vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I XXXX XXXX currently have student loans that is on Income Based Repayment Plan Status. I was approved on XX/XX/XXXX. Today on XX/XX/XXXX, I contacted Nelnet XXXX XXXX who service my loans to update my email on my account. The customer service worker asked very appropriate personal questions not relating to updating my email on my account, but rather relating to my race and XXXX! The employee tried to force me to tell her I had taxable income when I do not. She also wanted to ask additional information and send me a private link. I informed her I sent all required documents in XX/XX/XXXX and was approved for Income Base Repayment Plan. And there was nothing else I have to report about my private life and what does my nationality was. I reported to her what I reported was truthfully and had nothing to hide. I also stated to her why was my race important, on the IBR application never asked me what race I was, and what does the XXXX of my skin has to do with my email account. Then the employee stated to me, " oh I made mistake on your loans and they are actually due in XXXX and that I was approved for Income Based Repayment Plan in XX/XX/XXXX a month ago. Then the employee insisted to I tell her about my taxable income. Finally I requested a supervisor. He told me his name was XXXX. I didn't believe him that his name was XXXX. He told me that I was approved for Income Based Repayment Plan but he wanted to know if I had any taxable income. I informed employee Purple, I sent in all my social security XXXX paperwork Benefit Verification Letter from Social Security Administration. Then XXXX stated to me the information I tell him would be just between me and him and it was totally between me and him. I repeated what I stated to the other employee earlier that I sent all the required documents with the IBR Plan application and XXXX award Social Security Benefit Verification Letter from Social Security Administration Office. Then XXXX told me, " I know you get more money than that. I am sure you get some kind of taxable income! I told him I do not get any taxable income. I receive social security XXXX payments in which I sent with IBR Plan application in Certified mail in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I co-signed for a used car auto loan at XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX, OH. The dealer said XXXX XXXX agreed to be the lender and the payments would be {$170.00} beginning XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX to XXXX the application number is XXXX. They stated we were informed by XXXX XXXX XXXX XXXX XXXX that it was considering the credit sale or lease of a XXXX XXXX XXXX to you and asked whether we would be prepared to accept your obligation if the transaction was completed. 

They went on to say, you ( XXXX XXXX ) was the co-applicant and XXXX XXXX was the applicant. We must regretfully inform you that we were not agreeable to handling the proposed transaction Since the letter was addressed to me they were referring they based it their decision whole or in part from the credit reporting agency XXXX being Equifax. I pulled my credit report from Equifax and below is just some of the very positive credit information. 

Credit score - XXXX - Excellent lines of credit - XXXX XXXX XXXX - 3 % Credit file has enough history on your use of bank card/credit cards The balances on your account are not too high compared to loan limits You have a few or no accounts that were opened recently The date you opened your oldest account is not too recent. 

However they claimed they obtained my credit score from Equifax and used it in making their decision. How can this be possible? Could this be a possible case of discrimination again a XXXX XXXX? A female? Or are the employees just plain stupid at XXXX and dont know how to read a credit report? 

Then I went to XXXX  to obtain the information that have for me. It seems they want to charge me for seeing my information. That seems unfair and perhaps illegal. 

XXXX referenced XXXX is owned by XXXX so to drum up more business XXXX XXXX borrowers into paying for XXXX XXXXXXXX XXXX claims total account balances ( I have XXXX XXXX, limited history for my phone ( Ive had the same number for approximately 20 hrs, ), number of inquiries ( there have been only XXXX ), length of residence too short ( I have owned this home for 10 years ). I believe XXXX is scamming to get business for XXXX and plan to file a formal complaint against them as well. 

Additionally, I have been customer with XXXX for over a year buying Certificates of Deposit and having a current savings account with a current balance of {$30000.00} which is 5 times the amount of the loan amount. 

Please investigate this matter. 

