vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nations Star responded to our complaint to simply close a pending/complaint and any investigations. Stated in the response was there are no tax collection letters going out. Mr. and or Ms . I hold two in my hand from Nations Star! You people attempt to cover your errors like small children. A previous CSR read to me the notes on the account that the representative did not try and force us to except the modification, then stated we did not and the modification was closed. Now are you trying to tell us none of this happen and their aren't any notes that supports this??? 

Payment confirmation # XXXX : {$1100.00} XX/XX/2018. XX/XX/2018 payment as been made and cleared

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have tried repeatedly although unsuccessful to remove multiple inquiries from my credit report with all 3 credit bureaus multiple inquiries in a certain timeframe should only count as 1 inquiry. Each bureau refuses to remove the inquiries from my report which is affecting my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have tried repeatedly although unsuccessful to remove multiple inquiries from my credit report with all 3 credit bureaus multiple inquiries in a certain timeframe should only count as 1 inquiry. Each bureau refuses to remove the inquiries from my report which is affecting my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
HOLLOWAY CREDIT XXXX CALLS REPEATEDLY ALL DAY EVERY DAY HARASSING ME ABOUT A MEDICAL DEBT IT IS NOW SHOWING ON MY CREDIT REPORT AS DEROGATORY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX Service keeps calling and calls under different # 's continuously. 
XXXX called on XXXX, XXXX ; on XX/XX/2018 @ XXXX, XXXX, XXXX, XXXX : XX/XX/2018 @ XXXX, XXXX, XXXX, XXXX. They call at least 4 times a day. I believe it is Citibank because I missed one payment. 

Ridiculous. I also believe they call under these other numbers : XXXX, XXXX, which puts their calls at 12 a day. They are relentless!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
Incorrectly reporting of student loans being paid 1st through NJ Higher Education then went to debt collector, attorney XXXX XXXX back in XX/XX/2012 have been paying since but they are not reporting I have written to NJ Higher Education  previous to the attached letter twice but nothing happened. You will see by the correspondence what has gone on through the years. Yet everyone says nothing changed. Also to this day no-one will in turn send me what the balance was when the attorney received these accounts? Why? 

I am uploading the correspondence below for your review. Maybe you can help me. This is hurting my credit tremendously as it looks as though I have not been paying at all. 

Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I originally initiated disputes on XX/XX/18 via fax regarding bankruptcies ( chapXXXX-XX/XX/XXXX, chapXXXX-XX/XX/XXXX, chapXXXX-XX/XX/XXXX) listed on my credit report and the accuracy of the information with Transunion. The dates listed by all 3 bureaus and staus do not match each other and are incorrect. I did not receive a response until XX/XX/2018 dated XX/XX/2018 well beyond the 30 days allowed by the FCRA. I than faxed a validation of method used asking who reported the information and who they contacted to verify the accuracy of the information. I am not sure how they verified the information given the letter from the Bankruptcy Court stating they do not report nor verify information to or for the Credit Bureaus. I also have full security freezes at XXXX, XXXX, XXXX, and XXXX XXXX, all of which have been blocked from providing 3rd party reporting or inquiry of information. All letters of Security Freeze attached. This is a willful attempt at non compliance in violation of the FCRA. They now send me a letter dated XX/XX/18 stating a general method but not who reported the information and how. As I stated the Bankruptcy  Court say No reporting-no verifying and the 3rd party services have complete security freezes that tells me Transunion did not verify the information. I also spoke to a representaive XX/XX/XXXX asking why I had not received a response from my XX/XX/2018 and was told it was completed but they failed to send out the response which I believe was untruthful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I heard the company Navient was involved in a class action lawsuit. I originally had {$10000.00} in loans during my schooling at XXXX-XXXX from XX/XX/XXXX to XX/XX/XXXX. The amount of interest that has been charged makes it impossible for the loan to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
Navient was wanting XXXX payments per month with 9 % interest rate. That was their affordable payment, based on my XXXX a month income. They then offered me a lower monthly payment of XXXX with a 4 % interest for a limited time and said I might be able to opt into that program for an extended period of time, 6-8 months. In the extended time period my interested rate would be increased from the original amount of 4 %. The whole process is made for the borrow 's to never be able to erase the original debt. The school I took out the private loans for was sued by California Bureau for Private Postsecondary and Vocational Education and they won. The school, XXXX XXXX XXXX XXXX was misleading all of its students. It lied about the wages we would make post school, networking ability, attendance, etc. The school later closed down. I have told Navient of such actions the school did and there is no help because of that. They do not care about the issues, they only care about receiving their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching a copy of the investigation request I sent to Equifax on XX/XX/XXXX. They are supposed to respond within 30 days. Over 45 days have passed, and I have yet to receive my results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
account was refunded all money to me. year later about XX/XX/2009 they sent a bill. I sent copy of paper work that showed account was paid in full and closed.years later they send more bills. i send copy of paid in full paper work. they said sorry and yes you are paid in full. we will fix this problem for you. thanks for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM Financial wrote the debt off as a loss and they charged the account off. They failed to accurately report the balance owed to the credit bureaus which should be {$0.00}. I have reported this and disputed this a number of times to no avail. They acquired services from a law firm to procure the amount in full however they have already written the debt off as a loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
Incorrectly reporting of student loans being paid 1st through NJ Higher Education then went to debt collector, attorney XXXX XXXX back in XX/XX/2012 have been paying since but they are not reporting I have written to NJ Higher Education previous to the attached letter twice but nothing happened. You will see by the correspondence what has gone on through the years. Yet everyone says nothing changed. Also to this day no-one will in turn send me what the balance was when the attorney received these accounts? Why? 

