vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 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: IL

Complaint narrative:
OnXX/XX/XXXX I initiated a dispute with Experian requesting a method of verification for two erroneous accounts that were " verified '' as belonging to me. Pursuant to my consumer rights with the FCRA, I have a right to an explanation and description of the procedure used to determine the accuracy of your XX/XX/XXXX and XX/XX/XXXX investigation. This is pursuant to the Federal Credit Reporting Act section 611 ( 15 U.S.C. 1681I ) ( 7 ) Description of Investigation Procedure. In addition, pursuant to this law, Experian had 15 days to respond.

Today, XX/XX/XXXX, would have been 15 days therefore I called Experian to check the status of my " Description of Investigation Procedure '' dispute. I spoke to a representative and a supervisor who both stated no letter has been generated as it relates to my above dispute. In addition, neither representatives had any knowledge of the above FCRA law. They both stated my XX/XX/XXXX was put in a 30-day dispute. I told them pursuant to the Federal Credit Reporting Act section 611 ( 15 U.S.C. 1681I ) ( 7 ) Description of Investigation Procedure my dispute should have been put into a 15-day dispute. They were both clueless and had no idea what I was talking about. They were no help at all and not privy with FCRA consumer rights. XXXX, a supervisor at Experian, went on to say my letter mentioned nothing about a method of verification, which is a bold face lie. My letter was very clear with what it was intended for. I attached it to this complaint. It's clear as day!

Experian received my Method of Verification dispute on XX/XX/XXXX. By law, they were supposed to respond within 15 days, which would beXX/XX/XXXX. Instead, they put my dispute into a 30-day dispute which will be resolved by XX/XX/XXXX according to both representatives I spoke to. I feel Experian is being noncompliant and negligent in this matter which has caused me major undue emotional and financial stress. My next and final step will be to file a civil lawsuit in my county if this matter is not resolved immediately! I am a litigious consumer and my husband is a XXXX XXXX XXXX in XXXX, XXXX county. I am done playing this game with you EXPERIAN! They are destroying my life by reporting erroneous 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 non-monetary relief
Consumer complaint received 2018-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have recently obtained a copy of my credit bureau – XXXX XXXX and XXXX  credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so

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 2018-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I sent a complaint about a {$35.00} charge of my invoice. The response from the company was that it was an error and had been corrected. Today I received a statement still trying to to collect this amount. GM needs to get their billing system fixed, you never have any idea what you owe and they NEVER reply to any email sent inquiring. It's a disgrace and it's fraudulent and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I had a salliemae loan that was transferred to Navient. I went to XXXX XXXX XXXX @ XXXX XXXX IL they changed the name of the school and the name of the lender so they can write more loans. I was a student in XX/XX/XXXX. They kicked me out of the program for random drug screening with XXXX  in my XXXX they changed my graduation plans and I fell mentally ill. I fell back on repayment and brought it current with {$900.00} payment and they offered me forbearance to keep it from falling behind again. When six months passed the loan came back {$3000.00} higher than before I paid {$900.00} they told me there is no charge for forbearance but there was and automatically knew this loan would not be affordable. I should have did my paperwork differently because I was actually unemployed when signing up but I wanted to seem professional but my uncle didnt hire me when I left XXXX XXXX calling me overqualified. So the whole application was based on a lie. I was XXXX when I signed it at XXXX and they wrecked my credit and they kicked me out. I didnt smoke at school and I didnt have money to eat yet they kicked me out and made me Retake XXXX XXXX even though I was on my last day and they charged me twice for that course too {$2000.00}. I passed the first time but gave me a 0 with 100 % attendance which dropped my gpa and wouldnt allow me to go to a XXXX school for paid internship which is why I signed up to begin with. She told me if I finish I could get {$18.00} per hour to go to that XXXX   after school. Just all lies fed to an XXXX year old. They make commissions and discredit our involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: U.S. BANCORP
State: MO

Complaint narrative:
I have recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so

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 2018-04-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Attorney 's for XXXX  have foreclosed on my home they provided No notice that they were debt collectors, no notice that I had a right to dispute the debt No copies of the requested details of the debt. They committed fraud upon the court by affirming that tall the information provided was true and it was not. They never served my ex husband who has not lived with me since XX/XX/2003 they affirm the bank has the mortgage documents yet another Law Firm for XXXX  " XXXX  '' affirms that they lost the Note. This is just two instances of the numerous counts of fraud they have committed and affirmed to in documents to the Court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX IS TRYING TO COLLECT A DEBT THAT ANOTHER RECOVERY COMPANY HAS ALREADY COLLECTED.I DO NOT HAVE A CONTRACT WITH THIS COMPANY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
I found a collection account on my credit report from the company ERC as of XX/XX/XXXX. I do not have any debt to this company. I disputed through credit bureau unsuccessfully on XX/XX/XXXX. I do not know why I am getting charge this for {$1900.00}. I didn't not receive any notice nor do I have any proof provide to me that this is a valid debt. now this is jeopardizing my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: CITIBANK, N.A.
State: MO

Complaint narrative:
I have recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so.

