vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Receive this loan through information online and over the telephone. Was told my payment would be a certain amount ( under {$200.00} ) and when the monthly payment was due, the amount was twice as much ( {$460.00} ) as the guy told me on the phone ...

I borrowed {$2500.00} and with in four months The loan has ballooned to {$8100.00} ... I was misinformed, the statements that are sent to my house are inconsistent with the online account balance, when you call the customer service reps, they talk in circles and use language and jargon the average person cant understand ...

This Company is out to manipulate and steal peoples money. They are vultures

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My wife and I are in the process of buying a home. We do not have access to our credit scores ( yes, our credit reports, but not the scores, which are the only things that matter ). That should not be allowed. The bank shouldn't be able to hold my credit score against me and then nobody in the world can tell me how to increase my score. The American people never gave their consent, nor did the American government ever pass a law that allowed the credit reporting bureaus to have unfettered control over Americans ' financial lives. 

My specific problem is that the free annual credit report online constantly crashes. When this occurs, the taxpayer is no longer allowed to access a free annual credit report because the website shows they've already accessed the report. One then goes to each bureau 's website to specifically dispute incorrect information. 

In my case, two our of three websites did not work. XXXX XXXX website crashed in XXXX XXXX, so I had to go to XXXX and re-submit all the information for about 12 disputed items. When I finally submitted the dispute request, I received a message that I'd disputed an item that was no longer on my credit report. How can that be? I was disputing items that showed from my credit report IN THEIR SYSTEM! 

In the case of equifax, I logged in and confirmed my identity. I then disputed the same 12 or so items that were incorrectly reported on XXXX XXXX report. The Equifax system then crashed when I clicked submit. It has now been down for several hours. 

I have spent 4 hours trying to dispute patently false information on my credit report after working a 14 hour day at a XXXX XXXX during busy season. 

The fact that American citizens are forced to negotiate / navigate the largest personal financial decisions of their lives, whether that be the purchase of a car or a home, without full disclosure of all the information used against them is UNCONSCIONABLE! The CFPB should make credit reporting transparency and the reform of the credit reporting system their number 1 priority! No issue in the modern American landscape of personal finance has a bigger impact on the average American, and there is no other factor relative to people 's financial lives over which they have LESS understanding or control. In summary, CFPB should PROTECT AMERICANS as they approach the largest and most important financial transactions of their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: TX

Complaint narrative:
To whom this may concern, I contacted Experian dispute hotline at XXXX to dispute inquiries on My report that I did not authorize. I was told by the customer service agent I spoke with that they are unable to remove unauthorized inquiries without the company consent. I then attempted to contact the companies by using the contact numbers listed on my report and was told I have to contact Experian directly. I proceeded to contact Experian AGAIN at same number listed above and was denied the ability to remove the unauthorized inquiries again. I have run out of available resources to resolve the matter and am highly dissatisfied. Response received from experian states " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The report number is listed on the attachment please see for details. I was never provided a dispute number for inquiries.

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 2018-01-31 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: NY

Complaint narrative:
Hello, I've been in contact with transunion over the past couple of months via phone numerous times ... .Everytime I call I get someone who barely speaks english and can never get anyone who I can fully understand what theyre saying nor can they understand what im saying ... After numerous conversations about the errors they have reporting on my credit file I was finally able to understand them directing me to goto their websites ... .I went on there and disputed the incorrect items on my credit report on their website and after not only WOULDNT the dispute not go through but it also delivered me error messages that said the accounts werent reporting on my file, ... .how is this possible? I've become so stressed out I dont know what to do ... I have also attched a copy of the screen shot of the website ... PLEASE CAN SOMEONE HELP ME?

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 2018-01-31 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:
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}

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 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Carrington bought my mortgage from XXXX  in the middle of XXXX taking my trial payments to modify my loan. Carrington claimed they didnt receive any paperwork they needed and had a nasty bill collector call and harass that the house was being taken and when would we be out of the house. My daughter called the bank and made a balloon payment to bring it up to date and we are late again. Same man started calling and even called me at XXXX. I am having my daughter cal Carrington directly but I no longer want their debt collectors calling me, only carrington directly. They also had someone come out to do residency verification, the previous people employed by XXXX   were more professional, the gentleman in question stepped onto my property without permission, engaged in a verbal dispute with my son-in-law stating that the bank owns the property and he did not have to talk to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
UKNOWN ACCOUNT WAS OPENED ON XX/XX/2015 IN THE AMOUNT OF {$290.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX reported on my account 3 times for the same information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: AES/PHEAA
State: TN

Complaint narrative:
I never attended college in XX/XX/2014 so I do not understand these late payments. I never received any bills or statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I have hard inquiries on my credit report and I want them to remove it

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 2018-01-31 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: CA

Complaint narrative:
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX   XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}

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 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX   XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: OH

Complaint narrative:
Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: NC

Complaint narrative:
AN ACCOUNT UKNOWN HAS BEEN POSTED TO MY ACCOUNT ORIGINATING FROM XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FROM CREDIT PROTECTION.

