vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am currently working with a third-party credit repair agency,   XXXX   XXXX    XXXX , by which have any and all phone numbers listed to   XXXX   XXXX   have been added to a do not call list and any phone calls to me while I am working with  XXXX  puts them in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I never received proper notification of a debt prior to it being sent to collections and then a suit for garnishment. My original debt was with   XXXX   XXXX   and eventually went into collections with  Portfolio Recovery Assoc.  in  XXXX   2016  and is now an active wage garnishment since around that same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 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: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I have made several calls to this collection agency regarding double reporting on my credit bureau report. Nobody has any desire to speak with me and just go back to the balance I owe. Date of first delinquency is  XXXX   XXXX ,  2014  and date assigned matches. They double reported 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 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reported  XXXX  loan servicing to all   XXXX   major credit reporting agencies for reporting fraudulent false information which has damaged my credit. The pretender lender loan servicer, its   XXXX   crooked litigation lawyers and shady CEO level incompetent employee 's have all been threatening me, harassing me for years with fraudulent altisource trustee sale if I did n't sign a none negotiable increased loan modification in 48 hours, that I pay the pretender lender loan servicer   XXXX   over {$750000.00}, over {$200000.00} more then the {$550000.00} original loan amount that was paid in full over 10 years ago and keep my matter confidential, and threatened me that I better not tell anyone anything about all the fraud the pretender lenders have done to me my life, if I did n't follow the pretender lender loan servicers orders the pretender lender loan servicer would immediately seize my home I own free and clear without any further warning and throw me and my family in the streets.  XXXX    XXXX    and all the pretender lender loan servicers have all been using fraud upon the court to be guaranteed judgment rescind my full reconveyance and steal my home I own free and clear. Recently, the pretender lender loan servicer has been making up increased principal balances increased monthly payments and increased other fraudulent fees, threatening me with foreclosure.  XXXX   XXXX  IS MY ATTORNEY WHO WILL BE FILING MAJOR LAWSUIT AGAINST THE FRAUD WHITE COLLAR CRIME PRETENDER  LENDER LOAN SERVICER OPERATION SEEKING THE MAX DAMAGES. I ASK THAT ALL  XXXX  MAJOR CREDIT R EPORTING AGENCIES PLEASE CONTACT MY LAWYER ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reported    XXXX   XXXX   XXXX    to all  XXXX  major credit reporting agencies for reporting fraudulent false information which has damaged my credit. The pretender lender loan servicer, its   XXXX   crooked litigation lawyers and shady CEO level incompetent employee 's have all been threatening me, harassing me for years with fraudulent   XXXX    trustee sale if I did n't sign a none negotiable increased loan modification in 48 hours, that I pay the pretender lender loan servicer  XXXX  over {$750000.00}, over {$200000.00} more then the {$550000.00} original loan amount that was paid in full over 10 years ago and keep my matter confidential, and threatened me that I better not tell anyone anything about all the fraud the pretender lenders have done to me my life, if I did n't follow the pretender lender loan servicers orders the pretender lender loan servicer would immediately seize my home I own free and clear without any further warning and throw me and my family in the streets.    XXXX   XXXX    and all the pretender lender loan servicers have all been using fraud upon the court to be guaranteed judgment rescind my full reconveyance and steal my home I own free and clear. Recently, the pretender lender loan servicer has been making up increased principal balances increased monthly payments and increased other fraudulent fees, threatening me with foreclosure.  XXXX   XXXX  IS MY ATTORNEY WHO WILL BE FILING MAJOR LAWSUIT AGAINST THE FRAUD WHITE COLLAR CRIME PRETENDER LENDER LOAN SERVICER OPERATION SEEKING THE  MAX  DAMAGES. I ASK THAT ALL   XXXX   MAJOR CREDIT REPORTING AGENCIES PLEASE CONTACT MY LAWYER ATTACHED.

