not have a reported balance. Please remove XXXX XXXX # XXXX from my credit reports. I have reached out to this company repeatedly and have received no response. The balance, date opened and the payment history is incorrect. The company is reporting payment history in XX/XX/2018 but this account should not have a balance. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. XXXX 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: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
WHY DO N'T YOUR CUSTOMER SERVICE RETURN CALL THEY PROMISED THEY WULD???? CAN SOMEONE PLEASE CHECK ON A PROBLEM I HAVE BEEN HAVE WITH THIS ACCOUNT. YOU REMOVED {$.00} FROM MY ACCOUNT AS AN ADJUSTMENT ON XXXX XXXX, 2017. I HAVE NOT RECEIVED A CHECK FROM BANK OF AMERICA FOR THE {$.00}. I WANT TO KNOW WHAT HAPPENED TO THE {$.00} AFTER THE ADJUSTMENT WAS MADE ON XXXX XXXX. I AM AWARE THAT AN ADJUSTMENT WAS MADE ON MY ACCOUNT AND THAT THE {$.00} WAS RETURNED TO MY ACCOUNT. IF I WOULD NOT HAVE CALLED BANK OF AMERICA WOULD HAVE KEEP MY MONEY. WHY????? CAN SOME XXXX PLEASE CONTACT ME BY PHONE

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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NY

Complaint narrative:
I have tried to call this company to tell this them I never authorized any Inquires with this company XXXX. I never heard of them. I tried calling them on 2 occasions. Each time they said they would remove this Inquiry since I had no clue who they are and never authorized anything. 

I do not have an account with this company. I did not apply for anything with this company.

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: 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: NY

Complaint narrative:
I have tried to call this company to tell this them I never authorized any Inquires with this company XXXX. I never heard of them. I tried calling them on 2 occasions. Each time they said they would remove this Inquiry since I had no clue who they are and never authorized anything. 

I do not have an account with this company. I did not apply for anything with this company.

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: 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
I did not make a hard inquiry with this company. This was fraud. I never authorized inquiry on XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: TN

Complaint narrative:
I have been getting calls from this company - diversified adjustment services inc for quite a while. Potentially over a year, but I can not confirm if they were the original company. So I will stick with the current actions. I began receiving calls from local XXXX number 's that would hang up when I answered them. Sometimes the caller would call back and sometimes they would n't. Eventually, I learned that this company, Diversified adjustment was trying to contact me on a debt they said I owed to XXXX. Over the course of several weeks and 4-6 calls per day, I attempted on at least 3 occasions to request a letter showing who they were and what they said I owed because I was n't going to just pay some outrageous amount to some random phone caller. This request was denied repeatedly until last week when one agent finally agreed to send me a letter. I received the letter today and it implies that I have agreed to some payment arrangement and they expect my payment of XXXX $ on XX/XX/18. At no point did I agree to anything, Since they record calls I know they have this recorded, I also have the call recorded as well so they ca n't weasel out. As this is the first time I have seen a written request of this debt, I believe they are trying to remove my ability to contest the debt. At this point, no other action has been taken by the company other than the continued calls from a multitude of # 's. They did inform me on one call that they have over 150 lines that they call from. I was informed by the XXXX agents that I had already received a letter and would not get another one. I find this tactic to be extremely shady and I will be contacting them requesting formal evidence of the debt so that I may review and confirm if it is actual debt, but I am taking this proactive approach because that is what you have to do with shady companies like this.

Company public response: Company disputes the facts presented in the complaint
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: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
PLEASE CALL ME WITH A RESOLUTION ON CASE # 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 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: 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: NY

Complaint narrative:
I did not make a hard inquiry with this company. This was fraud. I never authorized inquiry on XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
I enrolled in XXXX university online in XX/XX/XXXX. The counciller i was asigned didnt explain student loans, and coerced me into taking out more loans than i needed saying i would recieve checks so i could afford to go to school and pay bills while i was on workers comp. i never recieved any of the money, information about my loans or a payment plan. i dropped out in XX/XX/XXXX due to the school refusing to send me correct programs like XXXX so i could do my coursework and the teachers refused to help. i called navient and XXXX XXXX in XX/XX/XXXX starting in XX/XX/XXXX trying to figure out about my loans and was just transfered time and time again only to be hung up on. I had a representative call me and then call me the wrong name and hung up. I am trying to get out of default but i never even knew how much my payments were or where i needrd to send them. in total i have {$14000.00} in defaulted loans and have no idea where to turn. my wages are being garnished and my paychecks. Im XXXX XXXX and ive tried filing for new direct consolidatrd loans and was just denied. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a letter from US Bank saying I have an overdraft account of {$50.00}. I have not used this account for quite some time however when I tried to login to see why the account became negative as I had not authorized any charges on my account which could have caused this it says I have no active accounts. I have not received any statements showing any charges prior to this letter requesting payment for this unknown amount. I want account to be fixed or closed and zeroed out as I authorized no transactions.