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 2018-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX or about I received an alert on my credit report about outstanding balances with XXXXXXXX XXXX XXXX first amount was with XXXX XXXX XXXX XXXX  amount was removed after I submitted evidence that I was not the responsible party also received a letter from the company. Second amount was with another Collection Agency Online Information Services for XXXX .I sent two letters last of which one was certified mail on XX/XX/XXXX. I also sent letters to the hospital with no response. On my XXXX Credit report all amounts were taken off one amount for appx. XXXX was added and taken off. After I disputed the debt with documentation to XXXX   they no longer report inaccurate information with Online Information. I've made countless calls to Online Infomation Services and discussed the issues with the Incorrect reporting Last call was on XX/XX/XXXX when I received a call at my home after on XX/XX/XXXX I discussed that I would continue to dispute this matter and it was a clear violation of the fair credit reporting act there was no reason to call me again. After I made it clear I would be disputing this matter seemed like retaliation or intimination tactic given such a short time frame since we discussed the matter. I also asked them not to continue calling and got the Managers name who handles the accounts.I 've received double bills for the same service at XXXX XXXXXXXX XXXX XXXX XXXX XXXX customer service advised me they were the sole providers for the XXXX  portion of my son 's bill at XXXX XXXX  XXXX Insurance paid XXXX I owed XXXX   XXXX XXXX  sent another bill for the same service charged excess of XXXX I paid the Doctor that performed the XXXX   directly billed XXXX. An Agent or Physician with XXXX XXXX   XXXX.I questioned this bill with the Bill Service manager also discussed the XXXX room rate and the M/S charge for XXXX She simply stated that was the bill " Let me know when you find something out '' .I filed a dispute with XXXX  with the same information they verified it as accurate on XX/XX/XXXX. Given the Inconsistant balances taken a item on and off report by this firm. XXXX and XXXX failing to answer questions about the double billing practice with the Hospital, Physician and XXXX. Failing to return countless phone calls or return letters from the Hospital. I stongly believe this debt to be unlawful and the Validity and Integrity is in Question. Please help me with this matter I feel it is unlawful business and does not reflect consumer reporting practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
I requested removal of PMI several months ago. I filled out the proper forms, had an appraisal and paid the difference while on the phone with the mortgage company to bring the LTV below the required percentage to remove the PMI. However, they have not removed it and continue to give me all kinds of excuses and processing delays although when I paid down the difference I was told it would take up to 2 days ( that was over 2 months ago ). I'm beyond frustrated and I continue to pay the PMI even though I've met their requirements to have it removed. I've called at least a dozen times. At this point I feel they are purposely not removing it.

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 2018-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I set up automatic payments in XXXX/XX/XX/XXXX ( after having a perfect payment history with this vehicle AND an XXXX XXXX ), because I was getting married, moving, and became a XXXX ( which I spend 60+ hrs/wk ). It was vital that I had automatic payments set up because I knew I would not have the time to do much else other than work and sleep for ~2 years as I earned my time at work as a XXXX . I thought everything was fine until my wife had me check my credit report last month as we are ( were ) looking to purchase a house.

Specifically, I called Hyundai in XXXX/XX/XX/XXXXand spoke with a man by the name of XXXX. He confirmed I had automatic payments set up and that it might take a payment cycle or so for it to get up and running. So I paid over the phone with him there and didn't look back. My job and life are overbearingly busy ( much like anyone who reads this probably experiences too ), and I frankly never checked in with anything or anyone.

To my surprise, Hyundai has been reporting my payments late in excess of 120+ days ... which I immediately paid upon learning. I called them and explained, but they did not care and they actually hung up on me. I was respectable and calm on the phone, why would they do that to me unless its such a hot potato they don't want to touch it. And this is why I am filing this with you, they have ruined my credit because of a failure on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Convergent Resources, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally.