I am uploading the correspondence below for your review. Maybe you can help me. This is hurting my credit tremendously as it looks as though I have not been paying at all. 

Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I C Systems INC is trying to collect a debt that is well past the statute of limitations. Original debt was for XXXX and was from XX/XX/2009

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: CITIBANK, N.A.
State: LA

Complaint narrative:
My credit report is showing a {$4800.00} balance for CBNA. We do not have a credit card for this company. I filed bankruptcy several years back and all of my credit card debts were dissolved. I have not opened or put purchases on this card. I have no idea what it is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/2017 for XXXX collection agentic XXXX XXXX no action was taking no repose from them or nothing I dispute the account with them and nothing I would like this account remove I never open a account with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
This is the second complaint for this Company XXXX XXXX XXXX XXXX.I reported and issue on XX/XX/2018 to CFPB on this account in question compliant ID 1XXXX.The results came back that they did not have the information need to add this account on to my credit report. It was closed on XX/XX/2018 stating they were going to remove it from the all 3 credit bureaus. It was removed from XXXX and XXXX but not XXXX. I did a dispute on XX/XX/2018 with XXXX they responded that XXXX XXXX XXXX XXXX states its a valid account. I don't understand how they can say on XX/XX/2018 that's its valid but on XX/XX/2018 they was going to remove it from all credit sites. It has passed the 60 days from XX/XX/2018 for the removal. I would like to get this account removed off my XXXX report ASAP.I feel due to the circumstances with this creditor, I should not have to wait any longer due to the issue should have be handled by now. 
NOTE : I had to DO 2 DISPUTES WITH XXXX  to get it removed after they replied to the CFPB stating it would be removed. 

CFBP COMPLIANT NUMBER : XXXX XXXX XXXX File Number : FILE NUMBER is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Lending Club Corp
State: NY

Complaint narrative:
I have a 25 % -35 % personal loan with Lending Club out of XXXX XXXX, Ca. I took out a loan in XX/XX/XXXX. I took out another loan in XX/XX/XXXX. I was unaware that the New York state law allowed only a 16 % interest rate or less on personal loans from financial institutions. I sent a written request to Lending Club and was told that they loaned me this amount based on what the federal government allows. No specific comment was given why they gave a rate much higher than what NY state allows. Please send me information on how I can proceed with this lender since it appears the company is operating without regard to usury laws in New York State. 
Referenced law in NY : https : //www.dfs.ny.gov/XXXX Note : Attachment only contains one loan image since Lending Club has blocked access to the other loan. Both loans are over 25 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the FCRA, a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2017 for XXXX collection agentic XXXX XXXX no action was taking no repose from them or nothing I dispute the account with them and nothing I would like this account remove I never open a account with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America granted a home equity loan on my property on XX/XX/XXXX with an appraisal and full underwriting requirements met. In XX/XX/XXXXthey notified me that the account would be blocked and they would only accept principal payments and interest. They would not re-advance any funds to the original loan amount. I had paid over {$8000.00} additional principal by XX/XX/XXXX ( I have paid and additional {$16000.00} since then ) and none of this I could use if ever I needed it. I was told I could get it re-instated if I provided comparable sales information to refute their claim of a value drop of 44 % in one year three months. Insurance, city assessed value, first mortgage holder, all have increased value or stayed the same. Now BOA say I can only be re-instated if I go through the entire underwriting process and have my rate increased. 
I went to another bank to replace the BOA Equity line and they agreed to loan it to me. My problem is that Bank of America says that because they had it in their original agreement with me that they want {$450.00} penalty to allow me to pay it off in total. I was never late on this or in any dealings with BOA, I have savings with them but even though they will not fulfill their obligation under the loan terms they expect me to have to pay a penalty. I think they should either waive the penalty or live up to the terms of the original loan. I have sent a letter to their executive relations department in North Carolina requesting this solution and I await their response. I spent over three hours with 6 of their customer service department, only to be told that nothing can be done because it's " policy of the bank ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disturbed that you XXXX  continues to list the following dismissed bankruptcies as confirmed within my credit file. 
Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, the credit agency must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 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:
I am writing to dispute the following information in my file XXXX XXXX The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX bank XXXX 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 explanation
Consumer complaint received 2018-07-27 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:
I am writing to dispute the following information in my file XXXX XXXX  The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX bank XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
On XX/XX/18 I was told by XXXX XXXX at XXXX XXXX XXXX  that I could trade in my vehicle & only bring in {$300.00}. Since I have a loan with them anyway & excellent payment history, it would be no problem to trade in my car. Once i got to the dealership, I was told because I have an upcoming court date - they were unable to approve me. I never received a letter of denial of credit. After several emails asking about the letter, I finally received a letter on XX/XX/2018. Reason for denial was unsatisfactory background? How can a subprime lender get away without disclosing they pull your background report & deny a trade in - which I got from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation