vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-14 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: Southern Auto Finance Co
State: FL

Complaint narrative:
ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Federal student loans for XXXX school serviced by Navient. I have for many years had automatic withdrawal for student loan and never missed payment. I have 2 remaining federal loans with Navient. the first for {$12000.00} and another for {$8900.00} for a total of {$21000.00}, both a fixed rate at 3.625 %. I have for years sent the same payment every month for {$550.00} for both loans. Per their information with continued payments of {$550.00} every month until XX/XX/XXXX I will have paid off the loan. Based on the information they provided me, it will cost me over {$100000.00} over the next 16 years sending in {$550.00} every month to pay off this {$21000.00} balance. I called to clarify this and over the past 2 months failed to get an answer. I was told that once the loan reaches a XXXX balance, no more money will be withdrawn and if I continue to send in current payment with automatic payment and never miss a payment, then my interest rate will stay the same and they claim I should have loan paid off by XX/XX/XXXX. Per my calculations, {$21000.00} balance at fixed rate of 3.625 % with current payments of {$550.00} every month, this loan should be paid off in 40-41 months, which should be 3.4 years from now, which would be XX/XX/XXXX, NOT XX/XX/XXXX. I have been trying to clarify what is going on with my loan and loan payout. Multiple messages via email have been sent with clarification. I sent an email that I was going to lodge a complaint with CFPB and my State Attorney General Office and I promptly received a message from XXXX XXXX at XXXX extension XXXX with Navient. I returned her call and left messages several times but have yet to hear from anyone to clarify my loan payoff question. I hope this office can persuade Navient to clarify a very simple question about the date this loan will be paid off. <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A Citibank ATM destroyed a check I attempted to deposit it in. Call center workers would not assist me. They told me to speak with someone in the branch, even though all branches are closed at XXXX, when the problem happened

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 2017-07-14 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: GA

Complaint narrative:
Transunion customer service has fail to remove the below unauthorized inquiries that are reporting on my Transunion Credit report, and I would like to file a complaint against Transunion to immediately remove these inquiries. XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX keeps reporting that I owe them {$68.00} and I have already paid them. I also paid them {$68.00} again recently ( X/XX/2017 ). Although I paid them it still remains on my credit report.

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 2017-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX keeps reporting that I owe them {$68.00} and I have already paid them. I also paid them {$68.00} again recently ( X/XX/2017 ). Although I paid them it still remains on my credit report.

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 2017-07-14 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: Penn Credit Corporation
State: VA

Complaint narrative:
This complaint concern a collection item placed on account through Penn Credit for a XXXX XXXX account. The account balance of {$340.00} was paid on XXXX XXXX, 2017. I requested that the item be removed from file because it was paid and an old account. I was told by the Senior Manager XXXX XXXX that he could not remove the account as it had to remain on the credit file for 7 yrs. This information was not completely accurate as I was told by the credit bureaus that the collection agency can in fact request them to delete the information. Even though collection items can remain on the file for a time period of 7 yrs., the items can be deleted. <P/>I believe XXXX XXXX practice on behalf of Penn Credit is deliberately an attempt to further jeaopardy the credit of the consumer and in retailation. As I was told by one of the account reps. that i could request the account to be deleted once it has been paid. However when i spoke to XXXX XXXX he stated that this was not the case. <P/>XXXX XXXX attitude was rude and obnoxious.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX, 2017 I sent a certified validation letter, with signature requested, to XXXX XXXX XXXX, XXXX to verify an alleged debt they claim I owe them, in the amount of XXXX. I have no contract with this company. They sent a letter back, dated XXXX XXXX, 2017, without the requested validation of alleged debt and retaliated against me by reporting a collections to the credit bureaus within the past week and made XXXX inquiries on my report without my consent. On the bottom of this letter it clearly states in bold letters, " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT ''. They are damaging my credit report causing it to drop while I 'm working to correct it and deforming my character. Because of this drop, I am unable to get a mortgage or rent an apartment without good credit and my family deserves a home, otherwise we 'll be homeless soon. I 'm requesting this unproven & alleged debt to be removed from my credit reports and all attempts to collect this amount and communication to stop.

