vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
This company is incorrectly reporting to the three credit agencies I failed to pay my note in XX/XX/XXXX. This is incorrect, and I've written to them three ( 3 ) times, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting them to resolve this issue. Their response was my complaint was frivolous. 

I had an account with them in since XX/XX/XXXX, in XX/XX/XXXX due to three XXXX and aftermath of that health issue including loss of income, I had to file Chapter XXXX bankruptcy in Federal Court of the XXXX District of Texas. As you know the bankruptcy laws changed thus all creditors were to receive and did receive what the Federal court and trustee equated to full repayment of account. This company was included in the bankruptcy. This company, as all of the creditors, received court documents of this filing with the scheduled repayment of the account. The federal trustee paid this account in full between the filing in XX/XX/XXXX and discharge of bankruptcy for completion in XX/XX/XXXX. They are reporting wrong information and when I request they resolve this issue, after recapping my situation, they refuse saying my complaint to them is " frivolous ''. They have no standing in reporting anything negative to three credit agencies, they were paid within the orders of a federal judge and they accepted the terms of the judge 's orders while collecting the funds sent to them by the federal trustee. Now they've reported a negative comment to the three credit reporting agencies, right after I was discharged, that will remain on my credit report for 7 years, yet they agreed to the court order and received the funds. This account was repaid in full and on time per court orders. This needs to be resolved by them removing the negative comment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I made a payment of the incorrect amount to XXXX XXXX XXXX, they did not notify me until after 30days and then proceeded to put a 30 day late mark on my credit reports. I have contacted them and they refuse to work with me. They are the worst company I have ever done business with!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: TX

Complaint narrative:
In XX/XX/XXXX and XX/XX/2017 I pulled a copy of my credit report from Experian and XXXX   and immediately noticed 24 inquiries on my credit report. I have sent dispute letters and have called multiple times only to be told they were accurate with no proof as requested. I have not applied for any credit because I know my credit score is not feasible to many companies. There are several done from XX/XX/2017- XX/XX/2017 for an auto loan. The ONLY auto loan I have is from XXXX which I have always purchased through XXXX. I have tried reaching out to each of the creditors and have gotten nowhere. My rights as a consumer under the Fair Credit Reporting Act has been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
Website does not accepting payments. Have tried numerous times but continue to have technical errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On or about XX/XX/2018 I reported a error to XXXX. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called Regions and had a letter in my hand within a week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: Nationwide Credit Corporation
State: VA

Complaint narrative:
On XXXX-16 I had to visit the emergency room at XXXX XXXX Hospital. I am a veteran with coverage under the Department Of Veterans Affairs. XXXX XXXX XXXX failed to file a cliam with the Department of Veterans Affairs within the 90 time limit requirement prescribed by law XXXX. Instead they instructed their agent Nationwide Credit Corporation to pursue collection activities against me in the amount of {$210.00}. I have attempted to resolve this matter with the companies to no avail. Their actions have resulted in inacurrate and negative information in my credit report affecting my credit score, insurance rates etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
There were two accounts opened XX/XX/13. First account for {$1000.00} and the second one for {$1500.00}. Someone fraudulently opened both accounts. XXXX deleted the account for {$1000.00} but not the other, if both accounts were opened on the same day, how would they delete one and not the other ... ... .I would this removed from all three credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: TX

Complaint narrative:
In XX/XX/XXXX and XX/XX/2017 I pulled a copy of my credit report from XXXX and Transunion and immediately noticed 24 inquiries on my credit report. I have sent dispute letters and have called multiple times only to be told they were accurate with no proof as requested. I have not applied for any credit because I know my credit score is not feasible to many companies. There are several done from XX/XX/2017- XX/XX/2017 for an auto loan. The ONLY auto loan I have is from XXXX which I have always purchased through XXXX. I have tried reaching out to each of the creditors and have gotten nowhere. My rights as a consumer under the Fair Credit Reporting Act has been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Snow and Sauerteig LLP
State: AZ

Complaint narrative:
This complaint is regarding Snow and Sauerteig LLP. Not only are they calling me sometimes 5 or 6 times a day, but are now taking money from my business account which is a registered LLC account. 

This is for a debt for a medical test done once I found out I had XXXX XXXX XXXX XXXX. I am a veteran and there was confusion as to where I was supposed to have this test done. I have told this company repeatedly that I am on XXXX and a fixed income and can not pay this debt at this time. I have been deemed unable to pay by the IRS! 

Now this company is taking money from my account that I never agreed to! Not to mention the repeated calls. I will be putting a stop to the payments taken from my account but my fear is they will just find a way to continue to take money. I can not afford this, at this time. If my situation changes with my health I will pay the bill when I start back to work. 

