vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
They consolidated some of my loans without my consent as well as how they went from federal to private without my knowledge. They went back and forth between subsidized and unsubsidized a couple times according to my Navient account and it seems like every time it changed there was a new listing in my credit because there are several items reported on my credit by them some of which seem like duplicates. A lot of the amounts are incorrect as well as duplicate entries on my credit report. 

I called several times and I have been sent here to there and here to there without people telling me what has been going on with my loans. XXXX got my loan from XXXX XXXX XXXX has added all types of interest to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have no knowledge of this account. I have never had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: GA

Complaint narrative:
SEVERAL DISPUTES AND NO RESOLVE

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 2018-02-09 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: FL

Complaint narrative:
My name isnt XXXX XXXX that is one error on my credit report. My name is XXXX XXXX so please remove these errors listed on my credit file. 2. All the addresses listed on my credit file is reporting incorrectly and the only address that should be reporting on my credit file is XXXX. XXXX XXXX XXXX FL XXXX. So please remove that error as well along with the inaccurate accounts and inquiries that you have been reporting on my credit file.

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 2018-02-09 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: FL

Complaint narrative:
My name isnt XXXX XXXX that is one error on my credit report. My name is XXXX XXXX so please remove these errors listed on my credit file. 2. All the addresses listed on my credit file is reporting incorrectly and the only address that should be reporting on my credit file is XXXX. XXXX XXXX XXXX FL XXXX. So please remove that error as well along with the inaccurate accounts and inquiries that you have been reporting on my credit file.

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 2018-02-09 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: LEXISNEXIS
State: AZ

Complaint narrative:
I have recently been informed that XXXX  maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. 

XXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law in XX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX, XXXX, XXXX has found information on Tax Lien through third party research. 

XXXX and XXXX have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to XXXX since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from XXXX that it was validated by LexisNexis in which I never received anything of the such. So I sent them another certified letter again this time one to XXXX and one to  LexisNexis requesting my signature to validate this information. This time XXXX sent me a Reinvestigation letter stating that LexisNexis Consumer Center is currently not reporting on the XXXX   file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
In XX/XX/XXXX, I was XXXX and put on XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XX/XX/XXXX This case has been satisfied and completed. XX/XX/XXXX is 7 years this information came back as current as of XX/XX/XXXX. This charge & offense should have come off my background, AFTER 7YRS This has caused me employment client name : XXXX XXXX  XXXX client account number : XXXX THANK YOU IN ADVANCE FOR YOUR TIME XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX in XXXX, Virginia, did not notify me that I was on my fifth loan with the 180 day time period at the time of the loan, nor did they tell me that I had the option of repaying that fifth loan in installments. When I returned the next day to reborrow, I was informed that I was in my 45 day waiting period, and could not reborrow. This has put me in jeopardy of not being able to pay certain bills that I need that loan to pay. Prior to this, I had an excellent repayment record with that company. Now, the management of the company will not respond to my calls nor messages to speak to me about the problem with their employees lack of information about the loan process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK
State: IL

Complaint narrative:
My elderly father phone number was contacted he was told i owe Discover it scared him and Im embarrassed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION PAYMENT NEVER LATE / NO KNOWLEDGE OF THE COLLECTIONS ACCOUNT.

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 2018-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ARVEST BANK GROUP, INC.
State: KS

Complaint narrative:
On XX/XX/XXXX I checked my Arvest checking account online and had two transactions pending but these did not overdraw my account. They were both automatic withdrawals and I'd received emails from both companies stating that they had successfully withdrawn from my account on XX/XX/XXXX. On XX/XX/XXXX. I shopped at XXXX and overdrew my account. HOWEVER, Arvest waited till XX/XX/XXXX. to post all 3 transactions so that I had 3 overdraft charges. This is not the first time they have done this to me and therefore they get as many overdraft charges as they can. I've tried to talk to customer service about this but they tell me it all depends on when the companies state they want their money. None of that makes any sense to me. PLEASE HELP

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 2018-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
There is a medical collection account on my credit report from XXXX XXXX with an Original Balance of {$1500.00} and Current Balance of {$820.00}. This collections account was opened on XX/XX/XXXX. The Original Creditor is XXXX XXXX XXXX and the Date of Service was XX/XX/XXXX and the original balance with XXXX XXXX XXXX was in the amount of {$1600.00}. 

I made the following payments to XXXX XXXX XXXX {$64.00} on XX/XX/XXXX and {$15.00} on XX/XX/XXXX. 

