vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-19 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: MN

Complaint narrative:
To Whom It May Concern, I had an overdue medical bill from date of service XX/XX/XXXX  with   XXXX   XXXX   XXXX   in the amount of {$1300.00}. Due to financial hardship the bill was turned over to   XXXX   XXXX   XXXX   XX/XX/XXXX  and they aggressively pursued debt collection attempts. I had no way to pay them so it then went to   XXXX   XXXX   Judicial District Court on  XX/XX/XXXX  and a hearing date was set for XX/XX/XXXX for conciliation hearing. I was notified, by mail, of a judgement entered for  XX/XX/XXXX . My place of employment at the time was mailed the garnishment information on  XX/XX/XXXX  and withholding of wages was to start  XX/XX/XXXX .
I called and spoke with   XXXX   XXXX   with   XXXX   XXXX   at  XXXX  and made payment arrangements for two check installments of {$780.00} for  XX/XX/XXXX  and  XX/XX/XXXX . I have proof of one check being deposited by anchor bank   XXXX   trust account   XXXX   on  XX/XX/XXXX  but can not provide a copy of the check on  XX/XX/XXXX  due to my bank records online only going back 15 months.
My issue is that I am trying to sell my house and their is a lien on my title and an unsatisfied judgement on my credit record due to this debt. It was paid in full and when I call the phone number   XXXX   or   XXXX     XXXX   XXXX   XXXX   it either plays a continuous busy signal or a recording says " all circuits are busy ''. My closing date is in a week and I need this cleared up. Please help in any way you can.

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 2017-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I took out a loan and started to repay it in   XXXX   2017. I contacted customer service over and over trying to pay more than was requested every month. It was a nightmare, left me in tears. I finally have up and found out right before the loan was to begin what the amount was. These people are horrible and have terrible customer service. It is a nightmare that I have to deal with them for the next ten years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: NC

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   came on my  XXXX   XX/XX/XXXX as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated  XXXX  (  XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called  XXXX  they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life.
Syncb ( National Credit Card/ Airlines Are on my   XXXX    XXXX . Dates are  XX/XX/XXXX  &  XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.

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 2017-07-19 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: NC

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   came on my  XXXX   XX/XX/XXXX  as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated  XXXX  (  XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called  XXXX  they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life.
 XXXX  ( National Credit Card/ Airlines Are on my   XXXX    XXXX . Dates are  XX/XX/XXXX  & XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
i filed bankruptcy in 2015, i had an attorney, was told that i had to report all properties, i did, i told my attorney that i did n't want my vehicle nor my house involved in the bankruptcy because all of my payments on the house and the vehicle were on time, i was told by my attorney to continue paying my mortgage and the loan payment that i borrowed on my suv, i made the payments until i paid it out, never missed a payment, the same with my mortgage up to date nothing late, then i found out that these   XXXX    accounts were being reported as closed, this is a lie i paid that loan out, and my mortgage is showing closed also, this is wrong, on behalf of the bankruptcy court, i already filed bankruptcy which is making my credit bad and then this happens. what happened to the FCRA, i ; m being discriminated against, my rights are being violated by the federal gouvernment. what do you need FCRA if it is not being carried out as stated. i need this corrected, it 's making my credit report look worse than it really is. my rights are being violated, their are other accounts on my report that needs work also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I purchased a central air conditioning unit from XXXX XXXX XXXX with my Home Depot credit card. XXXX XXXX XXXX  is the company Home Depot uses. I made this purchase on XXXX XXXX, 2016 from a sales person sent to my home. The unit was installed on XXXX XXXX, 2016. The price was {$9400.00}. After the installers left I noticed the air coming into the bedrooms was hot air so I called them to come back. They came back the next day and said there was nothing wrong with the unit. I did find out later from the gas company that it had been hooked to the furnace when they installed it incorrectly. Evidently, on one of their trips to my home they got that part fixed but, it still did n't cool as it was suppose to cool. I was told by the salesman XXXX that he had given me an estimate to replace the duct work. He never even mentioned nor gave me any estimate of duct work. He then said, " I have been in this business long enough to know how to protect my XXXX ''. He said he would not help me and then hung up on me. I contued to call them and called Home depot as well. In XX/XX/XXXX I became very ill and had ungone XXXX XXXX. I was not able to continue calling these people. Then I had another XXXX XXXX on XX/XX/XXXX of this year. At this time the heat began to get higher so I called Home Depot. They said the prblem had been resolved and XXXX XXXX XXXX had replaced the duct work. They had never done that. Finall about a month ago they came in and replaced a portion of the duct work but, now the temperature has a variance of 7 to 10 degrees different in the bedrooms from what the thermostate is set at. I 've called Home Depot again and they said they no longer deal with XXXX XXXX XXXX so there is nothing more they can do. I have called XXXX XXXX XXXX and they will tell me they are sending out someone but, they simply do not show up. I have told Home Depot that I will not be making any further payments until this is made right. No one is doing anything and I believe the price they sold this unit for should be cooling the home.

