vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
In XXXX XXXX I found out someone had rented an apartment in my name XXXX XXXX XXXX in XXXXXXXX XXXX who said I owed {$3900.00}. I then contract the collection agancy which is NCC Business and informed them that it was not me. I was told by an repersentive at this company that I need to send a email giving them permission to send information about this account through email which I did. I never recieve anything or heard form them again. I then was trying to rent an apartment in XXXX XXXX. And was told by the complex that I owed another complex money. This is when I saw that it was been reported to XXXX and XXXX XXXX, I contract both reporting agency put in an dispute, XXXX responded and said the debt was mine. I then contracted the oringinal credtior on XXXX XXXX, XXXX who 's name is XXXX and I did a Dispute XXXX giving them a police report. They never responded so once again I let the NCC Business company know that there was no answer. And how if I was not getting an answer how were they. NCC would not let me know who was they contract at XXXX,. I reached back out to NCC Business and sent them my XXXX report and a photo ID. NCC Business then told me they would send this information to XXXX. And XXXX had thirty days to answer. this was on XXXX XXXX, XXXX. I called XXXX XXXX again on XXXX XXXX, XXXX an spoke with a supervisor by the name of XXXX XXXX who told me that XXXX responded and said that the debt and the ID match.So I called the local XXXX office on XXXX XXXX and was told to call their customer care office in XXXX Once reaching out to XXXX customer care department on XXXX XXXX I was told by a repersentive who 's name is XXXX who is the person you speak with when you are trying to pay a debt or dispute a debt for that area which is Georgia. XXXX told me that they never recieved any paperwork from XXXX XXXX about the debt. And if XXXX did send it to us it would be no way to verify because we no longer own the apartments. And also we do not have your ID on file. I called NCC back on XXXX XXXX, XXXX spoke with XXXX XXXX again told him what was told to me and asked again who or where did he send the paperwork and XXXX XXXX still had no answer for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
FAIR COLLECTIONS AND OUT is in violation cra inaccurate information put on my credit id theft and po report sent to all major company

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 2017-11-10 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
In accordance with FCRA 605B, I requested a block of information on my Experian, XXXX, and XXXX credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report XXXX XXXX XXXX and XXXX XXXX XXXX, detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ( previously determined to be fraud in XXXX XXXX XXXX Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XXXX XXXX, XXXX via USPS Flat Rate with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, XXXX account determined to be fraudulent and removed from my credit report in XXXX XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.

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 2017-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I opened credit account with XXXX XXXX on XX/XX/XXXX. The agreement was to pay the balance of {$2000.00} with at least a  minimum of {$110.00} a month. Logged in to their online portal to make the payment, used my debit card at the time to make the first monthly payment on XX/XX/XXXX of {$110.00}. The online portal accepted my payment and it was deducted directly from my personal checking account. I have copies of my bank statements to prove this. I noticed that although the money was withdrawn from my account, the balance owed on the account remained the same. 

I called the company and they said to give it time to clear and it can take up to 3 days to clear. Waited for the 3 days, again same response. The following month, made the payment on XX/XX/XXXX and XX/XX/XXXX for the same amounts of {$110.00}. My thought process was since it was a larger amount being paid off that the company would act faster. Made no difference, called about the payments not being reflected in the balance, they said that it takes time to clear to check back in a few days. The following month, tried one last time and it went through. But they were unable to account for the other three payments made and did not reimburse or apply it to balance even after it was deducted from my checking account. Since I did not continue to pay as they would not credit account for other three payments, they sent my account into collections. 

Now two years later, I am in the process of cleaning up my accounts and have disputed this twice with all three credit bureaus, with proof of bank statements where credit card companies can verify my personal data and XXXX  XXXX keeps claiming that the account is being reported correctly. Their last " confirmed '' payment date on file is on XX/XX/XXXX. They sent dates to the credit bureaus showing monthly balances, but have only shown dates within the last year and not the dates where the bank statement shows I made the payments. I need help clarifying this matter and updating my account to reflect the correct balance. As a consumer making responsible on-time payments, I was treated unfairly and am offended that I have not been helped with this matter despite reaching out several times to avoid being in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America closed all my accounts ( checking, savings, business ) without any notice before, or an explanation after, they were closed. I have had my checking account for over 20 years with them.

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 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: MI

Complaint narrative:
Well first off thank God we have the XXXX Many consumers and i have no nice way saying this but ar egetting XXXX by these large comonaies that think they cann walk all vover the consumer wrong I sued two large compnaies in Federal Court. It need to end here and for companys to take responsibility for their own mistakes  I will poest supporting eamils in here since they dont seem to upload through other complaint. My Loan now is being held up for weeks yes weekes because the last title company that did my loan titel did not do there job and left a lien on the house with another lender. This shoudl have been done by the titale company that was hired for XXXX dollers. Well they didnt do there Job so now Im stuclk hiring people to do it with my own money  which has caused problems in my life. I can pay my bills now and get my medication. And honestly been sick over this with my XXXX being in the high XXXX. They refuse to correct this mistake . I ask them over and over to please fix it they do not knwo what to do who to go to because they dropped the ball a year ago. So. now the bill just get larger. In talking with my atoturney  XXXX XXXX  XXXX XXXX the number 1 and number 2 mortgage lender sin the COuntry all agree the titele company that was hired by my mortage company should have fixed this and will not so they can pay me and the people I hired to clean this mess up. How sad you would do this to a client that did ahve trust in you . I understand u made a mistake wer ehuan however u refuse to fix it I have asked you seeral times  and i been running my XXXX off to get this clloan closed  but have a hold up because you never did proper title work on my previous loan shame on you, SHame on you.

