vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-08 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: NM

Complaint narrative:
My car company incorrectly reported a late payment for XX/XX/XXXX, then corrected it. After paying off the loan, as agreed, there was a computer generated error which caused this inaccuracy to be reported. They also reported that the account was closed versus " Paid as Agreed. '' All credit reporting agencies have corrected these inaccuracies, except Experian. I submitted a Dispute and received a letter that the information was correct. However, it is not correct. I do not believe they investigated this fully. If they had ( like all other reporting agencies ) it would have been corrected. This has had a significant impact on my credit score and needs to be rectified immediately. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date Opened XX/XX/XXXX StatusPaid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$14000.00} Highest Balance {$0.00} Terms 106 Months XXXX XX/XX/XXXX XXXX XXXX Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/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 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I XXXX XXXX XXXX XXXX XXXX filed a dispute on my credit report and it is taking more then 30-days to complete this dispute. I was sure after Experian notified the companies of the accounts I was disputing, must respond within 30-days or the items will be removed from my credit report. I filed this dispute on XX/XX/2018. I several accounts still pending investigation.?? that is not right. 


XXXX XXXX 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 explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc.
State: NM

Complaint narrative:
Account name XXXX XXXX XXXX XXXX XXXX OF THE XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2013 This is a medical bill that I was unaware of and went to collection. I have written the company, but received no response. Every month they add amounts to this debt. I have contested this, but have gotten no resolution. This is not an interest bearing account and insurance should had paid this. Regardless, I will pay the original {$330.00} once I have the companies agreement that this is the amount and the account will be taken off my credit report. I have never received anything from the company or the original company that insurance did not pay this. I only learned after it was reported through pulling my credit report and the amount increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: Diversified Consultants, Inc.
State: AL

Complaint narrative:
DIVERSIFIED CONSULTANT is illegally adding on collection fees that I did not agree to pay. They are claiming that I owe {$390.00} for a past due cable bill. This is inaccurate. I have no knowledge of this account. they need to provide proof of the original contract as well as proof that I agreed to pay collection fees. Also provide state ID/license that was used to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 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: U.S. BANCORP
State: NE

Complaint narrative:
I opened a new CC with USbank in order to do a balance transfer to pay off a higher rate loan. I conference called USbank and XXXX XXXX in on a call together so USbank could get all the info they needed to send out a check to XX/XX/XXXX. A week later come to find out after having them on the phone together USbank still managed to get the company name wrong on the check. So, USbank put a stop pay on that check and issued a new one to XXXX. At that point XX/XX/XXXX charged me a {$10.00} fee for a NSF check. I called USB asking them to refund me the {$10.00} since it wasnt my fault nor was it XX/XX/XXXXXX/XX/XXXX fault this all happened. USbank refused, which is predatory, it was all USbanks fault not mine. At this point I want my fee back and I want back all the higher interest Ive had to pay daily now because of how much longer this has all taken. I repeat, all at the fault of USbank. A {$10.00} fee reimbursement plus roughly $ XXXX/day of interest on the existing loan that would have otherwise been paid off already had USbank not screwed up. I also want my balance transfer fee waived, due to the the amount of my time I have burnt up. Their customer service is deplorable, I dont know how this company is allowed to operate treating people this way over such a minimal amount, especially since ( once again ) it was all their error! Please help me and please look into this banks practices, this should not have ever gotten to this point. They record all their calls, ask them for the voice recordings you can hear exactly how this all happened for yourself. 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 non-monetary relief
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ridge & Valley Realty, Inc.
State: NM

Complaint narrative:
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$380.00} as of XX/XX/2018 This bill should have been paid by insurance and I have never received any correspondence from company. I have written them to try to resolve, but they have not responded. I will pay the entire amount if company agrees to remove all negative information from all credit reporting agencies permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed. 
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact! 
Besides, how do I owe a company that I have NOT agreed to do business with? 
I have not signed anything with either of the companies listed above!

