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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX has two accounts on my credit report that should not be there. The first one is a credit card account number XXXX showing an opening date of XX/XX/XXXX. The second is an Auto Loan account number XXXX opened on XX/XX/XXXX. Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this fraudulent information removed from my report.

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 — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient keeps adding disputes on my credit report.I contacted navient about the problem in XXXX on a conference call.They stated that they removed the 90 days last disputes on XXXX XXXX 2017.These disputes are fraudulent by navient because I was in deferment and forbearance during these times.Navient was not supposed to mark my credit and add 90 days late and disputes during this time.The agent told us that they removed the disputes and was sending me information about the disputes being removed.Instead navient sent me papers about deferring and forbearance of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have been paying off my $XXXX loan since XX/XX/XXXX. A few years ago my servicer was changed from XXXX to XXXX education. Today I received a notice in the mail that my loan was going to be changed again and serviced by "Nelnet" as of XX/XX/XXXX that any payments past this date would be automatically forwarded to "Nelnet". (date I received this letter is XX/XX/XXXX) I have not received any info from this other company "Nelnet" regarding them acquiring my loan and how to proceed with payments. 
As of today the XXXX education website goes to a blank web page. No information is available about any of the payments I have paid over the last 5 years. XXXX  "This Page isn't working." "HTTP ERROR 500"

How is it legal for a loan servicing company to make my financial records regarding over $25,000 in payments completely inaccessible to me. I can't believe that this is a legal action that this company, XXXX, has taken. If it is yet another transfer of my loan, fine, but why haven't I received some sort of record to date of what my current loan balance is along with the information about how my loan is being transferred? These companies should have an ethical obligation to provide such information before rendering their services unavailable to loan payers. Since they obviously don't have moral compass, it should be made a law to require there loan servicers to provided this paper trail {all it would need to be is a XXXX spreadsheet printout} before transferring loans, to prevent the new loan servicers from taking advantage of those of us that haven't been taking screenshots of every new balance after payment.  This is highly unethical and I am stressing out that this new loan servicer, Nelnet (who has zero info about me so far) might conveniently get my balance wrong causing undue stress and anxiety over having to prove that I have already paid down over $21,000 on this loan's principle. It happened to me before when I transferred from XXXX to XXXX and I had to make them correct it. It would have cost me thousands if I had not noticed. I am so sick of this XXXX. AND my interest on this federal loan is 6.75% < unethical to the max  > a sad story for another day.

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 — Account information incorrect
Company: Automated Accounts, Inc.
State: ID

Complaint narrative:
I have disputed the information on my credit report for date opened and they will not change it. The date that they have listed is the day they bought the past due balance from XXXX XXXX XXXX. By law the date opened is the date global opened the account. If the date was made correct it would be past time to be off all my credit reports. Also i would like them to provide me with a copy of the contract of original loan from XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I 'm a victim of identity theft and account 's was open on my name that I was n't aware of from XXXX XXXX XXXX XXXX has of XX/XX/2016 # 1. Installment Loan accounts number XXXX has appeared on my credit report # 2.Credit Card account number XXXX has appeared on my credit report I would like these account to be removed from my credit report I ad send a copy of police report to. the credit bureaus also

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 2017-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Ive received countless letters in the mail regarding my credit card. Besides the numerous phone calls that Ive been receiving. I have reached out to a third party company who was supposed to reach out to the credit union regarding a payment plan to pay down my credit card balance. I am unemployed 2 months out of the year and the credit union knows this! Yet I receive a letter in the mail shortly after the credit union responded to my complaint that I have 30 days from XX/XX/2017 to close my checking account due to non payment on my credit card. Which is in retaliation to my complaint to the consumer finance company. And XXXX XXXX did NOT respond to my any of my emails except for one email that I had sent to her specifically asking her for a reply. I have sent every piece of paperwork to SECU that they have asked for. I was told if I had submitted all paperwork that was needed then I would be given a small loan added to my car payment every month. Once I had sent all of the information to SECU. I was then told that I couldnt be helped. When I spoke with XXXX XXXX in person I brought a very successful business man along just for support and the way that I was spoken to and treated was unfairly. I will continue to send in complaints until I see that no one else is treated the way that I was treated Im very disgusted. Ps ... I have paperwork to back up everything that I am saying

