vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-22 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have 2 credit card accounts on my XXXX XXXX, XXXX  and Experian credit report that I did n't apply for and is unauthorized and fraudulent. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX 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
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX/2017 I made a payment to ATT Universal Card for {$750.00}. There site reflects that this payment was made, decreased my credit limit and this payment has already cleared my bank which is XXXX XXXX on XXXX/17. However ATT Universal Card has yet to credit my payment and stated that they put an arbitrary hold on my payment because I have " not made a payment that large before '' which is not true as I have had this card almost 20 years and have made payments that large before. When I called to speak to a supervisor I spoke with 2 account managers both of which refused to receive any documentation of my proof of payment and also requested that even though I made the payment, even though it cleared my account that I still had to call them back in 4 hours so that they can " verify '' with my bank that they payment was made. I informed them they I would be more than happy to send them a copy of the cleared transaction from my bank and they refused to accept this information. I offered to provide them with the confirmation numbers for the transaction and they refused to accept that also. I consider taking a payment that has cleared a customer 's bank but then refusing to release that payment to the customer and refusing to accept documentation of that payment and forcing the customer to " call back '' in order to credit for a payment that was already made is robbery. Neither account supervisor was helpful and matter of fact both had the tone that it was my fault that the payment was held when they do NOT inform you at the time of payment that they will place a hold on any payments especially those that have already been drafted from my bank. I have had MULTIPLE issues with the credit card company holding charges and not releasing charges for over 14 days. The public needs to be aware of their predatory and in my opinion CRIMINAL tactics.

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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have recently obtained a copy of my credit file and there is mistake in my report : XXXX XXXX XXXX - I have never paid late this account, insurance paid late, please remove late status

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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I need for this address to be removed from my credit file   XXXX   XXXX    XXXX   XXXX , SC,  XXXX  My current and only address is  XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  I have attached the drivers license to this complaint. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: OH

Complaint narrative:
I am in the process of purchasing a home. I pulled my credit report only to find over XXXX credit inquiries on my report, XXXX collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien 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 2017-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I sent certified letters to XXXX, XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX disputing the collection account from Commonwealth Financial in the amount of {$1300.00}. On both occasions, all 3 credit bureaus stated the information was verified and accurate ; however, none of the 3 credit bureaus sent any documentation to support their response as I requested, only that the debt was verified. I contacted the company directly ( per the direction of all 3 credit bureaus if I still disagreed with their findings ) by certified mail on XX/XX/XXXX requesting that they validate the debt. The company signed for the certified letter on XX/XX/XXXX but I have never received a response from the company to this day ... ..almost 3 months after they received my letter. I contacted all 3 credit bureaus AGAIN by certified mail on XX/XX/XXXX advising that they did not provide any documentation to me and the creditor has not responded to me. I have recently received responses from both XXXX and XXXX stating they have verified the debt once again ; however, no one will provide me with any validation of debt documentation or address the issue on why the company will not respond to me. This has been going on for 6 months now with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am in the process of purchasing a home. I pulled my credit report only to find over XXXX credit inquiries on my report, one collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXXXXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am in the process of purchasing a home. I pulled my credit report only to find over 15 credit inquiries on my report, one collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXX XXXX XXXX ( 2x ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXXXXXX ( 2x ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( 4x ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXXand XX/XX/XXXX XXXX- XX/XX/XXXXXXXX ( 2x ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien 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 2017-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service Company, INC
State: TX

Complaint narrative:
I sent certified letters to XXXX, XXXX and XXXX on XXXX XXXX, 2017 and XXXX XXXX, 2017 disputing the collection account from Credit Service Company in the amount of {$330.00}. XXXX deleted the collection account from my credit report ; however, on both occasions, XXXX and XXXX stated the information was verified and accurate ; however, XXXX nor XXXX has never sent any documentation to support their response as I requested, only that the debt was verified ; however, I requested the debt to be validated. I contacted the company directly ( per the direction of XXXX and XXXX if I still disagreed with their findings ) by certified mail on XXXX XXXX, 2017 and again XXXX XXXX, 2017 requesting that they validate the debt. The company signed for both of the certified letters ; however, they refuse after two requests to provide all of the documentation that I have requested. I contacted XXXX and XXXX AGAIN by certified mail on XXXX XXXX, 2017 advising that they ( the credit bureaus ) did not provide any documentation to me and the creditor refuses to provide all documentation requested. I have recently received a response from XXXX stating they have verified the debt once again ; however, no one will provide me with any validation of debt documentation. XXXX sent a letter stating they are investigating the dispute. This has been going on for 6 months now with XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.