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 2018-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I applied for an installment loan of {$2600.00} in XX/XX/XXXX to assist with moving expenses. I had used this company several years ago and while going through a divorce and ch XXXX BK. I received an approval email on XX/XX/XXXX that stated the loan would fun on XX/XX/XXXX. As I read the email, I noticed the checking account and debit card information listed for me was incorrect. The email showed an account with XXXX XXXX bank that I closed in XXXX. I immediately logged into my Cashnet account to update my banking information but their site does not allow customers to update their banking information online, you have to contact customer service. I followed the instructions and emailed a voided check to customer service. On XX/XX/XXXX I received an email confirmation that my loan funded into the XXXX XXXX account. I called customer service and the associate told me it usually takes 2-3 business days for the funds to bounce back and then they would update my banking information and resend. I continued to call and email customer service and they continued to say the funds were not returned by XXXX XXXX. I contacted XXXX XXXX Fraud and Collections, They confirmed that I have not been a customer in over 5 years and that my BK filing is on record and that it prohibits them from holding any funds for a past due debt if one existed. I received nitification that my XXXX payment was returned unpaid and that they would start collections process if i dont pay. Again, I never received the funds!! This is significant and demonstrates how their system is not reliable and dysfunctional. I have received thank you emails confirming receipt of my monthly installment payments since XX/XX/XXXX. I HAVE NEVER MADE A PAYMENT AND THE XXXX XXXX ACCOUNT DOES NOT EXIST! So where is the payment coming from? They have no idea because its not coming from me or any account used by me. This is prime for fraud and other financial crimes. Their system is used to facilitate ACH payments from checking accounts and the information is incorrect. I will attach a very rough document showing some of the email correspondence. I copied them as is and placed them on a word doc for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one behind Convergent. As you questioned, yes Ive attempted to rectify the issue on my own by 1 ) requested validation via the credit reporting agencies directly on XX/XX/2018 ... the responses I received were verified except for XXXX who to date, has yet to respond ( I have sent them an additional follow up on XX/XX/XXXX ). I then took it upon myself to contact them ( Convergent ) directly on or about XX/XX/XXXX or XX/XX/2018 ( attached ). They responded validated because they provided me with a 5 page bill which isnt quite VALIDATINGanything. Im simply seeking assistance in getting this matter resolved.

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 2018-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
This started in XX/XX/XXXX I lost my job. I started a temporary job making {$4.00} less per hour XX/XX/XXXX to XX/XX/XXXX. We were paying the current mortgage but were unable to catch up the two months we were behind. At that time we were one to two months behind on our mortgage. I called the Freedom Mortgage company in XX/XX/XXXX/XX/XX/XXXX and explained the current situation. They told me I should do a loss mitigation packet. Then in XX/XX/XXXX I hurt my XXXX and was unable to work and we started to get further behind. 

I sent a packet myself with no assistance to them. They responded saying I needed to redo 4506-T. I complete the form with a customer service rep from Freedom Mortgage. I sent the mortgage company this for and my taxes from XXXX and XXXX, The mortgage company responded by sending me a new packet and the 4506-T form was still incorrect. 

Freedom then sent a letter stating we needed to go to a HUD housing place to assist me with the loss mitigation. In XX/XX/XXXX made appointment with XXXX XXXX XXXX. They submitted the packet and the mortgage company continually asked for information we had already sent. 

I requested a meeting with XXXX in XX/XX/XXXX. I was still getting notices from Freedom. I then received a letter hand delivered to my door trying to see if we live there but it was not stamped. XXXX suggested we do a whole new packet. I did not understand why that was needed. They had contacted Freedom but was unable to explain what was going on. 

In XX/XX/XXXX we received a foreclosure from Freedom. I contacted Neighborhoodworks asking what we should do what was happening. He did not know and was also frustrated with Freedom. We asked to be referred to another agency. 

I was referred to XXXX ( XXXX XXXX XXXX ). We sent another packet. The did respond saying 4506-T was incorrect and we need to send taxes XXXX, XXXX, XXXX. In XXXX to present Freedom has refused to accept our current mortgage payments. So as of today we are now behind six months. Additionally an individual who was from Freedom and wanted to take pictures and verify we lived at the house.

Freedom officially accepted the loss mitigation packet in XX/XX/XXXX. We were verbally informed that Freedom had made a decision and emailed it to us. The letter supposedly stated we would need to {$2300.00} per month to catch up. Our original mortgage payment {$890.00} including taxes and insurance. 

As of today XX/XX/XXXX we have yet to receive anything from Freedom nor has XXXX. We believe they are trying to take our house. It is unclear why they will not continue taking payments while we work through this.

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 2018-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
In XXXX, I took out a private student loan for {$10000.00} which is currently under the XXXX XXXX XXXX XXXX and another one for {$25000.00} which is currently under the Lender, XXXX XXXX  of PA. 

Today, my loan balance for the loan I took out in XXXX is {$11000.00} and the loan for XXXX is {$23000.00}. I have made monthly payments in the amount of {$120.00} and {$240.00} over a 12 year period. I noticed that my principle balance is not moving as I pay down my loans and there is no end in sight. Every year, it appears as if a new lender purchase my loans without keeping the proper paperwork. 

