vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 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: NC

Complaint narrative:
XXXX, XXXX are still reporting outdated incorrect information regarding XXXX XXXX XXXX. I do hot have a balance with XXXX XXXX XXXX of any kind. The balance should be XXXX. XXXX has not reported any updates since 2014. This information needs to be fix to show my balance as XXXX or remove from my reports.

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 2017-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Tried on multiple occasions to contact company to verify charge-off balance. 
On XXXX XXXX, XXXX mailed first certified letter to verify account and account balance, no reply from company. On XXXX XXXX, XXXX XXXX certified letter mailed to company, still no reply from the company this letter was in regards to a XXXX XXXX XXXX. Yesterday, called spoke with customer service department and was instructed by agent someone would contact me by the close of business on Thursday, XXXX XXXX, XXXX. No one has called. I am asking that this be removed from all of my credit reports, due to the fact this company can not return answers from either mail or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My wife, XXXX XXXX XXXX, has an account with American Express Bank, FSB ( acct # XXXX ) for which I, XXXX XXXX XXXX was designated as P.O.D. Beneficiary. XXXX XXXX XXXX from XXXX XXXX on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I called American Express Bank, FSB to report XXXX ' ; XXXX XXXX. I spoke with XXXX who told me to mail and/or fax a copy of the XXXX XXXX and a letter of instruction. The fax did not answer, so I mailed the XXXX XXXX and letter of instruction. XXXX informed me that it would take 7 to 10 days to process my request. On XXXX XXXX, XXXX, I placed a follow-up call to American Express Bank, FSB and spoke with XXXX who informed me that I would be receiving an Affidavit of Identity that I would need to take to my local bank, sign, and have notarized. XXXX again informed me that it would take 7 to 10 days to process my request. On XXXX XXXX, XXXX I sent American Express Bank, FSB the Notarized Affidavit of Identity with another letter of instruction. On XXXX XXXX, XXXX, I called American Express Bank FSB to follow up on this matter. I spoke with XXXX who informed me that it would take 7 to 10 days to process my request. ( it had been 17 days since I mailed the last letter. It is now XXXX XXXX, XXXX and I still have not received my Money. I am enclosing 14 documents outlining my travails. They are : 1, 2, 3 - American Express Bank, FSB statement of XXXX XXXX, XXXX, 4 - My notes from the XXXX conversation with XXXX, 5 - a copy of the failed fax report, 6 - a copy of my letter of instruction of XXXX, 7 -  My notes from the XXXX conversation with XXXX, 8 - A copy of a letter I received from American Express Bank, FSB, 9 - a copy of my letter of instruciton of XXXX, 10 - a copy of the Signed and Notarized Affidavit of Identity, 11 - My notes from the XXXX conversation with XXXX, 12, 13, 14 - American Express Bank, FSB statement of XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX does payday and installment loans under " XXXX XXXX XXXX ''. Every time you borrow money from them they go into your credit report even if you pay on time or have never had any problems with them they will put a new inquiry on your credit report. For example I just recently borrowed money from them and my loan will become due in three weeks they put an inquiry on my credit report the same day. In fact they will not let you get a loan or refinance a small loan without going into your credit report. They do it every single time you get any money with them big or small. 

They are unethical and ruthless with their practices. Do not use they 're services you will regret it when you see how many times they will put an inquiry on your 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
Consumer complaint received 2017-09-06 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I contacted XXXX XXXX before it was Navient and I was placed on a long deferment due to a XXXX  XXXX marriage I was living in. I had to stop school in XX/XX/2011 out of fear of my husband locating me. I was placed on deferments. On my credit report I have 60 days late 90 days late and 120 days late around the time if my deferment. Now I 'm on a deferment and the balance is still going up. I would like to have these late payments deleted due to being on a deferment st that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: TN

Complaint narrative:
I have contacted XXXX XXXX XXXX ( XXXX XXXX XXXX ) regarding this paid collection that is on my credit report. However they still refuse to remove this paid account from my XXXX credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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:
I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, Ninth Circuit, No. XXXX. ( XXXX vs. XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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:
I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards

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 2017-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC
State: FL

Complaint narrative:
They keep calling my work number which is not allowed by my employer. Not sure what debt they are trying to collect as they have not sent me a letter. Call several times a day on multiple phone lines at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: OR

Complaint narrative:
XXXX XXXX DISPUTES ONLINE ARE A WASTE OF TIME AN NEVER ALLOWS ME TO FILE, CONTINUES TO LIST INCORRECT/ PREVIOUS DISPUTED INFORMATION ON FILE, SAME RESPONSE OF VERIFIED BY CREDITOR, GIVEN WHEN I HAVE NOT SEEN ANY OF THE DOCUMENTS THEY USE TO COME TO THE CONCLUSION OF VERIFIED AS MINE. NOT ONE SINGLE CREDIT REPORT IS CONSISTANT OR MATCH THE OTHER CREDIT REPORTING AGENCIES ( 2 ; TRANSUNION, 3 ; XXXX ) OUT OF DATE, INCORRECT, AND UNFAIRLY REPORTING IS ALL TOO FREQUENT AND COMMON AND HAS CAUSED ME VERY MUCH GREIF, STRESS, TIMELOSS, LOSS OF EMPLOYMENT AND FUTURE PROSPECTS OF EMPLOYMENT DUE TO THE NEGLEGENT, UNFAIR, INCORRECT, AND PLAIN LAZINESS AND DISREGARDS OF MY RIGHTS AS A HUMAN, EMPLOYEE AND CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: TX