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 2017-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I had an FHA loan with Bank of America ( BANA ), which was paid in full on or around   XXXX   XXXX  , 2012. It has come to my attention tha t BANA  over charged me interest for approximately 20 days. The attached payoff statement confirms that I was in fact assessed interest for the full month of   XXXX   2012, rather than just through the date of payoff.

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 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On   XXXX   XXXX  , 2017 i recieved a charge to an annual fee for capital one. I contacted them and notified them i would n't be able to pay off the fee due to my college tuition being at $ 11,000+. I also made them aware that i have been with capital one for 2 years and that i have always held a responsible account ownership. This is in regards to my credit card ending in  XXXX . I mentioned to the customer service representative that i would consider closing the account if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I had taken a loan several years ago with   XXXX   XXXX  , which was transferred to Navient. I paid Navient a payment of approximately {$100.00} per month, which was increased to {$210.00}. per month. I then received a letter on  XXXX  XXXX /17 that my payment would be increased from {$210.00} to {$650.00} a month. I called Navient and was told there are no options to lower my payments-my options were to take a forbearance or pay the high payments which were unaffordable, especially since I have federal loans which I pay as well. I was told there were absolutely no options to make my payments any lower. I immediately had to take the forbearance ( dated  XXXX / XXXX /17 ), and had to quickly apply to refinance the loan through   XXXX   XXXX  . The loan was secured through  XXXX , and I was forced to pay off my loan to Navient dated  XXXX / XXXX /17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
The compliant is with Citibank whom I never open an account with Citibank since  XXXX , and never in the past sent me any statement all this years until late  XXXX . All the sudden, Citibank contacted me that I owed them over 10 thousand dollars due to interests when Citibank buyout Costco 's American Express account back in  XXXX . Also, in my credit report for all the years, Citibank never reported I own it any money since  XXXX . In  XXXX , Citibank ruined my credit report by making fraudulent report to credit bureau that I owed them   XXXX    dollars past due. Late  XXXX , we asked Citibank to do investigation for potential ID theft. Citibank never provided investigation result, nor asked us for the proof. I have in procession the statement from American Express back in   XXXX   with   XXXX   balance after paid off the  XXXX  before I called American Express to close the account, and the Costco closing statement in  XXXX  showing I have a credit of   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 monetary relief
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
1 ) Navient has called me every day or multiple times per day for an extended period ( months? a year? ) 2 ) I do n't owe anything to Navient. I have no debt, and have never had any debt, serviced by Navient.
3 ) Navient 's calls are automated and I can not speak to anyone on them.
4 ) Attempting to call Navient back results in a " our office is closed '' message. This is seconds after I receive the call, which means they are autodialling me when they do n't even have the base decency of having staff on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I had a collection acct removed off my report that was not mine the company that reported it put it in the wrong person 's credit report. The acct was not in my name nor was it attached to my ss # number. I had this removed from my report back in   XXXX   XXXX   2017. The credit bureaus put a fraud frezze on my report without my consent. Then in   XXXX   XXXX   I applied for a home loan and   XXXX   was unable to pull my Equifax report due to a fraud alert. I called   XXXX   XXXX   and had them remove it. Since then  XXXX  has tried to pull my credit  XXXX  times for a mortgage and  XXXX  and  XXXX  pull forward and Equifax still will not pull forward. I have made over 42 phone calls faxed several documents as well as the bank and  XXXX  the Thrid party company has contacted Equifax. We are getting no where everyone keeps telling us there is no block. But my report continues to say blocked from Equifax. This has put a tremendous hardship on my life I 'm unable to get my home and now have no home to live in. I 'm living in my fifth wheel due to us not getting our home loan. This is unfair and has put me in the hospital once for chest pains. I need this fixed and right away I do n't know how to get it resolved so I have filed a complaint here the attorney Generals office and the better business bureau and I feel i need a attorney and sue for stress and hardship and health issues this is causing as well as my family is basically  XXXX  due to this credit bureau blocking my report without my permission Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem  paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked ver y long for has dropped over  XXXX  points because of something preventable. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stuart-Lippman and Associates, Inc
State: IL

