vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Leap Credit, LLC
State: SC

Complaint narrative:
In XX/XX/XXXX, I applied for and received a loan from Leap Credit. The interest rates were high, however the payments were made for the account. On XX/XX/XXXX I received an email stating Leap Credit had reduced their rates, and in line with the change I would be receiving a refund in the amount of {$600.00} to be processed immediately, and I would receive it within 2-3 business days. There was no prior notification that a refund would be issued, and if there had been I would have informed them that the bank account used with their company was no longer open. I placed a call to Leap Credit on XX/XX/XXXX, and indicated that the refund was never received and the issue of the bank account on file being closed. I was told the information had to be reviewed by another department. I received an email asking for a bank statement to verify that I never received the refund. Again, the bank account was previously closed, and therefore I do not have and do not receive statements for this. I called again to let them know this. I was told the information would be reviewed. I did not receive an update, and called back on XX/XX/XXXX. I explained the situation again, and at the time the representative took my new bank account information to save instead of the old, closed account. On XX/XX/XXXX I contacted their customer service again, and was informed there were in fact 2 refunds issued, one for {$600.00} in XX/XX/XXXXbut also one for {$140.00} in XX/XX/XXXX that I also did not receive due to it being sent to that old, closed bank account. I was told in their system the payment of {$140.00} did show as returned to them by my bank, but the {$600.00} did not. I was advised yet again that the finance department would review the information, but until then I would not even be reissued the refund that they could clearly see I did not receive of the {$140.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: FL

Complaint narrative:
Someone Stolen My Identity, please Remove these Fraudulent account of My Credit

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 2019-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I was in the process of refinancing my mortgage in the month of XXXX, the company that I was refinancing with requested a payoff from XXXX XXXX XXXX. On XX/XX/XXXX Lakeview initiated a tax payment out of escrow for me. They provided a payoff on the XXXX of XXXX and we calculated this payoff for the closing including per diem. I dont know why they would send us a payoff with figures that werent accurate after they initiated a tax payment. With that payoff, we wired out what the amount would be with coverage for per diem. They rejected that two times from us saying the amount was short even though it was exactly what was requested on the payoff statement. 

Now i'm being reported delinquent for the month of XXXX even though I tried multiple times to payoff my loan with the exact instructions provided by XXXX XXXX XXXX. I shouldn't be reported delinquent.

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 2019-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

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 2019-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Account has been paid off since XX/XX/XXXX of this year but its still reporting on my credit and 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 2019-06-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Account has been paid off since XXXX of this year but its still reporting on my credit and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: MD

Complaint narrative:
Account has been paid off since XXXX of this year but its still reporting on my credit and 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 2019-06-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Through using XXXX XXXX I was able to access my credit report an account that I have never used. I never opened an account with XXXX XXXX XXXX and have never heard of them prior to accessing my credit report. 

XXXX XXXX  XXXX XXXX # XXXX PO BOX XXXX XXXX XXXX OH XXXX Date Opened : XX/XX/XXXX Account Type : Revolving Account Loan Type : Credit Card Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Charge Off : {$5500.00} Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : 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 2019-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar Mortgage, LLC dba Mr. Cooper took over the servicing of new home mortgages in a 55+ community in early XXXX. Most of us closed escrow the end of XXXX. The community is XXXX XXXX XXXX XXXX XXXX in XXXX, CA. Around XXXX of XXXX, Mr. Cooper sent out refund checks and lowered everyone 's mortgage payment indicating to the residents that their Escrow Accounts had been over-funded. Now, in XXXX of XXXX Mr. Cooper sent out a notice to those same residents that beginning with the XX/XX/XXXX payment - everyone 's payment is increasing by hundreds of dollars in order to pay back the current shortage within a YEAR. This increase for me is over {$650.00} per month from what I've been paying {$360.00} a month more than what I initially qualified for. How can Mr. Cooper possibly expect these residents to pay so much more for so long on a month 's notice. Upon scrutiny I discovered these refunds were sent out before Mr. Cooper had even paid the Property Taxes for the first year. Surely a credible servicer would have known that Property Taxes needed to be paid. Their notice ( attached ) indicates there were changes made by taxing authorities and insurance providers which is totally false - everything has remained the same. The problem was caused by Mr. Cooper 's own gross incompetence. I believe hundreds of people are affected, maybe more. Most people are retired, on fixed incomes, many are widowers, and most are unable to pay this outrageous increase and fear they may lose their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Receiving calls stating that a warrant is issued for my arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: NY

Complaint narrative:
I called Navient numerous times regarding Public Service Loan Forgiveness but was told my loans didn't qualify. Now 13 years later I find out from my Union I could have turned my loans into Direct Loans and then I would have qualified for Public Service Loan Forgiveness. Had I known I would have turned them into Direct Loans and had them forgiven after 10 years.Now I will be going into retirement with student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act.

