vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I initially contacted my mortgage company XXXX XXXX to make payment arrangements XX/XX/2017. I was told since I was affected by a natural disaster I would not incur any late payments and my credit report would not be affected for XX/XX/2017, XXXX, XXXX, and XXXX. I had my credit report pulled in XXXX and discovered they had not honored the agreement. I contacted the company and then contacted all three credit bureaus. Two out of three have made the necessary corrections. Equifax just came back with the investigation and updated my credit file to show XXXXXXXX XXXX as a closed account with the remark " Affected by natural disaster Account acquired from another lender '' which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 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: CA

Complaint narrative:
Dear United States Department of Education, I am writing this letter to dispute the validity of the account and of thereby of the said debt regarding reference # XXXX. I never knowingly signed any document in order to take out the foresaid loan and wish to have this cleared from my name. If any loan was taken out in my name, it is fraudulent and I didnt give permission for this to take place. I should not be responsible to repay this debt or any interest or fees or any collection costs that has come about due to the fact that this is fraudulent activity using my name! I am requesting information of how to dispute this fraudulent deed. Thank you in advance for your time. I can be reached by email at XXXX or at XXXX XXXX. 

Thank you, 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 2018-10-09 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: IL

Complaint narrative:
On XX/XX/2018 I sent a certified letter to XXXX, XXXX and Equifax to have them to investigate items on my credit. I ask of evidence to prove their reporting. I have asked for proof of my signature which none of these creditors have supplied me with. I got a letter saying it was verified and i ask how did they verified with out proof, I also got a letter from XXXX saying they will not investigate my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I sent a certified letter to XXXX, Experian and XXXX to have them to investigate items on my credit. I ask of evidence to prove their reporting. I have asked for proof of my signature which none of these creditors have supplied me with. I got a letter saying it was verified and i ask how did they verified with out proof, I also got a letter from XXXX  saying they will not investigate my disputes.

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 2018-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I have had a PayPal account now for a few months, so far Ive been able to make one transaction XXXX XXXX XXXX, this transaction was paid with my own account and it cleared and there was no problem with the transaction. Ever since this transaction though I havent been able to do anything with my PayPal account and I mean anything. I call in because everything is denied and they say its blocked by their security system and they can not disclose the reasons why. They advertise all these features but to someone like me who has no negative history with them and has had one successful transaction its seems crazy that I would be Blocked by a security system. I havent done anything wrong to even be on a radar to be blocked and I feel this is a scam to just get people to sign up. I will say my account is fully verified and everything. There literally is no reason I shouldnt be able to utilize PayPal and they wont do anything to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
This company hired XXXX XXXX to call and claim they are processing a claim against me by XXXX for a lease contract from 5 years ago. This contract is beyond the statute of limitations in the state of California. XXXX XXXX also contacted my father and mom before contacting me and gave them all the information about this case they claim they are opening against me without ever reaching out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Both XXXX XXXX and Portfolio Recovery Associates have been improperly reporting the XXXX XXXX/XXXX account. In the Condition category the account should be listed as being paid and should say paid. Within the Condition category it should not say derogatory. This should not be listed as such because it does make the account looked as though it hasn't been paid. This has hurt my overall credit reports and score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Total Card, Inc.
State: MD

Complaint narrative:
ON XX/XX/2018 I SEND A LETTER TO Total VISA XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX CRET MAIL. 

AND ASK THIS COMPANY ABOUT ACCOUNT # XXXX I WAS TOLD BY A WOMEN NAME XXXX WE HAVE NO RECORD OF THIS ACCOUNT AND WE COULD NOT HELP YOU .. 

I ASK HER CAN U LEAD ME TO WHO HAVE THIS ACCOUNT SHE TOLD SHE DON'T KNOW. 

I CALLED BACK ANOTHER TIME SAME DAY AT XXXX EST TALK WITH A GUT NAME XXXX GAVE HIM THE INFORMATION PROVIDE ABOVE. HE STATED THERE IS NOT ACCOUNT WITH THIS INFORMATION OR UR NAME ... 

I ASK HIM DID U GET THE LETTER I SEND OUT ON XX/XX/2018 HE STATED YES LIKE THE OTHER AGENT. AND THEY BOTH SAID THERE NO RECORD OF THIS ACCOUNT AND THEY CANT HELP ME ... ... 