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 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX, 2017 I sent a certified validation letter, with signature requested, to XXXX XXXX XXXX, XXXX to verify an alleged debt they claim I owe them, in the amount of XXXX. I have no contract with this company. They sent a letter back, dated XXXX XXXX, 2017, without the requested validation of alleged debt and retaliated against me by reporting a collections to the credit bureaus within the past week and made XXXX inquiries on my report without my consent. On the bottom of this letter it clearly states in bold letters, " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT ''. They are damaging my credit report causing it to drop while I 'm working to correct it and deforming my character. Because of this drop, I am unable to get a mortgage or rent an apartment without good credit and my family deserves a home, otherwise we 'll be homeless soon. I 'm requesting this unproven & alleged debt to be removed from my credit reports and all attempts to collect this amount and communication to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14 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: FL

Complaint narrative:
hi, little over a year a go my ss # was used without my knowledge work with the irs and several creditors to get this matter cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
hi, little over a year a go my ss # was used without my knowledge work with the irs and several creditors to get this matter cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX a message was left on my phone by a XXXX XXXX stating that I was being sued and to contact XXXX with account number XXXX. I contacted this number on XX/XX/XXXX and spoked to XXXX XXXX from XXXX XXXX XXXX and was told that I was being sued {$1400.00} for a credit card owed to Fred Meyers store and she was looking at my chapter XXXX bankruptcy that I had filed in XXXX and this debt was not listed on my bankruptcy. I told her yes it was and that I had a copy of Chapter XXXX bankruptcy from XXXX XXXX XXXX case no. XXXX. I faxed a copy to her at XXXX. I then called her and confirmed that she received the fax. This is the second time I have been contacted by debt collectors in regards to this debt that was discharged by the bankruptcy courts 22 years ago. The last last debt collector was XXXX XXXX XXXX who contacted me by mail on XXXX to try to collect this same debt. I sent them a copy of my bankruptcy papers by certified mail. I feel that this discharged debt is being illegally sold to debt collectors in an effort to harass me and collect on a debt I no longer owe.

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 2017-07-14 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: OH

Complaint narrative:
We have made multiple large payments on our loans since 2016 and every single time we make a large payment - by phone - it gets messed up and split between all the loans rather than being put toward the principal of the loan as we told the person on the phone to do. We check the account a few days later and then have to call customer service again to get it altered which always takes another few days. Also, all of a sudden we are unable to make a large payment on just one of the loans because we have them all on the same statement. This was never an issue previously ( including just a few months ago ). I ca n't imagine your customer service employees enjoy working for such an awful company who just tries to swindle money from us every chance and dealing with upset customers all day when they ca n't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GMA Investments, LLC
State: ID

Complaint narrative:
I get phone calls multiple times a week from Summit Recievables. They do n't know my name and they say they want to get information on a debt. My husband and I pay with cash except for our mortgage so I know I have no debt. I called them and asked that they put my number on their do not call list as I do not owe any debt. He asked for my name and I said you can see my number so look up my account associated with this number and you tell me who you are speaking with. He gave me a bunch of random names suggesting one was my husband and that he spoke to someone at this number last week. I told him that was n't my husbands name and he had n't spoken to anyone at my number. I asked him to put me on the do not call list as I had no debts to pay. The next week I got another call a female left a message. They never give a name. She told me she read a report on my account that put me in a negative light and that she wanted to give me a chance to defend myself before making her final report and recommendation. I did not respond. Then twice this week I have received messages saying it 's been some time since my last installment and it 's crucial I call and give them my information. I have never paid any money for debt collection and I do not know the people he said and told him they were not associated with my number. They keep leaving me a message to call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: Trident Asset Management, L.L.C.
State: MA

Complaint narrative:
I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX TRIDENT ASSET MANAGEMENT, LLC {$100.00}, {$260.00}, {$140.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
The servicer continued the foreclose process while requesting documents, and processing a submission for a loan modification in violation of Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ). Documents were uploaded to NationStar at XXXXXXXXXXXX see exhibits A, B, and C. The company never ceased the court proceedings and advanced a foreclosure while telling me I was in the running for a loan modification. ( See Exhibit D ) I have also requested additional documentation from the company that assisted me with the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION
State: GA