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I 'm a victim of identity theft and account 's was open on my name that I was n't aware of from XXXX XXXX XXXX XXXX has of XX/XX/2016 # 1. Installment Loan accounts number XXXX has appeared on my credit report # 2.Credit Card account number XXXX has appeared on my credit report I would like these account to be removed from my credit report I ad send a copy of police report to. the credit bureaus also

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I 'm a victim of identity theft and account 's was open on my name that I was n't aware of from XXXX XXXX XXXX XXXX has of XX/XX/2016 # 1. Installment Loan accounts number XXXX has appeared on my credit report # 2.Credit Card account number XXXX has appeared on my credit report I would like these account to be removed from my credit report I ad send a copy of police report to. the credit bureaus also

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have disputed the information on my credit report for date opened and they will not change it. The date that they have listed is the day they bought the past due balance from XXXX XXXX XXXX. By law the date opened is the date XXXX opened the account. If the date was made correct it would be past time to be off all my credit reports. Also i would like them to provide me with a copy of the contract of original loan from 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX has a accounts on my credit report that should not be there. Auto account number XXXX showing an opening date of XX/XX/2016 Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this false information removed from my report.

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: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
On XXXX XXXX, 2017 I received a Service Transfer letter from SPS ( Select Portfolio Servicing , Inc. ), stating that my refinanced mortgage account would be transferred to them from the previous servicer, XXXX. I thought this was great since I had written an abundance of complaints to CFPB about the egregious and criminal acts committed against me by XXXX. I researched SPS, and although the company did not receive good reviews at all, I thought that the change would give me a corrected, fresh start. I called SPS and spoke to a representative to get my new account number and she explained several ways I could make my XXXX payment. I was not waiting for the payment vouchers before paying my first and consistent payment for XXXX. I saw in one of the reviews that another new client waited and was sadly penalized. I was told to pay a little over {$640.00}, because I had an unapplied balance from my previous XXXX account. I discussed with the SPS representative that I would be making the payments by XXXX XXXX quick collect at the end of the month, by the XXXX, and the representative gave me the information needed in order to send the payment. I was told that I didnt need to call after I made the payment to SPS, that SPS will see the amount paid and apply the unapplied funds amount to complete the XXXX payment. I also discussed with the representative that the amounts derived by XXXX ; which led to the complaints to CFPB and led to my account being transferred to them ( SPS ), were erroneous. The representative documented and explained that our conversation would be investigated and the investigation would take up to 60 days after which I would be notified. Right after SPS processed my XXXX payment I received a confusing notice. Although SPS just received my account in the middle of XXXX AND SPS is still investigating the payments made to XXXX, SPS put my account in Default status??? Then in addition, I received a statement dated XXXX, after already making my first payment in full with SPS in XXXX. They have no listing of the payment I made AND the combining of the unapplied funds amount on the website. The statement reads : Loan Due Date XXXX Payment Due Date XXXX Amount - {$3200.00} Late Fees - {$390.00} How???? My monthly payment is less than {$940.00}. I have conformation of the payment for XXXX as paid. I pray Im not in another XXXX type company Please dont let that be.. Please Help AGAIN??? Awaiting Your Response, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Advantage One Credit, LLC
State: FL

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX, XXXX XXXX {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 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 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Untimely response
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX Installment Loan # XXXX Date Opened XX/XX/2017 This account in showing 30days late for XXXX, however it has never been late

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 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 — Account information incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and America Servicing Company. ASC reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. XXXX and XXXX are reporting foreclosure and XXXX is reporting short sale 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 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX Installment Loan # XXXX Date Opened XX/XX/2017 This account in showing 30days late for XXXX, however it has never been late

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX Installment Loan # XXXX Date Opened XX/XX/2017 This account in showing 30days late for XXXX, however it has never been late

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: Capio Partners, LLC
State: FL

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, Capio Partners & XXXX, XXXX XXXX {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # *******, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
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 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with non-monetary relief