vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
Experian is VERY difficult to deal with. The temporary unfreeze option at https : //www.experian.com/XXXX DO NOT WORK. I was forced to go through Experian XXXX in order to unlock it. But once I unlocked it, it's requiring me to pay money to lock it again. 

I have tried calling them at their listed #, XXXX, but no matter what options I choose, I can not get to a human being and the system hangs up on me. It's very frustrating. 

Experian is holding me hostage, trying to make me pay to freeze my report 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 2019-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CIT BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I recently responded to a advertisement for financing for a used commercial truck from XXXX XXXX sales in XXXX, OH. The advertised financing offer was as low as 5.99 % APR. The requirements listed was a FICO score of at least 720 and at least 2 years in business. I met and exceeded the requirement for the loan and yet was denied. My FICO score is above XXXX. I have no adverse credit issues on my credit report. I own my own home. I have been in business nearly 5 years. I have more than 3 or 4 times the required down payment. And I have t least 3 tradelines associated with my business. All in excellent standing. I feel that discriminatory business practices have been used against me and my company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: NC

Complaint narrative:
Equifax, XXXX and XXXX XXXX are reporting inaccurate information on my credit report. Someone has used my personal and private information to obtain credit.  XXXX XXXX XXXX/ XXXX. Opened, XXXX XXXX, 2017 collection account XXXX.  XXXX XXXX/XXXX XXXX, opened XXXX XXXX, 2017 collection account XXXX.  XXXX XXXX XXXX/XXXX XXXX, opened XXXX XXXX, 2017 collection account.  I have never had any account with these companies and this information has been placed on my credit without  any proof or validity.  
§ 609. Disclosures to consumers [15 U.S.C. § 1681g]
(a) Information on file; sources; report recipients. Every consumer reporting agency shall, upon request,
and subject to 610(a)(1) [§ 1681h], clearly and accurately disclose to the consumer:
(1) All information in the consumer's file at the time of the request, except that nothing in this
paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any
information concerning credit scores or any other risk scores or predictors relating to the consumer.
(2) The sources of the information; except that the sources of information acquired solely for use in
preparing an investigative consumer report and actually used for no other purpose need not be
disclosed: Provided, That in the event an action is brought under this title, such sources shall be
available to the plaintiff under appropriate discovery procedures in the court in which the action is
brought.
(3) (A) Identification of each person (including each end-user identified under section 607(e)(1)
The credit bureau refuse to respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I am writing this complaint in regards to Lendmark Financial. Lendmark completely violated my privacy by contacting one of my references, and telling that person personal information about my account status. Lendmark didnt even try to contact me or myself, who are both on the account. This is absolutely unacceptable and should have NEVER happened. 
Furthermore, I have already told this company that Im in the process of filing bankruptcy. 

Ive attached the text message received from thw reference that lendmark contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
Made purchase using XXXX XXXX  prepaid visa card to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Californa XXXX. Control for sauna heater, the part was defective and never worked. Contact the XXXX   XXXX about problem and they gave me a return authorized number.I paid to ship the part back. XXXX XXXX never refunded my my and made many calls and leave messages no return call. So disputed the invoice XXXX and confirmed with tracking they receive the part back. Disputed the claim with XXXX XXXX CARD Incomm Inc XXXX. XXXX XXXX XXXX Georga XXXX Certified mail. After a few months INCOMM Inc that XXXX XXXX INVOICE TOTAL XXXX NON REFUNDABLE {$27.00}, {$51.00} 30 % RESTOCKING FEE {$110.00} TOTAL AMOUNT DUE XXXX XXXX mail me a the balance on the card in check in roughly {$3.00} left Closed the account and said I had to deal the vender myself.After back and forth with prepaid Card XXXX XXXX   XXXX XXXX XXXX still have no refund and XXXX XXXX   closed the case. Not even the amount that was stated in the paper of refund from XXXX XXXX, XXXX out of the money to return shipping on the part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/XXXX  ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX XXXX {$2500.00} not mine INQUIRIES XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX : XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Last month I received a statement stating I was late, behind in payments. I called and they had applied a payment to principle. It took a couple days but it had gotten fixed. well I thought it did. They took my next payment and applied it to that month. I have called 4 times now trying to get this fixed. I have even had a supervisor call me back it was supposed to be fixed by XX/XX/XXXX. It has not been fixed. When I call I'm on hold for over an hour. Which is not expectable especially when I have a job and cant afford to be off the clock for an hour. I have sent them support messages and have not received contact back in regards to this. They need to take my payment from the principle and apply it to XX/XX/XXXX's payment. I'm really worried they wont fix this and it's going to report to my credit I'm late. WE ARE NO LATE. Every time we call they say will fix it. Give us a couple days. I want it fixed now it has been over 20 days now that I have called 3 times this month. Currently I'm still on hold it's been one hour and 21 minutes.

