vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been in constant contact with XXXX XXXX with Equifax. I initially emailed the CEO because I noticed numerous accounts in good standing were being removed from my reports without any notification. I received an email back from XXXX to contact her. I advised her of what was showing on my reports and what was missing. She said she would do an investigation and would see about getting these missing accounts back on my report. Fast forward to XXXX, I tried to get my three fico scores from XXXX. I could n't because again Equifax was n't releasing my information. I contacted XXXX again who basically told me to NOT contact her again and to contact the regular customer service. Today ( XXXX ) I tried to get my updated scores through my subscription with XXXX and again Equifax is coming back with an error. I have n't gotten any real info from Equifax as to why this is STILL happening and WHY accounts in good standing ARE STILL BEING REMOVED. I think it 's absurb that I dispute accounts that are wrong and they come back verified but I do n't dispute accounts that are in good standing and somehow they are removed. I also sent proof that my student loans were n't late for a certain period and they have yet to fix that!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20 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: OR

Complaint narrative:
Over the past year and a half my credit score has dropped nearly 150 points. This in spite of the fact that my credit history is flawless on their own reports. It has been that way all my life. Nothing financial has changed in the last year and a half. What the agencies claim justifies the reduction is my low number of open accounts. That too has not changed for years. I am retired and have a decent SSA and portfolio income. I applied for an additional credit card to increase my accounts and the credit checks count as an additional negative. I own my home and cars. I recently bought a new XXXX and paid cash. That apparently was financially irresponsible of me according to the agencies. These people are malicious and need to be better regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
On three consecutive business days ( XXXX XXXX,XXXX, and XXXX ), XXXX XXXX of Fay Servicing or his representative showed up physically at my property at XXXX XXXX XXXX, XXXX, GA XXXX and taped the identical letter, dated XXXX XXXX, XXXX, on my door on each of those consecutive nights. The letter requested that I call him directly at ( XXXX ) XXXX in order to " verify my current information and to discuss how [ we ] can work together to improve [ my ] mortgage situation. '' I called him at this number on XX/XX/XXXX at XXXX XXXX and my phone call went to his voicemail. I left a message reassuring him that I had received his letter, requesting that he not post it on my door anymore, and that I was calling him as he had requested. I asked him to call me back that evening or the next day ( XX/XX/XXXX ) between the hours of XXXX XXXX and XXXX XXXX, when I would be available to take his phone call. As of XX/XX/XXXX and I had not yet received a phone call back from him, so on that date I emailed him at the email address he provided asking that he reply to my email with specific instructions as to how to submit my Loss Mitigation Application. It is now XX/XX/XXXX and I still have not received a return phone call or email reply from him or Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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 recently received an alert on my credit and it appeared to be an account I was unaware of. I am sending this message in regards to the account showing that I opened up a new account on XXXX XXXX, 2017. It is impossible to place an account on my credit file, it is a fraudulent action by your company. I was never contacted by anyone nor did I allow anyone to use my credit without my consent. Now I am seeking a civil case towards your company including Equifax. I did not apply for new credit. It is impossible to own an account after a month so you can remove this account for good. I do n't have any clue where this account came from. You are committing a fraudulent crime. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20 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: CL Holdings LLC
State: CA

