vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX graduated college XX/XX/XXXX. Two days later was assigned to his XXXX XXXX XXXX training. Since XX/XX/XXXX Sallie Mae has contacted only one of his co-signers, XXXX XXXX, grandmother several times a week by phone calls, emails letters. XXXX only co signed one of two loans  that have doubled from The original amount. Yet they continue sending demand Payment letters for payment or ruin her credit. Take from her social security bank acct. that is all she has to live on. XXXX is XXXX years old living in assisted living. She has no extra funds. XXXX parents, my Husband and I were sufficient in his loan as co signers but they demanded a third co signer. 
This has practically killed XXXX myself my husband and XXXX XXXX. XXXX has dis owned my husband and I and her grandson over this fraudlike loan collection. 

XXXX  first payment was not even due until XX/XX/XXXX. Yet talking to an XXXX year old, she believes we misled her into this mess. We had no idea Sallie mae is allowed to get away with hundreds of calls emails and lettters to turn our lives upside down. Costs us our livelihood of not able to run our business. And we have suffered immensely from it. Sallie mae has been contacted dozens of times to let the XXXX and XXXX do their part. To Stop contacting XXXX. I have power of attorney over XXXX. I sent that in sent in all my id as demanded in order for them to stop communication with XXXX. However that was a plot to get my drivers license. They have failed to commmnicate with XXXX. She received an 8 page demand lettter today! 

How many of our lives have to be destroyed and lost over this? When the XXXX and XXXX is handling it. Not late. Now it is in deferment til XX/XX/XXXX! Why are we harrassed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
keeps calling every day says there going garnish my checking account for a credit card I never had talked to XXXX at least 3 time told her to stop calling

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 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
The only notice that I received of this debt or any attempt to collect this debt was through my credit monitoring service that indicated that I had a collections record. I researched with my bank and found that is amount was already paid to the original creditor before it was reported to my credit. This tactic is unfair- I could have provided proof that this debt was paid rather than having my credit ruined because of {$140.00} dollars.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, NCC Business Services Inc. placed a collection with the major credit reporting agencies for XXXX on my credit report. I have reached out to them with certified letters and they still have not given proof of the debt and then when I sent a second letter to get more detail they stopped responding to me altogether and continued to report the negative remark on the 3 major credit bureaus. In their first response, they showed me a copy of a lease I signed back inXX/XX/XXXX & XX/XX/XXXX but nothing showing that I owed anything. I paid rent and moved out on the last day of my lease back in XX/XX/XXXX. I reached out to the major credit bureaus, XXXX, XXXX, & XXXX via certified letters and they refuse to remove it as well or give an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
I have attached a letter with the details of this incident. Resurgence Legal Group is trying to collect a small debt that was paid ( principle ) from 11-12 years ago. They said they bought the old account. They have refused to give me any documentation regarding this " account they bought from another entity ''. Please read the letter that is attached. I have also attached 6 pages scanned that I got from XXXX regarding the freeze of my assets. 
Thank you for your attention to this matter as I have zero access to my money in my account with XXXX. 
Thank you, sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have placed a credit freeze with Equifax in XX/XX/XXXX when I set up an account with them. It was successful, however now in XX/XX/XXXX when I'm trying to temporarily lift the credit freeze they wouldn't able to process it saying they need more information from me and the only way to dispute that is to fax or mail in my VERY sensitive information including a copy of my social security card. They still weren't able to figure out what's wrong with my account and refuse to let me manage my security freeze -- -that they let me place 3 months ago with no problems. I have no issue lifting the freeze with any other credit agencies but I'm helpless right now because I am unable to manage my own credit report status and unable to do anything that involves a credit check. 

