vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 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:
I have sent multiple letters to Experian requesting proper validation of accounts listed on my credit report. Experian has blatantly ignored these requests. The accounts on my report keeps coming back as verified but I as the consumer have not provided with one shred of validation or verification documents which I specifically request in said mail correspondence. Under the FCRA I as the consumer am legally entitled to view the documents used in this investigation. My correspondence to Experian were sent via certified mail and proof of delivery is hereby attached below. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said accounts be removed from my credit reports and a updated copy of my credit reports with the items deleted be mailed to my mailing address. Thank you for your advanced cooperation.

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 2018-03-20 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: Pinnacle Credit Services, LLC
State: SC

Complaint narrative:
The debt in question is over 14 yrs. Old and belonged to my wife. She is deceased. Pennacle c/o has been placing this information between my and her credit for over 12 yrs. The amount is for {$640.00} was supposedly owed to XXXX XXXX. They falsely represented their product which is what caused the debt to be incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient quoted me a repayment rate of {$530.00} under the income-driven repayment plan. Once I applied, I got a bill for double the amount. I was forced to put the loans in forbearance again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX reported in XX/XX/2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. 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 2018-03-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX reported in XX/XX/2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. Please help. -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was on the XXXX XXXX website. After selecting a vehicle, there was a statement to pre-qualify for the loan and that it would not affect my credit score. I pressed the pre-qualify button, answered questions and received about two emails stating that I had been approved. Then, I received a call from XXXX to follow up on the questions. Since he discussed more than the questions, I asked if he did a soft or hard inquiry. He said a hard inquiry. I said that I only consented to pre-qualify, which is a soft inquiry. I told him that it was fraud and I wanted it removed from my credit report. He said that I was not approved based on something else and he would direct me to his fraud department but I declined. Next, I immediately sent a message to XXXX customer service via website. The following day, XX/XX/XXXX, they sent an email stating : that they provide a space for buyers and sellers to connect on their website and the loan pre-qualify is from XXXX, a third party auto loan company that advertises on their website. Additionally, I could contact XXXX and they apologize for the inconvenience. So, I have been monitoring this issue through XXXX  ( XXXX and XXXX ) but it never showed up. However, I recently received a letter from XXXX/Santander Consumer USA, which mentioned it reported to XXXX. Finally, this is why I am filing the complaint now and I want the hard inquiry reversed to soft inquiry. FRAUD ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to XXXX  regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXXI followed up with another dispute letter to XXXX  stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXXI received a letter back from XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. On XX/XX/XXXX I sent another dispute letter to XXXX  stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX   to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. On XX/XX/XXXX I received a letter back from XXXX   stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.

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 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CO

Complaint narrative:
On XX/XX/XXXXI sent a dispute letter to XXXX regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXX I followed up with another dispute letter to XXXX  stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXX I received a letter back from XXXX  stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. OnXX/XX/XXXX I sent another dispute letter to XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX   to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. OnXX/XX/XXXX I received a letter back from XXXX   stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.

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 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX XXXX XXXX  XXXX   XXXX These accounts are to report, why would they remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX XXXX XXXX XXXX XXXX These accounts are to report, why would they remove

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 2018-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
I was sent a notice for a Personal loan for Big Picture Loans in XX/XX/XXXX. I took the loan. The lender disclosed the interest in a fashion which stated that 14 % interest was going to be charged. In actuality its 14 % per DAY. So total of 798 % interest. This was never stated.

They never disclosed the length of the loan, which is 18 months. This brings my total paid to them for a {$1200.00} loan to over {$7000.00}. dollars.

I have tried to ask them to take bigger payments to get the loan out from under me. They took the information, then never charged my account that amount. I also tried 4 times to ask for a payoff amount, with each time the words " payoff my loan '' were spoken, they suddenly could not hear me, and would hang up. ( Last time occurring XX/XX/XXXXat XXXX XXXX   CST ). This went on for the entire morning.

I asked one representative what their Business License number was for Minnesota. They refused to talk to me.

I am beyond frustrated with this company, and need assistance to pay this loan off at a reasonable, state allowed interest rate of 33 %.

Thank you for your help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I have been disputing an account on my credit file, with XXXX XXXX for over 2 years and they refuse to prove that it is mine.

OnXX/XX/XXXX I sent a dispute letter to XXXX XXXX regarding an account on my credit report for which they claimed that I owed {$420.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX   and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period.

On XX/XX/XXXX I followed up with another dispute letter to XXXX XXXX stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting.

On XX/XX/XXXXI received a letter back from XXXX XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature.

On XX/XX/XXXX I sent another dispute letter to XXXX XXXX   stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX XXXX to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was sold to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: U.S. BANCORP
State: OK

Complaint narrative:
I purchased flowers for my wife on XX/XX/XXXX for delivery on XX/XX/XXXX via the internet for a delivery in XXXX, Ok. on XX/XX/XXXX. I charged {$79.00} to my XXXX XXXX XXXX XXXX XXXX card. These flowers were never delivered to my wife. I contacted the dispute department on XX/XX/XXXX explaining these details to them with a follow up forwarding them the purchase order I printed from the web sight indicating delivery on XX/XX/XXXX. I received a letter from an individual named XXXX XXXX Card member Service, indicating they would not reverse the charges because I didn't cancel the charges or return the merchandise. 

I followed this up with 2 phone calls to XXXX XXXX and a supervisor by the name of XXXX employee # XXXX that their was no merchandise to return because no merchandise was ever received. They refused to reverse the charges. 

My case # with XXXX XXXX is XXXX Please help. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX, Ok. XXXX Phone # 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 non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received a notice on XX/XX/XXXX stating that my account was past due for {$8.00}. this account was paid off in full in XX/XX/XXXX, and the account was closed. I called the number listed on the statement, but since I no longer had my card information, they were unable to help me and asked me to go into a branch. I went into the Downtown branch, but they were unable to help me and told me to call the number on the form I brought in. I explained that I already had, and they told me to resolve this issue in a branch.

No one at Bank of America has been able to help me, and I have no idea how there is a charge 4 months after this account was closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX failed to process my ACH payment correctly on XX/XX/18. Then, bank claimed that payment was returned by my bank, closed my account, and placed a derogatory mark on my credit report. 

I have always paid my balances on time and in full. 

Synchrony has failed to return my calls and emails.

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 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
Company calls multiple times a day even after being told not to. 
Will not answer any questions about who they are. 
Will not validate the " supposed '' debt Caller has identified themselves as either XXXX XXXX or XXXX XXXX. 

Phone number lookup identifies the company as American Collection Services. However, no one who calls will tell me the name of their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Hello, I am currently in a mortgage with Nation Star Mortgage. I have had financial troubles in the past but am able to afford my home payments. I have applied, payed all agreed payments on a trial arrangment. The modification was accepted and I sent back all of my documents. The mortgage company insisted that i made a mistake and did not sign one of the pages. They then, rejected my modification stating that i did not accept the offer, but I did, i explained. They also have made several attempts to act as if they are trying to rectify the situation but have not done so. They are now trying to foreclose on my home and I

Company response to consumer: Closed with explanation