Complaint narrative:
They keep selling the debt to new collection agencies, then it shows a new open date, and it never goes away. This " supposed '' debt is well over 10 years ago ... Not only that, but I do n't even owe the money! I asked XXXX XXXX to close my account back then, and they told me on the phone it was taken care of, but then they never closed it. I am never going to pay money I do n't owe. I just want to know how to get rid of this thing on my credit. I 've been punished long enough for something I did n't owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I was with Navient for my student loan servicing for many years. I would be asked to document my income every year and complain about the amount of my payments. I was offered and took a forebearance on many occasions and for extended periods of time as my principle balance increased and almost doubled what I actually borrowed. When documenting my income I always checked the block asking for the lowest possible payment. My loans were transferred to XXXX to take advantage of the PSLF program. During discussions with an agent she suggested a different repayment plan which would considerably reduce my payments. I asked her why when I was with Navient, if I always asked for the lowest payment when verifying my income, why would n't I already be in that plan. She explained there had been problems with Navient in regards to these types of issues. Having recently completed the change to the new plan my payment was reduced by approximately 40 %. I submitted a complaint to Federal Student Aid and recieved a letter fromNavient denying any wrong doing. I feel Navient has cost me thousands of dollars over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Best Buy credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I stop attending classes because I had personal issues during the yearXX/XX/XXXX,  since then I stopped assisting to my classes, and they continued to charge me until now the date XX/XX/XXXX. I only finished 21 credits which is in my opinion a theft and a dishonest way of handling a student support in financial and personal matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: WA

Complaint narrative:
XXXX XXXX credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I applied for a new XXXX XXXX card from Citibank which I should have been well qualified for ( XXXX XXXX XXXX ), but was apparently denied without explanation, despite following instructions from their customer service. I applied aroundXX/XX/XXXX. After several weeks without a response I called Citibank 's customer service around XX/XX/XXXX. I was told that I needed to verify my identiy either by providing a reference a letter, or by answering a verification call. I had not received a letter, and apparently the phone number they had called was a landline number that I discontinued a few years ago. The customer service rep offered to re-send the letter.
So far this was fine -- I ca n't fault Citi for wanting to do two-factor authentication. The troubles began when I received the repeat letter. I called Citi again and provided the code in the letter, but instead of taking this as verification, they instead denied the application. The only reason I could get out of the customer service rep I spoke to was that they " could not verify the information on [ my ] credit report. '' I went around with him repeatedly trying to figure out what that meant, or how I could fix it, but only got the same response. I asked to speak to a supervisor, but while I was being transferred I accidentally pushed the wrong button on my phone and hung up.
At this point things went from bad to worse. I tried calling back, but Citibank 's application line has an automated voice response system that requires an SSN before you can proceed. When I enter my SSN, I get an automated response that my application has been denied, and can proceed no further. I ca n't get anyone from Citibank on the phone, and ca n't get any further information. Citi eventually sent a letter confirming the denial, but with no additional information, just " We could n't verify the accuracy of some of the information you provided. '' I 've attached the final uninformative letter, such as it is.
Now I have no card, and a hit on my credit score from a hard inquiry that went nowhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
Our son had an XXXX procedure done X/XX/17 at XXXX XXXX XXXX Medical Center in XXXX XXXX XXXX Florida. We made an arrangement for a XXXX dollars a month payment. We had this agreement in writing and it is in the XXXX XXXX XXXX computer system. We made timely payments. In early XXXX we received a letter from Central Financial Control trying to collect on this debt. They said the {$50.00} payment was not a formal agreement. It is in writing and in their computer system. I feel they should honor it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. Santander Consumer USA is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to Santander Consumer USA requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow Santander Consumer USA to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have been trying to have my name added to the loan they did it but it is still wrong. I 'd like to receive a copy of my original loan and servicing documents, I yet to receive them. I have been given the run around. At first they sent me documents to say that I am not on the loan and once I pointed out on the assumption document that was my signature, were I signed first. they changed it but they have me as second on the loan and I am the borrower and my parents we the co-signers or co-borrowers on the loan. I have also asked for a copy of my payments from 1998 that would be another way to prove my title on this loan and have yet to receive those also. According to Real Estate Settlement Procedures and Uniform Commercial code I am well in my rights to receive the documents I am requesting and they need to prove they have the right to collect monies on this loan. I have trying to have this resolved since they took over the alleged servicing of this loan and we are still in the same place with the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: CA

Complaint narrative:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: CA

Complaint narrative:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit  Bureaus. XXXX XXXX XXXX is still reporting on XXXX, Experian, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: CA

Complaint narrative:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on XXXX, XXXX, and TransUnion credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

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