Email us at XXXX NOTE : We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system. 
Postal Address : Total VISA XXXX. XXXX XXXX XXXX XXXX, SD XXXX For questions about your application or to pay your processing fee, please call ( XXXX ) XXXX. 
To check your account balance, make a payment, or for other general customer service inquiries, please call ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Ok, SO! On XX/XX/XXXX I see 2 installment loans from the XXXX XXXXXXXX XXXX  XXXX : one in the amount of {$2500.00} and another in the amount of {$2500.00}. THESE WERE NOT OPENED BY ME and you can see how much just pure XXXX I've been put through ever since XXXX when my husband started using my SSN AND out children 's to file taxes. I've had SO much stuff on my accounts that I've had to fight until I just felt like giving up because I can't. The XXXX XXXX XXXX XXXX XXXX remarks are so rude. They're just like nope this is you and that stands. Ok WHY. WHY DOES IT STAND WHEN I NEVER APPLIED FOR THESE LOANS? LOOK at my history! I'm having a problem now with FOUR fraudulent hard inquires showing up on my credit report and Equifax can't even confirm my idenity with my OWN SSN, DOB, OR NAME. WHAT DO I HAVE TO DO TO MAKE THESE HEARTLESS, CRUEL AND UNCARING PEOPLE SEE THIS IS RUINING MY LIFE. I'M SO TIRED OF FIGHTING BUT I CAN'T GIVE UP BC I CAN'T EVEN GET A {$500.00} LOAN YET I'VE HAD AUTO LOANS AND PAYDAY LOANS AND STUDENT LOANS AND ALL KINDS OF EXCUSE MY FRENCH BUT XXXX GOING UNDER MY NAME! The proof is THERE!!! They just are too wrapped up in themselves to realize this is causing ME to suffer bc i can't even rent a decent place to live or build any kind of future for myself bc they are flat out REFUSING TO ADMIT THEY ARE WRONG!!!! PLEASE PLEASE SOMEBODY HELP ME. IT'S THE XXXX XXXXXXXX XXXX XXXX ... THEY DON'T CARE IF IT'S THE TRUTH OR NOT BC THEY DON'T CARE ABOUT US AS PEOPLE BC THEY ARE FUELED BY GREED AND SELFISHNESS. I WILL KEEP FILING AND KEEP FILING until somebody does something about this. I'm sorry I'm upset but enough is enough I'm tired if this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently, I was reviewing my Equifax credit report and noticed that there was incorrect information listed for my XXXX/XXXX account. I tried to file a dispute online, however I was not able to. I also called today and spoke with someone whom I could not understand. I tried explaining that the information posted was incorrect and she hung up on me. On XX/XX/XXXX, it shows the closing date of this account as XX/XX/XXXX however I have amother report from XX/XX/XXXX that shows the closing date as XX/XX/XXXX. This account was removed from my credit report and put back on in XX/XX/XXXX. 

There Is also a XXXXXXXX XXXX  account and a XXXX/XXXX account that are over 10 years old on my Equifax credit report. The Fair Reporting Credit Act states that credit reporting agencies must report correct and updated information. Equifax is changing information as well as reposting outdated information, which is against the law and affects my credit rating negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I received a letter regarding an unknown bill that I was truly unaware of. I then send them a certified letter with return receipt and they refused to respond back with any evidence that this debt they are trying to collect belongs to me. after further research I come to find out that not only do I believe this is not my debt but it is well over passed the statue of limitation in my state. they are clearly in violation and I demanded in writing that they no longer contact me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: MD

Complaint narrative:
I SEND A LETTER ON XX/XX/2018 ABOUT THIS ACCOUNT AND DETAIL OF THE ACCOUNT AND I NEVER GOT A ANSWER FROM THIS COMPANY .. 


XXXX XXXXXXXX XXXX TOLD ME OVER THE PHONE ON XX/XX/2018 TALK WITH AGENT NAME XXXX ID XXXX SHE STATED TO ME THEIR IS NO ACCOUNT LISTED FOR ME UNDER THAT NAME OR ACCOUNT NUMBER PROVIDE .. 

IF THATS TRUE WHAT THE AGENT SAID UNLESS SHE GETTING PAID TO LIE TO CUSTOMERS FOR A CHECK .. THIS IS CRAZY .. 

