vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC
State: PA

Complaint narrative:
I was contacted in regards to this debt that is clearly listed in my credit report as a result of identity theft. Every time I clear it up it gets sold to anther company and they typically look at the notes and see all of the documentation and remove it. When I explained it to the debt collector, XXXX XXXX from XXXX, he told me that I could dispute it with the credit reporting agencies but that they are not like all of the others and they would not just remove it. He said that I had to do a police report, which I already have several, but that they had to prove it wasn't me through detectives/handwriting analysis, etc. I went and filed another police report and that was the extent of it. They do not utilize their resources in the manner that XXXX is requiring. When we were on the phone, I was upset because I knew that they wouldn't he threatened to hang up and send it to collections and tag my report anyway. The documentation that he sent me regarding this fraudulent account even had an alert stating that there was a substantial difference found between the inquiry address and the existing file address. In addition to that, there is no social security number listed nor confirmed on this application and XXXX was not my last name at the time of this application. The fraudulent account was opened in Texas. I have lived in the state of Pennsylvania my entire life. The account was opened with a temporary check as a deposit. There is nothing linking this account to me. I explained all of this to him and also asked him to review all of the notes, alerts, statements, and even a freeze on my credit account but he refused. Now it is back on my credit report and has dropped my 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 2019-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
After recently requesting a " verification of debt '' from Navient due to my account balances appearing to be extended, larger amounts due, and more loans than what I had on file, I received two loan applications and promissory notes. I pay on 3 loans every month to Navient that seen to never decrease in balances and the interest rates are up to 12 % when my records show much lower interest rates. I'm struggling paying these loans due to my financial planning was supposed to have them paid for by now but the loans keep increasing with different balances etc. 

I have loan documents from XXXX and XXXX to include 2 loans one for XXXX and one for XXXX. I'm not understanding where I owe 3 loans according to my account with Navient, 1 at XXXX, 1 at XXXX, and another at XXXX. After paying on these loans with Navient since XXXX I admit I have been confused and not able to track all my school loans and have just been paying what ever is asked of me. Recently after counting up the payments and years of payments it sparked a concern that my Navient loans were not correct and then I found many discrepancies. 

I would appreciate any assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: TN

Complaint narrative:
I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on ). Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest credit services is reporting a collection account for XXXX XXXX XXXX   XXXX XXXX. It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
After i filed a complaint on XX/XX/2019, credit acceptance Called my work llace on XX/XX/XXXX and XX/XX/XXXX. Isnt it illegal to contact consumer at their work place?

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 2019-06-26 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: TN

Complaint narrative:
I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

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 2019-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XX/XX/XXXX is reporting a collection account for XXXX XXXX XXXX  XXXX CA.  It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XX/XX/XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on 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 2019-06-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account for XXXX XXXX of XXXX CA. It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on 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 2019-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: KY

Complaint narrative:
Since XX/XX/XXXX weve been having problems with our mortgage company saying that we are a month behind on our payments, Ive been making double payments every month and according to my credit report there saying that I havent been making any payments.When I went on the website because I dont receive any monthly statements I noticed a lot of our payments have been going to escrow but it doesnt brake it down as to what and back in XX/XX/XXXX when our mortgage company changed from XXXX to Lake view we never received anything in the mail about the change until a bill came stating that our payment was late.Whenever we call to speak with someone were on hold for hours and a couple of times when Ive called to make a payment they tell me that unless I make a double payment I cant make a payment they wont except it.We are trying to refinance through another company right now and because of the credit report bringing me score down Im not able to get out from under 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 2019-06-26 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: TN

Complaint narrative:
I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

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 2019-06-26 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: TN