Complaint narrative:
The debt was not discharged in bankruptcy. It was forced off by personnel from the Illinois Attorney General 's office. The agency ( former ) of XXXX XXXX XXXX XXXX XXXX, of the XXXX XXXX XXXX XXXX instituted theft of alleged account base that I had developed in Statutory employment XXXX IXXXX  XXXX which had some start up costs to develop account base ( s ) for commission earning purposes. After some deception of broker of record letter solicitation there persisted an agreement unsigned by the general agent factor and following termination in writing, the agency evidently hired a XXXX XXXX of XXXX, Arizona to persist in collection harassment of a contractually unsupported debt that persisted on the credit report of my own during which my Mother XXXX and during quite the estate challenge, from an impounded resource after three correspondences occurred from an attorney. The attorney whom had reviewed the contract of my own had corresponded three times in writing, which have, about removing the debt from said credit report in time for a family gather and in time for return to licensure employ which eschews any debt type of the agency owner for future employ and thus ruins licensure. Although the first attorney dropped matter as it coincided with important planning, it has been so hard to obtain an attorney qualified to speak about unlawful debt reporting, yet I 've observed in the law library which laws were broken and attempted partship myself, yet there was no accounting and no explanation of what the amount consisted of and why they persisted so long after the XXXXXXXX XXXX had been told three times in writing that the debt was n't contractually supported. This has caused a lot of uphold on my part, and it has imploded resources, not wanted. There are so many letters inquiring of what a full contract dispute looks like adept to the US DOJ, and something must be done my angle. It 's a long time to be on my credit report without contractual support and being a financial services company, commission related ailments should be documented over and not credit report harassment alleged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am a  XXXX . And I dont know what happened with the investigation but I tried this in 2008 and I 'm checking on the process. I ca n't open an back account its intervening with job 's I 'm trying to get, and I have my own family I ca n't do anything.

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 2017-07-19 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: GREAT LAKES
State: FL

Complaint narrative:
I called Great Lakes to let them know that they reported wrong information and dropped my credit report almost  XXXX  points. They told me that they could not do anything to fix this issue! That 's incredible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: Ditech Financial LLC
State: UT

Complaint narrative:
In  XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with DITECH that was charged off on  XX/XX/XXXX .
Since   XXXX   it has reported me late every month - even though the account is charged off and closed.
In   XXXX   XXXX   I called Ditech and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $  XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with   XXXX   XXXX  . He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked very long for has dropped over  XXXX  points because of something preventable. Thank you

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 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked very long for has dropped over  XXXX  points because of something preventable. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked very long for has dropped over  XXXX  points because of something preventable. Thank you

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