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 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive contacted Equifax XXXX and XXXX several times dealing with this issue. I asked for each Bureau to do an internal investigation which takes only 3-5 days but it seem that the only thing that they all decided to do was send me a letter stating the inquiries were verified. There is no possible way any errors can be found as verified. I asked for validation and also any documents bearing my signature 30-60 days ago and there was no change to my credit and no documents sent to me but a bogus verified paper. XXXX XXXX and Equifax has blocked my credit file without my consent several times and used my credit profile to place errors on my credit file making it difficult for me to apply for a home loan. I mentioned this to the rep and she disregarded every word I said to her so now Im forced to take legal actions which I have filed a lawsuit against all three credit bureau and its in process. I have attached the inquiries that are reporting on my credit report as an error and I demand that the inquiries listed and the error addresses be removed by the weekend, if not Ill go back down to XXXX XXXX County Courthouse and file another lawsuit seeking {$10000.00} for damages. I was suppose to purchase a home but my credit file was locked and blocked from creditors seeing my score and information so I have to wait for a few months. Im just sick and tired of the bs and I will definitely make sure that all three bureaus receive this message.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
After review my Equifax report, I decided to write XXXX XXXX to get a debt validation. My original letter was sent to this organization on XX/XX/XXXX by  certified mail. I received a verification of receipt on XX/XX/XXXX ( see attachment ). However, I never received any response regarding my debt validation. The company never contacted Equifax and placed a notice of dispute on my account within 30 days of my dispute from their receipt on XX/XX/XXXX. This is in violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

The listed trade line of XXXX XXXX is also in willful noncompliance as of FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies as well. Since I have evidence of such violation per attached certified mail receipt, I request that this tradeline be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC
State: CA

Complaint narrative:
i have a personel loan with a company based out of texas called XXXX XXXX and have had some difficulty paying the loan back .they have recently started calling my father asking him to remind me to call them. the issue is that i never gave them any of my fathers info or any family members phone numbers. how did they get this info and what a terrible thing to have your father call you XXXX out that you are in financial trouble .what can i do i have no way of paying this back right now they actully told me today they wont call him but they have ways of tracking and fishing up information on all my family and that they sudjested borrowing the money to pay them back or go to the local pawn broker and evaluate what i can look at to raise the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX ( mailed XX/XX/XXXX ), I sent a certified letter to I C Systems, Inc. requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. I verified their receipt of said letter using the USPS tracking feature. They have failed to respond to my request in any way, therefore, they have not proved that I am obligated to pay them anything. They have reported delinquent and negative information to all of the credit bureaus and I asked that it be deleted.

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: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have been on Administrative forbearance thru Navient while my Defence of Repayment is reviewed by the Department of Education. I have contacted Federal Student Aid and they agree my DTR is still being reviewed, thus allowing me to be on administrative forbearance. Navient refuses to recognize this and demands payment. Department of Education website and via phone call shows i do n't owe a payment till 2021 due to DTR review. Navient wo n't accept this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: NY

Complaint narrative:
i was just looking at my credit report and i was a collections from XXXX XXXX XXXX for the sum of XXXX for a account i do not know about.

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: 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: LA

Complaint narrative:
Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX  they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter

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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Hello, I received a phone call from this company several times and the first time I received a call, I requested for validation of debt, and also the representative that first called me could not verify my address nor my last four of my SSN and had an incorrect date of DOB, then the company still persisted to call me and again I told the agents I have already asked for debt validation and until you mail me the validation you should stop contacting me, furthermore, I also sent a letter via mail and email, asking for verification of debt and they finally responded with just a simple typed letter saying I owe this amount and when I called to resolve the issue another agent said she does n't know why all of this is going on and forwarded the call to a senior agent who then proceeded to tell me they will mail out the verification of debt and also when I told her why they are still calling me she said there allowed to, and started to argue with me, but sadly I did n't receive any validation following the phone call instead I received an email saying they ca n't provide anymore validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Maximization Group, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I check my XXXX credit report, and I noticed that there were a negative mark. This negative mark were due to a debt from XX/XX/XXXX, that I have never ever been notified off. I was not given my fair share of the law, this debt has caused my credit score to drop 32 points.

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 — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On Saturday, XX/XX/XXXX, my mother had received a letter from 5th/3rd bank stating that my car had a total of {$1200.00} of payments in default. As she is co-signed on the loan, I knew I would be getting my letter soon, however come Monday I had n't received a letter yet so I had to rely on the pictures she had sent me when I called asking about the amount. It was the amount financed to purchase CPI, and I had n't paid anything towards it since a letter was sent regarding my insurance expiring obligating me to send proof that I was holding insurance. I had received a letter in XXXX and had XXXX send a policy binder in XX/XX/XXXX 

Since the CPI was still applied on XX/XX/XXXX I asked if they needed me to send proof of insurance again. They confirmed this, so I sent another binder to the fax number they provided me ( XXXX ) and called every day afterwards only to be told on Thursday,XX/XX/XXXX, that they do not accept policy binders and I was instructed to fax a declarations page. I called XXXX and had them fax a declarations page and continued to call asking for processing information, only to learn today,XX/XX/XXXX, that it was n't processed because I need to make my payment for XXXX before they can accept it as current. Not only that, but XXXX informed me that 5th 3rd bank would have found a declarations page on page 5 of the binder had they looked. 

I am now going to have to wait until tomorrow in order to send another declarations page and wait 3-4 business days before I am able to confirm that it was processed, all while hoping my vehicle is n't repossessed in the meantime. 

I also am not able to attach digital documents because 5th 3rd has repeatedly refused to deal electronically and had only handled business over the phone.

Company response to consumer: Closed with explanation