1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

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 2019-06-10 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: CL Holdings LLC
State: MA

Complaint narrative:
There is this account on my XXXX, XXXX  and XXXX credit files that I do not recognize, the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX/XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX, XXXX and XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX, XXXX and XXXX  for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

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 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I write you on an issue that Im having with Santander Consumer USA financial institution on auto loan established on XX/XX/XXXX at {$18000.00} not to include the interest involved. Just this past year of XX/XX/XXXX from XX/XX/XXXX to  XX/XX/XXXX I was behind on the auto loan three months and twenty days the most leaving the car in repossession status. In the month of XX/XX/XXXX on the XX/XX/XXXX the car was repossessed I notified Santander Consumer USA which to hear the vehicle was in its possession, I was also informed what I need to pay in order to gain back possession of car. Now I want to inform you that the car was repossessed before in the year I believe XX/XX/XXXX and was able to gain back possession of vehicle at agreed dollar amount which later led to a so call modification agreement of loan XX/XX/XXXX at {$5000.00}. But after the repossession in XX/XX/XXXX I inquired of both principle/payoff balance on the auto loan at $ XXXX/ {$4000.00}. I was inform on the XX/XX/XXXX the {$2600.00} was need to give car back in my possession but on the XX/XX/XXXX I was told I had to pay {$2900.00} covering delinquent charges on auto loan, interest, and repossession charges. I paid the {$2900.00} on the XX/XX/XXXX with credit card afterward was told after payment is processed balance of loan will be adjusted on account. Now monthly payments was still be given ranging from {$300.00} to {$280.00} a month onward although the monthly agreed note is {$280.00}. I do recall in XX/XX/XXXX calling Santander Consumer USA disputing the payoff balance at {$1200.00} and claiming they havent yet charged the account the towing charged which led into another dispute, because after Santander Consumer USA repossessed the car on XX/XX/XXXX over ten days have already passed when I respond with the payment needed to gain back possession of the car. The auto loan has already been paid off and what on the account is the claimed towing charge of {$790.00} but someone ( s ) within Santander Consumer USA is manipulating the account by seeking false financial gain as it hold title to car. So I ask for your involvement to prevent future hassle as I see inaccurate balance change to account after paying {$190.00} on the XX/XX/XXXX bring the {$790.00} to {$590.00} which Im not seeing that balance reflecting the payment. The truth of the matter is I struggled to get to the end of completing my payments with Santander Consumer USA and someone ( s ) within the business sees this but seeking false financial gain is not the way to do business with the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone Stolen My Identity, please Remove these Fraudulent account of My Credit

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 2019-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone Stolen My Identity, please Remove these Fraudulent account of My Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: NV

Complaint narrative:
Equifax has verified an item on my credit report. I have sent proof from the original creditor showing that showed a XXXX Balance. XXXX is a complete joke, that simply verifies items without a true investigation. This is a medical collection, so once the balance is paid it should get deleted immediately due to Hippa Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: CA

Complaint narrative:
EQUIFAX REFUSES TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE OTHER 2 BUREAUS DID THEIR INVESTIGATION FOR 30 DAYS AND THEY REMOVED THE FRAUDULENT ITEMS BUT EQUIFAX REFUSES TO REMOVE THEM. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: OH

Complaint narrative:
I have a account listed on my credit report that is not accurate from XXXX   XXXX XXXX XXXX XXXX # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review.

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 2019-06-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diaz & Associates, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, I received an alert on my credit report of a collection company, when I view my credit this company DIAZ & Associates have placed a payday collections in the amount of {$800.00} from some company named XXXX. Monday, XX/XX/XXXX I received a letter in my mail from DIAZ & Associates, acct # XXXX-XXXX, file # XXXX stating that I owe a payday loan to which I know I never did. So attempted to call this company at XXXX-XXXX-XXXX to ask information about this letter, the person transferred me to the manager XXXX. I asked him what was this and when was this acct generated. XXXX gave me the date of XX/XX/XXXX and I asked him did he have paper work with my signature, copy of my id, of how was this acct generated. XXXX told me he didn't have that information and could not give me the facts of how this acct was opened. But I told him that DIAZ & Associates was the ones that put it on my credit and XXXX said yes they did. XXXX stated that he would give me the number to this XXXX but then said he didn't have it but got really bothered when he felted as if I was being rude. But I told him I have a police report from being an Idenity theft person, he said it was to old. I stated how would you put things on peoples credit and not have all the correct information they are needing. I used a curse word and hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
There are a few inquiries that were placed on my credit report on Different dates by CHASE BANK from JPMCB CARD that has an inquiry date of XX/XX/XXXX and JPMCB CARD that has an inquiry date of XX/XX/XXXX and another inquiry from JPMCB CARD that has an inquiry date of XX/XX/XXXX, I sent the credit bureau ( XXXX  ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if CHASE BANK claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for every single one of these inquiries, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that CHASE BANK verified or validated these inquiries when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, these applications was submitted fraudulently.

Company response to consumer: Closed with non-monetary relief