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 2019-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient : My 'Original Balance ' date shows on Navient 's site as XX/XX/2003 with a total balance then for two Direct Fed loans of {$71000.00}. Since then I've obtained one or more deferments but the navient site provides little to no info about what interest they charged me during those periods. It's Loan Balance section also does not show 'loan balance ' numbers after each payment is applied. Navient 's records show I've paid a total of approximately {$14000.00} toward my loan account since I've been serviced by Navient, but only about {$2400.00} of that has been applied to Principle while about {$11000.00} has been applied to Interest. I have also been making overpayments monthly for some time now and Navient appears to be applying overpayments also to Interest rather than to Principle. Its site shows my original balance with them was, as noted above, {$71000.00}, but that my current balance is today at {$70000.00}, after all these years and all payments made!!! My balance seems to be going up rather than down, and the interest charged in forebearance/deferments must have impacted this but I can't tell. How could I possibly have paid {$14000.00} or more toward the loans and only have a loan reduction net of only {$370.00} ( $ XXXX $ XXXX {$370.00} ) with a 4.750 fixed interest rate??? I can't keep affording payments toward loan balances that never go down and my payment plan is one set to actually be substantially INcreasing as years pass, not decreasing. If I stop paying, though, I will be penalized even further. 
Help! Thank you! XXXX XXXX XXXX XXXX , Colorado , age XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is still reporting me to the credit bureaus agency on missed late payments over 120 late. I have filled a dispute many times due to fraud and the reporting agency witch is Bank of America has agreed to delete and remove the account and any remarks they have reported, unfortunately they are still reporting me and its affecting my credit report with all 3 credit bureaus and I would like it all to be reviewed and removed. Thank you for your time and your patience have great day

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 2019-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I consolidated my loans in XX/XX/XXXX. I had made payments of {$320.00} per month from XX/XX/XXXXto XX/XX/XXXXwhich totaled approximately {$46000.00}. My original loan was {$40000.00}. In XX/XX/XXXXI called Navient and asked why my principle had not been paid down after 12 years. They were not able to provide me with information that made sense. I was frustrated and told them that I wanted to change service providers. They told me I would have to consolidate again in order to change service providers. I had just lost my job and was feeling overwhelmed. I consolidated again, losing {$46000.00} paid in interest. Then I received a letter stating that after my consolidation Navient was again assigned as my loan servicer. I called and asked how that could be legal and the representative laughed and said, " Well, it is ''. I have continued to make payments of {$320.00} a month from XX/XX/XXXXto present. I have only paid down {$1200.00} of my principle and owe the same amount that I borrowed after paying Navient over {$80000.00}. I asked for a printout of my payments. They monthly payments go to interest, capitalized interest and " Administrative Forebearance ''. Basically each monthly payment disappears into a void. 

