vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 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: CA

Complaint narrative:
On XX/XX/XXXX I reviewed my Credit Report with Experian. I noticed my credit score was lower that it should have been after my due diligence I noticed that Experian was reporting that I had a Bankruptcy filed in XXXX. This is not accurate at all. There are so many people in California let alone the country that share my same name. It is very common, with all of the security breeches and Identity theft out there I can see how Experian may have mixed this up. One XX/XX/XXXX I sent a letter to Experian requesting that they open an investigation into the matter Cert Mail Tracking # XXXX which they received according to USPS on XX/XX/XXXX. Since this time frame I have only received a generic response into the matter. I requested that they open an investigation and I would like to know how they indeed found this negative information to be accurate and belong to me. In my research and due diligence I called the Court and asked how this information can be validated and why they would report such a thing and damage my Credit. The court told me they do not report to credit reporting agencies. They told me Experian gets its information through XXXX XXXX which sometimes may have errors. I requested in my letter to Experian that this matter NOT be validated through XXXX XXXX because with a name like XXXX XXXX it is so common and easily able to get mixed up. I asked that their response NOT be automated or have XXXX-XXXX verification because this would simply show negligence and not be in my best interest as a consumer and it would violate several laws of the Fair Credit Reporting Act. All I received back was a generic response which stated the Bankruptcy was validated. My letter was clear and it has yet to be looked at with care.

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 2019-01-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting an item from XXXX XXXX with a close date of XX/XX/1995. This is more than 7 years ago and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nathan & Nathan, P.C.
State: MS

Complaint narrative:
Got a notice in the mail from Nathan and Nathan P.C. regarding XXXX for the amount of {$6500.00} during this time I had became XXXX  and the debt had XXXX  insurance I do not owe this bill and Nathan and Nathan is trying to collect on a debt that is more than 10 years old. The statue of limitations for the state of MS is 3 years this is going into the 9th or 10 year. Company is breaking the law. I have not heard anything regarding this in nearly 10 years I am XXXX and unemployed. I have not worked in nearly 10 years. This is like prying on the XXXX  because they know I am not working and I do not owe this debt why after nearly 10 years they trying to collect on a bill that the statue of limitation for the state of MS is 3 years this is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Hays Potter & Martin LLP
State: GA

Complaint narrative:
On today XX/XX/XXXX a strange XXXX gentlemen showed up at my door with a box in his hand, Given I have an XXXX XXXX and the level of legal retaliation I am experiencing due to reporting every level of fraud possible, I was had a set of legal documents from a stranger who never asked me to sign, The box in his hand was small in nature and I thought it was a bomb. I began to panic, Please note we have signs to stay off of our premises. He was totally trespassing, It was a duplicate set of documents which were sent to me previously. It was from XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX. Please note my street is gated and I NOW KNOW WHO provided this stranger with the code. There is a connect at the Bar Association who's relative lived on this street. This individual is basically retaliating due to 1. Me reporting him to the Bar Association 2. I also sent a second request to your organization for a copy of the contract I signed versus a forged contract he sent via CFPB. 
3. I have received threatening phone calls daily I am now forced to take intense legal action against him. 
Please note I fear for my life and this Attorney is harassing me because he was uncovered!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: FL

Complaint narrative:
On XX/XX/2018, I noticed there was a US BKPT CT dismissed listed on my Experian Credit report. On XX/XX/18, I sent a certified letter to Experian asking them to validate this listing, which they received and signed for on XX/XX/2018. I received a reply from Experian on XX/XX/18, stating that " The company that reported the information has certified to Experian that the information is accurate ''. On XX/XX/18, I sent another certified letter to Experian, which was received and signed for on XX/XX/18, asking them how they validated this listing, and to provide me copies of such. I received a letter dated XXXX, from Experian stating " We have previously processed your dispute and the credit grantor has verified its accuracy. I also received and have attached a copy of the letter dated XX/XX/18, stating, " ... .public record items, which are obtained from courts and other government offices. 
I have attached a letter from U.S. Bankruptcy court stating that they do not report nor verify this information. Experian is knowingly and deliberately not abiding by the FCRA 623 ( a ) ( 5 ) and FCRA, Section 609 ( a ) ( 1 ) ( a ) law ( s ) that govern 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 2019-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Repeated harassing calls from XXXX XXXX XXXX ( XXXX  ) XXXX claiming that I am being served with lawsuit documents unless I pay {$3500.00}. Refuses to provide any information about who I would be paying.

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 2019-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Debit card number was used fraudulently for a transaction of {$650.00} on XX/XX/2017 at XXXX, XXXX, NJ. The Debit card was in my possession during the incident. 