 RE: XXXX - XXXX XXXX XXXX XXXX 


  Reply|
Thu XX/XX/XXXX, XXXX XXXX  
You 
You replied on XX/XX/XXXX XXXX XXXX.
XXXX XXXX,
 
Yes, the previous title company, that we do not have any affiliation with, made a mistake when drafting the title work.
 
Thank you,  
 

XXXX XXXX
Loan Assistant
Home Point Financial Corporation 
Branch NMLS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Work Phone: (XXXX) XXXX Ext: XXXX
Fax: (XXXX) XXXX 
Email: XXXX

I appreciate your help in getting this resolved.  The old title company has been giving us push back all week and hasnt been moving this along because they havent wanted to admit fault.
  

XXXX XXXX
Sales Manager
Home Point Financial Corporation 
NMLS: XXXX
Branch NMLS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Work Phone: (XXXX) XXXX 
Fax: XXXX 
Work Mobile: (XXXX) XXXX
Email: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
I 'm writing today to file a complaint against Navient. Navient sent my 9 private loans into collection and has reported it as charged off on my credit report. I had been battling with Navient for months due to financial hardship I was unable to make my payments. Without any repayment plays other than forbearance, my account was sent to collections. I have since made arrangements with Navient where I am on a repayment plan that includes paying Navient faithfully every month {$250.00} dollars at 0.01 % interest rate. My total current balance of these loans is {$7900.00} which I have been trying to pay off since graduating college in 2011. Due to the astronomical interest rates on these loans, I have never been able to make a dent in the principal balance, it is a constant revolving debt of interest. I am a XXXX XXXX and am trying to move out of my parents house and become a homeowner. My credit score has been absolutely dismantled because of Navient 's credit reporting of charged off/account past due every month even though I faithfully make the direct debit payment of {$250.00} a month. I have been working closely with a credit repair company to increase my credit score so that I can qualify for a refinance in order to pay off all of my private student loans at a lower interest rate and finally get out of this ridiculous student loan debt. I can not do that though if Navient continues to report my account as charged off/past due. I would like for Navient to please report me as on time paid to the credit bureaus so that I can finally pay off these loans and move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: CA

Complaint narrative:
EXPERIAN is reporting two accounts XXXX XXXX XXXX, ACCT NO XXXX and XXXX that should not be reporting as medical collections on my file.BOTH services at the original creditor were adequately insured but not properly billed.They should be removed from my file.Experian refuses to reinvestigate these fraudulent billings and collection.

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 2017-11-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
On XX/XX/XXXX - Ford Credit sent their 3rd party company XXXX XXXX XXXX to inspect my XXXX XXXX because my lease was ending XX/XX/XXXX. I got a official report from XXXX XXXX XXXX saying my balance is {$1200.00}. XXXX XXXX also sent me a bill a week later stating that said I owed {$1200.00}. On XX/XX/XXXX, I went to the Ford dealership to return my leased vehicle and found out, my balance was {$110.00} more than both of my statements, I have received from Ford Credit and XXXX XXXX XXXX. There was nowhere on both statements that state and/or local tax is due for " Excess Charges ''. I have called Ford Credit a few times since XX/XX/XXXX to resolve the situation and the customer service representatives have been unprofessional everytime without addressing my situation or allowing me talk. I want to pay my final bill but would like someone to explain why I was n't informed about this tax. I enjoyed my leased vehicle, but with the unexplained " tax '' and unprofessional customer service representatives, I will never do business with Ford! Buyer Beware!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I had spoke with someone regarding opting out of overdrafts during the early part of 2017. I was told i could not. I recently discovered the previous suit filled against them and called to have my account opted out and stop any transactions from coming through for a short period of time. They did not do that and claim they have no record of the call. Since then, 3 transactions cleared and 4 overdraft fees of {$37.00} were added. I addressed the issue and they refunded {$89.00} of the {$140.00}. I spoke with two different Department Leads to resolve the remaining fees and they said they could not do so. I 've had many issues with them in the past and do not feel it is ethical for them to hold me accountable for misinformation given to me by numerous employees. I offered to pay for the charges ( {$84.00} ) and not the overdraft fees ( {$59.00} ) and the offer was declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
In accordance with FCRA 605B, I requested a block of information on my XXXX, TransUnion, and XXXX credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report XXXX XXXX XXXX and XXXX XXXX XXXX, detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( previously determined to be fraud in XXXX XXXX ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XXXX 6, XXXX via XXXX XXXX XXXX with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, Citicard account determined to be fraudulent and removed from my credit report in XXXX XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.

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 2017-11-11 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: UT

Complaint narrative:
In accordance with FCRA 605B, I requested a block of information on my XXXX XXXX and Equifax credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report ( XX/XX/XXXX and XX/XX/XXXX ), detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( previously determined to be fraud in XX/XX/XXXX ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XX/XX/XXXX via USPS Flat Rate with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, XXXX account determined to be fraudulent and removed from my credit report in XX/XX/XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: Ditech Financial LLC
State: AZ

Complaint narrative:
Hello, My Bankruptcy included my home in XXXX WI that is now serviced by Ditech. My Bankruptcy was discharged in 2015 and has always shown as discharged under bankruptcy however they are now reporting that I owe and the account it open showing amount due, days late etc. I never reaffirmed the loan and under the Fair Credit Reporting Act they are falsely reporting and this is a legal liability on Ditech 's part. I appreciate your assistance as this is causing a serious issue for me with my credit that I have worked so hard to rebuild since the losses of divorce and bankruptcy. I was on hold with Ditech over two hours and they did not take my call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation