vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 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: MI

Complaint narrative:
XXXX and Transunion are reporting that my credit score is  being impacted by the credit inquiries on my file. The inquiries were part of mortgage rate shopping when I was buying a home in XX/XX/XXXX/XX/XX/XXXX. 

I called XXXX complaint line and the representative suggested that they can not do anything about it and that I need to wait until they fall of my report in XX/XX/XXXX / XX/XX/XXXX. 

Its unfair that mortgage rate inquiries are reported to be impacting my credit score and staying on my file for 2 years and affecting my credit score negatively. This is detrimental to the dream of being a home owner.

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 2019-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been sending the creditor what they have been asking for to get my account paid off in 3 years. However, they have misled me in believing this amount would actually pay off the account but as you will read it does not. It is very misleading and to be unlawful. I have pasted my original complaint to them as follows. 

****I just looked at my statement you have if I make min payments it will take me 6 years to pay off and if I make XXXX a month it will take 3 years. Needless to say, I send you XXXX and interest is over XXXX? How is this account getting paid down in the 3-year window you have printed? Very misleading to the consumer. **** Their response had nothing to do with my concern and they informed me they are following Federal guidelines as to the posting of the information but federal guidelines DO not state it has to be accurate. There reply is as posted. 

**** Dear XXXX XXXX XXXX, Thank you for your recent email. 

Providing three years of pay-off information is required under federal law, which we comply with. CFNA does not provide alternate pay-off plans as too many factors can change e.g. a late payment fee, NSF fee, assisted operator fee, new purchases, etc. We recommend that you utilize one of the many pay-off calculators available online. To utilize such a calculator, you just need to enter the term of the loan ( 3 years ), outstanding balance and interest rate ( 28.8 % ) to calculate the amount your payments should be to pay off your loan, assuming no other activity on your account. 

****All I know is that " there '' factoring has created more money in their pockets for I have always followed what the creditor has started to send in to pay off my accounts earlier and with less interest.

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 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Premier Holdings
State: SC

Complaint narrative:
On XX/XX/19 a XXXX XXXX called my job impersonating a law firm, disclosing to the receptionist if she wasn't connected I would be served papers the following day, told me I would lose my house and my job and my wages would be garnished. She told me she was trying to collect bad checks - though I have never had checks. She then proceeded to give me what she thought was accurate information, though the address she had never belonged to me, I don't have a cell phone so I'm not sure whose number she has, and never sent me a copy of the contract I allegedly signed. I told her I have no idea what she was trying to collect, that I have nothing unpaid and wasn't aware of anything unpaid. She then told me I would have to pay it anyway. I asked her why I had never been informed of the debt prior to this threat of a warrant for my arrest and she quickly changed the subject. I asked her how I could resolve this if I had no knowledge of the debt and she couldn't supply me with a contract to review. She responded by telling me that if I wanted to keep my job and stay out of jail I would have to pay it. She was very aggressive and managed to threaten me the entire phone call without providing any shred of accurate information or document for me to review. Furthermore, this debt is past the statute of limitations in my state as well as the creditor 's state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Hello, I learned earlier this week that Navient had not transferred over one of my federally-owned loans last XXXX to XXXX as required under the Public Service Loan Forgiveness program. 

This has the potential to have a major economic impact on my loans. 

I spoke with XXXX XXXX today. He told me they would look into with an expected inquiry completion date of XX/XX/2019. I informed XXXX that under the CFPB definition of a complaint, this should be logged as a complaint. 

XXXX had tried to initially tell me that I was not yet eliglble for loan forgiveness. Luckily, I know what I am talking about. So I informed him that under the PSLF regulations, Navient is required to transfer all my loans to XXXX. 

The Student Loan Servicing industry is a mess. 

My name is XXXX XXXX XXXX, XXXX. 

You may publish this with my personal details redacted. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are 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 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
Company : Collectioncenter, INC XXXX WY, The collections company refuses to send me a written payment agreement. I offered to pay the debt in full, with one lump sum, but they refuse to send me an agreement letter with the full amount. 

I think this company is trying to scam people with medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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 have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are 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 2019-05-23 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: IL

Complaint narrative:
I purchased a used vehicle from XXXX XXXX XXXX in XXXX, IL on XX/XX/2017. I gave the salesman permission to run my credit for approval with ONE lender, and stressed that I did not want my credit run multiple times, that if the first lender was not approved I would get financing on my own. 