Complaint narrative:
I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied for a Government Small Business Loan through XXXX XXXX on XX/XX/XXXX I was denied because I had issues with my credit report, three negative items were affecting my score, I called these 3 creditors they provided me with paid in full letters and I dispute the 3 accounts with the 3 credit bureaus ( XXXX, Equifax and XXXX ), finally on XX/XX/XXXXthese 3 accounts were deleted form XXXX Credit Report, I went to XXXX XXXX again on XX/XX/XXXX with the XXXX   credit report sent by this credit report bureau by regular mail with all the disputes resolved. These 3 accounts were removed and deleted from XXXX Credit Report however from XXXX and Equifax I am still in dispute with them with the same accounts, my company fullfilled all the requirements and the Bank didn't even consider that XXXX credit report was accurate, the bank denied the loan because the issue was not resolved with the other credit bureaus XXXX and Equifax knowing that these accounts were the same ones deleted from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I applied for a Government Small Business Loan through XXXX XXXX on XX/XX/2018 I was denied because I had issues with my credit report, three negative items were affecting my score, I called these 3 creditors they provided me with paid in full letters and I dispute the 3 accounts with the 3 credit bureaus ( Experian, XXXX and XXXX ), finally on XXXX XXXX these 3 accounts were deleted form XXXX Credit Report, I went to XXXX XXXX again on XX/XX/XXXX with the XXXX credit report sent by this credit report bureau by regular mail with all the disputes resolved. These 3 accounts were removed and deleted from XXXX Credit Report however from Experian and XXXX I am still in dispute with them with the same accounts, my company fullfilled all the requirements and the Bank didn't even consider that XXXX credit report was accurate, the bank denied the loan because the issue was not resolved with the other credit bureaus Experian and XXXX knowing that these accounts were the same ones deleted from 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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am having some issues with addresses on my file that are not accurate. My XXXX XXXX. XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/1963, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am having some issues with addresses on my file that are not accurate. My XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/1963, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: TN

Complaint narrative:
. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. TransUnion deleted the account and then placed it back on ). TransUnion has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

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 2019-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My truck was reposseed on XX/XX/2019 i never got any default notice or phone call the came and took it and left plates and sold it in 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX defaulted on my American Expresss Charge Card with a balance for {$24000.00} due to unforeseen family circumstance. I Contacted American Express to work out agreement before default to turn the account into a revolving credit card due to my other account with them and excellent payment history. If approved I would have been able to pay card the off without any default in a timely manner. They rejected the proposal so in turn creating a default. There was a special feature on the account that was at the time called Pay Over Time which allowed some balance to be carried forward. I was able to pay the account completely off however American Express placed on my credit report with the three Credit Bureau 's XXXX XXXX, XXXX, and XXXX Paid Charge Off in turn lowering my credit report by thirty points and stays on the report until XX/XX/XXXX. I would accept this whole process due to the fact we had an agrement on the terms of this credit card. However on XX/XX/XXXX American Express sent me a check for {$2700.00} apologizing for incorrectly charging interest on the Pay Over Time feature on the account. So I imediately reached out to American Express to let them know that this is not a simple step to reiumburse the interest, they also have to remove the deragotory reporting from the credit bureau 's because technical how can there be a default if you don't know whats owed and being over billed. Currently there has not been a resolve to the removal at the time of writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: TN

Complaint narrative:
Equifax ; XXXX and XXXX  are failing to report correctly the positive items on my credit report. ( Please see the attached spreadsheet of accounts and account numbers of tradeline items which need to report all months, not just some months, of payment history. ) I have also attached a copy of my credit report for reference. By failing to report positive credit history is hurting my credit score. Please update these accounts to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: KEYCORP
State: CT

Complaint narrative:
On XX/XX/2019 I tried paying my flood insurance by electric check. THE XXXX XXXX   TOLD ME THAT Keybank paid the fee already on XX/XX/2019 and the payment was not due until XX/XX/XXXX which resulted in my mortgage being increased from {$1000.00} to present monthly amount of {$1100.00}. KEYBANK INFORMED ME TO PAY THE FLOOD INSURANCE MYSELF WHICH I DID FOR THE ENTIRE YEAR.The Bank was deducting {$38.00}. I tried to pay my flood insurance XX/XX/XXXX and XXXX informed me that the flood insurance was paid by Keybank. Then I found out that the Keybank was charging me a monthly fee for the flood insurance. ( see letter from KEYBANK ) .Keybank blocked me from paying my flood insurance on time. 
My complaint is that the bank had no right of paying my flood insurance on XX/XX/XXXXXX/XX/XXXX without my knowledge. When I called to pay my flood insurance I was told the bank paid it and then raised my loan amount. I went to see XXXX XXXX Vice President on XX/XX/XXXXand XXXX XXXX Branch Manager previously and XXXX informed me that he would take care of the problem but he didn't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-26 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: TN

Complaint narrative:
XXXX  ; Experian and XXXX  are failing to report correctly the positive items on my credit report. ( Please see the attached spreadsheet of accounts and account numbers of tradeline items which need to report all months, not just some months, of payment history. ) I have also attached a copy of my credit report for reference. By failing to report positive credit history is hurting my credit score. Please update these accounts to report accurate information.

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