Complaint narrative:
My wife and I stopped by BB & T located at XXXX XXXX XXXX, XXXX GA. The checking account is in my name, and as we are waiting for my wife 's permanent green card to arrive, the bank has not allowed us to place the checking account in both of our names or to open a joint checking account. I had two checks made out to my wife, one from XXXX and the other from a local hospital. The teller immediately refused to cash the checks because my wife 's name was not on the checking account ( we were in the drive through ). I explained why her name was not on the account, and he said he needed to look into the matter. I gave him my driver 's license, her driver 's license, and my debit card. After 20 minutes of checking he came back to tell me he could not cash another check I had given to him ( we had given three checks, the third was to me and my wife for a washer we sold as we were planning to move ). At this point we had been sitting in the drive through for 20 minutes, and our XXXX children under the age of XXXX were needing their naps. I walked into the bank to collect our IDs my debit card and checks ( none of which were cashed ). I asked to speak to a manager however the teller refused to let me speak with a manager. The teller 's name was XXXX, his shirt was untucked, and his overall attitude was very unprofessional. I left the bank, called and spoke with someone in the bank who identified herself as XXXX. XXXX told me that there was no manager in and that they were unsure when a manager would arrive, however someone would be in  touch with me later that day to discuss what happened. No one called. I have dealt with a great deal of unprofessionalism at BB & T the last 2 years, and have had to email them regarding their employees conduct, unwillingness to help, and general cluelessness. These interactions do no inspire much confidence in BB & T. Still, no one from this BB & T branch has reached out to me to discuss what occurred which is why I am filing a complaint. I need to add that I took all three checks to a BB & T close to my home later that afternoon, and the local branch manager cashed them all without any problem. He could not have been any nicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: AR

Complaint narrative:
I submitted a dispute with Equifax regarding duplicate accounts on my credit report regarding the company XXXX. They are for the same account, however, one shows paid and the other shows unpaid but both are having a  negative affect on my credit score. I asked that both accounts be investigated to determine which should be reported. They updated the paid as being verified as of XX/XX/XXXX but did not investigate as requested the unpaid account. If the paid account has been verified, the unpaid duplicate account for XXXX needs to be removed as it was last verified XX/XX/XXXX. <P/>Also, I have requested that Equifax remove an account that is reporting on my credit report because it is medical debt. I have made at least 5 dispute request to get this item, XXXX XXXX, removed and have been unsuccessful. It is even listed as medical debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I recently received a letter from XXXX XXXX XXXX. stating that the debt was valid all they provided was a letter they Typed up, and Like 4 or 5 bills. They did not provide no solid proof that this debt was mines no signature or ID showing that this was mines.

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 2017-07-14 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: Equitable Acceptance Corp
State: PA

Complaint narrative:
Hi I am writing because I was contacted by a company that claimed they helped people with high student loans. The account person told me she would get my loan lowered to XXXX a month. She asked me to sign document and asked me to say my husband was a homemaker. After all that I was transferred to a " verifier '' who told me starting in XX/XX/XXXX I would be paying Mentor/equitable trust XXXX a month. I questioned the charge and said I was never told that and did not agree to this. At this point I knew something was wrong. I Stated I did n't agree hung up and called my loan service ER. They explained to me this was a scam to get XXXX a month and everything this company was supposedly going to do can be done for free. I sent email immediately saying I do n't want this ... Sure enough they have called me multiple times a day threatening me saying I signed a legal contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I contacted XXXX County/Superior Court by phone and requested them to run my name and social security number through their systems to see what information was associated with my personal information. I was told by someone working that there was not any information in the system. I was also emailed stating the same thing. I gave her the case ID number that was on my credit report and she pulled that file up in the system. The file she pulled up has someone else named on it and I do not know that individual. I was also emailed the information that was associated with the case ID number that I provided. This took place XX/XX/XXXX. I have a lien judgment for the amount of {$590.00}. <P/>I also have filed several disputes with all the credit bureaus along with my supporting documents that I were emailed from by XXXX County. My disputes were last filed XX/XX/XXXX and were closed XX/XX/XXXX.

Company response to consumer: Closed with explanation