Respectfully, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Late XXXX I tried to shop around and find a bank thatll do a credit card balance transfer from XXXX. I ended up speaking with someone at citizens bank XXXX XXXX XXXX, MI ). The representatives there reassured me they can do the transfer. I was approved XXXX XXXX and got an email confirmation that I was approved. I then called the credit card company like I was told to ( upon receiving my card in the mail ) to ask for a balance transfer. I read off my Michigan schools and government credit union card number and was told citizens bank isnt associated with XXXX therefore cant do the balance transfer. I then called back to the citizens bank to ask what to do. I was told They had no idea and to call the credit card number back and ask for a cash advance check. I called the credit card number again and was told they stopped doing this a few months back ( quote on quote ). I called back to the bank and they claimed they had no idea of this change and was told they will see what they can do. 2 days went by, no call from the bank. Finally I called back today, XX/XX/2020 to check on the status of this issue : they claimed they got an email with a link XX/XX/XXXX regarding this new change ( no longer offering check advances ) and that It was a link 3 pages down that apparently no one at that branch read. They admitted its their fault but that doesnt solve my issue. So now, im stuck with a XXXX credit card I cant close due to It impacting my credit. Nor do I need it. It was pure negligence and malpractice of this branch not staying up to date on changes. None of the time line matches up to what I was told from the credit card company XXXX what the branch representatives told me either regarding this change. Essentially I was told a manager / supervisor from credit union ( XXXX mile ) would call me back and no one ever did. ( I was told this XX/XX/XXXX And no manager called me, and when I reached out XX/XX/XXXX, a bank rep essentially owned up to their mistake and told me theres nothing she can do ). I need this credit card removed / closed without It impacting my credit, as this is that branches fault it was open in the beginning. I am extremely disappointed at their lack of knowledge and how they handled this situation. I made It clear multiple times Im transferring balance from XXXX, so if someone were to check recorded conversations with citizens bank and their credit card line you would hear this. I need this resolved and at the very least they should be held responsible for their mistake and negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Whom maybe concern I'm having problems With a dishonest company. Nationwide Recovery Service. I feel like I was the force to do Business with them. They never let me know about the contract law. That I was in the right not to business with this company. Now they put a debt collector on My credit report. I never sign a kind of release form with the company. I want to remove the company from all three credit bureaus of my credit reportthe reason for misleading and extortion money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I am a victim of fraud/identity theft. Sometime in XX/XX/2020 someone applied and received an individual loan IAO {$2300.00} under my name from XXXX XXXX XXXX in XXXX, Kansas. The account went to a collection agency, Ad Astra Recovery Services, on XX/XX/2020. The account showed up on my credit reports when I checked XX/XX/2020 and I realized I had a fraudulent account IAO {$2300.00} in collections. I have disputed this account with XXXX, XXXX, and XXXX  and placed a security alert on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates
State: NV

Complaint narrative:
XXXX XXXX XXXX abusive to me XXXX sending me letters they are not showing me the documents evidence of the bill that is sent to me I have copies of the bill it was automated over the computer and I did not willingly try to purchase this product so this letter that their charging me is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: CA

Complaint narrative:
Hello, this complaint is for both me and my husband. I want to file it against XXXX XXXX. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon. 

Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with XXXX and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case. 

XXXX has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with XXXX to have this fixed, sent out dispute letters to the credit bureaus, notices to XXXX XXXX, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to XXXX on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call. 

XXXX is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. XXXX is lying about me paying late all these months. I will give you the letter from my attorney so you can see that XXXX is lying.

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 2020-07-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, this complaint is for both me and my husband. I want to file it against XXXX XXXX. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon. 

Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with XXXX and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case. 

XXXX has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with XXXX to have this fixed, sent out dispute letters to the credit bureaus, notices to XXXX XXXX, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to XXXX on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call. 

XXXX is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. XXXX is lying about me paying late all these months. I will give you the letter from my attorney so you can see that XXXX is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, this complaint is for both me and my husband. I want to file it against XXXX XXXX. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon. 

Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with XXXX and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case. 

XXXX has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with XXXX to have this fixed, sent out dispute letters to the credit bureaus, notices to XXXX XXXX, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to XXXX on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call. 

XXXX is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. XXXX is lying about me paying late all these months. I will give you the letter from my attorney so you can see that XXXX is lying.

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank 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 2020-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2019 I mailed a letter to Jefferson Capital which I will attach. I basically requested verification of my debt in order to take appropriate steps to address my debt. It has been over 30 days as of today XX/XX/XXXX and I have not received a written reply from them. I am requesting CFPB step in to get the ball moving with their response as I am attempting to work on improving my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
We were contacted after an attempt to settle a debt for a lesser amount was refused. XXXX XXXX from synchrony bank called us to inform us that we had been improperly denied to settle the debt. She told us all we had to do was pay {$99.00} more dollars and the debt would be settled because we had at that poi t caught our payment back up, and played as much as we could. We paid the {$99.00} immediately, but now they are still claiming we owe the debt. We can not get XXXX XXXX to call us back or answer our calls. We have done our part and have only received generic answers from synchrony bank that solve nothing. Nobody has an explanation as to why we were called, but we supposedly still owe the debt in their system. Our payments were up to date when XXXX called us, so the {$99.00} was obviously not to get us caught up or anything. She stated that it would settle the debt in full.

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