I've wasted numerous hours talking to them and all they said was they don't know what the problem is and will only commit to sending me a mail to explain the problem -- -I am moving soon and probably wouldn't even get that mail. I'm back to calling and calling and they don't seem to want to help solve the issue at all. This has been ruining my life and has been giving me anxiety over the fear of losing my identity. I don't understand why Equifax is the only credit agency giving me problems and refusing to provide adequate care. Their whole free security freeze service is a joke and the company disrespects my time and effort. It is horrifying in XXXX a company like this does not offer a secure online portal to submit sensitive information and I'm truly hurt and disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX  credit card did not post my payment to my account in XX/XX/2018. I am unable to access my account online due to their system issues and they will not send me a paper copy of statements nor the letters related to the dispute, acknowledgement of proof of payment, findings of the dispute, the payment posting nor the amended reporting to the credit agencies due to XXXX not posting my payment. I was verbally told in XXXX that the dispute was resolved in my favor and I continuously call requesting and demanding MAILED copies of every letter related to this transaction and I have yet to receive one piece of mail OR a mailed statement which I have asked to receive the mailed letters numerous times. 

I just want these letters.This is a traumatic frustrating experience that has caused me so much stress. I do not understand why I can not receive the information that is mine and to obtain information to ensure my credit is appropriately restored and reported I have informed d, I very with the post office and not one piece of correspondence has been received at the post office

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 2019-03-05 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My home mortgage with Nationstar Mortgage is not being reported. 

The co-borrower, XXXX XXXX, filed bankruptcy and received a discharge. I did not. I have been paying my mortgage on time monthly and would like for this to be reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: TX

Complaint narrative:
These accounts that I am requesting assistance on are being reported inaccurately on my credit reports with all three credit bureaus ( XXXX, XXXX and Trans Union ). I have spoken to them numerous times and submitted hand written letters for these matters to be resolved and they are affecting my credit tremendously. I have locked my credit files and requested a security freeze on my credit reports until further notice. 

In XXXX of XXXX, I noticed that the accounts I am writing to you about have inaccurate late payments on them and I have never been late on any of my accounts. There is even a personal statement that is inaccurate and now I am writing to the Consumer Financial Protection Bureau to help me in correcting this information as soon as possible. 

XXXX is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX  XXXX XXXX  XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. These accounts have had perfect payments every month every year for the history of them. 

Trans Union is reporting that : XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. 

XXXX  is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX  XXXX XXXX XXXX XXXX has 6 late payments which are inaccurate as well.

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 2019-03-05 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: TX

Complaint narrative:
These accounts that I am requesting assistance on are being reported inaccurately on my credit reports with all three credit bureaus ( Experian, XXXX and XXXX XXXX ). I have spoken to them numerous times and submitted hand written letters for these matters to be resolved and they are affecting my credit tremendously. I have locked my credit files and requested a security freeze on my credit reports until further notice. 

InXX/XX/XXXX, I noticed that the accounts I am writing to you about have inaccurate late payments on them and I have never been late on any of my accounts. There is even a personal statement that is inaccurate and now I am writing to the Consumer Financial Protection Bureau to help me in correcting this information as soon as possible. 

XX/XX/XXXX is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. These accounts have had perfect payments every month every year for the history of them. 

XXXX XXXX is reporting that : XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. 

Experian is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX XXXX XXXX XXXX has 6 late payments which are inaccurate as well.

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 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I opened a credit card with Well 's Fargo Visa card in XX/XX/2019 and never used it. On or about XXXX I noticed a transaction for {$2700.00} from my mobile app for a balance transfer. I immediately contacted Well 's Fargo and they put me in contact with the Fraud department and the Fraud department said that they would take care of the matter. 

On XX/XX/2019 I received a letter from Well 's Fargo Claim Assistance Center Credit Card Fraud Claim stating that I was responsible for an unauthorized transaction for {$2700.00} for a balance transfer.

I never did a balance transfer with Well 's Fargo, as this is fraud. I have contacted Well 's Fargo and I keep getting the same response that someone will take care of the issue and never do.

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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX, TransUnion has illegally charged my debit card {$19.00} per month for a service that I never signed up for. In XX/XX/XXXX, the IRS sent me a letter stating that my identity had been stolen. I went onto XXXX XXXX and followed a link to XXXX and TransUnion, just trying to make sure my credit wasn't wrecked. I did not, anywhere, consent to pay TransUnion {$19.00} per month for a credit reporting service that is free through XXXX XXXX and my bank. 