As I had come to find out over the next several weeks, my request was ignored. I started receiving credit denial letters in the mail, from banks I had never applied for credit with. I received a total of 12 letters of credit denial in 2017. One has since fallen off my credit report, however the following 11 hard inquiries still remain ... all from the same date of XX/XX/2017 : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Over the next several months, I tried to fight the unauthorized inquiries through Trans Union and XXXX. I was told the only way to get them removed was by having the auto dealer who submitted them call each creditor. 

I left several messages for the salesperson, finance manager, and any manager to help address this issue. I was ignored, calls never once returned. 

I just found out about CFPB, otherwise I would have done this much sooner. Please help ... XXXX XXXX in XXXX has set a new low in dishonest sales practices, which has cost me additional money over the years due to 12 hard inquiries against my credit in just one day, which caused my score to drop significantly!

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 2019-05-23 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: MA

Complaint narrative:
This company claims that I have a balance of {$260.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to them asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a bill with the amount that they claim that I owe to them. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On the bill it shows XXXX XXXX as the original creditor but I never had an account or a contract with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
BMO Harris P.O. box XXXX XXXX XXXX IL. 
XXXX We have a car loan through BMO Harris. 
They refuse to provide any paperwork or provide Internet information on the loan. 
We wanted some sort of overall proof of payments made and charges over the course of entire loan. 
They refuse to provide any information to us. 
There is most definitely some fraudulent activity going on here.

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 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I received confirmation that the inaccurate addresses were deleted from my credit file but as of today 's date, the addresses still remain. On XX/XX/XXXX I sent Equifax a correspondence asking them to remove the incorrect addresses as they stated that they would but as of today 's date, the addresses still remain and the Credit Reporting Agency has not respond. Credit Report dated XX/XX/XXXX still show incorrect addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation
State: CA

Complaint narrative:
Unlawful Foreclosure. Unlawful Foreclosure. I have submitted a full and complete loan modification application to XXXX and as of XX/XX/2019 with the debt collector XXXX. As of this date, we have received nothing but a deceptive response from both XXXX and XXXX and no accurate status regarding our request for the loan modification Our home is currently in active foreclosure with the sale date scheduled for XX/XX/2019. Therefore ; pursuant to California 's Homeowner Bill of Rights you are prohibited from conducting a trustees sale ( foreclosure ) on the above-referenced property until you have provided an answer to my loan modification application and legally wait for at least 45 days from the date of receiving a denial for the homeowner to respond to the denial. Active foreclosure sale date scheduled for XX/XX/2019 must be canceled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COAST PROFESSIONAL, INC.
State: TX

Complaint narrative:
This company ( Coast Professional ) sent documents over to my employer as an government official. ( Documents attached ). I have never received documentation from this company or contracted with this company. Therefore I sent an affidavit to there company requesting jurisdiction and validated information and never received a response.I still have yet to see the contract granting Coast Professional the rights/Jurisdiction regardless of who they are stating they are working on the behalf of. I do not want to do business with Coast Professional. Attached is where Coast Professional not XXXX sent papers to my employer to garnish my wages. You still must prove your jurisdiction and answer the claim by affidavit per the law. Again, I dispute to contract with your company and we can get the XXXX involved if need be. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Coast Professional Inc to pay debt collector which will give your company jurisdiction to report this debt on my credit and garnish my wages ( per letter attached ) .. Regardless of what type of company you are, you still have to have a contract between either you or I or the original creditor in which gives you obligation to try and collect a debt. If you didn't purchase this debt then you surely have an obligation letter to collect and provide to me. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice to remove garnishment and any collection activity or a commercial lien and or suit will be filed against your company for dishonor, no jurisdiction and punitive damages.

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 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX I was given a loan payoff quote for {$260000.00} good till XX/XX/XXXX. 
I sent 3 payments starting on XX/XX/XXXX of {$67000.00}, XX/XX/XXXX {$100000.00} and the last payment on XX/XX/XXXX for {$100000.00}. I sent the payments through online bill pay because the max amount allowed to sent was {$100000.00} thats why I sent 3 payments and also the payoff quote did not specify the money had to be in one lump sum just be there by the XX/XX/XXXX. When the first payment went through they took out {$980.00} in interest. This should of not been done because I already made XXXX payment on XX/XX/XXXX. So they took XXXX interest when they should not of plus theres only 14 days between XX/XX/XXXX and XX/XX/XXXX and the calculation of interest taken is incorrect. I called them on the XX/XX/XXXX and asked why my loan is not paid off and they said they had to forward this matter to another department and can take of to ten days. I called today XX/XX/XXXX and they said I will get a call back from a supervisor and never did.

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