ACCOUNT NUMER IS 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 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The accounts COUNTY OF XXXX XXXX, XXXX XXXX  XXXX, were not a past due, I am paying it faithfully..I take care of my bills and pay these creditors on time.. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the late payments from my report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
On XX/XX/2017, I lost my Job, and for loan that I had with them of a monthly payment in the amount of {$500.00} was an excessive amout that ai could not pay in total. By calling the company and by calling the company I had the chance to set up a payment arrangement, which was to pay {$300.00} a month, but close to the end, the agent on the phone mentions that by changing the payment plan, the interest rate will raise by 15 % more, when it was already high enough for me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from capital one on XX/XX/XXXX XX/XX/XXXX and XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard  inquiries on my credit report which is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : Creditor Name : XXXX Inquiry from XX/XX/XXXX XXXX Card -XX/XX/XXXX XXXX  Card -XX/XX/XXXX XXXX XXXX   XX/XX/2019 I would like to be provided proof I consented to these inquires via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely, 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 2018-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The account XXXX XXXX XXXX  was not a past due, I am paying it faithfully..I take care of my bills and pay these creditors on time.. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the late payments from my report immediately

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 2018-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
XXXX stay harrasing me about payments my interest are very high also they put me on deliquent, which is not fair i barely get pay enough for them to be to harrass me the way they do they are pretty rude never want to work with client i make payments each month of the amount i can. i regret taking a loan from worst company ever can't wait to pay everything off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/2017 I was in XXXX XXXX XXXX in XXXX XXXX to get a new car. I was going to do a finance option and said they could run my credit. I told them to run my credit, but later I found out they had run it for 5 different times in the span of the 15 minutes? I believe once would have been suffice. These 5 hard inquires have brought down my credit score They are still there 1.5 years later. I would appreciate them being removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
On Monday, XX/XX/XXXX I visited two XXXX Dealerships ( Owned by Honda ) to lease a XXXX XXXX XXXX. First dealership is located off XXXX XXXX in XXXX, NJ and the second dealership was located in XXXX, NJ. I specifically inform the sales person that I already made my mind in selecting that specific model and the down payment would be {$3000.00}. Before running I reminded them i had a repossession back in XX/XX/XXXX with Honda which i completely paid off the deficiency after the auction sale of the car so this incident was basically settled and explained it was due to my poor budgeting and young at the time. The sales person advised me it shouldn't matter. 

We continue to proceed with the transaction and once we negotiated the price they then told me they were going to run my credit report. Soon after, another guys shows up to inform me that Honda will NOT lease any car unless I have a co-applicant and told me it can not be an SUV. Not only was a hard inquiry placed on my credit report but my my frustration is, they KNEW I had a repossession because it was the first thing I disclose to them and second the repossession happen over 15years ago!!! The finance guy told me Honda will " Never '' allow me to lease with them because of the repo. My frustration was if this in fact was true and I did disclose this to them, why even bother running my credit when I told them from the very beginning I wanted to lease. It seems to me the did not care and regardless of a credit inquiry placed, they failed to disclose this information. I even asked to put a higher down payment and they told me no. Why put me through this aggravation if they knew they NEVER lease with this history. Secondly, I thought after 7 years they can not use any adverse reporting against you, which evidently they sure did. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: NV

Complaint narrative:
I WENT TO THE XXXX XXXX XXXX  WEB SITE AND ACCESS INFORMATION FROM 1988 FROM XXXX XXXX XXXX. I FOUND A LOT OF INACCURACIES AND FALSE REPORTING. FROM XXXX XXXX COLLEGE THIS COLLEGE FALSIFIED DOCUMENTS AND SHOWED ME ENROLLED AS A STUDENT FOR 2 YEARS AND GRADUATED. I ONLY ATTENDED THIS SCHOOL FOR ABOUT 2 WEEKS AND I DROPPED OUT DUE TO XXXX. APPARENTLY THEY GOT CHECKS IN MY NAME AND CASHED THEM. THIS IS NOT MY STUDENT LOAN. I SENT PROOF OF FRAUD BY THE SCHOOL THAT WAS GOING ON AT THE SAME TIME I WAS ENROLLED. PLEASE REVIEW THE DOCUMENTS I SUBMITTED AND I CAN SHOW PROOF THEY FALSIFIED MY STUDENT RECORDS AS LIST ME AS A GRADUATE. PLEASE REINVESTIGATE THOROUGHLY AND REMOVE FROM MY CREDIT FILE .XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have tried to get my free annual credit report from Transunion twice, I have sent proper requirements first time I sent a copy of my ID with old address on it and social security card on XX/XX/2018 In responds Transunion stated they need a utility bill with my current address that was current so I sent that to them, they respond back with letter stating that that was not acceptable proof how is that when that was one of the requirements, so I updated my ID with my current address and resent a copy of my updated ID, social security card, and a utility bill XX/XX/2018, they responds back XX/XX/2018 that the documents are not illegible, I'm at a loss I need 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