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 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: VA

Complaint narrative:
This collector has called me and made an assertion that I owe a debt, I have no knowledge of.  Now they have obtained my email address and stated the following:Who knows whats next.............Re: XXXXI'm sending this email to discuss an existing commercial business matter.Please call me for further details.Thank You,XXXX XXXXMcCarthy Burgess & WolffXXXX ext XXXXXXXX faxemail: XXXXThis is an attempt to collect a debt by a debt collector.  Any information obtained will be used for that purpose.If you do not wish to receive email messages from McCarthy, Burgess & Wolff, please reply to this email and change the subject line to "Unsubscribe."XX/XX/2018 XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I never attended college in XX/XX/XXXX so I do not understand these late payments. I never received any bills or statements.

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 2018-01-31 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I never attended college in XX/XX/XXXXso I do not understand these late payments. I never received any bills or statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I never attended college in XX/XX/XXXX so I do not understand these late payments. I never received any bills or statements.

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 2018-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I contacted the XXXX  onXX/XX/XXXX and on the XXXX   or theXX/XX/XXXXto dispute incorrect information on my account.  I received a letter from them that was dated on the XX/XX/XXXX after an agent said he would look into the issue. The letter stated that the information that they reported to my credit report was correct although none of my loans were 60 days late. I then contacted XXXX  twice after, and to no avail.  I was making payments every week, so the loan never had to time to be 60 days delinquent as it was paid before the next month.  Might I add, you can see a copy of my payment information on the XXXX  website.Also, this was never reported on my credit during the months in question, nor was this information reported in the months immediately followingXX/XX/XXXX  I received information in the month ofXX/XX/XXXX, that this was and had been reported to the credit bureaus that month. Also, a letter will be sent on XX/XX/XXXX that contains this 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
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lyons, Doughty & Veldhuis, PC
State: OH

Complaint narrative:
whom it may concern : A notice of execution was placed on me. Im getting harassing letters and phone calls about what I allegedly owe through the company XXXX XXXX, XXXX. I have spoken to this company and multiple times and have asked for proper debt validation, which is allowed by Revised Code 1319.12, 1321.01,1321.51,1321.71 and 4767.031 laws and have been denied.

Today I was given information to contacted the law firm Lyons, Doughty, Veldhuis, P.C. ( XXXX XXXX XXXX ) and XXXX XXXX XXXX ) formally XXXX XXXX XXXX. I spoke to several associates XXXX, XXXX and their New Jersey Associate XXXX XXXX in an attempted to ask for proper debt validation. I was transferred several times and placed on hold. I shared with XXXX that the account had been closed and two cases have been filed under this collection agency. XXXX informed me that I could not receive any documentation and I should contact XXXX XXXX. I did as instructed only to have my call be redirected back to the law firm using the same number provided. Once asked why the call was redirected, XXXX explained to me that all XXXX XXXX calls are forwarded to Lyons, Doughty, and Veldhuis to prevent debtors to call seeking information. This comment caused concern and it was under my impression that the law firm and XXXX XXXX may be the same entity. However, I repeatedly asked for documentation to include 1 ) who transferred title of ownership on debt ; 2 ) who was the trustee ; 3 ) who has the certificate of notice/default. I also asked for a legible copy of judgment. The conversation was unpleasant and I was told that the law firm does not have a copy of the transferred Title of Ownership. 
The associate XXXX XXXX consistently attempted to discuss the debt and whether I would make restitution. He then responded back that they will send me what ever they have and stated that the time has lapsed to receive this validation when I stated to him I had the right to this info he kept repeating the statement they going to send what ever they had and I had no right to this validation request because time has lapsed. I stated I had the right to this info and he disconnected the call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: ID

Complaint narrative:
My original student loan was through XXXX XXXX in 2006. At some point it went to Navient. I have had several different payment plans with them to pay this never ending loan. I have paid way more than what the original loan amount was. On my credit report it shows up as several loans and several different charge offs. My most recent payment was set up as $XXXX/ month with no interest until the final $XXXX was paid off. I recently received a call from Navient saying I haven’t paid in forever and they need to set up another payment or pay in full. The lady on the phone was unreasonable and would not answer any of my questions.

Company response to consumer: Closed with explanation