I just called TransUnion and they said all they could do was give me one month 's refund. That is absolutely unacceptable and I am prepared to get my attorney involved. I require a refund for every single month that TransUnion charged me, illegally, for a service I never requested.

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 monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Seterus, Inc. has been our loan service for years. We have not missed a payment which I can document with cancelled checks, bank statements and the Seterus website to show we have made the payments every month since XX/XX/XXXX. XXXX claims we went delinquent for the months of XXXX. and  XX/XX/XXXX even though I have the bank statements showing the payments. Seterus then claims we did not make payments for XXXX, XXXX, XX/XX/XXXX, yet we have the bank statements to disprove that. They have threatened us with foreclosure. They have falsely reported us as late with the credit bureaus severely damaging our credit scores. 
I have written them about this issue and they refuse to cooperate claiming their records are correct. All of my records disprove their false assertions, yet they continue to report us as late. I have sent them a letter documenting every payment in question. We have been notified they transferred our account to Nationstar Mortgage, dba Mr. Cooper. We have not resolved our issue with Seterus, therefore, it appears it will carry over to Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: FL

Complaint narrative:
I checked my credit reports  and noticed many different variations of my name and address. I have tried to reach out to XXXX, Equifax and XXXX by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street Address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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:
On XX/XX/19 I filed a CFPB complaint # XXXX, In pure regards to the validity of a unverified debt XXXX XXXX XXXX stated that I owe. 

On my credit monitoring service today on XX/XX/19 I received a notification that there was a decrease in a collection account that I supposedly paid XXXX XXXX XXXX at lease {$1.00}. I have never contacted this collection agency directly outside of this platform " CFPB '' to address my concerns. 

This company has reported to XXXX  according to my monitoring service that I personally made a payment towards this account which never happened. 

Therefore, I'm asking for XXXX XXXX XXXX to provide proof of payment and method of payment made by me as reported to 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 2019-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My home mortgage with XXXX XXXX  is not being reported. 

The co-borrower, XXXX XXXX, filed bankruptcy and received a discharge. I did not. I have been paying my mortgage on time monthly and would like for this to be reflected.

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 2019-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: CT

Complaint narrative:
I purchased a used car through XXXX XXXX in XXXX of XXXX. They have an on-site loan company called XXXX. As is the cars are sold at triple book value. I made on-time bi-monthly payments of {$180.00} up until XXXX. If they were late it was never more than a couple days. I became XXXX and was granted full SS XXXX in XX/XX/XXXX and caught up on any late payments in full by XXXX XXXX. However I began to fall behind again as 5 of us live off my SS. I knew that I was now in the window of repossession but had not received a formal letter as of yet only some contacts by XXXX XXXX manager ( only employee ) stating I need to call her to prevent any escalation. On XXXX, XXXX XXXX I received my SS as direct deposit. The following evening my husband went to the bank and called me in a panic that there was only {$44.00} remaining in the account and XXXX had put through 7 consecutive payments of {$180.00} totaling {$1200.00}. I contacted the bank immediately to contest the charges and notified their fraud department because I never gave authorization for ANY deductions. I called my local PD who said they could only take a report. I called the main office, after hours number and texted messages to XXXX to please call me immediately to discuss. It's been 5 days and still no communication from XXXX. They were suppose to delete my debit info. after every payment due to an unauthorized charge about a year ago. Their suggestion was to remove my payment info ( debit card number etc. ) every time I made a payment to prevent it from happening again. They shouldn't of even had my card info. let alone charge my checking account 7 times. This has put me into severe financial hardship and I am now at risk of eviction, power shut off, no car gas, no food, etc. My SS XXXX is our families only income and they took it and I can't even reach them to discuss why! I left a message that said " you repo the car, you don't drain my checking account without permission! '' and still no response. I have called every given number and texted as well, and still nothing!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation