vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
I was sued by investment retrievers for a debt that was not mine but was not able to afford a laywer so I lost. They have been attempting to collect the debt owed by a judgment. They have enforced it by seizing my property. The problem I have is there threats I know legally they can do this but I dont think they can tell me things like Ill have your CA state XXXX XXXX. Revoked and youll be calling me back begging to pay your debt. They are very rude on the phone and have threatened my livelihood of me and my family. They have many times said they were going to do things to me that later on I find out they cant do. I just think its a shame that they have a judgment against me and they have to resort to theses tactics. Im a XXXX veteran with an XXXX XXXX and this is too much. I know they are enforcing a debt owed legally but can they really threating me with things they cant do and threaten me and my families livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AL

Complaint narrative:
My student loan was defaulted due to a long period of unemployment, but recently I've managed to get back on my feet and begin working on getting all of my finances in order. I have 3 separate federal loans which were in a defaulted status and fortunately I was approved to consolidate those loans on XX/XX/XXXX. Two of the federal loans are being serviced by XXXX and the 3rd loan ( Perkins ) is serviced through Heartland ECSI. I was told by XXXX that the date my Consolidation was approved on XX/XX/XXXX. Those two loans were then automatically taken out of default and put into repayment on the National Student Loan Data System ( NSLD ). My 3rd loan with Heartland ECSI was also paid in full on XX/XX/XXXX, but remains on the National Student Loan Data System ( NSLD ) in a default status despite being paid in full. I have reached out to Heartland ECSI several times requesting that this information be updated, but I continue to get the runaround. It's pertinent that my information be updated immediately in the National Student Loan Data System ( NSLD ) because it could negatively impact my employment as in I could be terminated. My accounts with XXXX has been updated in National Student Loan Data System ( NSLD ) twice since XX/XX/XXXX, while Heartland ESCI has done nothing to bring my balance current. They continue to tell me that they aren't sure how soon it will be updated and they've gone as far as to tell me that it could take weeks. That simply won't do. Please assist in getting this rectified. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am having a problem with a car loan reported by XXXX XXXX. The account shows an erroneous 30-day late payment for XX/XX/XXXX. 
In XX/XX/XXXX, I disputed the 30-day late reported by XXXX XXXX to TransUnion. I reiterated the reporting was inaccurate ; my payments were never more than 30 days late, etc. The dispute results from Trans Union came back stating that the account had been updated to reflect no late payments and the 30-day late payment. 
Trans Union provided me with a copy of my corrected report showing the account was updated and now showed no late payments reported by XXXX XXXX. Since this was the only negative item reporting to my credit, I went on to try to apply for my loan once it was corrected. However, it seems that the late payments were reinserted without my knowledge, some time after it was initially corrected. My understanding is that the FCRA requires written notice of reinsertion of previously-deleted negative information within five days if a negative comment or history is reinserted after it has been removed. At no point was any such notice provided. 
I was never given any notice that the rectified erroneous late history would be re-reported, and wasnt even aware that was something that could be done at all! How can this company verify that my payments were never late, fix their reporting of it, and then turn around to report the exact same false information again? How did Trans Union allow previously-deleted information to be reinserted?

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 2018-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arbor Residential Mortgage LLC
State: NC

Complaint narrative:
I have contacted your company before about incorrect reporting and the wrong info listed on credit report. I have reached out to the XXXX company here in XXXX so many times and still no response from them and even you guys have tried and told me that you cant get in touch with them. I have asked for proof and still nothing i have asked that this be taken off my credit report for over 2 years now i need your help. please have this taken off my report it is hurting me and i have sent 3 more letters to them no response. i have reached out to all 3 credit bureaus to have removed they cant even give me the correct info. please help me as a consumer get this handled PLEASE PLEASE .... THANKS THANKS THANKS IN ADVANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Back in XX/XX/XXXX and XX/XX/XXXX I have attempted to communicate with Fifth Third Bank in regards to an inquiry made towards my XXXX credit report that was not authorized by me. I have advised Fifth Third several of times to send documentation that I authorized with my signature. This is a violation per FCRA regulations and if Fifth Third refuses to cooperate in this matter, I will have no other option but to file civil suit against this institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I was sued by investment retrievers for a debt that was not mine but was not able to afford a laywer so I lost. They have been attempting to collect the debt owed by a judgment. They have enforced it by seizing my property. The problem I have is there threats I know legally they can do this but I dont think they can tell me things like Ill have your CA state XXXX   lic. Revoked and youll be calling me back begging to pay your debt. They are very rude on the phone and have threatened my livelihood of me and my family. They have many times said they were going to do things to me that later on I find out they cant do. I just think its a shame that they have a judgment against me and they have to resort to theses tactics. Im a XXXX veteran with an XXXX XXXX and this is too much. I know they are enforcing a debt owed legally but can they really threating me with things they cant do and threaten me and my families livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC.
State: AL

Complaint narrative:
KONDAUR CAPITAL CORP, is attempting to foreclosure on my property with a fraudulent robo signed document. I have requested that XXXX XXXX XXXX XXXX, XXXX, as Trustee of XXXX XXXX XXXX XXXX no longer sign as Attorney in fact for us. It is unconstitutional for my rights to be waived, for I am entitled due process of law. They are going to foreclosure on my home on the courthouse steps without responding to the QWR, debt validation letter, or the proof of claim in which was submitted. I am disputing this debt because we do not owe this amount, nor do we have any contract to with neither Kondaur Capital or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello : I want to submit a complain against Transunion, because they don`t care about those 3 inquiries that they put on my account without my concent. They got off their sistems and put this information in my credit report. The Seccion 610 of fair credit reporting act states that anything deleted from your credit report and is reincerted need to get a 5 day notification after this item is reinserted. Also I had contact the companies, sent them a c. Letter and never get answered.I call the boreou and they told me that they will not do nothing without the letters, they don`t care at all. I don1t gave any account with them and I don`t have any debit with them. 


XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Please, I need your help to get it out of my transunion report, because it is a fraudulent act against me.

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 2018-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I bought my wife a pearl necklace for {$320.00}. The first time wearing it, the necklace fell apart. The warranty per the jewelry saleswoman was 180 days. It was reported with 90 days regardless. XXXX XXXX credit card has refused to investigate my dispute on more than one occasion despite saying they will investigate and to deduct the amount. But they neither investigate, nor deduct the amount. I really don't know what's going on here. I spend thousands a year at XXXX XXXX, am a Platinum member and cardholder since XX/XX/XXXX. Please investigate.

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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I was going over my ChexSystems report and I notice information that is old and old dated, and not listed properly. I had a bankruptcy that should had discharged the account that are still showing. XXXX should not have a balance showing since it was discharged in my bankruptcy.

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 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX was the original creditor imposed data charging for internet without notification then tried to collect. account as been sold several times to different collection companies after being disputed and removed from credit. now credit management company is claiming I owe them money and as ruined my credit with there false collection account. Ive never been in any business with said company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I received a correspondence from SLS dated XX/XX/XXXX that our account was in potential or existing default and a case manager had been assigned. I immediately contact SLS who stated the letter was sent in error. Another customer with a similar address should have received the letter. I asked for something in writing stating the correspondence was sent in error and told the rep could not do that but the account was noted. A week or so later, we received an additional letter, also dated XX/XX/XXXX, again stating that we requested mortgage assistance and our house was being sold via short sale. I immediately contacted SLS and again told this was sent in error. Our account was noted on XX/XX/XXXX that the letters were inaccurate but not from my original call a week or two prior. Again I requested something in writing stating this letter was inaccurate, especially because this was the second correspondence stating we wherein default and our home was being sold. I was told they would not and could not provide me with anything of the sort which at this point is unacceptable. 

We have never been late on one mortgage payment and feel are being targeted and penalized by what we can only assume is a predatory loan servicer/lender to try and take our home.

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 2018-05-03 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: CA

Complaint narrative:
XX/XX/XXXX Received a letter from XXXX XXXX XXXX XXXX ( XXXX ) saying I had an overdue account. I paid the account unknowing it was fraud and I had been given the incorrect information from XXXX. 
XX/XX/XXXX Called XXXX and filed fraud report. 
XX/XX/XXXX Received letter from XXXX " ... we removed the dispute ... credit agencies were informed. Allow 60 days to revise their records. On XX/XX/XXXX I received a refund for the payment I made on XX/XX/XXXX. I waited 3 months and checked my credit - the negative accounts remained on all 3 credit agencies. 
XX/XX/XXXX Sent letters to all credit agencies. Credit bureaus put fraud alerts on the account but did not remove the negative information. 
XX/XX/XXXX Sent 2nd letter to all 3 credit agencies. 
XX/XX/XXXX Letter from XXXX " The disputed account XXXX/XXXX is currently not reporting on the XXXX credit file . This item has been deleted from the credit file. '' XX/XX/XXXX Received letter from Experian - " The information disputed has been verified as accurate. '' I spoke with Experian on XX/XX/XXXX and they stated the letter they received from XXXX stated the charges were legitimate, not fraud. This is not what the letter said that I received and sent to all 3 credit companies. 
XX/XX/XXXX Called XXXX/XXXX XXXX, spoke with XXXX associate # XXXX who informed me I had to request to have information deleted. He was going to send another letter to Experian and me a copy. I never received anything. I know this may seem trivial but I am proud that I have never had anything negative on my credit reports. I don't understand why Experian can't remove the disputed negative account as XXXX did. 
XX/XX/XXXX Received letter from XXXX dated XX/XX/XXXX - didn't change anything - " verified as accurate ''