XXXX  ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX  and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service.

XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX   doesn't have any documentation, where I have agreed to service or signed for service.

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 2018-04-06 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: MO

Complaint narrative:
School XXXX  XXXX  Lender XXXX XXXX XXXX XXXX  Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$6000.00} XXXX  XXXX Lender XXXX XXXX XXXX XXXX  Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$1000.00} School XXXX   XXXX  Lender XXXX XXXX XXXX XXXX   Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXXXX/XX/XXXX Original Principal {$3500.00} School XXXX XXXX Lender XXXX XXXX XXXX XXXX Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXXXX/XX/XXXXOriginal Principal {$3500.00} XXXX  XXXX Lender XXXX XXXX XXXX XXXX Guarantor XXXX XXXX XXXX/NAVIENT Disbursement DateXX/XX/XXXXOriginal Principal {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
To whom it may concern, I live in XXXX  Florida, area that was heavily impacted by Hurricane Irma. I was given an option of forbearance by XXXX  for 3 months, after which period I would either pay full amount owed ( {$7000.00} and change ) or do a loan modification and trial payments. I was told multiple times that negative credit reporting would be suspended during forbearance AND trial period for loan modification. I was even sent the letter spelling this out.

I am in the TRIAL MODIFICATION program and have made ALL of my payments ON TIME and in FULL.

On XX/XX/XXXX XXXX XXXX XXXX has reported me to all three credit bureaus as delinquent on my loan.

As a result, my credit score has dropped by 88 points over night.

After your incorrect reporting to the bureaus, credit bureaus reported the same to all of my banking institutions, and as of today, my credit worthiness has dropped from excellent to fair. First one of my banking institutions lowered my credit card limit from {$50000.00} to {$3000.00}, second banking institution lowered it from {$22000.00} to {$1000.00}, and third one from {$20000.00} to {$750.00}. All of my balances above these laughable credit limits became due immediately, and interest started accruing.

At the same time, I was working on a loan for my business which was supposed to be closed today XX/XX/XXXX but has been put on hold indefinitely because I do not meet criteria for the loan anymore. My credit score is simply too low.

I have spoken with numerous employees of your company, from following departments : Natural Disaster department, Loss Mitigation Department, Customer Service department, which got me nowhere. Calls I made :XX/XX/XXXX Employee number : XXXX XX/XX/XXXX Employee number : XXXX  XX/XX/XXXX Employee number : XXXX   XX/XX/XXXX Employee number : XXXX At this point, your false reporting has affected me more than hurricane ever did. You destroyed my credit rating, my credit limits with various financial institutions ( which in order to be repaired even after you remove negative reporting would take hard credit pull for each of the accounts that were affected, which will again negatively affect me for the next 24 months ), prevented me and my business getting a business loan which we need to service clients order which has already been placed ( severely risking, me losing the said client ), and cost me a tremendous amount of time by bouncing me around different departments.

My livelihood and my familys livelihood has been severely affected by your actions.

I kindly ask you to do only what you already stated that you will.

Please do not report negative status and remove the reports that you already made as quick as possible.

Thank you.

XXXX XXXX XXXX XXXX XXXX P.S. The letter you sent me has been attached to this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: NY

Complaint narrative:
I have been writing letters and disputing an issue on my credit report since XX/XX/XXXX. My student loan was being serviced by XXXX soon after moving to XXXX I place the loan in forbearance. Within the forbearance time, I received an email encouraging me to lower my student loan payment by allowing this organization to take over the loan, which I did. A year or two after this time frame I notice a 60 day late on my XXXX XXXX XXXX this is around XX/XX/XXXX. I made several calls explaining that not only had the loan been bought out but that it was in forbearance. My pleas were ignored and so I began to challenge it with all 3 of the credit bureau. About every 3-4 years I get a period where I have the time to once again attempt to fight this issue. I have used several credit repair companies with no results. When the issue is disputed XXXX moved the date of the claimed offense. I spoke with an attorney today from XXXX XXXX and found out XXXX has now moved the claimed offense to XX/XX/XXXX. I have not had an account with them since the transfer which was done in XX/XX/XXXX. I am also told by the lawyer that XXXX  is not obligated to send me nor the credit repair agencies ANY documentation of proof, but rather just tell the credit bureau that they are right. I question not only the legality but the fairness. It appears that I have no defense in addressing this issue. PLEASE HELP ME XXXX XXXX XXXX   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 non-monetary relief