Was it legal for Navient to tell me to consolidate in order to change service providers and then assign my loan back to itself, basically stealing all of the interest, capitalized interest and other fees that my payments were applied to?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below  ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX XXXX {$2500.00} not mine XXXX XXXX XXXX XXXX XXXX {$230.00} not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX not mine

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 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received a credit card from Citi I did not request. I have called twice to request that the account be closed and both times they refused to honor my request without me giving them my social security number. I refuse to give this information out, especially to a company I don't have any confidence in. My credit file was frozen several months ago to prevent fraudulent applications. I don't know how this application was processed despite the freeze. The company suggested that I walk into one of their branch offices to get a telephone number for their credit fraud department rather than trusting in the number on unsolicited mail. There are no service branch offices near 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 2019-07-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX {$160.00} not mine XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX {$2500.00} not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXS XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXI XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized PUBLIC FILING   BANKRUPTCY : CH-XXXX XXXX not mine

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 2019-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
This information is to further my complaint against mr Cooper who claims to have my mortgage that they bought from XXXX XXXX on XX/XX/2019. As we paid this mortgage loan off on XX/XX/2019 to XXXX XXXX ( XXXX ) and received payoff figures, all proper documents, liens and title, XXXX XXXX is still sending invoices that are due and very inconsistent with letters from mr Cooper saying XXXX paid them for our loan. Don't know how each handled but we just handled as told per letter from XXXX dated XX/XX/2019. I am forwarding a copy from XXXX stating our loan did not begin until XX/XX/2019 ( by separate fax to XXXX ). Therefore, I did not have a mortgage loan with mr Cooper and they had no right to send anything to credit bureaus and we were never late with any such payments to them per information received from XXXX. I wish to get all this confusion done with since it is causing much stress in our lives. Therefore, we were not late paying this mortgage at all and should have not been put through any of this upset and intolerable confusion. I would also ask that when takeovers happen, the consumer have a right to decide who they want their mortgage company to be with instead of takeovers such as this. Also, since we received all proper documents from XXXX that this loan is closed, escrow money and release of liens, how is mr Cooper going to correct and send same documents?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Solidifi US, Inc.
State: TN

Complaint narrative:
The title company tried to charge me {$150.00} for a quit claim deed that was not needed. I called them and they send me a new closing disclosure with the quit claim deed removed and the corrected amount I was supposed to receive after closing. The amount of the check I did receive after my refi was the amount originally on my closing disclosure that was incorrect XXXX {$1500.00} ), not the amount after the quit claim deed was removed ( XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
XXXX loan company went under and my loan was picked up by XXXX and assigned a loan number. I pay thru my bank monthly and on the XXXX  of the month or the first bank day of the month.. I then received a letter from Loancare about my loan with out any other information and I gather assigned a new loan number. I paid my XX/XX/2019 bill to the first number and the same for my XX/XX/2019 bill only to receive notice that I hadn't paid at all. a call was made to XXXX and I found out that my loan was being handle by their other company Loancare. with this call I was told that all was straightened out and that they would report an error to the credit reporting companies. on Saturday I received a package from Loancare saying that my loan was in foreclosure and for me to fill out a certain form they sent me. I made a call to them asking to talk to a supervisor about this and was told they couldn't get one right away but I would be called back within an hour and I haven't been.

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 2019-07-29 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: CA

Complaint narrative:
XX/XX/2017 filed Chapter XXXX. XXXX XXXX XXXX XXXX for my automobile was reaffirmed. It has been deleted on all 3 repositories as XXXX XXXX reports it " sometimes ''. It has been paid as agreed for 49 or 50 months and is necessary to bring my credit score up to the 700 's. I have included a current payment request with balance due.XX/XX/2017 filed Chapter XXXX. XX/XX/XXXX shows on Experian as Discharged in BK. I have been paying this for around 12 or so years as agreed. I am still paying it. I have included a copy of my online statement with some pay history. Again- another account misrepresented.

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 2019-07-29 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX Date opened : XX/XX/XXXX XXXX Date opened : XX/XX/XXXX {$330.00} I pulled my credit report and noticed I have 2 accounts in collections reporting with no account name, address, or phone number. How can this information be verified without proper documentation? I sent a letter to Equifax letting them know and requesting it to be removed immediately and it has been over a month with no communication from them. This kind of information is tarnishing my name and making my credit account look really bad to other potential creditors. I attached a screenshot of the reporting so you can have a visual of what I am seeing.

Company response to consumer: Closed with explanation