Complaint narrative:
I have moved out of the USA and have had a very difficult time managing my student loans. To make payments from overseas international accounts are not accepted. I have since opened an account in the USA. Due to family circumstances I have had to altar my repayment and even defer payment for a time. I borrowed {$28000.00} and despite making payments since 2008 I now owe {$36000.00} because the interest rates are astronomical. My mother is the cosigner and my father is XXXX, so she is unable to assist in repayment. I am worried about getting her into financial trouble, but am doing my best to fulfill my obligation, but I do n't see an end in sight. My only option at the moment is to extend my repayment period to lower my monthly payments and still that is not manageable. I 'm at my wits end trying to figure this out and to be honest quite XXXX and XXXX. If I had known or been better educated at the time of borrowing, I would have NEVER taken out a signature student loan. It was marketed as a friendly option to students and has been anything but and the biggest regret I have. I would have preferred to not have my XXXX XXXX degree then be stuck in this horrible contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
First off my balance on my personal credit report states that my balance is {$9700.00} and my highest balance is {$9500.00}. Where did the EXTRA {$210.00} come from being that my contract literally just started unless this company charged over {$200.00} interest just to approve the loan which is illegal??? Out of TWO ON TIME MONTHLY PAYMENTS 0 has been reported to any credit agencies. These numbers are extremely inconsistent to the original financed amount which is shown in the photo provided which is stated by Exeter to be {$9500.00}. Out of TWO ON TIME NEVER A DAY LATE PAYMENTS OF {$290.00} which total to {$580.00} my balance has only decreased by {$61.00}. So where have my payments actually went? Why are inconsistent amounts being reported by Exeter through multiple outlets? I also have recorded conversations of the lies Exeter Finance has told.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   2013  30 days past due as of  XXXX     2013  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am questioning account number  XXXX  with LVNV Funding due to the fact that I have sent several dispute letters to the credit reporting agencies and it comes back verified every single time. They are claiming that I owe {$400.00} to  XXXX   XXXX  on my credit report.   XXXX  I have contacted LVNV Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: PA

Complaint narrative:
For three years, Navient/XXXX XXXX has put my loan of roughly {$40000.00} in a forbearance because my salary at that time barely reached {$23000.00} without giving me an option of a low repayment when I applied during those three years for the Income-Based Repayment plan. Now, I am at a new job that almost tripled my salary and when the time came in XX/XX/XXXX to reapply for my repayment plan, the only option it allowed me to select was IBR again, even though I knew it would be rejected and that I was ready to apply for the Graduated Repayment plan. So I reapplied for the IBR and the next thing I received a few weeks later was a summary of my loan and saying that once again, I owed nothing. All of the sudden, in the week of XX/XX/XXXX, I received a bill from Navient telling me that I owed {$460.00} by XX/XX/XXXX -- no prior warning and no reason given why. I called them immediately and they told me I was denied for the IBR, but I received no letter and no e-mail telling me this information and offering me to apply for a different plan. I told them to put me into the Graduated Repayment plan over the phone. A week later, I received a letter telling me the information of what my payments will now be over the timeline of the loan, but now, with my first payment due next week, I have yet to receive the bill. I 'm trying to buy a house in the next few years and I am concerned that since they are either not sending my important information and bills or delaying these items, it will cause me to hurt my credit score since they wo n't receive their payments on time. This is unfair to me, who has been repaying three other private loans the last four years and I have NEVER been late on a single payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair Collections & Outsourcing , Inc. is reporting a debt to XXXX and other credit reporting companies that is false. They claim I owe rent to XXXX XXXX for renting a apartment from XXXX in XXXX XXXX Iowa. I did rent an apartment for a year lease from XX/XX/XXXX thru XX/XX/XXXX. I was transferred a few months later and worked with XXXX XXXX to sublease the apartment. I paid rent thru XX/XX/XXXX. The apartment was sublet XX/XX/XXXX for the remainder of the lease. When checking out I was told I owe no further monies because the apartment was sub-let. XXXX XXXX now claims I owe them a sum of money. They never contacted me. XXXX XXXX must have sold the supposed debt to Fair Collections & Outsourcing , Inc. Who has reported this to XXXX and other credit reporting companies. I 've called the corporate head quarters of XXXX XXXX to be told I have to work with Fair Collection. I 've made several attempts with Fair Collection to clear up the misunderstanding including sending them the attached Resident ledger and they refuse to remove the bogus claim. FCO address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD 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 explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Hi I 've made a payment on my  Amazon.com credit card, before I heard from them I saw my bank rejected the payment for one reason, I 've attached a snap shot where you can plainly see when they charged me {$29.00} ifs for Amazon while there was {$400.00} in my account. My payment was {$110.00}. Clearly the money  was there. I immediately I log on and pay {$300.00} and they tell me my account is closed. With no warning, no letter in the mail, no phone call. I 've called to try to speak with them but I 'm refused any help. I was informed that they sent a letter on the  XXXX . Which is 9 days after my payment was due. And told I would n't recieved it f or 9 to 1 0 days. Stating my account was closed. Also I 'm not given any information about the reporting of my account to the credit beurro. I was given an address at end of call t hat may or may not review my info. Also I asked if the payment was submitted 1 or 2 times to my ba nk and recieved no answer in regards to that.

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 2017-06-22 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: AES/PHEAA
State: MD

Complaint narrative:
FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment. XXXX XXXX XXXX Very truly yours, /XXXX/ XXXX XXXX

Company response to consumer: Closed with explanation