They just took a withdrawal from my account for {$20.00} in XX/XX/XXXX and another in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My dept is now in collections to another agency which means it was paid in exchanged. I no longer have obligation to pay this dept once it is paid off. Now I just have a agency harassing me to pay them instead when I did not sign 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 2018-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
This company called diversified consultants inc is a collection company that put a derogatory account on my credit report without contacting me first and giving me 30 days to contest the debt as per the fair credit reporting act, the failure to contact me means this company acted in bad faith and used bullying tactics against me, the total of the said account is {$570.00} from I believe original creditor XXXX, now they must send an agreement because this company XXXX been claiming I owe a lot of things and they are unfounded, I need them to get these things away from my name and those addresses of services are not associated with me ... Ive lived at the same address since 2001, and its not the address they have ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I made a payment to navy federal credit union for my monthly credit card payment on XX/XX/XXXX the due date was XX/XX/XXXX By Tuesday XX/XX/XXXX it hadnt shown up as paid and there wasnt anything saying it was paid online. Because of late fees and businesses eagerness in reporting late payments to the credit bureau I went online and checked and was going to pay it if it wasnt paid, but decided not to so I didnt hit submit, I hit the done key and called navy federal. I was told they didnt see a payment and couldnt determine if it was paid. It was Tuesday and even if Monday is a holiday the payments and other activities are updated by all banks by then. Then on Wednesday XX/XX/XXXX. Two payments were taken from my checking account. This isnt the first time they have taken two payments by mistake and last time the refusal to pay fees associated with this. I filled a complaint with the cfpb and the asked for an extension and wrote back at the end of the extension with untruths. This time the raised my minimum due amount against the rules to cover the second payment which my bank got back from them. I called and was assured it would be changed to the correct minimum payment but it wasnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth financial does not have a license to collect in the state of Florida. I have sent a letter of validation that I may or may owe any debt to the company commonwealth financial. Commonwealth has failed to validate any information that includes my signature when this debt became payable or any other requests that I have asked. I also feel that commonwealth financial might also be in HIPPA violation being that this is a medical bill that I may or may not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, I have written to Experian three times about an address that is reporting on my credit report that does not belong to me. I have never lived at this address : XXXX XXXX XXXX, XXXX IL XXXX ]. Experian claims that they have verified the address via public records, however, I have personally contacted ALL of my past creditors and not one has stated that they reported this address. I want the address deleted asap. I have never lived at this address. It belongs to someone else with a similar name. Not 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 explanation
Consumer complaint received 2018-02-11 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: GA

Complaint narrative:
On or about XX/XX/2018 I reported a error to Transunion. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called XXXX and had a letter in my hand within a week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: GREAT LAKES
State: TX

Complaint narrative:
I don't see this loan as useful anymore on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have ask XXXX XXXX XXXX to remove all inaccurate late payments since XX/XX/XXXX all the way to now. They have not provided any verification shows the inaccurate late payments since XX/XX/XXXX all the way to the date of this compliant which today date is XX/XX/XXXX. This compliant came be solved by updating all inaccurate late payments to on-time positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I contacted this company and ask them for proper verification of two accounts on my credit profile one with a balance of $ {$430.00} and one with a balance of {$1000.00} ; this company never sent me a letter and asked me to verify that this debt belongs to me instead they sent me a letter stating that the original creditors verified to them that the name and address is correct, as per the fair credit reporting act section 609 proper proof is hereby requested in the form of the original agreement bearing my signature and Ive yet to receive it ... none of the two balances in the possession of this company belongs to me its been over 60 days since I contacted these collectors,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
It was all to easy dealing with other competent lenders, who updated my profile and coded my profile as a cease and desist account ( with the exception of what is required by law to be mailed to the confirmed address on file ). 

However, XXXX XXXX refused and demanded that they would only approved a formal written request. This lender refused to accept a verbal request to have the account coded as cease and desist. If this is not corrected soon, legal action will be reviewed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
On XX/XX/XXXX I filed a complaint XXXX I contested collections under California state code for statue of limitations of 4 years a company response on XX/XX/XXXX PRA agreed to honor my cease and desest all calls and collections and communications to account XXXX on XX/XX/XXXX I received another communication of harrassment from Portfolio Recovery Associates of additional establishment of validity. I request that PRA be fined under state and federal laws and that I be comperstated for being harassed and for mental pain and distress on a senior citizen. amounts owed from XX/XX/XXXX is non collectable under Calidornia code as well as Federal codes. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
IN REGARDS TO : NAVIENT, ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR NAVIENT WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( NAVIENT ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT NAVIENT BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
This company as not validate this debt and has a negative mark on. My credit report Ive asked them to respond with the signed agreement for the account and they have failed to do so, now the account is not mines and they need to remove ASAP

Company response to consumer: Closed with explanation