To date, I have paid a total of {$30000.00} on my private student loans and realized that I am currently being overcharged for private loans that are constantly being sold. This is a total scam, and I see no end insight. I am sick to my stomach because I have been paying on these loans without any end date for payoff. 

I would like a full investigation into all of the companies that have sold my private loans over the years and a full investigation into the amount that I've actually paid over a 10 year period. I have been taken advantage of and will be paying on these private loans for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX to inquiry about a medical account XXXX for {$160.00} showing my credit report. They stated was from a medical account that I'm own. I asked them when they sent the original letter to me and specifically what address they sent it to letting me know that I had a debt with them and what phone number they had where they tried to contact you. They gave me an address that I didn't live since XXXX. I agreed to pay the full account because I was told that if I take care of the account they will remove the collection account from my credit report. This was stated on a recorded line. I took care of the debt and paid the complete full balance believing in their word that they were going to remove that account from my credit report. This account needs to be removed ASAP since I was told that will be removed from my credit report. I agreed with them to pay the complete amount no matter that I wasn't sure if that were my debt and feel this is an unfair because they never received anything until it was too late and hit my credit report and I feel this is abusive because it is causing me a financial hardship because I'm having a lot of issues tryin g to qualify to buy a home and if I were able to qualify I'm going to end up having to pay a higher interest rate on a mortgage and that you feel like it is a UDAPP violation. I feel cheated by this company just to collect the money for that debt. I.ve contacting the collection agency and dispute this 1on the credit report but I haven't been received any response or been successful in resolve this matter. I attached the proof that I made this payment in full on XX/XX/XXXX as I agreed with that company in our phone conversation.

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 2018-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
The current financial institution is Mariner Finance, previously, XXXX XXXX. Since the beginning, I've been doing business with them for around 6 years or more and I had never pay late, never to them. But last year I had to apply for Bankruptcy chapter XXXX, XX/XX/XXXX, and by that time I decided to keep the loan and the vehicle. When I received the payoff letter with the amount of little more than {$6000.00} and the vehicle market value, salvage value, any kind of value is less than a {$1000.00} more close to {$500.00} it was not worth it to keep it. I was going to pay more than {$6000.00} for almost 4 years and the vehicle won't last that much. In XX/XX/XXXX I talk to my lawyer and it was included in the Bankruptcy surrendering the vehicle. The Chapter XXXX was discharged in XX/XX/XXXX but, even though it was included in the Chapter XXXX in XX/XX/XXXX, Mariner Finance kept charging me the monthly amount of {$190.00}. I know it because in my credit report it appeared as an active account and in XX/XX/XXXX I had a past due amount of over {$1200.00}. After talking with them a few times to send somebody to pick up the vehicle and close the account, they did nothing about it and the vehicle is still in my front yard. I'd file a dispute with XXXX Credit Report Agency and finally Mariner Finance close the account as of XX/XX/XXXX for the purpose of the credit report only. As of to-date I had enter their web site and into my account and I have a past due balance of {$1400.00} that is of payment from XX/XX/XXXX to XX/XX/XXXX, 7 months of {$190.00} = {$1300.00} plus a late fee charge of {$15.00}. Do the math. Obviously, this account was included in the Chapter XXXX, discharged in XX/XX/XXXX, so, this account should be totally close, not adding a monthly payment at all. {$0.00} debt, closed, XXXX, period. As a matter of fact, Mariner Finance still has the title of the vehicle, I don't have a problem with that. But, if they are not going to pick up the vehicle, don't you think they should return me the title? I can't do anything with the vehicle. It's just sitting there. Can you help me, please? Note : If you need the account number, please, email me and send me how to contact 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 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 4 fraudulent inquiries on my Equifax credit report that were not authorized by me and Equifax will not take them off? I have been fighting with them since XX/XX/XXXX and nothing has been done about it? At the end of XXXX, I had someone try to steal my identity and try to get credit in my name but they were unsuccessful because of a lack of information about me. I called the creditors and they couldn't pull nothing up in my name so they all sent paperwork to Equifax telling them to take it off my credit report because they have no proof of me applying for any credit.They told Equifax that the inquiries were fraudulent and should be taken of my credit report.I called Equifax and they said they didn't receive anything from the creditors ... not even one of them? I have letters from 2 of the creditors that I faxed over to Equifax and they said they can not remove them even though they told me to send them for proof? I have disputed these inquiries 3 times online and have written to the dispute and fraud departments about the issue.I need those 4 inquiries deleted from my report because its hurting my credit score and they were not mine to begin with.The following inquiries need to be removed ... 1 ) XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX 2 )  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XX/XX/XXXX -XXXX XXXX 4 ) XX/XX/XXXX -XXXX XXXX

Company response to consumer: Closed with explanation