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 2017-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
I never received proper notification of a debt prior to it being sent to collections and then a suit for garnishment. My original debt was with Kay/Sterling Jewellers and eventually went into collections with  XXXX   XXXX   XXXX . in  XXXX   2016  and is now an active wage garnishment since around that same time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been dispute this information since  XXXX . An account from  XXXX  University  XXXX   XXXX  showed on my Transunion report for  XXXX . I went and viewed a full report and Transunion stated I had an unsecured loan from  XXXX  with  XXXX  University. Ive never taken out the personal loan with them. I called and spoke with Transunion and asked to have the situation investigated in  XXXX . I asked for information as to who they spoke with and how they verified their information. I still have not received any info as to how they verified it. I also told them ( Transunion ) they needed to update or delete incorrect information and the rep told me that  XXXX  was their client and pays them to report information.I spoke with  XXXX  and they verified that it was not an unsecured loan but a tuition bill. This is a tuition bill from  XXXX  not  XXXX . Transunion and  XXXX  University continues to damage my credit report by reporting this as an unsecured loan and that this bill is from  XXXX .  XXXX  University was paid in  XXXX  by a student loan.They were paid in  XXXX  of  XXXX  which is why I got a refund check. I recorded the call with Transunion, I have the documentation from  XXXX  showing it was a bill and not a unsecured loan and an email showing I had financial aid.

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 2017-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I 've repeatedly asked them to make the orignal MPNs for my loans available and they refuse.     The section on the website that should have them remains blank. I 've repeatedly disputed their timelines and fees but they completely ignore all complaints. The section of the website that shows correspondence is completely blank and there is no way to prove that you contacted them.     After complaining t o the Federal Ombudsman 's office they 've sent some MPNs that are clearly not the original and do not have valid signatures on  them. I want them to provide actual proof, and if they claim that it was signed electronically I want them to provide proof that they complied with the standards for electronic signatures in electronic student loan transactions released in  XXXX   of 2001 by the Department of Education. Again, I want them to prove that they met the requirements of the standards. I 've asked them repeatedly to prove the origin of the loan as they are not the original servicer. They have not responded to any request for years.      They also have n't provided me with my repayment options as required by law at the end of grace periods resulting from deferments, they 've also misclassified deferments as forebearances. They do not provide information required by law, they skirt around the requirements, and they put fines and random charges on the loans whenever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Open Date :   XXXX  2016  {$3600.00}  Open Date  :  XXXX /2016 {$860.00} I was told that each contract was cancelled and after months it was not removed.

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 2017-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: OH

Complaint narrative:
Approximately  XXXX / XXXX /   17  I tried to deposit cash to m y Netspend Card and was unable to was told card was blocked. I called Netspend got customer service rep who must have been in another country unable to communicate well. She said something about card blocked suspicious activity and asked about some charge and I replied there was nothing wrong my balance was correct and I wanted to add funds. She said ok there is fraud card is cancelled and I kept trying to explain but it was obvious she was reading from a script. No matter what I said she had same answer. So I got frustrated said cancel the card I will never use Netspend again.  The around  XXXX / XXXX / 17  I won money at  XXXX  and the have policy the first {$50.00} of winnings has to go back to debit or credit card in the last 30 days. So {$27.00} of it was credited to my cancelled debit card. So I call ed Netspend and they first said there was only {$13.00} not {$27.00} then said I would have to get a n ew account. I told them I would never give them another dime to send me a check and they said I would have to pay {$5.00} to get a check so I hung up and wrote a letter explaining I was going to contact every appropriate state and federal agency concerning their actions. I have never got a reply. I looked online today  XXXX  and see they have charged me {$9.00 } (   XXXX   ) 3  times since I told them to cancel card and send me my {$27.00}. They say I owe them {$2.00}. How ma ny 100,000 's of other people are Netspend doing this to.