We realized funds were missing 6 months after the incident. 

Lodged a complaint with Bank of America ( BOA ) Fraud investigation team. First BOA promptly refunded the amount and started investigation. 2 months later, BOA deducted the credited amount claiming PIN was used in debit card transaction and hence, must have been done by cardholder or family member. There was no contact made with XXXX and no proof sent to us. 

We challenged the findings, even citing to verify XXXX CCTV and faxed all details from nearby BOA branch. Followed up with fraud investigation team, who confirmed they had all the details and can expect in our favor. However, after another 2 months of investigation, BOA came back with same " PIN was used '' reason and closed the case again without any refund. 

XXXX store, where fraud happened, didn't give the receipt as they said they have policy not to maintain records older than 3 months. However, online XXXX customer service retrieved the transaction bill. There were 2 money orders drawn - one for {$150.00} and other for {$500.00}. XXXX XXXX confirmed that both money orders were cashed out and can't be replaced.

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 2019-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have a XXXX XXXX XXXX in the process of being treated. I'm an XXXX  XXXX technically XXXX XXXX, have been having a XXXX XXXX preventing me from working. I get no paid time off. Spoke to a Navient customer representative on XX/XX/19 to explain my circumstances and inability to repay, as well as offering to submit proper medical documents needed. He was demanding repayment and stated there is nothing that can be worked out. As a result my credit is ruined and interest accrued {$7000.00}. I need assistance with this issue as nothing is being resolved with communication with Navient the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I took out a VA Home Loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX. I made my payments on time with them through the time that they transferred my loan out to Mr. Cooper out of Texas. My first bill was due to Mr. Cooper XX/XX/XXXX and I submitted my payment by that date and it cleared my bank on XX/XX/XXXX. My next payment to Mr. Cooper was due XX/XX/XXXX. I made this payment with an additional {$35.00} applied to the principal on XX/XX/XXXX. I received my XXXX statement around mid XXXX which brings me to the issue at hand. I logged in to my account to think about how much extra to put toward my principal for XXXX and shockingly found that my account was past due since XXXX. Keep in mind I have the bank statements where the money cleared, as well as the statements from Mr. Cooper saying I was up to date on each statement with no past due amounts. So, I decided to call Mr. Cooper. I first called on XX/XX/XXXX at XXXX EST and spoke with a lady and she said she escalated the call because it showed where I paid but then my money was reversed and applied elsewhere. Now, to explain reversed in her terms. It was reversed from my account and applied elsewhere but they could not tell me where. So the lady spoke with her manager and said they would call me back the next day. The next day rolls around and no call. I called them back at XXXX on XX/XX/XXXX and spoke to a XXXX. He said there was no record of my previous call so I started writing things down. He would not listen to my situation so I asked for management. Then I was connected to XXXX XXXX. After speaking to Ms. XXXX, she ask if I could send proof of where it cleared the bank. I told her absolutely and did so while I was on the phone with her. That proof was sent by email as she gave me all of her contact information. She told me that she would send it to accounting and that I should know something by Monday XX/XX/XXXX. She said I could call back on the XXXX to check. Monday comes around and I wait until XXXX EST to call and check the status. I called with no answer, however, she did call me back. She then told me nothing had been done on my account and that she had my number and would call me back on the XXXX because they should have things fixed by then considering it was submitted on the XXXX. The XXXX rolls around and no call as of XXXX EST, so i gave her a call with no answer. I feel like I am exhausting all means necessary to resolve this on my end. However, it seems as though this company received my money then removed it from my account and put it somewhere else. I have all the proof of the payments, the statements, and times and dates of attempted resolution. I am now getting calls from the VA asking why I have not paid my mortgage. I am getting letters from Mr. Cooper asking why I am not paying my mortgage. This issue is I am paying my mortgage and it appears as though Mr. Cooper is taking my money and not applying it to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XX/XX/2019 I contacted Navient regarding and advertisement on social media that reads .... Ripped off Borrowers by Sallie Mae & Navient are now APPROVED to remove ALL STUDENT LOANS with NEW 2019 FORGIVENESS PROGRAM- This happens ONCE every 100yrs- APPLY now before its too LATE. NAVIENT targets in Class- Action Lawsuit Accused of misleadIng customers about Loan FORGIVENESS.. Upon contacting Navient I asked them about the statement above and I called them seven times and they disconnected the phone call. I was calling to get my Loans removed and was unsuccessful at anyone giving me any information regarding how they could or couldn't assist me. I would like for all of my Student Loans to be dismissed including all occurred interest. My Loans are currently in deferment and want them removed asap. I Will also report this to the XXXX for feature reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp
State: TX