Complaint narrative:
I have been paying on this loan for the past 8 years ( since 2009 ) and the balance has actually increased to more than what I borrowed due to the outrageous interest. I have paid more than $ 13k and the loan balance has only risen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery keeps copying and pasting a generic response and will not address my issue. This is a fraudulent tradeline on my credit report! They have failed to provide validation of this so called debit to " XXXX. '' It has been beyond 30 days and they are infringing on my rights per the FCRA. I will go the State Attorney and file a lawsuit. Remove this fraudulent tradeline from my report ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a Capital OneXXXX XXXX XXXX account. It shows a late payment on this account that is NOT correct. I have disputed this with the credit bureaus and also with Capital One directly. They claimed they investigated this and they are reporting correct information. There is NO way this is true. 
It was paid off and the last payment made was in XXXX of 2016. I was told this on the phone with CapiTAL one and then it shows this on my credit report. Some how they then claim I made a late payment 2 months after this account was paid off. This is impossible to have occurred. I tried to tell them this over the phone and they refused to speak with me about it over the phone. They said that I had to send a letter to their dispute center. I did so and explained there was no way this could have happened and it has STILL NOT BEEN CORRECTED. 
I tried to explain this to the credit bureaus and to Capital One and they have refused to change this and they have left me with no options to get this corrected. What they claim is not possible and I have no documentation to support this because there were NO PAYMENTS DUE after XXXX of 2016.  XXXX  accused me of being a liar, and that was supposedly a manager of XXXX. 

I am very frustrated because this account is causing me great harm and has been for a while now. I want this account removed now! I would also like something to be put in place to help others in this situation. There needs to be an easier way to resolve these types of situations without having to file complaints to get someone to listen to you. I have spent hours of my time and money arguing this with them and this is COMMON SENSE! It is NOT Possible to have made a late payment 2 months after he account was paid off and the last payment was made. There is NO WAY ANYONE INVESTIGATED THIS because if they had, they too would have realized this is a false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: NC

Complaint narrative:
I contacted XXXX XXXX before it was XXXX and I was placed on a long deferment due to a XXXX XXXX XXXX I was living in. I had to stop school in XXXX out of fear of XXXX XXXX locating me. I was placed on deferments. On my credit report I have 60 days late 90 days late and 120 days late around the time if my deferment. Now I 'm on a deferment and the balance is still going up. I would like to have these late payments deleted due to being on a deferment st that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH

Complaint narrative:
threaten me with arrest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I have never had any contact with this business. I do not owe this company, never had a signed contract with them. this is on my credit report in violation of 15 U.S.C. 1681. XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. I never received any documentation for the said debt. I am entitled to all documents in regards to this debt before it is reported. my rights were infringed and this needs to be removed as it is not validated and fraudulent. I will contact the state attorney if this is not removed! Please remove this fraudulent trade from all CRAs

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 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Around XX/XX/XXXX I mailed a request to Experian to remove the fraud alert, extended fraud alert, security freeze, and promotional blocking from my credit file. After not receiving a response I filed case XXXX with the CFPB. Experian responded that the freeze was removed ; and it appeared the fraud alert was removed at that time as well. 

Experian has reinserted the fraud alert, extended fraud alert, and promotional blocking to my file without my consent.

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 2017-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My employer had attempted to direct deposit funds {$1200.00} on my account at Regions bank on Friday XX/XX/XXXX and my daughter had attempted to transfer funds {$20.00} to the same Regions account on XX/XX/XXXX. After calling Regions customer service on Saturday morning no one informed me that the account had been closed due to lack of activity. I have gone the last 5 day speaking with at least 7 different representatives at Regions customer service and none of them informed me that the account had been closed and the funds had been rejected and sent back to the perspective payers. I visited a Regions location in XXXX XXXX and spoke to the Branch manager who finally informed me that the account was closed but had multiple documentation that the account was closed and I would have to go into a branch to discuss the situation yet none of the previous individuals that I talked to informed me of that nor did I receive an email, phone call or parcel indicating I needed to do so. Now my employer has to receive the denial of funds from Regions which may take 2-3 additional business days as well as my employer will take 5-7 business after receipt of denial of funds to reissue me another check. This has put me in an absolutely devastating situation where as I and my family may be evicted from iour home, my car repossessed and loss of emplyment because I ca n't get to work. This is of no fault of my own because had I know I would have taken the appropriate steps to prevent this from occurring. Now I am at a point of shear desperation as to where my family and I may have to find a place to live and obtain another means of transportation and possibly employment after only in the last 30 days gaining fulltime employment. I am in need of immediate compensation to prevent me and my family loosing everything and having to start over again.

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 2017-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
Money orders were stolen from our office in XX/XX/XXXX. I contacted Western Union customer care and was directed to file an online Payee Affidavit for each stolen money order and submit it through the mail which I did. After calling Western Union several times I have yet to receive an answer as of XX/XX/XXXX as to the status of my stolen money orders totaling more than {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I pay for XXXX XXXX XXXX through Experian and when I pull my report i get a XXXX score, then I go to buy a car and the dealer pulls the same Credit report from Experian and they get a XXXX score. The information belongs to us and I am paying for the service just as the car dealer, but they get a report with a credit score about 100 points higher. Why should I not get the same score.

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 2017-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was late making payments and was receiving multiple calls a day from Navient. I finally got on the phone with them and informed them that I can not make payments at this time and am in the process of filing bankruptcy as I am unable to keep up with my debts. The representative said " ok, when are you filing? ". I indicated that I would file in XX/XX/XXXX ( we spoke in XX/XX/XXXX ) and she responded by saying " we can put your loans in forbearance until XX/XX/XXXXand then you will have to send us proof of the bankruptcy ''.
This forbearance period continues to tack on interest to my loans and in the 5 years since I XXXX and have been making payments in good faith, I have not made any impact on the overall amount of my loans because of these interest charges during times that I am unable to pay.

Company response to consumer: Closed with explanation