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 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: VA

Complaint narrative:
I am working on fixing my credit and a collection item from XXXX XXXX XXXX was on there that I could not recall what this was. I filed a dispute with them and per their investigation it was a bill from XX/XX/XXXX.  I received a letter back on XX/XX/XXXX that said I had until XX/XX/XXXX to contact the number regarding it or collections would continue. So I called because at this point I am trying to get my credit clear for certain reasons and I was going to settle with them, however they said they didn't have it and sent me to ERC collections. I called both of them on XX/XX/XXXX, I believe or maybe it was on XX/XX/XXXX, the deadline. When I got to ERC, they stated they didn't have the debt and XXXX XXXX XXXX took it back on XX/XX/XXXX. Now here I am trying to get this cleared and nobody can help me. The " alleged '' debt is from XX/XX/XXXX, which we are in XX/XX/XXXX, which seems like that is also past its time. I want to get this cleared and removed off my credit yet I am stuck. I did exactly as requested to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax says that none of my information matches their information I want them to send me proof of what information they have that does not match. I have never given out false information. I believe they are doing the same thing they always do and that is pull the information by the address and not by the name and address. They have done this in the past and my mom would get the entire family living here credit info on her report. 

I complained about that because they used to give out the full credit card number and at the same time tell you to never give your card number to someone you do not want to have it. They WOKE UP and then continued to pull the info the wrong way but now only the last numbers are showing. 

They need to give me what info they have before I supply any info

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
On why credit bureau from XXXX XXXX i notice a collection for {$260.00} and as I review for whom I notice it was from a collection agency called Hunter Warfield Inc which I was not sent a notice of dispute although the company that owns the debt had my forwarding address which was in XXXX Fl and this collection agency took it upon themselves to place on my credit without sending me any notice nor any calls clear violation of the fair debt collection practice act which is meant to protect the consumer, all consumer not some.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Credit Card with Capital One. There were fraudulent charges on the account. They removed the charges after hours on the phone. Then a few months later they put the charges back onto the account without notifying my and then started calling me arguing with me on the phone saying that the charges were mine. I asked them to please notify me in writing what charges they were questioning. I never received anything in writing and they refused to resolve the matter. I then transferred any charges that I knew were mine to another credit card and in XX/XX/2018 asked them to close the account and let them know that I would not be responsible for the charges. I just received a statement out of nowhere today XX/XX/XXXX stating I have a much higher balance. I also was notified by the credit bureaus. I submitted these letters to the credit bureaus and they keep telling me that the account is correct!! I called Capital One telling them the WHOLE story again and that this was a final courtesy call regarding the matter. They did state that they received my XXXX letter asking them to close the account and didn't know why it was still open and said they would close the account but all of sudden we were disconnected ... which happened many times before. This time I actually asked if the person I was speaking to was actually was in the United States and they said no. I am hoping to have someone please investigate Capital One and my account and listen to the phone messages of the harassment from their fraud department. I hope this matter can be resolved. Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
Good Afternoon Maam or Sir, I am writing in reference to an auto loan with XXXX XXXX XXXX 

I purchased a vehicle in XXXX and XXXX XXXXXXXX XXXX provided ( and continues to ) finance the auto loan. 

I purchased a XXXX XXXX XXXX XXXX with XXXX miles ( VIN XXXX ). I was told the APR for the auto loan was 12 %, however, after paying a total of {$17000.00} ( As of today ) I realized that the actual APR is 24.15 %. I remember being rushed to sign the contract. 

I provided a {$4000.00} down payment and financed {$17000.00} for 72 months at a 24.15 %. After requesting a copy of the contract, the finance charge is {$16000.00}. As such, the cost of the XXXX XXXX XXXX XXXX with XXXX miles would be {$37000.00}. 

I have paid over {$13000.00} and the current balance is still over {$14000.00}. 

I purchased the vehicle from XXXX XXXX XXXX XXXX, NY XXXX, and I am a resident of CT XXXX.

Company response to consumer: Closed with explanation