I then made arrangements with XXXX XXXX XXXX and paid a settlement amount of {$750.00} on XX/XX/XXXX. XXXX XXXX XXXX accepted my settlement payment and cashed my check on XX/XX/XXXX. This XXXX XXXX collections account should be removed from credit as I no longer have a debit with XXXX XXXX XXXX ; however XXXX XXXX is showing my settlement as a regular payment and have been reporting negatively as collections account on my credit reports ever since.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION ACCOUNT NEVER LATE / NO KNOWLEDGE OF THE COLLECTIONS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I paid a charge off I had with USAA on my credit report through their third party collection agency XXXX. The payment was made in XX/XX/2018. I was told that the information would be updated to USAA within 10 days after I paid. Also, I was told that I would have to contact USAA for any future information on the status of the charge off. When I called USAA for a status update, I was told that no one is allowed to speak with their credit reporting department. The representative told me the only action I could take was to fill out their consumer report dispute form. After filling out the form and mailing it to USAA, the next month I called back to get an update on the dispute form. I was then told again by another representative that they could not give me any information, and to again fill out the consumer report dispute form. I still have yet to hear from USAA on the status of the dispute form I sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 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: CA

Complaint narrative:
I do not have mail or debt at this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION ACCOUNT NEVER LATE / NO KNOWLEDGE OF THE COLLECTIONS ACCOUNT.

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 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is an agency Ive never heard of. They demanded me to provide them with my information in order to release who they are. I wasnt asking for account information, but a brief description of who they are and what they do. I spoke to someone and they told me well, when you are ready to provide your information, then you can call us back and then hung up on me. I called back and took a risk by verifying my birth date and I discovered XXXX   XXXX XXXX located at XXXX XXXX XXXX, AL was a 3rd party collecting for XXXX. This was for a XXXX bill in the amount of {$720.00} for a phone. The next representative was polite enough to talk to. I informed her that I wanted a statement in the mail and would be willing to take care of the balance or work out a payment plan once I received it. It appeared she took what I said personally and said that I am refusing. Her tone of voice changed. She became very cynical and was unprofessional. I am very skeptical with making payments to this company. This is a collection agency and I would like for the phone calls to be monitored to and from my cell number.This way, it will reveal how these representatives talk to people and how they represent their company. I am more than willing to take care of this, but I rather have a statement first before I give my personal banking information to them and that is something they could have verbally said to me in a professional way instead of being impolite and hanging up on me. 

I spoke with XXXX and they recommended that I speak with a manager at XXXX XXXX XXXX. I sent them an email and has yet to receive a response and I have still not received a letter regarding how much I owe. I would like something in writing. 

Once this is resolved I would like to talk to a supervisor to manage my account and work with me on some type of payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Date of Issue - XX/XX/2018 Ally Bank is using a credit reporting agency ( XXXX , XXXX ) that is providing inaccurate information about consumers credit history and causing Ally Bank to deny credit to consumers based on bad or inaccurate information. 

There are numerous reports online about XXXX, XXXX providing inaccurate information on them, and also many complaints specifically siting Ally Bank as the company that is using XXXX , XXXX for services. Many are stating that credit scores from XXXX are significantly lower than from XXXX of the big three agencies. And many complaints mention receiving denial letters specifically from Ally Bank, like myself. This is infuriating people! 

I have what is considered excellent credit and I protect it well. As a result, I have my and my wife credit on freeze with the big three credit bureaus ( XXXX, XXXX, and XXXX ). We took these steps because in today 's age, no one can keep our information safe from criminals and this step had to be taken. 

Why is a company like Ally Bank using a company like XXXX , XXXX when it appears they can NOT provide accurate information on consumers credit? Why? 

I called Ally Bank and tried to talk to someone and explain what happened and I got no where, so here I am writing this formal complaint against Ally Bank to this agency. 

To make matters worse, I am a current Ally Bank car loan customer who is two payments away from paying off a car loan with them and have always paid on time every month. So Ally is XXXX off their existing customers. Again - I HAVE OUTSTANDING CREDIT, and yet I receive a denial letter from Ally Bank making me think there is a serious problem, when really the ONLY problem is a company they are choosing to use, and Ally themselves. I will never again authorize any car dealer, or other institution to use Ally Bank again on my behalf, and I want a written apology letter from Ally Bank about this letter of denial I received. Shouldn't Ally Bank try to be a professional and reputable company and only use institutions that can provide accurate information about valuable customers and consumers? Is this too much to ask?

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 2018-02-09 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX/Nationstar since XX/XX/XXXX. The checks clearly show the payment made, cashed date by XXXX/Nationstar where they used XXXX XXXX XXXX. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX/Nationstar since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Regions Mortgage home loan balance as of XX/XX/XXXX : {$190000.00} Property valuve per XX/XX/XXXX appraisals : {$250000.00} PMI is scheduled to be removed : XX/XX/XXXX ( under assumption that no additional principle payments ) I paid additional payments in last few months and made current balance {$190000.00} less than 78 % of property value. 

I sent a secured written request to mortgage company to cancel PMI as loan balance is less than 78 % of property value. 

The mortgage company insists that PMI will be automatically terminated as per original schedule which is XX/XX/XXXX. 

Am I not eligible for automatic PMI termination now as ( I paid additional payment and ) loan balance is less than 78 % of property value?

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