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 2017-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
On  XXXX   XXXX   2017  m y commonwealth financial systems r eported that owed  XXXX  and I have n't been to the hospital since I was  XXXX   years old I d o n't know why they put it on my credit it made it so low I ca n't do anything I feel like I got scammed please help me dispute this they have not connected with on any phone calls or terms

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Open Date  :  XXXX /2016 {$3600.00}  Open Date  :  XXXX  2016  {$860.00} I was told that each contract was cancelled and after months it was not removed.

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 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Open Date :   XXXX /2016 {$3600.00}  Open Date  :  XXXX /2016 {$860.00} I was told that each contract was cancelled and after months it was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: URS Holding, LLC
State: NJ

Complaint narrative:
Alltran Financial LP sent a  letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Theres alot of unauthorized inquiries on my   XXXX   credit report from companies i dont recognize ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX   XXXX   XXXX  sent a letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
As I have tried to purchase the vehicle that I leased, I have been told that I can not receive financing unless I put down approx. {$2000.00}. As seen in the contract attached, I have already put {$2700.00} down on the vehicle which was fraduaently taken off of the vehicles MSRP price when it should have been taken off of the amount I was leasing.     Also, th e " Rent Charge '' on the vehicle is absolutely insane, at it is approx. 91 % of the amount I leased on the vehicle. It should, if not already, be illegal for a leasing company and the car dealership to charge a customer almost the same dollar amount in the " Rent Charge '' i n relation to the Depreciation Costs that are used to lease a vehicle.

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 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Theres alot of unauthorized inquiries on my   XXXX   credit report from companies i dont recognize ...

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 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TX

Complaint narrative:
Theres alot of unauthorized inquiries on my  XXXX  credit report from companies i dont recognize ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has an incorrect mark on my XXXX credit card from XXXX XXXX saying I paid 30+ days late which is NOT TRUE. I have never paid late for my XXXX and have documentation from XXXX proving that I have never paid late. Equifax has horrible customer service and will not remove the error on my Equifax report and is running me around in circles for almost 1 year. XXXX and XXXX are correct and show that i have never paid late also. Equifax is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I placed a credit freeze with Equifax. I would like to temporarily lift this freeze, but I am unable to do this online, I keep getting the error " We are currently unable to service your request.   Please try again later. '' I called up the customer support, hoping to complete this process over the phone, but I was told that I will have to mail in a copy of my identification documents to Equifax. This exposes me to a risk of ID theft.     I have the pin Equifax provided me when I placed the freeze and all other information to prove my identity, that seems to be of no use, the customer support agent had no way of lifting the credit freeze over the phone.     This is a terrible experience for me since IRS requires that I unfreeze my Equifax credit to be able to access my " Taxpayer identity protection program '' pin online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
I mailed a check for {$7200.00} and my Bank   XXXX   XXXX    mailed a copy of the check to Bank of America for payment of balance due on my checking account. My payment has n't been credited to my closed checking account with Bank of America.

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 2017-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
I sent a check for full payment of my auto loan balance on numerous occasions and my bank,   XXXX    XXXX   XXXX  has paid the check and sent numerous copies of the checks, I have sen t to Ally Financial for payment of my auto loan balance. My account has n't been credited yet for full payment o f my balance.

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 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
RE : NationS tar/  XXXX   T his account was included in a  US  Ch.  XXXX  bankruptcy filing on    XXXX   XXXX  , 2010, c ase #  XXXX  The notation in th e Public Records Section has  been removed in the   XXXX    credit report HOWEVER The notation of the NationStar/  XXXX  is st ill showing as an active/open account and derogatory.   Please see attached court docs regarding this case.   This account was included in the Ch  XXXX  filing of    XXXX   XXXX  ,     2010  and subsequently discharged per court order.   The allowable time a Ch  XXXX  filing can remain on a credit report is 7 years from the date of filing - which was    XXXX   XXXX  , 201    0 (  case  XXXX  ) This account should be removed.  <P/>  XXXX  informs the mis-information being provided to them is from Nationstar.  <P/> NATIONSTAR MORTGAGE  LLC   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX

Company response to consumer: Closed with explanation