Complaint narrative:
I have 3 accounts that I paid off in settlements that are still showing negative on my credit report. 1 lending club account which I paid off in the amount of for {$2000.00} ( paid off XX/XX/XXXX ) and is showing election of remedy and hurting my credit score. 2nd lending club account which I paid off for {$2100.00} ( paid off XX/XX/XXXX ) showing purchased by another lender. 3rd account is XXXX, which I paid off in the amount of {$630.00} ( paid off XX/XX/XXXX ) and is showing election of remedy. I wish to have all these accounts removed from my credit report since I have paid all of them and the companies refuse to remove them after I have contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
There is a item that on my account that is in collections that I have never been aware of. I think it may belong to someone else. I was wrongfully told by this debt collection agency if I was to pay the charge that this would resolve the issue. I would like this collection account immediately removed please or I will proceed with further legal action. Thank you. 


****This is on my XXXX report please remove immediately***** CREDIT PROTECTION ASSOCIATION XXXX Orginal Creditor XXXX XXXX XX/XX/2012 XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: UT

Complaint narrative:
They are calling asking me if I know person A. I told them I dated her for three months back in XX/XX/2017 and haven't seen her since. I asked them to not contact me again regarding the matter as I can be no help to them and at this point they are wasting their time and mine. The next day I received a call from the same company asking the same questions. I had the phone on speaker and my current girlfriend was speaking in the background. The caller asked if that was person A and I said no. She then said it was suspicious and concerned her. This amateur detective game she is playing is honestly offensive as she essentially accused me of lying and is a pathetic tactic to try to get someone to work with you.

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 2019-01-15 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I got a car loan through Santander Bank In XX/XX/XXXX, the car dealer / salesman had committed fraud when he got me the loan through Santander. In order to get my loan approved he lied on the application about the miles on the vehicle. 1 month after I bought the vehicle the motor stopped working and I tried to have it fixed using the warranty I purchased through the dealership and the Warranty company said my warranty wasnt valid because of the mileage discrepancy. So I returned the vehicle and the bank took possession of it In XX/XX/XXXX and it became a closed account / charge off. Its been on my credit reports for 7 years and 4 months as of today. It was marked to come off of my credit report in XX/XX/XXXX but now Santander has starting reporting the account as open again in an attempt to keep it on my credit file. Ive disputed this action with the credit bureaus and Ive disputed it with Santander. Ive contacted Santander and they refused to re close the account and could not give me a reason as to why they re opened it within 4 months of it falling off of my Credit File. It should be removed immediately and Im pleading for your help in assisting me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR

Complaint narrative:
ONE MAIN KEEPS PULLING PROMO INQUIRIES FROM XXXX  AND XXXX AFTER BEING OPT-ED OUT FROM ALL STATE AND FEDERAL AGENCIES, ESPECIALLY, XXXX  AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my Navient account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX I applied what I thought was a chase sapphire preferred credit card. Unfortunately, in error, I applied for the Chase Sapphire Reserve credit card. I immediately discovered my error and called Chase Credit Card Service and told them of my mistake. The agent told me that I could change the product with no problem, just call back with in 48 hours when the account is set up. I called again on XX/XX/XXXX and spoke with an agent that said I could not cancel or change the card. I then asked for a supervisor who again denied my request and said the agent from the night before was incorrect. I then spoke with a manager who again said they could not change the product but could reject the credit card which will hit my credit rating. I opted to reject the card. 
My complaint is that there should be a grace period of at the very least 24 hours to correct a mistake. There has to be a regulation of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR

Complaint narrative:
ONE MAIN KEEPS PULLING PROMO INQUIRIES FROM XXXX AND XXXX  AFTER OPT-ED OUT FROM ALL STATE AND FEDERAL AGENCIES, ESPECIALLY XXXX AND XXXX. 11 IN 3 YEARS AND SENT FALSE ADS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
Hi, I have been dealing with cash express for some time trying to pay off a title. The last payment was due on XX/XX/XXXX my last payment was due on the XXXX I assumed it was the same day every month. They charged a XXXX dollar late fee. I have already paid XXXX and they say I still owe XXXX on a XXXX dollar loan. The total of payments on my loan is supposed to be XXXX. It seems really shady and excessive fees for a loan. The lady told me when I took out the loan I would make 13 payments now they say its 22. Can you please investigate there policies and make sure they are following the guidelines. There predatory process has really put me in a spot.

Company response to consumer: Closed with explanation